- 0% p.a. for 24 months on balance transfers requested at card application. 2% balance transfer fee applies. The rate then switches to the applicable variable cash advance rate.
- Low ongoing purchase rate at 13.99% p.a.
- Up to 55 days interest free on purchases
- 24/7 fraud monitoring
- Eligible with Apple Pay, Google Pay and Samsung Pay
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BankSA Credit Cards
BankSA Vertigo Credit Card
Updated 8 July 2025
The BankSA Vertigo Card comes with a money-saving intro offer - 0% p.a. for 24 months on balance transfer with 2% balance transfer fee. New cards only. You will also benefit from a low ongoing purchase rate, up to 55 days interest-free on purchases, and one free additional cardholder. T&Cs apply.
Purchase Rate (p.a)
13.99%
Balance Transfer (p.a)
0% for 24 months
2% balance transfer fee applies.
Reverts to 21.99% p.a.
Annual Fee (p.a)
$55
Pros and cons
- You cannot transfer an existing balance from a St George, Bank SA or Bank of Melbourne credit card
Creditcard.com.au review
Editor Review
BankSA Vertigo Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The BankSA Vertigo Credit Card
If thriftiness is your thing, the BankSA Vertigo Credit Card may just be the credit card you’ve been searching for. Even if thriftiness is not your thing, but you think it should be, this card could set you on the path to a frugality you enjoy so much you never want to leave it behind.
Or perhaps not, who knows?
All we know is this card has some serious money-saving capability, allowing you to save on everyday purchases with a low ongoing purchase rate, on existing credit card debt with a fantastic 24-month 0% p.a. balance transfer offer.
Sounds like it might ring your bell? Let’s dig a little deeper.
What we love...
Before we go on to talk about anything else, we really need to look more closely at that amazing balance transfer offer. With the BankSA Vertigo Credit Card, you can transfer balances from your existing credit cards to pay 0% p.a. interest for 24 months with 2% balance transfer fee.
Potentially saving you a significant amount of money in interest, the card lets you pay off more of your actual debt, which should allow you to get it down to zero that much faster.
In terms of its other money-saving capabilities, the BankSA Vertigo Credit Card is charging an annual fee of $55 which is fairly reasonable, especially when compared to certain other cards on the market.
On top of that, the card has a low minimum credit limit and a low ongoing purchase rate, which is important if you don’t always clear your balance month to month.
What’s not so great...
To ensure you make the most of this card, you need to know the essentials. If you choose to take advantage of the 0% balance transfer offer, you may not be able to transfer a balance from a St.George, Bank of Melbourne, or Westpac credit card.
You may only be able to transfer a balance up to 80% of your approved credit limit. Also, take note that any unpaid balance transfer reverts to the cash advance rate at the end of the introductory period.
Why should you choose this card?
If you’re looking for a money-saving credit card that allows you to pay off existing credit card debt while still saving money on other stuff like purchases and annual fees, the BankSA Vertigo Credit Card may indeed be the card for you.
Any other features to consider? As a cardholder, you can benefit from up to 55 days interest free on purchases, one free additional cardholder, the convenience of Visa PayWave, and the security of 24/7 fraud monitoring.
Overall Rating
A low rate credit card with handy features and a great 0% balance transfer deal offered over 24 months. New cards only.
User reviews
Rates and fees
Interest rates
Purchase rate 13.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 24 months
Balance transfer revert rate 21.99% p.a.
Balance transfer from personal loan No
Balance transfer fee 2% one off
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Bank of Melbourne, BankSA, St.George
Credit limits
Minimum credit limit $500
Maximum credit limit N/A
Fees & repayments
Annual fee $55 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $10, whichever is greater
Cash advance fee N/A
Late payment fee $15
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Google Pay and Samsung Pay
Overview
BankSA Vertigo Credit Card
Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.
Key features
- 0% p.a. for 24 months on balance transfers requested at card application with 2% balance transfer fee applies. The rate then switches to the applicable variable cash advance rate.
- Low ongoing purchase rate at 13.99% p.a.
- Receive up to 55 days interest free on purchases
- 24/7 fraud monitoring
- Eligible with Apple Pay, Google Pay and Samsung Pay
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
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Permanent resident in Australia/NZ OR; Non-resident or migrant that holds an acceptable Visa, with a minimum 1 year before expiry
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question40 questions (showing the latest 10 Q&As)
If I use $1500.00 of my vertigo card how long to pay it off and at what rate pleae?
Hi Kaye, If you make a purchase, the interest rate is 13.99% p.a. For cash advances, the rate is higher at 21.99% p.a. The duration interest applies depends on your repayment behavior and the type of transaction made. You can get an estimate if you use our credit card repayment calculator. Thanks!
Hello
Can a person on disability pension apply
I have a mortgage and small personal loan with a bank Credit rating is excellent.
Hi Michelle, we can’t make any assessments on your credit worthiness, that is left up BankSA. We’ve written a piece that delves deeper into this topic, if you’d like to learn more about credit cards for pensioners. We dive into their requirements and things like minimum income. We hope it helps!
Hi. I am an 18 yo full time tertiary student. I have not debts. I receive full rate of Youth Allowance. Live at home with my mum and I don't pay really pay anything. I want to start up a good credit profile. Would I be approved for one?
