BankSA Credit Cards

BankSA

BankSA is a provider of credit cards, home loans, personal loans, bank accounts, investment products, and superannuation funds.

Compare BankSA Credit Cards

If you’re considering a BankSA card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by annual rate (lowest to highest).

Types of BankSA credit cards

There are 6 different BankSA credit cards at the time of writing:

  1. Amplify Signature Card
  2. Amplify Platinum Card
  3. Amplify Card
  4. No Annual Fee Card
  5. Vertigo Platinum Card (Low Rate)
  6. Vertigo Card (Low Rate)

BankSA also offers business credit cards, which are not summarised on this page. For more info on business credit cards, check out our Business Credit Cards section on our site.

All BankSA credit cards offer the following benefits:

  • Security: Card protected by 24/7 fraud monitoring for suspicious transactions; and Verified by Visa when shopping online.
  • Online and mobile: Cards can be managed using online banking or the mobile banking app on compatible smartphones.
The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.

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Amplify Signature Card

banksa amplify

Features

  • Card type: Visa
  • Minimum credit limit: $15,000
  • Maximum credit limit: $80,000
  • Minimum income required for eligibility: $75,000 p.a.
  • Security: Card protected by 24/7 fraud monitoring for suspicious transactions; and Verified by Visa when shopping online.
  • Online and mobile: Cards can be managed using online banking or the mobile banking app on compatible smartphones.
  • Rewards program: Choice of Amplify Rewards Points or Qantas Points. Earn rewards points for money spent using the card.

Amplify Platinum Card

banksa amplify platinum

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Maximum credit limit: $80,000
  • Minimum income required for eligibility: $30,000 p.a.
  • Security: Card protected by 24/7 fraud monitoring for suspicious transactions; and Verified by Visa when shopping online.
  • Online and mobile: Cards can be managed using online banking or the mobile banking app on compatible smartphones.
  • Rewards program: Choice of Amplify Rewards Points or Qantas Points. Earn rewards points for money spent using the card.

Amplify Classic Card

bsa amplify classic

Features

  • Card type: Visa
  • Minimum credit limit: $1,000
  • Maximum credit limit: $80,000
  • Minimum income required for eligibility: $25,000 p.a.
  • Security: Card protected by 24/7 fraud monitoring for suspicious transactions; and Verified by Visa when shopping online.
  • Online and mobile: Cards can be managed using online banking or the mobile banking app on compatible smartphones.
  • Rewards program: Choice of Amplify Rewards Points or Qantas Points. Earn rewards points for money spent using the card.

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No Annual Fee Card

banksa no annual fee

Features

  • Card type: Visa
  • Minimum credit limit: $500
  • Maximum credit limit: $40,000
  • Security: Card protected by 24/7 fraud monitoring for suspicious transactions; and Verified by Visa when shopping online.
  • Online and mobile: Cards can be managed using online banking or the mobile banking app on compatible smartphones.
  • Digital wallet: Smartphone payments via digital wallet are enabled for Apple Pay, and Android Pay.

 

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Vertigo Platinum Card

banksa platinum

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Maximum credit limit: $80,000
  • Security: Card protected by 24/7 fraud monitoring for suspicious transactions; and Verified by Visa when shopping online.
  • Online and mobile: Cards can be managed using online banking or the mobile banking app on compatible smartphones.
  • Digital wallet: Smartphone payments via digital wallet are enabled for Apple Pay, and Android Pay.

Vertigo Card

banksa classic

Features

  • Card type: Visa
  • Minimum credit limit: $500
  • Maximum credit limit: $40,000
  • Security: Card protected by 24/7 fraud monitoring for suspicious transactions; and Verified by Visa when shopping online.
  • Online and mobile: Cards can be managed using online banking or the mobile banking app on compatible smartphones.
  • Digital wallet: Smartphone payments via digital wallet are enabled for Apple Pay, and Android Pay.

 

Source: BankSA | Piping Shrike

Compare Low Rate Credit Cards

CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.
If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information.

BankSA FAQs

To apply for any of the BankSA credit cards, you must be able to satisfy the following criteria:

  • At least 18 years old.
  • Permanent Australian resident.
  • Earning minimum income specified for each card (see above).

For more information in eligibility requirements, please refer to the BankSA website.

First, check whether you are eligible to apply for a BankSA credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online – it takes less than 10 minutes for new customers and just 5 minutes for existing BankSA customers, according to BankSA. Have your ID and income details handy and check our list of documentation you may need when applying for a credit card.

You can expect to receive an instant response (BankSA). In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time by calling 13 13 76.

You will have to activate the card when it arrives before you are able to use that card. Activate the card using online banking.

You can manage your BankSA credit card through online banking using the Internet Banking or the mobile banking app. Use online banking to do things like set up alerts, view your recent transaction history, view your balance, and more.

When interest is charged

Interest is charged when you carry a balance on your BankSA credit card. Interest is charged on cash advances from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

Interest is charged on all purchases made using the BankSA No Annual Fee MasterCard from the date of purchase, as this card does not offer any interest-free days.

When interest is not charged

Up to 55 interest-free days apply to BankSA credit card purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Your credit limit for a BankSA credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. Find out more about how credit limits are determined here.

You can decrease your credit limit at any time by calling 1300 784 934. You can request an increase to your credit limit after 6 months of holding the card, by applying through online banking, completing and posting a physical application form, or by calling 1300 784 934.

You can close your BankSA credit card account at any time by contacting BankSA:

  • Phone: 1300 784 934 (within Australia) or +61 3 9982 4186 (from overseas) (open Mon-Sat)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the BankSA Assist team to get help in making repayments:

  • Phone: 1800 679 461 (open Mon-Sat)

If you are closing your BankSA credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

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BankSA was founded in 1848 as The Savings Bank of South Australia. It began as a one-man band – John Hector opened the bank in a single room provided free of rent by a mining company. The first person to make a deposit was an Afghan shepherd named Croppo Singh, who placed his life savings of 29 pounds in the bank. One month later, the new bank made its first loan – 500 pounds to John Colton for the purchase of two acres of land with a house, cottage, and stables.

Today BankSA has 120 branches in South Australia and the Northern Territory and is the largest financial institution in SA. BankSA, Bank of Melbourne, and St.George became part of the Westpac Group in 2008.

BankSA plays a key role in the SA community through the BankSA Foundation, donating to approximately 100 South Australian and Northern Territory-based charities each year. They also sponsor of major state events such as the Adelaide Fringe festival and Adelaide’s Royal Show.

Some of BankSA’s notable community support initiatives include:

As for protecting the environment, BankSA has reduced the paper they use and only uses paper from sustainably managed forests and industry-accredited mills. They have introduced energy saving fixtures in their lights, and installed timer delay switches to make sure all branches turn off non-essential lights every night. BankSA also participates in Earth Hour every year. As for computers, BankSA partners with Cartridges 4 PlanetArk to recycle ink cartridges and toners.

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BankSA Credit Card

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Low Fee, Low Rate, Premium, Rewards

No Annual Fee Visa, Vertigo Visa, Amplify Classic, Amplify Platinum, Vertigo Platinum, Amplify Signature

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Written by: TJ Ryan | Last updated: