In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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BankSA Vertigo
Terms and conditions apply
Balance transfer rate for 28 months with 1% balance transfer fee
0% p.a.
Purchase rate
13.99% p.a.
Annual fee
$55 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers 0% interest on balance transfers for the first 28 months, with a one-time 1% balance transfer fee and a $55 annual fee.

The BankSA Vertigo Credit Card gives you a mix of low-cost and everyday features, including an introductory 0% interest rate offer for balance transfers. If you want to pay off existing card debt, getting a balance transfer to this card can help you save on interest charges for 28 months, as long as you apply by 31 July 2024. But take note that a one-time 1% balance transfer fee applies and any balance transfer debt left at the end of the introductory period will attract the variable cash advance interest rate.

Pros

  • 0% p.a. for 28 months on balance transfers
  • A low ongoing annual fee
  • Competitive purchase interest rate of 13.99% p.a.
  • Additional cardholder at no extra cost

Cons

  • Classic 'no-frills' credit card with no perks or rewards
  • Charges a one-time 1% balance transfer fee
  • Balance transfer rate reverts to high 21.49% p.a. cash advance rate at the end of the promotional period

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The BankSA Vertigo is a low rate credit card that currently has a long balance transfer offer that gives you a way to pay down existing credit card debt interest-free for 28 months (with 1% balance transfer fee). This offer is available when you apply by 31 July 2024 and include details of your balance transfer as part of the application. On top of that, the card also charges a $55 annual fee and a variable 13.99% p.a. interest rate for new purchases.

Details

Product details

Product Name BankSA Vertigo
Balance transfer rate p.a. 0% for 28 months with 1% balance transfer fee, then 21.49%
Balance transfer limit 80% of available limit
Purchase rate p.a. 13.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.49%
Min credit limit $500
Max credit limit $80,000
Card type Visa

Eligibility

Available to temporary residents Yes - Conditions apply
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $55
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the BankSA Vertigo Credit Card online in around 10 minutes. To get started, read through the following eligibility requirements and make sure you have all the details and documents you need to complete the application.

Eligibility criteria

  • New cardholder. The balance transfer offer is only available when you apply for the BankSA Vertigo credit card as a new cardholder before 31 July 2024.
  • Balance transfer debt. If you want to take advantage of a balance transfer promotion, BankSA allows you to transfer from $200 up to 80% of your approved credit limit from up to 3 non-BankSA, Bank of Melbourne or St.George Australian-issued credit, charge or store cards.

Card benefits

  • 0% p.a. for 28 months on balance transfers. Apply for the BankSA Vertigo by 31 July 2024 and request a balance transfer at the time of your application to take advantage of this offer. At the end of the introductory period, any remaining balance transfer debt will be charged interest at the variable cash advance rate, currently 21.49% p.a.
  • Interest-free period. You will receive up to 55 days interest-free on new purchases when you pay your full monthly payment balance listed on your statement by the due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.

Rates & fees

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Amy Finder

Editor

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Avatar

Paul

August 21, 2017

Hi, Want to know if my wife and I have the balance transfer on up to 3 cards, one in my name and two in hers? eg joint application.?? No where to add second person in application?? Cheers Paul


Avatar

Maria

August 21, 2017

Hi, Paul!


Thank you for reaching out to us.


It’s possible under some circumstances and it would be best to check directly with the card issuer to know your chances of approval.


You may find useful information on our page about doing a balance transfer with joint primary cardholders.


I hope this helps.


Cheers!

Maria


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Avatar

Helen

July 24, 2017

Hi there, can a Queenslander apply for the BankSA Vertigo Visa Credit Card with 0% p.a. on balance transfers for 18 months and $0 first year annual fee 0% p.a. on balance transfers for 18 months and $0 first year annual fee?


Thanks

Helen


Avatar

Rench Finder

July 26, 2017

Hi Helen,


Thank you for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.


Yes, you are eligible for applying for BankSA Vertigo Visa based on your location. You may click on the ‘Go to Site’ button’ to submit an online application.


Cheers,

Rench


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Avatar

Jo

July 01, 2017

Upon transfer of cc balance, will Bank of SA close my other cc account from another provider? Thanks.


Avatar

Jonathan

July 01, 2017

Hi Jo!


You need to contact the other provider if you wish to close it as it does not happen automatically.


Hope this helps.


Cheers,

Jonathan


Avatar

Tom

June 03, 2017

Is this offer only available to SA and NT residents or is it available to all Australian residents?


Avatar

jonathan.chan@findercrew.com

June 03, 2017

Hi Tom!


Thanks for your inquiry.


Please be informed that this offer is not limited to NT or SA residents only. Kindly review the eligibility requirements and if you’re fine with them, you can click “Go to Site” green button to proceed with your application.


Hope this clarifies.


Cheers,

Jonathan


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Avatar

Gwenda

November 21, 2016

Can I transfer a balance from Virgin money and St.George to Bank of South Aust.


Avatar

May Finder

November 21, 2016

Hi Gwenda,


Thanks for your question.


Unfortunately, a balance transfer from a St. George credit card to any BankSA credit card is not allowed. However, you can request a BT from your Virgin Money credit card to BankSA Vertigo Visa so long that you meet the eligibility criteria and requirements of the BankSA credit card. Also when conducting a balance transfer, it’s best to remember these two conditions:


1. You can’t transfer a balance to a credit card that is also underwritten by the same institution – for your reference, please read our balance transfer criteria guide to know which banks you can balance transfer to and from.


2. The total amount you can transfer should not exceed the credit limit you’re approved for the new card. 


Hope this has helped.


Cheers,

May


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