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 10th May 2021

Comparing BankSA credit cards

BankSA Vertigo Credit Card

On BankSA's website

Apply by 28 September 2021

BankSA Vertigo Credit Card

Balance transfer

28 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$55.00 p.a. ongoing

Highlights

  • Enjoy 0% for 28 months on balance transfers with 0% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • Additional cardholder at no extra cost.
  • Up to 55 days interest free on purchases.

Pros

  • 0% p.a. for 28 months on balance transfers with no balance transfer fee
  • The competitive purchase interest rate of 13.99% p.a.
  • Additional cardholder at no extra cost

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 28 months.
  • There are no rewards program for this card.
BankSA No Annual Fee Credit Card

On BankSA's website

Apply by 28 September 2021

BankSA No Annual Fee Credit Card

Balance transfer

N/A

Purchase rate

12 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Enjoy 0% interest on Purchases for 12 months. Reverts to 20.74% p.a. thereafter.
  • $0 annual fee for as long as you have the card.
  • Enjoy up to 55 days interest-free period.

Pros

  • 0% interest on Purchases for 12 months.
  • $0 annual fee.
  • 55 days interest-free period.

Cons

  • No rewards program for this card.
BankSA Amplify Platinum Credit Card (Qantas)

On BankSA's website

Apply by 28 September 2021

BankSA Amplify Platinum Credit Card (Qantas)

Balance transfer

15 months at 0% p.a.

Purchase rate

19.74% 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 15 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!

Pros

  • The 60,000 bonus Qantas Points.
  • 0% p.a. for 15 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)

On BankSA's website

Apply by 28 September 2021

BankSA Amplify Platinum Credit Card (Amplify)

Balance transfer

15 months at 0% p.a.

Purchase rate

19.74% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Earn up to 80,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% for 15 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • Comes with complimentary travel insurances.

Pros

  • The 80,000 bonus Amplify Points.
  • 0% for 15 months on balance transfers.
  • Comes with complimentary travel insurances.

Cons

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

On BankSA's website

Apply by 28 September 2021

BankSA Amplify Signature Credit Card (Amplify)

Balance transfer

15 months at 0% p.a.

Purchase rate

19.74% 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 15 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 15 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 Vertigo Platinum Credit Card (Cashback Offer)

On BankSA's website

Apply by 30 June 2021

BankSA Vertigo Platinum Credit Card (Cashback Offer)

Balance transfer

12 months at 6.99% p.a.

Purchase rate

12.99% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Receive $300 cashback when you spend $900 on eligible purchases within 90 days of new card approval. Terms and conditions apply.
  • Transfer your balances at 6.99% for 12 months with 0% balance transfer fee.
  • Feel secured with the complimentary insurances.

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.

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