Whether you’re after a low rate card, a rewards card or a card with no annual fee, BankSA has options for almost every type of cardholder.
BankSA Credit Card Offer
The BankSA Vertigo Visa is a no frills low rate credit card which offers 0% p.a. on balance transfers and annual fee waiver in the first year.
- $0 p.a. annual fee for the first year ($55 p.a. thereafter)
- 13.24% p.a. on purchases
- 0% p.a. for 14 months on balance transfers
- Cash Advance Rate of 21.49% p.a.
- Up to 55 days interest free
Comparison of BankSA Credit Cards
Types of credit cards from BankSA
BankSA, as mentioned, provides different types of credit cards to suit the needs of different cardholders. If you’re looking for a new card, here’s what you can expect from this bank:
Low rate credit cards
A typical low rate card is one that charges a low ongoing interest rate on purchases, and BankSA Vertigo Visa and BankSA Vertigo Platinum cards fall within this bracket. Both of these cards charge $0 annual fees in the first year and feature promotional balance transfer rates. The platinum card also comes with extras like complimentary insurance covers and concierge service access.
Rewards credit cards
A rewards card is one that rewards cardholders in accordance to how much money they spend on purchases. BankSA gives you the option to choose between three such cards - the Amplify card, the Amplify Platinum card, and the Amplify Signature card. You can choose to link your card with the Amplify Rewards Program or the Qantas Frequent Flyer program, and then earn reward points as you spend. These cards often come with a balance transfer offer, and you can look forward to added benefits with Platinum and Signature cards.
No annual fee credit cards
If you’re after a card that doesn’t charge any ongoing annual fees, the BankSA No Annual Fee Visa card could be for you. This card does not offer interest-free days on purchases, but it comes with promotional balance transfer rate.
What are the benefits of banking with BankSA?
No matter which credit card you choose, there are certain benefits you can look forward to banking with BankSA, and here’s what you can expect:
Visa perks
BankSA credit cards come with Visa affiliations, so you can use your card just about anywhere you find the Visa logo in the world. Visa’s payWave technology gives you the ability to use your card to make contactless payments for purchases and Verified by Visa provides additional safety in the online world. Visa’s Zero Liability policy also ensures you don’t have to pay for fraudulent transactions made using your card.
Westpac Group ATM alliance
As a BankSA cardholder, you can use any of over 3,000 Westpac Group ATMs in Australia for free, which include BankSA, Westpac, St.George, and Bank of Melbourne ATMs. Internationally, the Westpac Group ATM alliance comprises of around 50,000 ATMs, with institutions like Bank of America, Barclays, and Deutsche Bank.
Manage your account online
In keeping up with technological advances, BankSA gives its credit cardholders the ability to access account information through its online, mobile and tablet banking platforms. You can use these platforms to transfer funds, pay bills, and schedule payments as well.
How to apply for a BankSA credit card
You can apply by visiting any BankSA branch, over the phone, and online. To apply online, simply complete an online application form, but make sure you meet the eligibility requirements, as mentioned below.
Eligibility criteria
- You’re an Australian citizen or a permanent Australian resident.
- You’re at least 18 years old.
- You don’t have poor credit history.
Required documents
- Identification documents to prove your identity (Australian driver’s license, Medicare card, passport, Australian birth certificate or NSW Photo Card)
- Your employer’s name and contact details
- Details about your income, assets, expenses, and liabilities
BankSA gives its customers various credit card options from which to choose, so finding a card to suit your needs should not be difficult. Bear in mind, though, that you can find similar features in cards offered by other credit cards issuers, so comparing a few before applying will ensure you find the right option for you.
Frequently asked questions
Check the frequently asked questions for answers to common questions about using BankSA credit cards. If you can’t find the answer you’re looking for, don’t hesitate to contact us using the ‘Ask a Question’ form at the bottom of the page.
What happens after I apply for a BankSA credit card?
How do I make use of the introductory balance transfer rate?
Does BankSA provide additional cards?
Yes, it does. You can request an additional card for anyone who is at least 16 years of age.
I am only on a senior pension with commonwealth and I think I have 11,000 annual income and a proof of age as id will I be approve
Hi Natividad,
Thank you for your comment.
Please have a look for the minimum income requirement at the bottom of each card’s review page. This will let you know whether you’re eligible to apply for the card. It doesn’t matter whether you’re employed, on a pension or receiving your income from assets like property, if you meet the income requirement (in addition to the other minimum eligibility requirements) then you can apply for a card. For your other question, if you are applying online, there’s an option that you can select if you’re applying without a Driver’s licence.
I hope this helps.
Thanks,
Sally
I M a current visa cardholder, can I utilise “transfer to the 0% pa for 16 months” idea of course is to pay debt without interest, thanks
Hi Fran,
Thanks for your question.
If you meet the eligibility criteria for the BankSA card then you can apply for a balance transfer from up to three [non- St.George, BankSA and Bank of Melbourne], Australian issued credit, charge or store cards at the time of application.
I hope this has helped.
Thanks,
Elizabeth
I’m a caterer and receive a pension with very little outgoing to pay I want a credit card that can suit me
Hi John.
Please have a look for the minimum income requirement at the bottom of each card’s review page. You’ll find information on how much you have to have coming in to apply for the card. Generally, it shouldn’t matter whether you’re employed full time, on a pension or receiving your income from assets like property, if you meet the income requirement (in addition to the other minimum eligibility requirements) then you can apply for a card.
For more information on choosing a credit card, please have a look at our guide on the topic on this page.
Thanks for your question.
Can I open a visa card with a limit of $300 (to safeguard a 90 year old)?
Len.
Hi Len. Please check the card’s review page for information on minimum eligibility requirements. This will let you know whether you’re eligible to apply for the card. The minimum credit limit for most cards is $500. Thanks for your question. Jacob.
Hi, my name is Moses, I am a customer with BankSA. I am on a student visa, and was wondering what my chances of getting a loan with you are, and how much? Also, I would like to know what the requirements would be, if i should qualify.
regards
Moses.
Hi Moses. Thanks for writing into us with your question. If you’re on a visa, you may need to speak to the lender directly. The products listed on our site are for permanent Australian residents, and although people on long stay and business visa can also apply for some of the products listed on our site, it’s something that will need to be done in person. You can find more information about credit cards for temporary residents on this page. I hope this helps. Jacob.
My pensioner income is $18,000pa plus casual extra approximately $3000pa.I would like to apply for a C/Card balance transfer of $4900. Westpac card to your SA Vertigo. Would this business be conducted through St George Bank branches? Awaiting your response,Regards,
Hello Brian,
thanks for the question.
Application and balance transfers to the BankSA Vertigo can be carried out over the phone, internet or at a branch. If you wish to apply at a branch in a state where there are no BankSA branches, then this would need to be carried out at a St George branch, and in this case would mean you’d receive a St George Vertigo credit card.
I hope this helps,
Marc.