Bank SA Credit Cards | Compare, Review & Apply

Bank SA 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.

0% p.a. for 18 months with 0% fee on balance transfers. Reverts to cash advance rate.
Reduced annual fee of $49 p.a. for the first year then ($99 p.a. thereafter).
Low ongoing variable purchase interest rate of 12.99% p.a.

BankSA have been operating in South Australia since opening its first branch in 1848. Its first depositor was an illiterate Afghan shepherd, who signed his account papers with an X. From such modest beginnings, BankSA has grown to be the largest financial institution in the state, today as well as its main provider of housing, personal finance and rural banking services. There are 120 BankSA branches across the state and more branches located in the Northern Territory. BankSA tries to be a good local – it is a sponsor of several state events and, through the BankSA & Staff Charitable Fund, makes donations to approximately 100 South Australian and Northern Territory-based charities each year. As part of the Westpac Group, BankSA have some compelling offers with low interest rates and competitive fees.

balance transfer
purchase rate
annual fee
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BankSA Vertigo Platinum Credit Card
Apply by 02 oct 19
0% p.a. for 18 months with 0% fee on balance transfers. Reverts to cash advance rate.
Reduced annual fee of $49 p.a. for the first year then ($99 p.a. thereafter).
Low ongoing variable purchase interest rate of 12.99% p.a.
More info
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18 months
0% p.a.
then 21.49%
with a 0% fee
12.99% p.a.
ongoing
$49
1st year
then $99
BankSA Vertigo Credit Card
Apply by 02 oct 19
6 reviews
0% p.a. for 16 months on balance transfers with no balance transfer fee. Reverts to cash advance rate.
Low ongoing variable purchase interest rate of 13.99% p.a.
$55 p.a. annual fee.
More info
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16 months
0% p.a.
then 21.49%
with a 0% fee
13.99% p.a.
ongoing
$55
ongoing
BankSA Amplify Signature Credit Card (Amplify)
Apply by 02 oct 19
Up to 200,000 points bonus Amplify points (conditions apply).
Reduced annual fee of $179 p.a. in the first year, currently saving you $100.
Enjoy 0% p.a. for 6 months with 0% fee on Balance Transfers.
More info
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6 months
0% p.a.
then 21.49%
with a 0% fee
19.74% p.a.
ongoing
$179
1st year
then $279
BankSA Amplify Platinum Credit Card (Amplify)
Apply by 02 oct 19
Earn up to 100,000 points Bonus Amplify Rewards Points (conditions apply).
No cap on the number of points you can earn.
Enjoy 0% p.a. for 6 months with 0% fee on balance transfers.
More info
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6 months
0% p.a.
then 21.49%
with a 0% fee
19.74% p.a.
ongoing
$99
ongoing
BankSA Amplify Platinum Credit Card (Qantas)
Apply by 02 oct 19
Up to 60,000 points Qantas points (conditions apply).
No cap on the number of points you can earn.
0% p.a. for 6 months with 0% fee on balance transfers.
More info
Add to comparison
6 months
0% p.a.
then 21.49%
with a 0% fee
19.74% p.a.
ongoing
$99
ongoing
BankSA Amplify Signature Credit Card (Qantas)
Apply by 02 oct 19
1 review
Up to 90,000 points Qantas Points (conditions apply).
Reduced annual fee of $179 p.a. in the first year, currently saving you $100.
Enjoy 0% p.a. for 6 months with 0% fee on balance transfers.
More info
Add to comparison
6 months
0% p.a.
then 21.49%
with a 0% fee
19.74% p.a.
ongoing
$179
1st year
then $279
BankSA Amplify Credit Card
Apply by 02 oct 19
3 reviews
0% p.a. for 14 months on purchases.
Earn 1 Amplify point per $1 spent.
Up to 55 days on purchases.
More info
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-
14 months
0% p.a.
then 19.74%
$79
ongoing
BankSA No Annual Fee Credit Card
Apply by 02 oct 19
2 reviews
No more annual fee, ever.
0% p.a. for 12 months on balance transfers with 1% balance transfer fee on amounts transferred.
Get up to 3 extra cardholders for free.
More info
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12 months
0% p.a.
then 21.49%
with a 1% fee
20.74% p.a.
ongoing
$0
ongoing

Q&As about Bank SA Credit Cards from customers

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Q: What types of cards do they 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.

Q: 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.

Q: 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.

Q: 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.

Q: Is there a fee for balance transfers?

No. Transferring a balance to BankSA is free, and you can enjoy low interest rates for the introductory balance transfer period, if one available at the time. You should be aware that the interest rate returns to a higher rate when the introductory period expires. Always read all the details of rates, balance transfer periods, and terms and conditions before applying.

Q: What other banking services do they offer?

BankSA offers a range or personal banking products for individual customers including accounts for everyday transactions and savings, home loans, credit cards, personal loans, insurance and investments. It tailors its services to specific types of customer, such as students, first-time homebuyers, savers and people wanting to consolidate their debts. In addition, it offers business banking services for all sorts of operations, from small businesses and entrepreneurs, commercial and agribusiness, to corporate and international services. BankSA Business Solutions include transaction and savings accounts, credit cards, lending and finance, payment solutions and insurance.

Q: How long have BankSA been about?

BankSA got its start in 1848 as two separate banks: the State Bank of South Australia and the Savings Bank of South Australia. The two banks would later merge as the Bank of South Australia, better known by its commercial name BankSA.

After mismanagement and bad banking in the 1980s, BankSA collapsed, was bailed out by the State Government, and merged with St.George Bank in 1992. It was decided to maintain the BankSA brand for operations in South Australia, with many of BankSA’s products and services being identical to St.George’s, including its credit cards. In 2008, both were absorbed by the Westpac Group.

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