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 3 Sep 2024

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Comparing of 5 BankSA credit cards

BankSA Vertigo Credit Card

Apply by 30 November 2024

BankSA Vertigo Credit Card

Balance transfer

28 months at 0.99% p.a.

Purchase rate

13.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$55.00 p.a. ongoing

Highlights

  • Receive up to $500 cashback on your supermarket purchase or benefit from 0.99% interest for 28 months on Balance Transfers with no balance transfer fee. Reverts to a cash advance rate of 21.99% p.a.
  • Enjoy a low variable interest rate of 13.99% p.a. on purchases.
  • 55 days interest-free on purchases.

Pros

  • Get 10% cashback on your supermarket shop or 0.99% p.a. for 28 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Up to 55 days interest-free on purchases.

Cons

  • Balance transfer rate reverts to 21.99% p.a. after 28 months.
  • There are no rewards program for this card.
BankSA Amplify Platinum Credit Card (Qantas)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$99.00 for 1st year

Highlights

  • Up to 50,000 bonus Qantas Points earned upon spending $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • Pay an annual fee of $99 for the first year ($124 thereafter).
  • Earn 0.5 points per $1 spent (uncapped).

Pros

  • The 50,000 bonus Qantas Points.
  • Discounted annual fee on the first year.
  • Complimentary travel and purchase insurance.

Cons

  • Points earning rate of 0.5 points is lower than others.
BankSA Amplify Platinum Credit Card (Amplify)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$49.00 for 1st year

Highlights

  • Earn 100,000 bonus Amplify Points upon spending $3,000 on eligible purchases within 90 days from card approval, potentially valued at up to $450 in eGift cards. Exclusions apply.
  • Enjoy a discounted annual fee of $49 p.a. for the first year ($124 p.a. annual fee thereafter).
  • Earn 1 point for every $1 spent on eligible purchases.

Pros

  • The 100,000 bonus Amplify Points.
  • Earn uncapped Amplify Points per dollar on eligible purchases.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is promotional balance transfer offer at the moment.
BankSA Amplify Signature Credit Card (Amplify)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$199.00 for 1st year

Highlights

  • Earn up to 150,000 Bonus Amplify Rewards Points over 2 years when you spend $12,000 on eligible purchases within the first 12 months from card approval.
  • $199 p.a. annual fee for the first year ($295 p.a. annual fee thereafter).
  • Includes complimentary overseas travel insurance for up to 6 months

Pros

  • Enjoy 2 complimentary Priority Pass lounge visits each year when you enroll in Priority Pass.
  • The 150,000 bonus Amplify Rewards Points.
  • $199 p.a. annual fee for the first year ($295 p.a. annual fee thereafter).
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • After the initial year, the annual fee is $295 p.a.
  • There is no promotional balance transfer offer at the moment.
BankSA Amplify Signature Credit Card (Qantas)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$295.00 p.a. ongoing

Highlights

  • Receive up to 80,000 bonus Qantas Points upon spending $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • Earn 0.75 Qantas points per $1 spent on eligible transactions.
  • Benefit from complimentary overseas travel insurance for up to 6 months.

Pros

  • The 80,000 bonus Qantas Points.
  • Enjoy 2 Qantas lounge passes every year.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • The annual fee of $295 p.a.

More about BankSA credit cards

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

  • FAQs

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.

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 credit cards for businesses?

Yes. BankSA does offer credit cards for businesses.

Does BankSA offer any credit cards with cashback rewards?

No. Cashback credit cards are not currently available from BankSA

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.

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.

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.

What can BankSA rewards points be used for?

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

What partners can points be transferred to from BankSA?

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

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.

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.

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

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

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.

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.

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.

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.