BankSA is the largest bank in South Australia based on its network of branches and ATMs. It's also a division of Westpac Banking Corporation and anyone can apply for a BankSA credit card, then manage it through internet and mobile banking. Its range includes rewards and frequent flyer cards, low rate, no annual fee and balance transfer options.
The BankSA Vertigo credit card offers a low standard variable interest rates that can help you save on credit card costs. BankSA also sometimes offers interest-free offers on purchases for promotional periods.
If you want to earn points for your everyday spending, there are 3 BankSA credit cards to choose from: the Amplify, the Amplify Platinum and the Amplify Signature card. You can choose to link your card with the Amplify Rewards Program or the Qantas Frequent Flyer program, and then earn reward points as you spend. Some of these cards come with other perks including bonus points, airport lounge passes and complimentary travel insurance.
If you already have a credit card you want to pay off, a BankSA credit card with a low or 0% balance transfer offer gives you a way to save on interest charges during the introductory period. You can transfer debt from up to 3 Australian credit cards, as long as they are not issued by BankSA, Bank of Melbourne or St.George. At the end of the introductory period, any remaining balance transfer debt attracts the card's cash advance interest rate.
If you're applying for a new BankSA credit card, you can request the balance transfer as part of your application. If you already have a BankSA credit card, you can request a balance transfer by calling BankSA on 13 13 76 or by logging into your online account. Once logged in, click on "Transfer & payments" and then "Pay out a credit card held with another bank" to get started.
The BankSA No Annual Fee Credit Card offers an ongoing $0 p.a. annual fee, which can save you around $30 to $400 or more compared to some other credit cards that have annual fees.
BankSA business credit cards can be used to manage your work expenses, with features including additional cards for employees, simplified tax reporting and complimentary insurance. The BankSA Visa Business is a low rate option, while the BankSA Amplify Business earns points for eligible spending on the account.
Based on BankSA credit card provider scores in Finder's 2024 Customer Satisfaction Awards.
Each BankSA credit card offers its own features, but here's a look at some key ones available on most of these cards:
You can add a BankSA credit card to Apple Pay, Google Pay or Samsung Pay, then pay straight from your mobile phone or device.
A personal BankSA card gives you access to discounts and offers with brands such as rebel, Priceline and THE ICONIC through the My Offers Hub. To see the latest deals, you just have to log in to your mobile or internet bank account and go to the "My offers and benefits" section. You can also opt-in to get emailed offers by updating your marketing preferences via internet banking.
BankSA offers 0% interest instalment plans that you can set up to pay off new purchases or part of your balance over 3, 6 or 12 months. Known as Plan&Pay, you can set up an instalment plan for any credit card purchase over $200 that you've made in the previous 30 days or to pay off an eligible card's balance. You can also cancel a plan at any time. While there's no interest for these instalment plans, you'll pay an upfront fee of 1% for a 3-month plan, 2% for 6-month plans and 4% for 12-month plans.
BankSA's platinum and business credit cards come with different types of complimentary insurance covers. Depending on the card you choose, this can include complimentary travel insurance, purchase insurances and business inconvenience cover.
As a BankSA cardholder, you can use any of over 3,000 Westpac Group ATMs in Australia for free, which include BankSA, Westpac, St.George, and Bank of Melbourne ATMs. Internationally, the Westpac Group ATM alliance comprises of around 50,000 ATMs, with institutions like Bank of America, Barclays, and Deutsche Bank. Just keep in mind that using a BankSA credit card to withdraw cash will attract a cash advance fee and interest charges.
You can view and manage your account information through BankSA's online and mobile banking platforms. Features include checking your balance, making payments, activating new credit cards and putting a temporary lock on your card for security.
You can apply by visiting any BankSA branch, over the phone, and online. To apply online, simply complete an online application form, but make sure you meet the eligibility requirements, as mentioned below.
