BankSA Credit Cards

Compare BankSA Credit Cards

Updated regularly

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
BankSA Amplify Rewards Signature Amplify Rewards	Purchase rate p.a. 20.99%	Bonus points 200,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $199 first year ($295 after)	Earn up to 200,000 bonus Amplify Points (100,000 points in year 1 when you spend $12,000 within 12 months and additional 100,000 points when you meet the same spend requirement in year 2). Plus, a reduced first-year annual fee.	ContinueMore info Compare product selection Compare	loading
BankSA Vertigo Finder Award	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 6.99% for 36 months with 0% balance transfer fee, then 21.99%	Annual fee $55	Offers 6.99% p.a. for the first 36 months on balance transfers, with no balance transfer fee.	ContinueMore info Compare product selection Compare	loading
BankSA Amplify Rewards Platinum Amplify Rewards	Purchase rate p.a. 20.99%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $99 first year ($175 after)	Get up to 100,000 bonus Amplify Points (75,000 points in year 1 when you spend $3,000 on eligible purchases in the first 90 days and additional 25,000 points after the first eligible spend in year 2). Plus, a first-year annual fee discount.	ContinueMore info Compare product selection Compare	loading
BankSA No Annual Fee	Purchase rate p.a. 20.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0	Save with an ongoing $0 annual fee for life. Plus, a low minimum credit limit.	ContinueMore info Compare product selection Compare	loading
BankSA Amplify Business Credit Card Amplify Rewards	Purchase rate p.a. 19.49%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($89 after)	Save with a $0 annual fee in the first year and earn uncapped rewards points on business purchases.	ContinueMore info Compare product selection Compare	loading
BankSA Amplify Qantas Platinum Qantas Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 100,000	Points per $ spent 0.35	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $250	Receive up to 100,000 bonus Qantas Points (70,000 points in year 1 when you spend $4,000 on eligible purchases in the first 90 days and additional 30,000 points when you meet the same spend requirement in year 2).	ContinueMore info Compare product selection Compare	loading
BankSA Visa Business Credit Card Finder Award	Purchase rate p.a. 9.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $55	Manage your cashflow with up to 55 days interest-free on purchases, a low 9.99% p.a. purchase rate and enjoy simpler reporting and Visa benefits.	ContinueMore info Compare product selection Compare	loading
BankSA Amplify Qantas Signature Qantas Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 150,000	Points per $ spent 0.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $370	Get up to 150,000 bonus Qantas Points (90,000 points in year 1 when you spend $6,000 on eligible purchases in the first 120 days and additional 60,000 points when you meet the same spend requirement in year 2).	ContinueMore info Compare product selection Compare	loading
BankSA Vertigo - Cashback Offer	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 6.99% for 12 months with 0% balance transfer fee, then 21.99%	Annual fee $55	Receive up to $500 cashback when you use your card at any eligible supermarkets and petrol outlets within 180 days from approval. Plus, a competitive purchase interest rate.	ContinueMore info Compare product selection Compare	loading

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How we picked these

Congratulations, BankSA!

BankSA was a big winner in the 2025 Finder Awards.

• Winner, Best Balance Transfer Credit Card: Vertigo
• Highly commended, Best Rewards Credit Card: Amplify Signature
• Highly commended, Best Business Frequent Flyer Credit Card: Amplify Business Credit Card
• Winner, Best Low Interest Business Credit Card: Visa Business Credit Card

Full list of 2025 credit card winners

Benefits of getting a credit card with BankSA

Each BankSA credit card offers its own features, but here's a look at some key ones available on most of these cards:

Mobile wallets

You can add a BankSA credit card to Apple Pay, Google Pay or Samsung Pay, then pay straight from your mobile phone or device.

My Offers Hub

A personal BankSA card gives you access to discounts and offers with brands such as rebel, Priceline and THE ICONIC through the My Offers Hub. To see the latest deals, you just have to log in to your mobile or internet bank account and go to the "My offers and benefits" section. You can also opt-in to get emailed offers by updating your marketing preferences via internet banking.

Instalment plans

BankSA offers 0% interest instalment plans that you can set up to pay off new purchases or part of your balance over 3, 6 or 12 months. Known as Plan&Pay, you can set up an instalment plan for any credit card purchase over $200 that you've made in the previous 30 days or to pay off an eligible card's balance. You can also cancel a plan at any time. While there's no interest for these instalment plans, you'll pay an upfront fee of 1% for a 3-month plan, 2% for 6-month plans and 4% for 12-month plans.

Complimentary insurance

BankSA's platinum and business credit cards come with different types of complimentary insurance covers. Depending on the card you choose, this can include complimentary travel insurance, purchase insurances and business inconvenience cover.

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. Just keep in mind that using a BankSA credit card to withdraw cash will attract a cash advance fee and interest charges.

Account management

You can view and manage your account information through BankSA's online and mobile banking platforms. Features include checking your balance, making payments, activating new credit cards and putting a temporary lock on your card for security.

How to apply for a BankSA credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Frequently asked questions

• Can I get a BankSA credit card if I live in another state?

  Yes, while BankSA is based in South Australia, these credit cards are available to anyone that lives in Australia and meets the eligibility criteria. If you're not near a BankSA branch, you can apply online and manage your account through phone, Internet and mobile banking.

• Do I need to change banks if I get a BankSA credit card?

  No, you can stay with your current bank for all your other accounts. You'll just have a separate account for your BankSA credit card.

• Does BankSA provide additional cards?

  Yes, you can request an additional card for anyone who is at least 16 years of age.

• How can I make repayments towards my BankSA credit card account?

  You can make credit card payments via online and mobile banking, BPAY, BankSA branches and mail.

• Can I request for an increase in my card’s credit limit?

  Yes, you can. To qualify for an increase in credit limit, you would have to meet the bank’s lending criteria.

• What is the history of BankSA?

  BankSA began operations in 1848, in the form of the Savings Bank of South Australia. It became a part of the Westpac Group in 2008. BankSA now ranks as the largest financial institution in South Australia, and is the region’s primary issuer of personal finance, housing, and rural banking services.

  BankSA’s range of financial products and services include transaction accounts, savings accounts, term deposits, personal loans, home loans, insurance and investment solutions, and a variety of credit cards. The credit cards on offer come with certain distinct features, giving you the ability to select one that best suits your needs.

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 505 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability