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BankSA Vertigo

Purchase rate
0% p.a. for 7 months then 13.99% p.a.
Balance transfer rate
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
Annual fees
$55 $0 in the first year
Interest free days on purchases
55
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Mozo editorial review BankSA Vertigo

Last updated: 15 October 2020.

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What's hot
  • 0% balance transfer rate for first 22 months (1.5% fee applies)
  • Up to 55 interest free days
  • Annual fee waived in first year
  • 2020 Mozo Experts Choice Award winner
What's not
  • 21.49% cash advance rate
Mozo snapshot

If you’re looking for a card to help you get a handle on existing credit card debt, then the BankSA Vertigo may be the card for you. The card comes with a 0% balance transfer rate for 22 months (1.5% BT fee applies) and the normal $55 annual fee is even waived in the first year, making it a pretty budget-friendly piece of plastic. Plus, this card won a 2020 Mozo Experts Choice Award for best Balance Transfer Credit Card. 

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Key features

The BankSA Vertigo is a budget-friendly option for users who want the convenience of plastic without the high price tag. It comes with a relatively low annual fee of $55 (waived in the first year) and a reasonable purchase rate of 13.99%. What's more, there's even a 0% interest rate offer on purchases for 7 months available to new cardholders.

For cardholders wanting to get a handle on a lingering balance, one of the best features that the BankSA Vertigo credit card is equipped with is the 22 month, 0% balance transfer rate (offer ends 9 February 2021). So, if you’re looking to blast your credit card debt, this offer gives you some breathing room to pay it off, before you start to pay any interest on it, though there is an initial 1.5% balance transfer fee to weigh up.

Want to share the card with a significant other? No problem! You can get an additional cardholder, for no additional fee.

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Who is it good for

The BankSA Vertigo is great for someone who is looking to blast existing credit card debt with the 22 month 0% balance transfer offer, or just wants a low cost piece of plastic for everyday spending.

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Any catches

While the balance transfer rate is 0% for the first 22 months, after that it’ll shoot up to the cash advance rate of 21.49% for any lingering balance, which is a rate you want to avoid paying. So make sure you have a payment plan in place to clear your balance before the zero interest period runs out.

Details

Rates and fees information correct as at 26 October 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
  • 13.99% p.a.

  • 0% p.a. for 7 months

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

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $55.00

  • $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

  • 1

  • none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

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

  • Overall 5/10
    Easy to get but there are no bonuses.

    Great for ease of use, but nothing to gain in regards to bonuses.

    Read full review

    Great for ease of use, but nothing to gain in regards to bonuses.

    Price
    3/10
    Features
    1/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Tarryn, South Australia reviewed 11 months ago
  • Overall 6/10
    Good

    Interest free balance transfers

    Read 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 over 4 years ago
  • Overall 9/10
    Friendly customer service. Reasonable interest.

    On the whole good customer service. Banking options explained well.

    Read full review

    On the whole good customer service. Banking options explained well.

    Price
    10/10
    Features
    6/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Marina, South Australia reviewed about 5 years ago
  • Overall 4/10
    No incentive for loyalty from customers

    They have closed a few CBD branches.

    Read full review

    They have closed a few CBD branches.

    Price
    2/10
    Features
    2/10
    Customer service
    4/10
    Convenience
    2/10
    Trust
    3/10
    Less
    Tina, South Australia reviewed about 5 years ago
  • Overall 8/10
    Great card

    Great card, easy to deal with bank, always no hassle.

    Read full review

    Great card, easy to deal with bank, always no hassle.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Jacinda, 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

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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

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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

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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Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

20.74% p.a.

0% p.a. for 22 months and then 20.99% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

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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

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Qantas Money

Qantas Money

Qantas Premier Platinum

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

$299 $199 in the first year

Qantas Frequent Flyer

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ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

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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

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NAB

NAB

Low Rate Card

12.99% p.a.

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

$59

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St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

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

$55 $0 in the first year

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American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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Westpac

Westpac

Altitude Platinum

Qantas Frequent Flyer

$200 $99 in the first year

60,000

0.5 points uncapped

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Qantas Money

Qantas Money

Qantas Premier Platinum

Qantas Frequent Flyer

$299 $199 in the first year

100,000

1 point up to $10,000/month, then
0.5 points uncapped

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Bankwest

Bankwest

Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

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

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St.George

Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

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Suncorp

Suncorp

Clear Options Platinum

Suncorp Rewards

$129

100,000

1.25 points uncapped

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Citi

Citi

Rewards - e-voucher Offer

Citi Rewards Program

$199 $99 in the first year

No current offer

1 point up to $10,000/month

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Bank of Melbourne

Amplify Platinum

Amplify Rewards

$99 $0 in the first year

No current offer

1 point uncapped

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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

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Westpac

Westpac

Low Rate

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

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St.George

Vertigo

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

0% p.a. for 7 months then 13.99% p.a.

$55 $0 in the first year

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ANZ

ANZ

First

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

20.24% p.a.

$30

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Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$299 $199 in the first year

Qantas Frequent Flyer

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CUA

Platinum Credit Card

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

19.99% p.a.

$149 $0 in the first year

CUA Platinum Rewards

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Clear Credit Card

0.90% p.a. for 15 months and then 22.24% p.a.

0.90% p.a. for 15 months then 14.99% p.a.

$99

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Vertigo

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

0% p.a. for 7 months then 13.99% p.a.

$55 $0 in the first year

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Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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NAB

NAB

Low Rate Card

12.99% p.a.

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

$59

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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

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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

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St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

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

$55 $0 in the first year

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Citi

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Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

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ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

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NAB

NAB

StraightUp Card

0% p.a.

No current offer

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