BankSA credit cards

BankSA offers great access to branches located throughout SA, but their competitive credit card offers are available no matter where you live in Australia.

By   |   Verified by David Boyd   |   Updated 11th February 2022

Comparing BankSA credit cards

BankSA Vertigo Credit Card

On BankSA's website

Offer extendedApply by 30 June 2022

BankSA Vertigo Credit Card

Balance transfer

32 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Enjoy 0% for 32 months on Balance Transfers with a 0% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • 13.99% p.a. low variable interest rate on purchases.
  • $0 first-year annual card fee ($55 p.a. thereafter).

Pros

  • 0% p.a. for 32 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • $0 first-year annual card fee ($55 p.a. thereafter).

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 32 months.
  • There are no rewards program for this card.
BankSA Amplify Platinum Credit Card (Qantas)

Apply by 30 June 2022

BankSA Amplify Platinum Credit Card (Qantas)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Earn up to 60,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 24 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!


From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Bonus Qantas Points not included in the cap.

Pros

  • The 60,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Complimentary travel and purchase insurances.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
BankSA Amplify Platinum Credit Card (Amplify)

Apply by 30 June 2022

BankSA Amplify Platinum Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$49.00 for 1st year

Highlights

  • Earn up to 130,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% for 24 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $49 p.a. annual fee for the first year ($99 p.a. annual fee thereafter)

Pros

  • The 130,000 bonus Amplify Points.
  • 0% for 24 months on balance transfers.
  • Additional savings with the $49 first year annual fee ($99 p.a. thereafter).

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.
BankSA Amplify Signature Credit Card (Amplify)

Apply by 30 June 2022

BankSA Amplify Signature Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$279.00 p.a. ongoing

Highlights

  • Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12,000 on eligible purchases each year. Plus, receive a birthday points bonus of 10% of the points earned in the last 12 months.
  • 0% p.a. for 24 months on balance transfers with 1% balance transfer fee on amounts transferred.
  • Includes complimentary overseas travel insurance for up to 6 months.

Pros

  • The 200,000 bonus Amplify Rewards Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The ongoing annual fee is high at $279 p.a.
BankSA Amplify Signature Credit Card (Qantas)

Apply by 30 June 2022

BankSA Amplify Signature Credit Card (Qantas)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$279.00 p.a. ongoing

Highlights

  • Earn up to 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 24 months on balance transfers with 1% balance transfer fee on amounts transferred.
  • Includes complimentary overseas travel insurance for up to 6 months


From 1 January 2022, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.

Pros

  • The 90,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The ongoing annual fee is high at $279 p.a.

More about BankSA credit cards

Insights into BankSA credit card fees, interest rates, balance transfer offers, and rewards.

  • FAQs

Can I get a BankSA card if I live in a different state?

Yes. However, you will not have the same access to local branches outside SA. Online, mobile and telephone banking is available to manage your account if you are not located close to a branch.

Can I manage my card online?

Yes. Customers have access to online banking available 24/7 so you can check recent transactions, your balance, repayments, etc.

Can I manage my card over the phone?

Yes. You can manage your credit card over the phone. Everyday banking such as balance checks, transfers and bill payments can be carried out over the phone and via BankSA’s iPhone and Android apps.

Can I transfer balances from an existing BankSA credit card to another one?

No, you can only transfer the balance of non-BankSA debts. You can move money between different BankSA credit cards and accounts, but normal fees and conditions are applied.

Do I need to change banks if I apply for a card from BankSA?

No. Your credit card account with BankSA would be separate to who you bank with. There is no need to switch just because you have a card from a different bank.

I’m an existing BankSA credit card user. Can I transfer balances to my card?

You can request a balance transfer from a non-BankSA credit card or another store to your existing BankSA credit card. If your credit card account has been open for some time, you may not be able to get a promotional interest rate on the balance transferred. Check with them first if in doubt.

What rewards programs are available?

The BankSA Amplify card provides access to either Amplify Rewards or Qantas Amplify Rewards programs. Points are earned every time you make purchases with your card, which can then be redeemed for a large selection of rewards. The Amplify Qantas Rewards program offers a range of flights, travel and entertainment services and merchandise. With the Amplify Rewards program, you can exchange points for retail goods, food and wine, home and garden items, gift vouchers and travel services.

What types of cards do BankSA offer?

The BankSA credit card offers presented on our comparison table feature a different mixture of rates, fees, balance transfers and rewards, each designed to suit a different person and their particular financial needs and circumstances. Whether you are looking for a card with low rates, no annual fees or an attractive rewards program, there is probably a BankSA card to suit you.

Credit card brands

Credit card types