During the application, you may be asked about these key details for your new BankSA credit card:
You'll get a response within 60 seconds of submitting your application online, and BankSA will contact you by email, phone or text message if any more details are needed.
If you're approved, you'll get your new credit card in the mail and can activate it through internet or mobile banking.
Have a question about your application? Call BankSA on 13 13 76.
If you want a credit card from a large bank that's not one or the Big Four – or if you want one based in SA – here are 3 other credit card providers you could compare with BankSA:
The BankSA Vertigo card offers up to $500 cashback and a low ongoing purchase interest rate.
The BankSA Amplify Platinum is a rewards card that offers 100,000 bonus Amplify Points, a discounted first-year annual fee and complimentary travel insurance. Is it right for you?
BankSA's Amplify Qantas Signature card offers 80,000 bonus Qantas Points, complimentary insurances, Qantas Lounge invitations and more. Here's a full rundown of what you can get.
BankSA's mid-tier rewards card offers 0.5 Qantas Points per $1 spent and complimentary insurance – take a look at its other features here.
Reward your business spending with bonus Amplify or Qantas points, a $0 first-year annual fee and complimentary insurances with the BankSA Amplify Business credit card.
Features on the BankSA Visa Business card include joint and several liability, unauthorised transaction insurance and a 9.99% p.a. variable purchase rate.
The BankSA Amplify Signature is a premium credit card that offers 150,000 bonus points, airport lounge invitations and complimentary travel insurance. Get full details here.
With options for medical emergencies, flight delays, cancellations and more, here’s what you need to know about BankSA credit card insurance.
Cut your credit card costs with a $0 annual fee with the BankSA No Annual Fee credit card.
This BankSA credit card offers a 0% introductory interest rate for the first 24 months on balance transfers (with a 1% BT fee), plus a low annual fee. Is it right for you?
What is the best option for a pensioner only wanting 500 or 700 credit card on centrelink benefits plus some cash part time income
Hi Terry,
You can compare credit cards suited to pensioners in Finder’s guide, including some with minimum credit limits starting from $500. I hope that helps.
I am only on a senior pension with commonwealth and I think I have 11,000 annual income and a proof of age as id will I be approve
Hi Natividad,
Thank you for your comment.
Please have a look for the minimum income requirement at the bottom of each card’s review page. This will let you know whether you’re eligible to apply for the card. It doesn’t matter whether you’re employed, on a pension or receiving your income from assets like property, if you meet the income requirement (in addition to the other minimum eligibility requirements) then you can apply for a card. For your other question, if you are applying online, there’s an option that you can select if you’re applying without a Driver’s licence.
I hope this helps.
Thanks,
Sally
I M a current visa cardholder, can I utilise “transfer to the 0% pa for 16 months” idea of course is to pay debt without interest, thanks
Hi Fran,
Thanks for your question.
If you meet the eligibility criteria for the BankSA card then you can apply for a balance transfer from up to three [non- St.George, BankSA and Bank of Melbourne], Australian issued credit, charge or store cards at the time of application.
I hope this has helped.
Thanks,
Elizabeth
I’m a caterer and receive a pension with very little outgoing to pay I want a credit card that can suit me
Hi John,
Please have a look at the minimum income requirement at the bottom of each card’s review page. You’ll find information on how much you have to have to come in to apply for the card. Generally, it shouldn’t matter whether you’re employed full time, on a pension or receiving your income from assets like property, if you meet the income requirement (in addition to the other minimum eligibility requirements) then you can apply for a card.
For more information on choosing a credit card, please read through the article and comparison to see some options for you.
Thanks for your question.
Cheers,
Jacob
Can I open a visa card with a limit of $300 (to safeguard a 90 year old)?
Len.
Hi Len. Please check the card’s review page for information on minimum eligibility requirements. This will let you know whether you’re eligible to apply for the card. The minimum credit limit for most cards is $500. Thanks for your question. Jacob.