Thumbnail icon for BankSA

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.

binocular icon
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.

key icon
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.

snapshot
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.

snapshot
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 5 December 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.

  • 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

  • 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 over 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 over 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 over 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.

See BankSA credit cards

Westpac

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

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

CUA

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

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

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

CUA

CUA

Platinum Credit Card

19.99% p.a.

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

$149 $0 in the first year

CUA Platinum Rewards

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Virgin Money

Virgin Money

No Annual Fee Card

0% p.a. for 12 months then 18.99% p.a.

0% p.a. for 12 months and then 20.99% p.a.

$0

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

American Express

American Express

Qantas Premium Card

Qantas Frequent Flyer

$249

30,000

1 point uncapped

Suncorp

Suncorp

Clear Options Platinum

Suncorp Rewards

$129

100,000

1.25 points uncapped

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

NAB

NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Bankwest

Bankwest

Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
0.3 points uncapped

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

55,000

1.25 points uncapped

Westpac

Westpac

Altitude Black

Altitude Rewards

$250

150,000

1.25 points uncapped

Virgin Money

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

Westpac

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

CUA

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

ANZ

ANZ

Low Rate

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

12.49% p.a.

$58 $0 in the first year

NAB

NAB

Low Rate Card

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

12.99% p.a.

$59

Bankwest

Bankwest

Breeze Mastercard

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

0% p.a. for 15 months then 10.99% p.a.

$49

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

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

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

$129 $64 in the first year

Velocity Frequent Flyer

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

Defence Bank

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

CUA

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

Westpac

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

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

NAB

NAB

StraightUp Card

0% p.a.

No current offer

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

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

CUA

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

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

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

Virgin Money

Virgin Money

No Annual Fee Card

0% p.a. for 12 months then 18.99% p.a.

0% p.a. for 12 months and then 20.99% p.a.

$0

NAB

NAB

StraightUp Card

0% p.a.

No current offer

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

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49