Compare BankSA Credit Cards

Compare BankSA credit cards, available across Australia, offering competitive deals with extensive branch access in SA.

By   |   Updated 3 Apr 2024

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Comparing BankSA credit cards

BankSA Vertigo Credit Card

On website

Apply by 31 July 2024

BankSA Vertigo Credit Card

Highlights

  • Receive up to $400 cashback on your supermarket purchase or benefit from 0% interest for 28 months on Balance Transfers with a 1% balance transfer fee. Reverts to a cash advance rate of 21.49% 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% p.a. for 28 months on balance transfers with a 1% 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 21.49% p.a. after 28 months.
  • There are no rewards program for this card.
BankSA Amplify Platinum Credit Card (Qantas)

On website

Apply by 31 July 2024

BankSA Amplify Platinum Credit Card (Qantas)

Highlights

  • Receive up to 70,000 bonus Amplify Points. Acquire 60,000 Qantas Points in the first year upon spending $3k+ on eligible purchases within the initial 90 days from new card approval, and an additional 10,000 points after your first eligible purchase in the second year.
  • Enjoy 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee, reverting to the cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped) and receive a complimentary Qantas membership fee, saving you $99.50!

Pros

  • The 70,000 bonus Qantas Points.
  • Discounted annual fee on the first year.
  • 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 website

Apply by 31 July 2024

BankSA Amplify Platinum Credit Card (Amplify)

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 a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $49 p.a. annual fee for the first year ($124 p.a. annual fee thereafter)

Pros

  • The 100,000 bonus Amplify Points.
  • 0% for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

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

On website

Apply by 31 July 2024

BankSA Amplify Signature Credit Card (Amplify)

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.
  • 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on amounts transferred.
  • $199 p.a. annual fee for the first year ($295 p.a. annual fee thereafter)

Pros

  • The 150,000 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 annual fee reverts to $295 p.a. after the initial year.
BankSA Amplify Signature Credit Card (Qantas)

On website

Apply by 31 July 2024

BankSA Amplify Signature Credit Card (Qantas)

Highlights

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

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 annual fee of $295 p.a.

BankSA is South Australia's top bank in terms of its extensive branch and ATM network. Operating under theWestpac Banking credit card umbrella, BankSA extends its credit card services to all applicants, who can manage their accounts via internet and mobile banking. The BankSA credit card portfolio encompasses rewards, frequent flyer cards, and options for low interest rates, no annual fees, and balance transfers.

Types of BankSA credit cards

BankSA provides a selection of credit cards tailored to different preferences and requirements. Here are some of the popular types of BankSA credit cards:

  • Amplify Platinum: The Amplify Platinum credit card from BankSA has various benefits, including reward points, complimentary insurance, and exclusive perks. This card is ideal for individuals who enjoy earning rewards on their everyday spending.
  • Vertigo: If you're looking for a credit card with a low ongoing interest rate, the BankSA Vertigo card could be a suitable option. This card is designed for those who prefer a simple and straightforward credit card without sacrificing key features.
  • Amplify Signature: The Amplify Signature credit card offers an enhanced rewards program, travel insurance, and other premium benefits. This card is perfect for frequent travellers and individuals prioritising luxury rewards and privileges.

Benefits of BankSA credit cards

When considering a BankSA credit card, it's essential to understand the features and benefits of each card. Some common features across BankSA credit cards include:

  • Reward points: Earn points on eligible purchases that can be redeemed for various rewards such as flights with frequent flyer programs, accommodation, merchandise, and more.
  • Complimentary insurance: Many BankSA credit cards offer complimentary travel insurance, purchase protection, and extended warranty insurance to provide cardholders with added protection.
  • Contactless payments: BankSA credit cards are equipped with contactless payment technology, making transactions quick and convenient.
  • Interest free period: Enjoy an interest-free period on purchases, giving you the flexibility to manage your cash flow effectively.

How to apply for a BankSA credit card

Applying for a BankSA credit card is a straightforward process. Here is a step-by-step guide to help you navigate the application process:

  1. Research: Compare the different BankSA credit cards available to determine which card aligns with your financial needs and spending habits.
  2. Online application: Visit the BankSA website to apply for your chosen credit card online. Provide the necessary personal and financial information as requested.
  3. Verification: BankSA may need to verify the information in your application, which could involve identification checks and income verification.
  4. Approval: Once your application is processed and approved, you will receive your new credit card.
  5. Activation: Upon receiving your credit card, activate it as instructed to use it for your purchases.

Managing your BankSA credit card

Effectively managing your BankSA credit card is crucial to maintaining a healthy financial profile and maximising the benefits of your card. Here are some tips for managing your BankSA credit card:

  • Payment: Always pay your credit card bill on time to avoid late fees and interest charges.
  • Budgeting: Set a budget for your credit card spending to ensure you can Userepay the balance in full each month.
  • Monitoring: Regularly review your credit card statements to track expenses and identify unauthorised transactions.
  • Rewards: Use any reward programs BankSA offers to maximise your credit card spending.

Help choosing a BankSA credit card

Chart your course to the perfect BankSA credit card with tailored expert advice.

  • FAQs

  • Pros & cons

How do I earn reward points with BankSA credit cards?

BankSA credit cards typically offer reward points on eligible purchases. The number of points you earn may vary based on the type of card you have and the specific terms and conditions.

What are the annual fees associated with BankSA credit cards?

The annual fees for BankSA credit cards vary depending on the type of card you choose. Some cards may have no annual fee for the first year, while others may have ongoing annual fees.

Can I transfer a balance from another credit card to a BankSA credit card?

Yes, BankSA credit cards often allow balance transfers from other credit cards. However, it's essential to check the terms and conditions, including any applicable fees and promotional interest rates.

Do BankSA credit cards offer any promotional offers for new cardholders?

BankSA occasionally runs promotional offers for new cardholders, such as bonus reward points, no annual fee for the first year, or introductory interest-free periods. Check the latest offers on the BankSA website for more information.

Pros

Convenient branch network

BankSA has a widespread network of branches across South Australia, making it convenient for customers to access in-person banking services.

Variety of banking products

BankSA offers a diverse range of banking products and services including savings accounts, loans, credit cards, and insurance options, catering to different financial needs.

Mobile banking app

The BankSA mobile banking app provides users with a convenient way to manage their accounts, transfer money, pay bills, and access other banking services on the go.

Community involvement

BankSA is actively involved in supporting local communities through various initiatives, including sponsorships, grants, and volunteering programs.

Competitive interest rates

BankSA offers competitive interest rates on savings accounts and other financial products, providing customers with the opportunity to earn higher returns on their deposits.

Cons

Limited international presence

BankSA's presence is primarily limited to South Australia, which may be a disadvantage for customers who frequently travel or require international banking services.

Fees and charges

Some customers may find BankSA's fees for certain services, such as overdrafts or international transactions, to be higher compared to other financial institutions.

Customer service issues

There have been occasional reports of customer service issues, including long wait times on phone lines or delays in resolving customer queries or complaints.

Technological limitations

While BankSA offers a mobile banking app, some customers have reported technological limitations and usability issues compared to other banks' apps, leading to frustrations with the overall digital banking experience.

Limited ATM network

BankSA's ATM network may be limited compared to larger banks, which could inconvenience customers who rely heavily on ATM withdrawals for cash access.