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 12th August 2022

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Comparing BankSA credit cards

BankSA Vertigo Credit Card

Offer extendedApply by 31 December 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 31 December 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 November 2022

BankSA Amplify Platinum Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$29.00 for 1st year

Highlights

  • Earn up to 100,000 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.
  • $29 p.a. annual fee for the first year ($99 p.a. annual fee thereafter)

Pros

  • The 100,000 bonus Amplify Points.
  • 0% for 24 months on balance transfers.
  • Additional savings with the $29 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 31 December 2022

BankSA Amplify Signature Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$139.00 for 1st year

Highlights

  • Earn up to 150,000 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.
  • $139 p.a. annual fee for the first year ($279 p.a. annual fee thereafter)

Pros

  • The 150,000 bonus Amplify Rewards Points.
  • 0% p.a. for 24 months on balance transfers.
  • Additional savings with the $139 first-year annual fee.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The annual fee reverts to $279 p.a. after the initial year.
BankSA Amplify Signature Credit Card (Qantas)

Apply by 31 December 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

Are instalment plans available with a BankSA credit card?

Yes. Instalment plans are available for BankSA credit cards. However, only certain transactions will be eligible to put onto instalments.

Can BankSA credit cards be used with a digital wallet?

Yes. BankSA Visa credit cards are compatible with Apple Pay, Google Pay, and Samsung Pay.

Does BankSA have credit cards with rewards points?

Yes. A number of credit cards are available that earn points with the BankSA Amplify Rewards program.

Does BankSA offer any credit cards with cashback rewards?

No. Cashback credit cards are not currently available from BankSA

Does BankSA offer credit cards for businesses?

Yes. BankSA does offer credit cards for businesses.

Does BankSA offer credit cards with an introductory balance transfer offer?

Yes. It is possible to get a balance transfer credit card with BankSA. They typically offer zero interest on balance transfers for a long time. It’s worth comparing the broader market though before applying.

Does BankSA offer frequent flyer credit cards?

Yes. Frequent flyer credit cards are available from BankSA that can be linked directly with your frequent flyer account.

How can a credit card from BankSA be managed?

Cards can be managed with online banking, mobile app, calling the customer support team, on in a local branch.

How long does it take for BankSA to process an application?

BankSA can give you a decision within 60 seconds of applying. However, this is generally conditional and it will take several more days to process the application in full.

Is it possible to have more than one BankSA credit card?

Yes. It's possible to have multiple cards at the same time.

Is there a low interest rate credit card available from BankSA?

Yes, you can get a low rate credit card from BankSA. However, their interest rates on purchases are not usually the most competitive.

What can BankSA rewards points be used for?

Amplify Rewards points can be redeemed for gift cards, merchandise, travel, and account fees.

What documents are required when applying for a BankSA credit card?

Applicants must be able to provide an Australian driver's licence number, details of your income, existing debts, proof of income (such as payslips), and monthly living expenses.

What is the most popular BankSA credit card?

The BankSA Vertigo Credit Card is the most popular credit card from BankSA based on our analysis.

What partners can points be transferred to from BankSA?

Points can be transferred from BankSA to Singapore Airlines KrisFlyer and Velocity Frequent Flyer.

Who can apply for a credit card from BankSA?

BankSA require applicants to be at least 18 years old and earning $25,000 or more (individual cards may have different minimum criteria). Applicants must have no history of bad credit.