Purchase rate
13.99% p.a.
Balance transfer rate
0% p.a. for 28 months and then 21.49% p.a.
Annual fees
$55
Interest free days on purchases
55
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Mozo editorial review BankSA Vertigo

Last updated: 3 March 2021.

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What's hot
  • 0% balance transfer rate for first 28 months (0% fee applies)
  • Up to 55 interest free days
  • 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 28 months, plus a 0% balance transfer fee. This card even 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 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.

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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 28 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 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.

Details

Rates and fees information correct as at 12 April 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 28 months and then 21.49% p.a.

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $55.00

  • none

  • 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

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

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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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BankSA

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

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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

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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

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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

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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

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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

Thumbnail icon for Westpac

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

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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

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St.George

Vertigo

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

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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

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MoneyMe

Freestyle Virtual Mastercard

16.99% p.a.

No current offer

$209 Annual fee may vary.

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American Express

Explorer Credit Card

20.74% p.a.

No current offer

$395

Membership Rewards

Thumbnail icon for Citi

Citi

Rewards Credit Card (Bonus Points)

Citi Rewards Program

$149 $49 in the first year

90,000

1 point up to $10,000/month

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Westpac

Altitude Platinum

Altitude Rewards

$150 $99 in the first year

80,000

1 point uncapped

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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

Thumbnail icon for American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for American Express

American Express

Explorer Credit Card

Membership Rewards

$395

90,000

2 points uncapped

Thumbnail icon for St.George

St.George

Amplify Signature

Amplify Rewards

$279

200,000

1.5 points uncapped

Thumbnail icon for American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for 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

Thumbnail icon for Citi

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

Thumbnail icon for Bendigo Bank

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

Thumbnail icon for St.George

St.George

Vertigo

0% p.a. for 28 months and then 21.49% p.a.

13.99% p.a.

$55

Thumbnail icon for Bankwest

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

Thumbnail icon for Westpac

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

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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

Thumbnail icon for St.George

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

Thumbnail icon for 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

Thumbnail icon for Bendigo Bank

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

Thumbnail icon for Bankwest

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

Thumbnail icon for 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

Thumbnail icon for St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

Thumbnail icon for Westpac

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

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ING

Orange One Low Rate Credit Card

11.99% p.a.

No current offer

$0

Thumbnail icon for ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Thumbnail icon for NAB

NAB

StraightUp Card

0% p.a.

No current offer

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

Thumbnail icon for Bendigo Bank

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

Thumbnail icon for Bankwest

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

Thumbnail icon for Westpac

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

Thumbnail icon for Citi

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

Thumbnail icon for 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

Thumbnail icon for ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Thumbnail icon for ING

ING

Orange One Low Rate Credit Card

11.99% p.a.

No current offer

$0

Thumbnail icon for St.George

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