BankSA Credit Cards

BankSA, or the Bank of South Australia, is owned by St.George.

If you’re credit card shopping and haven’t yet looked into the range of SA credit cards then stop what you’re doing and read on. Bank SA have one of the most complete range of credit cards anywhere, with a card to suit every pocket and spending personality.

BankSA Credit Card Offer

The BankSA Vertigo Card is a great no frills low rate credit card.The ideal credit card for Australian’s who love shopping with a low rate on purchases and balance transfers.

• $0 p.a. annual fee for the first year ($55 p.a. thereafter) annual fee
• 13.24% p.a. on purchases
• 2.99% p.a. for 6 months on balance transfers
• Cash Advance Rate of 21.49% p.a.
• 55 days interest free

Read the BankSA Vertigo MasterCard terms and conditions.

Comparison of BankSA Credit Cards

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	BankSA Vertigo MasterCard	A low interest rate card with a low annual fee.	13.24% p.a.	2.99% p.a. for 6 months	$0 p.a. annual fee for the first year ($55 p.a. thereafter)	21.49% p.a.
	BankSA Gold Low Rate Card	Benefit from gold credit card advantages including travel insurance, higher credit limits and a low interest rate offer.	15.99% p.a.		$0 p.a. annual fee for the first year ($79 p.a. thereafter)	20.24% p.a.
	BankSA Amplify	The BankSA Amplify is a brand new rewards credit card from which allows you to earn more Qantas Frequent Flyer points.	18.74% p.a.	0.99% p.a. for 6 months	$0 p.a. annual fee for the first year ($79 p.a. thereafter)	20.74% p.a.
	BankSA No Annual Fee Mastercard/Visa	A no annual fee credit card from BankSA.	20.49% p.a.		$0 p.a.	20.49% p.a.
	BankSA Platinum Card	Enjoy platinum perks such as travel insurance, purchase insurance and extended warranty.	15.99% p.a.	3.99% p.a. for 6 months	$0 p.a. annual fee for the first year ($89 p.a. thereafter)	21.49% p.a.

• BankSA Overlimit & Late Payment Fees

If you’re credit card shopping and haven’t yet looked into the range of SA credit cards then stop what you’re doing and read on. Bank SA have one of the most complete range of credit cards anywhere, with a card to suit every pocket and spending personality.

Let’s take a look at some of the credit cards in the range. But first…

Who Are Bank SA?

Bank SA has been an integral part of the financial infrastructure of Australia since 1848. With it’s 160 year history Bank SA has grown to be the country’s main provider of housing, financial, and rural services.

Far from being just a credit card provider, Bank SA deal with everything from basic transaction accounts, through to personal loans, credit cards, and even home loans. They aim to provide products suitable for people of every background and financial standing, be they students, retirees, or business people.

So, onto the credit cards. What sort of offers can you expect from Bank SA?

Bank SA Vertigo Credit Card

This credit card is one of the best offered by the bank, and would be perfectly suited to someone looking for a cheap balance transfer deal.

When you transfer an existing credit card debt onto the Vertigo card you get a tiny rate of 2.99% p.a. for 6 months. This should give you plenty of time to make some inroads into paying the debt off.

After the 6 month period is over you’ll revert to the card’s standard variable rate which currently stands at 13.24% p.a., the lowest offered by Bank SA. You also get the benefit of up to 55 days interest free on any purchases you make so you can pay things off over a month without worrying about interest.

There are no real perks or rewards offered with this card and that’s reflected in the low annual fee of just $0 p.a. annual fee for the first year ($55 p.a. thereafter) In one sense this product is fairly basic, and probably wouldn’t be suitable for those looking for a large credit limit.

The minimum earning requirement for the card is just making it accessible to those earning a very modest amount. On the whole the card is functional, easy to run, and great if you need a low rate balance transfer.

The Bank SA Amplify Card

Another good card for those looking for a low rate balance transfer, but this card is a little more geared to regular spenders who also want the benefit of a rewards program.

As a new customer you get the same 0.99% p.a. for 6 months interest rate on balance transfers. The standard variable rate of interest is also a little more expensive at 18.74%, however this is offset by the fact there is no additional costs with this card.

