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 28 months, plus a 0% balance transfer fee. This card even won a 2020 Mozo Experts Choice Award for best Balance Transfer Credit Card!
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 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 28 September 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 28 months, the interest rate for any transferred balance will increase to 21.49%. There's also a $55 yearly fee to budget for.
Want to share the card with a significant other? No problem! You can get an additional cardholder, for no additional fee.
The BankSA Vertigo is great for someone who is looking to blast existing credit card debt with the 28 month 0% balance transfer offer, or just wants a low cost piece of plastic for everyday spending.
While the balance transfer rate is 0% for the first 28 months, 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.
13.99% p.a.
none
0% p.a. for 28 months and then 21.49% p.a.
yes
21.49% p.a.
55
$55.00
none
none
none
$15.00
2%, Min $2.50
3.00%
$0.00
$10.50
$0.00
$10.00
2.0
1
none
Apple Pay, Google Pay, PayID, Samsung Pay
Great for ease of use, but nothing to gain in regards to bonuses.
Read full reviewGreat for ease of use, but nothing to gain in regards to bonuses.
Interest free balance transfers
Read full reviewInterest free balance transfers
On the whole good customer service. Banking options explained well.
Read full reviewOn the whole good customer service. Banking options explained well.
They have closed a few CBD branches.
Read full reviewThey have closed a few CBD branches.
Great card, easy to deal with bank, always no hassle.
Read full reviewGreat card, easy to deal with bank, always no hassle.
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.
BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
BankSA
Amplify Platinum
19.74% p.a.
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
$99
BankSA
Amplify Signature
19.74% p.a.
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
$279
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
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
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
American Express
Explorer Credit Card
20.74% p.a.
No current offer
$395
Membership Rewards
Citi
Rewards Credit Card (Bonus Points)
Citi Rewards Program
$149 $49 in the first year
90,000
1 point up to $10,000/month
Westpac
Altitude Platinum
Altitude Rewards
$150 $99 in the first year
80,000
1 point uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
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
Citi
Rewards Credit Card (Bonus Points)
0% p.a. for 15 months and then 22.24% p.a.
21.49% p.a.
$149 $49 in the first year
Citi Rewards Program
Bendigo Bank
Low Rate Credit Card
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Bankwest
Breeze Mastercard
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
10.99% p.a.
$49 $0 in the first year
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Citi
Rewards Credit Card
0% p.a. for 30 months and then 22.24% p.a.
21.49% p.a.
$149 $49 in the first year
Citi Rewards Program
St.George
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Amplify Rewards
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
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
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
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
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
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
