BankSA Vertigo Platinum

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

n/a

BankSA Vertigo Platinum

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

n/a

Mozo Review   BankSA Vertigo Platinum Review

Last updated: 18 October 2018.

What's hot:
  • 12.74% purchase rate

  • 0% balance transfer rate for 26 months (2% BT fee)

  • Personal concierge service

  • 2018 Mozo Experts Choice Award winner

What's not:
  • $15 late payment fee

Mozo snapshot:

The BankSA Vertigo Platinum credit card is a 2018 Mozo Experts Choice award winner for best Low Rate Platinum Credit Card, and offers a low 12.74% purchase rate along with some premium benefits such as a personal concierge service. This credit card also offers a lengthy 0% balance transfer period of 26 months (2% BT fee), so you’ll have plenty of time to pay off any debt you’ve built up on other cards.

Key features:

To start with, this credit card offers the lowest variable purchase rate available for BankSA customers at 12.74% and you’ll be able to avoid interest on purchases entirely by capitalising on the 55 day interest free period, as long as your balance is paid in full by the end of each month. Aside from that, the Vertigo Platinum credit card boasts a 26 month period where you won’t pay any interest on balance transfers before reverting to the cash advance rate of 19.49%.

As mentioned, the cash advance rate is fairly high at 19.49% and you’ll also be charged a 2% or $2.50 fee to turn your credit into cash. With BankSA’s Vertigo Platinum credit card you’ll 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.

This Vertigo Platinum card comes with a couple of enticing benefits. Not only will you get purchase insurance and personal concierge services with this credit card, 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.

Who it's 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.

Any catches?

Just keep in mind that, without any introductory offer, 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 19 December 2018. 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
  • 12.74% p.a.

  • none

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

  • yes

  • 19.49% p.a.

  • 55

Fees
  • $99.00

  • $0 in the first 1 year

  • 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

Google Pay, Samsung Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection,
Guaranteed Pricing,
Rental Car Excess Cover

Customer Reviews

How are BankSA credit cards rated by the Mozo community?

Overall customer rating
6.9/10
Price
6.2/10
Features
5.4/10
Customer service
6.8/10
Convenience
7.6/10
Trust
7.2/10

Latest reviews of BankSA Vertigo Platinum

  • Overall
    9/10
    Competitive rates

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

    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

    Judith | South Australia

    reviewed over 2 years ago

  • Overall
    6/10
    Should get more for your money

    I just wish there was more understanding in personal situations .

    I just wish there was more understanding in personal situations .

    Price
    6/10
    Features
    4/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    7/10

    Fairlie | South Australia

    reviewed over 3 years ago

  • Overall
    3/10
    All the same

    They're all the same. Statements can only be looked at for about 6 months. The way they show...

    They're all the same. Statements can only be looked at for about 6 months. The way they show credit card info makes the 55 days interest free a joke as it's virtually impossible to know where you are at!

    Price
    2/10
    Features
    4/10
    Customer service
    2/10
    Convenience
    2/10
    Trust
    4/10

    Rafael | South Australia

    reviewed over 3 years ago

  • Overall
    6/10
    pretty good

    Pretty good

    Pretty good

    Price
    5/10
    Features
    5/10
    Customer service
    7/10
    Convenience
    6/10
    Trust
    8/10

    Michael | South Australia

    reviewed over 3 years ago

  • Overall
    10/10
    Great customer service

    They have been terrific in their overall help & understanding.

    They have been terrific in their overall help & understanding.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Mike | South Australia

    reviewed over 3 years ago

BankSA

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

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

19.99% p.a.

$49 $0 in the first year

Promoted

American Express

American Express

Explorer Credit Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$395

Promoted

Australian Military Bank

Australian Military Bank

Low Rate Visa Credit Card

0% p.a. for 12 months and then 11.99% p.a.

11.99% p.a.

$49

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months and then 12.94% p.a.

0% p.a. for 6 months then 12.94% p.a.

$0

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

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

17.99% p.a.

$0

Promoted

ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 21.74% p.a.

12.49% p.a.

$58

Promoted

ANZ

ANZ

Frequent Flyer Black

No current offer

19.99% p.a.

$425

Promoted

28 Degrees

28 Degrees

Platinum Mastercard

4.99% p.a. for 6 months and then 21.99% p.a.

21.99% p.a.

$0

Promoted

American Express

American Express

Explorer Credit Card

2 points per dollar on Amex, uncapped

20.74% p.a.

$395

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

1 point per dollar on Visa, uncapped

19.99% p.a.

$49 $0 in the first year

Promoted

Bankwest

Bankwest

More Platinum Mastercard

2 points per dollar on Mastercard, up to 400000 points per year

19.99% p.a.

$160

Promoted

ANZ

ANZ

Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

19.99% p.a.

$425

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

Promoted

American Express

American Express

Qantas Ultimate Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$450

Promoted

Bankwest

Bankwest

Qantas World Mastercard

0.66 points per dollar on Mastercard, uncapped

20.49% p.a.

$270

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity High Flyer Card

1 point per dollar on Visa, up to $8,000 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$289

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

$49 $0 in the first year

19.99% p.a.

Promoted

Australian Military Bank

Australian Military Bank

Low Rate Visa Credit Card

0% p.a. for 12 months and then 11.99% p.a.

$49

11.99% p.a.

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months and then 12.94% p.a.

$0

0% p.a. for 6 months then 12.94% p.a.

Promoted

28 Degrees

28 Degrees

Platinum Mastercard

4.99% p.a. for 6 months and then 21.99% p.a.

$0

21.99% p.a.

Promoted

ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 21.74% p.a.

$58

12.49% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 18 months and then 20.99% p.a.

$129 $64 in the first year

20.74% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129

0% p.a. for 14 months then 20.74% p.a.

Promoted

NAB

NAB

Low Rate Platinum Card

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

$100

0% p.a. for 9 months then 13.99% p.a.

Promoted

Australian Military Bank

Australian Military Bank

Low Rate Visa Credit Card

11.99% p.a.

$49

0% p.a. for 12 months and then 11.99% p.a.

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months then 12.94% p.a.

$0

0% p.a. for 6 months and then 12.94% p.a.

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 21.74% p.a.

Promoted

Latitude

Latitude

Low Rate Mastercard

11.99% p.a.

$69

No current offer

Promoted

Coles

Coles

Low Rate Mastercard

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

$58

0% p.a. for 6 months and then 19.99% p.a.

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 9 months then 13.99% p.a.

$100

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

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

11.99% p.a.

$89

No current offer

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

$59

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

Promoted

Australian Military Bank

Australian Military Bank

Low Rate Visa Credit Card

11.99% p.a.

0% p.a. for 12 months and then 11.99% p.a.

$49

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months then 12.94% p.a.

0% p.a. for 6 months and then 12.94% p.a.

$0

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 15 months and then 21.74% p.a.

$58

Promoted

Latitude

Latitude

Low Rate Mastercard

11.99% p.a.

No current offer

$69

Promoted

Coles

Coles

Rewards Mastercard

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a.

$99

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

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

$59

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

11.99% p.a.

No current offer

$89

Promoted

Coles

Coles

Low Rate Mastercard

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

0% p.a. for 6 months and then 19.99% p.a.

$58