The details shown below are for a card without rewards

The details shown below are for a card without rewards

Choose the version of this credit card that suits you best

  • Vertigo - Cashback Offer

    Rewards: n/a

  • Vertigo

    Rewards: n/a

Purchase rate
13.99% p.a.
Balance transfer rate
2.99% p.a. for 15 months and then 21.49% p.a.
Annual fees
$55 $0 in the first year
Interest free days on purchases
55
Go to site
Purchase rate
13.99% p.a.
Balance transfer rate
0% p.a. for 30 months and then 21.49% p.a.
Annual fees
$55 $0 in the first year
Interest free days on purchases
55
Go to site

Mozo editorial review BankSA Vertigo - last updated: 16 August 2021

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What's hot
  • 0% balance transfer rate for first 30 months (0% fee applies) on the Balance Transfer option
  • Up to 55 interest free days
  • Option to choose a $300 cashback program (with conditions) - available with the Vertigo Cashback option
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 30 months, plus a 0% balance transfer fee (when you choose the Vertigo 0% Balance Transfer option). Or, for those looking out for top cashback deals, there's $300 to earn in the first 4 months when you spend $4,000 (when you opt for the Vertigo Cashback option).

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Key features

Vertigo 0% Balance Transfer option:

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 (which is waived in the first year!) and a reasonable purchase rate of 13.99%. 

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 28 month, 0% balance transfer rate (offer ends 30 November 2021). So, if you’re looking to blast your credit card debt, this offer gives you some breathing room to pay it off. 

Just keep in mind that after the first 30 months, the interest rate for any transferred balance will increase to 21.49%. 

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

Vertigo Cashback option:

If you choose the cashback option instead of the Vertigo balance transfer program, you can get $300 cashback if you spend $4,000 on eligible purchases within the first four months. Just remember, this offer is only for new cardholders, and you’ll need to apply by 30 November 2021. You’ll also see the $55 annual fee waived in the first year with this option.

Another key difference between this offer and the 0% BT program is that the balance transfer rate is 2.99% for the first 15 months. Like the standard offer, it reverts to 21.49% after this time.

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Who is it good for

The BankSA Vertigo could be great for someone who is looking to blast existing credit card debt with the 30 month 0% balance transfer offer, or just wants a low cost piece of plastic for everyday spending. Plus, having the choice between the cashback or 0% BT offer means you can make the card work for your needs best.

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Any catches

While the balance transfer rate is 0% for the first 30 months (when you choose the Vertigo 0% Balance Transfer option), after that it’ll shoot up to the cash advance rate of 21.49% for any lingering balance, which is a rate you may 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 September 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

13.99% p.a.

none

2.99% p.a. for 15 months and then 21.49% p.a.

yes

21.49% p.a.

55

Fees

$55.00

$0 in the first year

none

none

$15.00

2%, Min $2.50

3.00%

$0.00

$10.50

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Other benefits

Receive $300 cashback when you spend $4,000 on eligible purchases within 120 days. For new applications made by 30 November 2021.

Details

Rates and fees information correct as at 26 September 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

13.99% p.a.

none

0% p.a. for 30 months and then 21.49% p.a.

yes

21.49% p.a.

55

Fees

$55.00

$0 in the first year

none

none

$15.00

2%, Min $2.50

3.00%

$0.00

$10.50

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

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