Hi Ryan, this is a great idea. Having a good credit file allows you to navigate issues when different card providers have different eligibility criteria. We have written an article about how to build your credit score and I suggest checking it for tips and help. Best of luck on your journey to building your credit.
What is the minimum income I have to have in order to apply for this Credit Card...?
Hi Pavel, thank you for your question! We looked into this and note that BankSA has not published the minimum income information. As a general rule, as long as you have a regular income, and can pay the minimum repayment amount (2% of the balance or $10, whichever is greater) and meet the other eligibility requirements, you can proceed with the application!
Hi Roland,
i can balance transfer to my car loan?
Hi Betty, you cannot transfer loan debt to a BankSA credit card. Providers that do allow you to balance transfer personal loan debt include Citibank, Coles, Virgin Money and Qantas Money. I hope that helps.
I got approved for $6000 with $4000 paying off a balance transfer with another bank for your vertigo credit card.
Do I still get the 7 months 0% on new purchases with the remaining $2000?
Hi Melissa, yes you do. Its 7 months after the card was approved. Then post the 7 months, any purchase balance not paid off will move to the purchase rate.
Hi, I have just been approved $4000 for balance transfer offer with Bank of Melbourne to cover my $7400 CC debt with Westpac but will need another $3000 can I also apply for a balance transfer with BankSA or St. George to cover my remaining Westpac debt? or would I have to look for another bank?
Hi Tom, you could apply with them. Though as they just assigned you a 4k limit. They might then decline your next application. The good news is, at least you have a got a good chunk into 0% interest. Focus on paying off whatever is the highest first. You can try to apply for another balance transfer for the remaining 3-4k. Though if you are declined then do not apply again for at least 6 months. I suggest the ANZ Low Rate - request a 4k limit. Though you still could have a go with BankSA or St.George. Though I think more risky for approval.
Hi there. I'm just wondering what happens when you want to transfer an existing balance to a new credit card? Is it all done at the application process or once approved for an amount does the individual transfer the amount themselves? I've just never done a balance transfer before so I'm unsure how exactly it works. Thanks.
Hi Chanara, once approved for your new balance transfer card. The new bank will make a payment on your behalf soon after card activation. Its an automated process that you are not involved in at that stage.
Hi. Can you balance transfer a personal loan on a Vertigo Credit card?
Hi Shan, you cannot transfer loans to Vertigo balance transfer offers. Citi are the only issuer that will accept loans (non-Citi). There are a range of brands that have their cards issued through Citi. This Virgin offer ends today but can take loans and has no balance transfer fee and low annual fee.
I have an exsisting Verito card. Can i transfer from other non sabank card i.e. gem visa for the 0% 16 month transfer deal.
Hi Barbara, this balance transfer offer is available only at the time of application. As a current customer you do not have access to do another 16 month balance transfer. You can though look to apply for a balance transfer with another bank to take your GEM visa debt. Have a look at the ANZ low rate.
Am I eligible if I am on a working holiday visa?
Hi Georgia, I don't think you can get approved on a working holiday visa. You would need more of a long stay Visa. With St George Group (inc Bank SA), you have to have a valid visa with at least two years before the expiration date.
Is there a fee to transfer a balanced across?
Hi Sarah, no balance transfer fee on this offer.
do you give creit cards to pensioners on oold age pension
Hi Wayne, it is possible to get approved with BankSA on a pension. They will access your application on a range of factors such as income (Age Pension can be part of this) v expenses, assets v liability and credit history. Best of luck with your application.
if i would like to pay to a balance transfer to pay off a credit card and i owe 5000 how much would i need my BankSA credit card to be?
Hi Samantha, with BankSA you can transfer up to 95% of your approved limit. Therefore if you apply and are approved for a $5,500 this would be more than enough to transfer the full amount. Best of luck with your application.
Will I be charged if I pay the BT off earlier than the 18 months?
Hi Maddie, you can pay off the balance transfer at any time without penalty.
Any monthly fees
Hi Sue, there are no monthly fees, though there is an annual fee in the 2nd year on wards of $55.
Is there a balance transfer rate fee? If so what is it?
Hi Courtney, there is no balance transfer fee with this offer. Best of luck with your application.
Do you charge balance transfer fee?
Hi Yuki, there is no balance transfer fee with this offer.
Im returning to Australia after being away for years. Im an Australian by birth and of course a Passport holder. Anything I should be aware of ?
Hi Daniel, your approval will depend on your previous AU credit history and a range of other factors such as income v expenses. Also banks will push for AU addresses. In the end, welcome back to Australia. Once you are settled in then let me know what type of card you are looking for and I can offer some suggestions. A balance transfer is only good for transferring Australian credit card debt so this is likely to not be relevant to you.
Im a New Zealand citizen,been In Oz for over 9 years,work full time,just inquiring to see if I am eligible to apply for a balance transfer ?
Hi Paul, it sounds like you would be. You can transfer up to 3 non-St George group issued cards to this offer.
Claude
28 January 2013Good choice as a balance transfer card gives me time to pay down my debt. It has a low purchase rate, much lower than most cards making it good for everyday shopping. Cheap annual fee.
Recommends this card