BankSA credit cards

BankSA
BankSA's overall rating for credit cards

(as rated by the Mozo community)

6.9 / 10

based on 253 reviews

BankSA offer a range of different credit card packages, so no matter whether you're a rewards junkie or a sensible low rate spender, you’re sure to find a piece of plastic to suit your needs. Check out all the options on offer from BankSA below.

Rates and fees verified as correct at 17 November, 2018. Other information correct at the time of writing.

What credit cards do BankSA offer?

Low rate credit cards Low rate credit cards

On the other hand, if you tend to let your credit card balance roll over till the next month, you might be better off with a low rate card, to minimise the damage interest is doing to your savings account. Check out the low rate credit cards on offer from BankSA below.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

13.74% p.a.

0% p.a. for 16 months and then 19.49% p.a.

$55

55

Go to site

12.74% p.a.

0% p.a. for 26 months and then 19.49% p.a. (2.00% balance transfer fee)

$99 $0 in the first year

55

Go to site

Hide

Low fee credit cards Low fee credit cards

If you consistently pay your credit card bill on time you’re probably saving a bundle in interest. So don’t let that go to waste by paying high annual fees - instead, opt for a no fee credit card option from BankSA. Great for the savvy credit card user, your dollars won’t go astray with this piece of plastic.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

20.49% p.a.

0% p.a. for 12 months and then 20.49% p.a. (1.00% balance transfer fee)

$0

55

Go to site

13.74% p.a.

0% p.a. for 16 months and then 19.49% p.a.

$55

55

Go to site

Hide

Rewards credit cards Rewards credit cards

Want to be rewarded for your spending? Then add a BankSA rewards credit card to your wallet. Not only can you redeem points in return for a bunch of cool stuff, but if you opt for a premium rewards card, you can also cash in on extra features like your own personal concierge. Just remember that these cards come with higher rates and fees in return for all those perks.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 14 months and then 20.24% p.a.

$79

Go to site

0.5 points per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 14 months and then 20.24% p.a.

$79

1 point per dollar on Visa, uncapped

19.49% p.a.

No current offer

$99 $0 in the first year

Go to site

0.5 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$99

Go to site

1.5 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$279 $179 in the first year

0.75 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$279 $179 in the first year

Go to site

Hide

Prestige cards Prestige cards

Looking for a premium credit card without the premium price tag? BankSA has got you covered. Although you could opt for the pricier premium rewards cards, if you’re not concerned about earning freebies with your spending, but you do want perks like complimentary insurance, you can save a bundle by opting for the less rewards heavy platinum offering from BankSA. Check it out below.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Visa, uncapped

19.49% p.a.

No current offer

$99 $0 in the first year

Go to site

0.5 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$99

Go to site

1.5 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$279 $179 in the first year

0.75 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$279 $179 in the first year

Go to site

12.74% p.a.

0% p.a. for 26 months and then 19.49% p.a. (2.00% balance transfer fee)

$99 $0 in the first year

Go to site

Hide

Frequent flyer credit cards Frequent flyer credit cards

Just know that all your rewards points are going to wind up redeemed for flights? Then why not streamline the process and bag on of BankSA’s Qantas cards, so your points will be automatically credited to your frequent flyer account? And with a choice of classic, platinum or signature, there’s a card to fit every budget.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

0.5 points per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 14 months and then 20.24% p.a.

$79

0.5 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$99

Go to site

0.75 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$279 $179 in the first year

Go to site

Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about BankSA credit cards

How many interest free days will I get with a BankSA credit card?

Knowing how to use your interest free days can save you a bundle on credit card interest. With a BankSA credit card, you’ll have 55 days to pay off your balance before being charged interest. But keep in mind, these 55 days start at the beginning of your statement cycle, and not when you make a purchase. 

What fees might I be charged?

There are a few guaranteed fees you should plan for when using a BankSA credit card for your spending. These include:

The annual fee (on all cards except the no annual fee option, surprisingly enough.)

Cash advance fees

Foreign exchange fees

Can I use my BankSA credit card for a balance transfer?

Need to manage an existing credit card balance? A balance transfer deal could be just the thing you need to keep your spending on track and get rid of lingering credit card debts.