The reward scheme that comes with this card is travel related and would be perfect for those that fly worldwide on a regular basis. For every dollar spent you receive 1 Amplify point, and for every $2 dollars spent you receive a Qantas Frequent Flyer Point. You can then decide whether you want to exchange your points for travel rewards from Qantas, or whether you want to pick something from the Amplify range of gifts.

You still have the same 55 days of interest free credit, giving you plenty of time to pay off any balance before you’re charged interest, and the annual fee is $0 p.a. annual fee for the first year ($79 p.a. thereafter). Not too bad for a reward card of this type.

The Bank SA No Annual Fee Card

There is no low promotional rate offered with this card so if you’re looking to do a balance transfer you may be better looking elsewhere.

The standard rate of interest is 20.49% p.a. from the start, however there is no annual fee whatsoever. This feature makes this card ideal for someone who doesn’t spend regularly on credit, or perhaps someone who only really keeps the card for emergencies.

There is no interest free period, and no reward scheme so this really is a card aimed at those who don’t really use credit very often.

The Bank SA Platinum Credit Card

If you want a premium credit card that gives you that little bit extra then the Bank SA Platinum Card could be for you. Unusually for a platinum card you do get a low rate for balance transfers of 3.99% p.a. for 6 months, after which you revert to the variable rate of 15.99% p.a..

There’s no reward scheme attached to the card, however there are a host of added bonuses. You receive travel insurance, purchase insurance, extended warranty, and transport accident insurance which could save you a packet when you travel overseas.

There is the 55 days interest free period on this card so once again if you like the odd shopping spree with the option of paying off over the month, you can do it with this product.

The annual fee for this card is $0 p.a. annual fee for the first year ($89 p.a. thereafter), which is fairly reasonable considering the added incentives on offer. The minimum earning requirement for this card is meaning it’s better suited to those in well paid jobs, and customers with clean credit histories.

This is just a selection of the credit cards in the Bank SA range, and as you can see there is something for everybody. A basic card which is cheaper to run with low annual fee and low interest rates, a no annual fee card for those who keep their credit card for emergencies only, and the Platinum card for those that like the luxuries that are part of the deal.

There’s also a gold card, and business card in the range so whatever your situation if you need a new credit card then Bank SA should be top of your list.

Why is St George marketed as BankSA in South Australia?

When BankSA collapsed in 1992, it was bought out by St.George. To maintain brand recognition of the ‘Bank of South Australia’, St George decided to market their products under the BankSA name.

Check out the great range of BankSA credit cards. Discover a credit card that is ideally suited to your needs, whether you are a personal or business customer.

BankSA offers a wide range of credit cards, namely the Vertigo Credit Card, Platinum Credit Card, Gold Low Rate Credit Card, No Annual Fee Credit Card, Visa Business Credit Card, and BankSA Instant Benefits credit card. The names of these BankSA credit cards will give you a good idea what the cards are all about, and you can see that there will be one to cover your needs.

BankSA opened its first bank in South Australia in 1848 and has been established there ever since. In fact, BankSA is the largest financial institution in South Australia and is also the State’s main provider of housing, personal finance and rural banking services. BankSA sponsors major State events and makes donations through its BankSA & Staff Charitable Fund to approximately 100 South Australian and Northern Territory-based charities every year.

Apart from its BankSA credit cards, BankSA allows you to own your first home, pay off your home loan faster, protect your assets, earn a good rate on your investments, and plan your retirement. BankSA is committed to helping South Australians get the most from their money, allowing them to enjoy their lives with the least amount of financial worry.

BankSA also caters to customers in commercial and rural businesses, offering a full range of lending and investment products, merchant card services and EFTPOS, finance services for import and export, and leasing. They also provide an array of services in funds management, life and general insurance, and superannuation and investment.

Choosing a BankSA credit card, you can be confident that you will always be at the cutting edge, as BankSA prides itself on being a leading innovator, being the first South Australian bank to provide banking services to customers over the internet.

BankSA has the largest network of branches and ATMs in South Australia, boasting more than 120 branches in metropolitan and rural South Australia, as well as branches in the Northern Territory.

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from. ‘Best and ‘Top’ are ratings which are subject to our consideration and is not rated against all Australian credit cards. We recommend you take this information into account when comparing credit cards.