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 no balance transfer fee). This offer is available when you apply by 30 November 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.
BankSA Vertigo Credit Card
- Balance transfer rate for 28 months with no balance transfer fee
- 0.99% p.a.
- Purchase rate
- 13.99% p.a.
- Annual fee
- $55 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Offers 0.99% interest on balance transfers for the first 28 months, with a $55 annual fee.
Pros
-
0.99% p.a. for 28 months on balance transfers
-
Shopping cashbacks through ShopBack
-
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
-
Balance transfer rate reverts to high 21.99% p.a. cash advance rate at the end of the promotional period
Details
Product details
Product Name | BankSA Vertigo |
Balance transfer rate p.a. | 0.99% for 28 months, then 21.99% |
Balance transfer limit | 80% of available limit |
Purchase rate p.a. | Purchase rate p.a. 13.99% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 21.99% |
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 | Annual fee $55 |
Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
Late payment fee | $15 |
Foreign currency conversion fee | 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 |
Your reviews
Amy Finder
Editor
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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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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
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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Jo
July 01, 2017
Upon transfer of cc balance, will Bank of SA close my other cc account from another provider? Thanks.
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
Tom
June 03, 2017
Is this offer only available to SA and NT residents or is it available to all Australian residents?
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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Gwenda
November 21, 2016
Can I transfer a balance from Virgin money and St.George to Bank of South Aust.
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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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