You can use any BankSA credit card for a balance transfer, although keep in mind that different cards offer different 0% interest periods. That’s important, because when this period runs out, you’ll be charged interest on any remaining balance at the much higher cash advance rate. So make sure that you know how long you have to pay off your transferred balance and have a plan in place to pay back everything you owe in the allotted time. 

Can I use paypass with my BankSA credit card?

All the BankSA credit card offerings run on the VISA network, which means for small shops under $100, you can use payWave to make contactless payments.

Can I use my BankSA credit card while I’m travelling overseas?

Another good thing about your BankSA credit card running on the VISA network is that it’s accepted wherever in the world VISA is - so pretty much anywhere. Just keep in mind the foreign transaction fees before you go shopping up a storm.

If you’re opting for a platinum or signature card, don’t forget to check out your complimentary credit card travel insurance as well!

What rewards options do I have with my BankSA rewards credit card?

You can choose between a rewards card, so you can redeem points for a bunch of cool things like retail products, gift vouchers and travel, or a Qantas card, which will convert your rewards points straight into your Qantas frequent flyers account.

Check out the table below to see how many points you’ll earn per $1 you spend on each rewards card on offer:

RewardsRewardsQantasQantas
AusOverseasAusOverseas
Classic10.5
Platinum120.51
Signature1.530.751.5

Keep in mind that platinum and signature cardholders will also be able to cash in on perks like complimentary insurance cover, concierge service and exclusive offers and events.

What kind of insurance options does my BankSA credit card offer?

Opting for a premium credit card from BankSA? You’ll have access to a range of complimentary insurance covers along with your card, including:

Overseas travel insurance (for people up to 80 years old)

Purchase security insurance

Extended warranty insurance

If you’re going for the creme de la creme, a signature card, you’ll enjoy even more cover, including extras like:

Price guarantee cover

Interstate flight inconvenience insurance

Rental vehicle excess insurance in Australia

Transit accident insurance

How are BankSA credit cards rated?

Mozo users have rated BankSA credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

BankSA credit cards

Overall 6.9

Price

Features

Customer service

Convenience

Trust

251 Reviews

Recent BankSA credit card reviews Recent BankSA credit card reviews

BankSA

BankSA Vertigo Platinum credit card review

Overall rating   9 / 10

Competitive rates

Great service, except when visiting the branch the wait is too long.

Full review

Great service, except when visiting the branch the wait is too long.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Judith, South Australia, reviewed over 2 years ago

BankSA

BankSA credit card review

Overall rating   3 / 10

Great customer service

The interest rates on credit cards are too high.

Full review

The interest rates on credit cards are too high.

    Price   0 / 10

    Features   4 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   5 / 10

Less

Megan, South Australia, reviewed almost 3 years ago

BankSA

BankSA Amplify Platinum (Amplify Rewards) credit card review

Overall rating   8 / 10

Always available to assist.

Very helpful especially when there is a breach on the card. They follow up and keep you informed as to their investigation and result. I found the staff had high people skills and made me feel comfortable talking to them.

Full review

Very helpful especially when there is a breach on the card. They follow up and keep you informed as to their investigation and result. I found the staff had high people skills and made me feel comfortable talking to them.

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Heather, South Australia, reviewed almost 3 years ago

BankSA

BankSA credit card review

Overall rating   6 / 10

Decent

Been with them for years so they are good although my pay always goes in later!

Full review

Been with them for years so they are good although my pay always goes in later!

    Price   5 / 10

    Features   4 / 10

    Customer service   2 / 10

    Convenience   6 / 10

    Trust   6 / 10

Less

Caitlin, South Australia, reviewed almost 3 years ago

BankSA

BankSA Vertigo credit card review

Overall rating   6 / 10

Good

Interest free balance transfers

Full review

Interest free balance transfers

    Price   6 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   5 / 10

Less

Terri, Victoria, reviewed almost 3 years ago

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What do you need to apply for a BankSA credit card? What do you need to apply for a BankSA credit card?

You can apply for a BankSA credit card either online, over the phone or in a branch, as long as you’re 18 or older and a permanent Australian resident. Here are a few things you’ll need when applying for your new piece of plastic.

  • I.D. which could include an Australian driver's licence, Medicare card, passport, birth certificate or proof of age card
  • Personal details like address, phone number etc.
  • Details of your financial situation
  • Your current employment and salary
  • Any other forms of income
  • Any debts you have
  • Any other repayments you're responsible for

Check out our guide on applying for a credit card.

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