Vertigo Platinum card image
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BankSA Vertigo Platinum

Advertiser disclosure
Purchase rate
12.99% p.a.
Balance transfer rate
6.99% p.a. for 12 months and then 21.49% p.a.
Annual fees
$99
Interest free days on purchases
55

Mozo editorial review BankSA Vertigo Platinum

Last updated: 5 November 2020.

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What's hot
  • 12.99% purchase rate
  • Personal concierge service
  • 2020 Mozo Experts Choice Award winner
What's not
  • $15 late payment fee
Mozo snapshot

The BankSA Vertigo Platinum credit card is a multiple 2020 Mozo Experts Choice Award winner for best Low Rate Platinum Credit Card. It offers a low 12.99% purchase rate, premium benefits such as a personal concierge service, and a $300 cashback for new cardholders so long as they meet a few conditions.

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Key features

At 12.99% p.a., the Vertigo Platinum Credit Card credit card offers the lowest variable purchase rate available for BankSA customers. You’ll also be able to avoid interest on purchases entirely by capitalising on the 55 day interest free period, just make sure your balance is paid in full by the end of each month.

New cardholders will also have the chance to receive $300 cashback when $900 is spent on eligible purchases within 90 days of approval (terms and conditions apply, offer ends 30 March 2021).

The Vertigo Platinum card comes with a couple of enticing benefits. Not only will you get purchase insurance and personal concierge services, but you’ll also have complimentary travel insurance. On that note, if you’re using this card abroad be aware that you’ll be paying a 3.00% foreign exchange margin.

The cash advance rate is fairly high at 21.49% p.a. and you’ll also be charged a 2% or $2.50 fee to turn your credit into cash. You’ll also have to stump up $99 every 12 months in the form of an annual fee and you’re also liable for a $15 late payment fee if you fall behind on your repayments. The good news on the fee front is that you’ll have access to three cards without activating any additional cardholder fees.

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Who is it good for

If you’re after the perks of a platinum card without the high fees and interest associated with other cards, you will relish having access to Visa’s Platinum Concierge service. Think of this as a 24/7 personal assistant that can organise concert tickets, book holidays and plan special occasions.

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Any catches

Just keep in mind that you’ll have to pay the $99 annual fee upfront and it might be worth automating your credit card payments to make sure you’re avoiding the $15 late payment fee.

Details

Rates and fees information correct as at 25 February 2021 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 12.99% p.a.

  • none

  • 6.99% p.a. for 12 months and then 21.49% p.a.

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $99.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $2.00

  • $10.50

  • $0.00

Features
  • $10.00

  • 2.0

  • 3

  • none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection

Other benefits

Receive $300 cashback when you spend $900 on eligible purchases within 90 days. For new applications made by 30 March 2021.

Customer Reviews

How are BankSA credit cards rated by the Mozo community?

Overall
6.9/10
Price
6.3/10
Features
5.5/10
Customer service
6.9/10
Convenience
7.6/10
Trust
7.3/10

Latest reviews of BankSA Vertigo Platinum

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About BankSA

BankSA is the largest financial institution in South Australia, and boasts the largest network of branches and ATMs in the state. BankSA aims to help South Australians get the best from their money, and offers a wide range of bank accounts, home loans, personal loans, credit cards and other financial services.

See BankSA credit cards

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No Annual Fee

20.74% p.a.

0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)

$0

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BankSA

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

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BankSA

Amplify Platinum

0% p.a. for 7 months then 19.74% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$99 $0 in the first year

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BankSA

Amplify Signature

19.74% p.a.

0% p.a. for 6 months and then 21.49% p.a.

$279 $139 in the first year

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Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

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Bankwest

Zero Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

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Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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NAB

Qantas Rewards Signature Card

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

Qantas Frequent Flyer

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Bankwest

Breeze Mastercard

10.99% p.a.

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

$49 $0 in the first year

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St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

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CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

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Citi

Simplicity Credit Card

0% p.a. for 6 months then 21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$0

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St.George

Amplify Signature

Amplify Rewards

$279 $139 in the first year

200,000

1.5 points uncapped

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American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points uncapped

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NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

130,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

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Amplify Signature

Amplify Rewards

$279 $139 in the first year

200,000

1.5 points uncapped

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Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
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Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

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Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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Bendigo Bank

Low Rate Credit Card

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

11.99% p.a.

$45

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Bankwest

Breeze Mastercard

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

10.99% p.a.

$49 $0 in the first year

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Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 26 months and then 20.99% p.a.

20.74% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

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St.George

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

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Westpac

Low Rate

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

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St.George

Amplify Platinum

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 19.74% p.a.

$99 $0 in the first year

Amplify Rewards

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Citi

Rewards Credit Card

0% p.a. for 30 months and then 22.24% p.a.

21.49% p.a.

$149 $49 in the first year

Citi Rewards Program

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CUA

Low Rate Credit Card

0% p.a. for 20 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

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Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

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Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

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St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

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NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

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CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

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ANZ

Low Rate

12.49% p.a.

0% p.a. for 20 months and then 20.24% p.a.

$58 $0 in the first year

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Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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Bank of Melbourne

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

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Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

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Bankwest

Breeze Mastercard

10.99% p.a.

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

$49 $0 in the first year

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CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

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Citi

Simplicity Credit Card

0% p.a. for 6 months then 21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$0

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Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

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ANZ

Low Rate

12.49% p.a.

0% p.a. for 20 months and then 20.24% p.a.

$58 $0 in the first year

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NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

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St.George

Vertigo Platinum

0% p.a. for 15 months then 12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99 $49 in the first year