79% Visitor | 28 January 2013
Good choice as a balance transfer card. You get 2.99% for 6 months and then after that the rate goes to 13.24% - much lower than most cards. Good for everyday shopping and cheap annual fee.
Recommends this card
Hi, I’m the site founder and I will personally answer your question within a business day.
Purchase rate
13.74% p.a.Balance transfer
0% 16 monthsreverts to 19.49% p.a. No BT feeAnnual fee
$55 p.a.Pros
Low purchase rate of 13.74% p.a.
0% p.a. on balance transfer for 16 months
Low $55 annual fee
Cons
You cannot transfer an existing balance from a St George, Bank SA or Bank of Melbourne credit card
You can balance transfer up to 80% of your approved credit limit
After the balance transfer period ends the rate reverts to the high cash advance rate
BankSA Vertigo Credit Card
Giving you not just great low rates on purchases, the BankSA Vertigo Card offers a huge 0% for 16 months on balance transfers. Reverts to the cash advance rate. This makes it the ideal choice if you want a money-saving credit card. You can pay off existing credit card debt, while still taking advantage of low rates on everyday purchases. Using this card you can also benefit from up to 55 days interest free on purchases, the convenience of quick payments with Visa Paywave and one free additional cardholder. The annual card fee is $55. Offer ends 22 May 2019. New cards only.
Key features
- 0% p.a. on balance transfer for 16 months. Reverts to cash advance rate.
- Purchase rate of 13.74% p.a.
- Receive up to 55 days interest free on purchases
- $55 annual card fee
- Visa Paywave - a fast and easy way to pay
- 24/7 Falcon fraud monitoring
100% of customers who have rated this card would recommend it
| Interest Rates | |
| Purchase rate | 13.74% p.a. |
| Cash advance rate | 19.49% p.a. |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| Balance transfer rate | 0% p.a. for 16 months |
| Balance transfer fee | No fee |
| Balance transfer revert rate | 19.49% p.a. |
| Balance transfer limit | 80% of your approved new credit limit |
| Balance transfer from personal loan | N/A |
| Banks you can't balance transfer from | Bank of Melbourne ,BankSA ,St.George |
| Credit limits | |
| Minimum credit limit | $500 |
| Maximum credit limit | $80,000 |
| Fees & repayments | |
| Annual fee | $55 p.a. |
| Additional cardholder fee | $0 p.a. |
| Cash advance fee | 2% |
| Foreign transaction fee | 3% |
| Minimum repayment | 2% |
| Late payment fee | $15 |
| Credit card type | Visa |
| Complimentary insurance | |
| Flight inconvenience insurance | No |
| Transport accident cover | No |
| Smartphone screen insurance | No |
| Purchase protection insurance | No |
| Extended warranty insurance | No |
| Rental vehicle excess cover | No |
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 16-month 0% p.a. balance transfer offer, and year-to-year with a low annual fee.
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 16 months.
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 offering a low $55 annual fee. This card's annual fee is fairly reasonable, especially when compared to certain other cards on the market.
On top of that, the card has a low ongoing purchase rate, which is important if you don’t always clear your balance month to month. It also features a low minimum credit limit, and a low minimum income requirement, making it easier for low income earners to get approved.
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 Falcon fraud monitoring.
Overall Rating
A low rate credit card with handy features and a great 0% balance transfer deal offered over 16 months. Offer ends 22 May 2019. New cards only.
31 questions (showing the latest 10 Q&As)
- Be over 18 years old
- Good credit and not applied for multiple credit cards recently
- Australian permanent resident
- Minimum income of $15,000 p.a.
- You have your personal details ready to complete the online application
60 secs responseBankSA Vertigo Credit Card
Giving you not just great low rates on purchases, the BankSA Vertigo Card offers a huge 0% for 16 months on balance transfers. Reverts to the cash advance rate. This makes it the ideal choice if you want a money-saving credit card. You can pay off existing credit card debt, while still taking advantage of low rates on everyday purchases. Using this card you can also benefit from up to 55 days interest free on purchases, the convenience of quick payments with Visa Paywave and one free additional cardholder. The annual card fee is $55. Offer ends 22 May 2019. New cards only.
Key features
- 0% p.a. on balance transfer for 16 months. Reverts to cash advance rate.
- Purchase rate of 13.74% p.a.
- Receive up to 55 days interest free on purchases
- $55 annual card fee
- Visa Paywave - a fast and easy way to pay
- 24/7 Falcon fraud monitoring
Customer Reviews
Rates & Fees
Interest rates
Purchase rate 13.74% p.a.
Cash advance rate 19.49% p.a.
Interest free on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 16 months
Balance transfer revert rate 19.49% p.a.
Balance transfer from personal loan N/A
Balance transfer fee No fee.
Balance transfer limit 80% of approved credit limit
Banks you can't balance transfer from Bank of Melbourne ,BankSA ,St.George
Credit limits
Minimum credit limt $500
Maximum credit limit $80,000
Fees & repayments
Annual fee $55 p.a.
Additional card holder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2%
Cash advance fee 2%
Late payment fee $15
Additional features
Complimentary insurance
Overseas travel insurance No
Flight inconvenience insurance No
Transport accident cover No
Smartphone Screen Insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Our Review
Editor Review
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 16-month 0% p.a. balance transfer offer, and year-to-year with a low annual fee.
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 16 months.
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 offering a low $55 annual fee. This card's annual fee is fairly reasonable, especially when compared to certain other cards on the market.
On top of that, the card has a low ongoing purchase rate, which is important if you don’t always clear your balance month to month. It also features a low minimum credit limit, and a low minimum income requirement, making it easier for low income earners to get approved.
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 Falcon fraud monitoring.
Overall Rating
A low rate credit card with handy features and a great 0% balance transfer deal offered over 16 months. Offer ends 22 May 2019. New cards only.
Pros
- Low purchase rate of 13.74% p.a.
- 0% p.a. on balance transfer for 16 months
- Low $55 annual fee
Cons
- You cannot transfer an existing balance from a St George, Bank SA or Bank of Melbourne credit card
- You can balance transfer up to 80% of your approved credit limit
- After the balance transfer period ends the rate reverts to the high cash advance rate
Minimum criteria to apply for this card
Be over 18 years old
Good Credit and have not applied for multiple credit cards recently
Australian permanent resident
Minimum income of $15,000 p.a.
You have your personal details ready to complete the online application
Customer reviews
Good choice as a balance transfer card. You get 2.99% for 6 months and then after that the rate goes to 13.24% - much lower than most cards. Good for everyday shopping and cheap annual fee.
Recommends this card
Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
Recently Asked Question
Something you need to know about this card? Ask a our credit card expert a question.
Ask a question31 questions (showing the latest 10 Q&As)
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.
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