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BankSA Vertigo Platinum

Purchase rate
0% p.a. for 15 months then 12.99% p.a.
Balance transfer rate
No current offer
Annual fees
$99
Interest free days on purchases
55

Mozo editorial review BankSA Vertigo Platinum

Last updated: 21 October 2019.

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What's hot
  • 12.99% purchase rate
  • 0% interest on purchases for 15 months
  • Personal concierge service
  • Double 2019 Mozo Experts Choice Award winner
What's not
  • $15 late payment fee
Mozo snapshot

The BankSA Vertigo Platinum credit card is a multiple 2019 Mozo Experts Choice Award winner for best Low Rate Platinum Credit Card and best Balance Transfer Platinum Credit Card. It offers a low 12.99% purchase rate - and no interest on new spends for the first 15 months - along with some premium benefits such as a personal concierge service.

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Key features

To start with, this credit card offers the lowest variable purchase rate available for BankSA customers at 12.99% and 15 months interest free to start off with. Yu’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.

As mentioned, the cash advance rate is fairly high at 21.49% 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.

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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, 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 8 August 2020 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.

  • 0% p.a. for 15 months

  • No current offer

  • 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

Customer Reviews

How are BankSA credit cards rated by the Mozo community?

Overall customer rating
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

  • Overall 9/10
    Competitive rates

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

    Read 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 4 years ago
  • Overall 6/10
    Should get more for your money

    I just wish there was more understanding in personal situations .

    Read full review

    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
    Less
    Fairlie, South Australia reviewed about 5 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 credit card info makes the 55 days interest free a joke as it's virtually impossible to know where you are at!

    Read full review

    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
    Less
    Rafael, South Australia reviewed about 5 years ago
  • Overall 6/10
    pretty good

    Pretty good

    Read full review

    Pretty good

    Price
    5/10
    Features
    5/10
    Customer service
    7/10
    Convenience
    6/10
    Trust
    8/10
    Less
    Michael, South Australia reviewed about 5 years ago
  • Overall 10/10
    Great customer service

    They have been terrific in their overall help & understanding.

    Read full review

    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
    Less
    Mike, South Australia reviewed over 5 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.

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