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BankSA Vertigo Credit Card

7 reviews

Apply by 22 May 2019

Purchase rate

13.74% p.a.

Balance transfer

0% 16 months
0% Complete (success)
reverts to 19.49% p.a. No BT fee

Annual fee

$55 p.a.
55% Complete (success)

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
  • Rates
    99%
  • Fees
    99%
  • Rewards
    N/A
  • Customer Service
    96%
  • Value
    97%
100% of customers who have rated this card would recommend it
Overall customer rating 97%
7 reviews

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

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)

Barbara Tyler

Barbara Tyler

15 February 2019
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.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 February 2019
    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.
Georgia Smith

Georgia Smith

14 December 2017
Am I eligible if I am on a working holiday visa?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 December 2017
    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.
Sarah

Sarah

19 September 2017
Is there a fee to transfer a balanced across?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 September 2017
    Hi Sarah, no balance transfer fee on this offer.
wayne

wayne

14 September 2017
do you give creit cards to pensioners on oold age pension
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 September 2017
    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.
Samantha Atkinson

Samantha Atkinson

13 September 2017
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?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 September 2017
    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.
Maddie

Maddie

13 September 2017
Will I be charged if I pay the BT off earlier than the 18 months?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 September 2017
    Hi Maddie, you can pay off the balance transfer at any time without penalty.
Sue

Sue

7 September 2017
Any monthly fees
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 September 2017
    Hi Sue, there are no monthly fees, though there is an annual fee in the 2nd year on wards of $55.
Courtney

Courtney

5 September 2017
Is there a balance transfer rate fee? If so what is it?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 September 2017
    Hi Courtney, there is no balance transfer fee with this offer. Best of luck with your application.
Yuki

Yuki

28 August 2017
Do you charge balance transfer fee?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 August 2017
    Hi Yuki, there is no balance transfer fee with this offer.
Daniel Fokas

Daniel Fokas

21 August 2017
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 ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 August 2017
    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.
Paul Sisley

Paul Sisley

8 August 2017
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 ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 August 2017
    Hi Paul, it sounds like you would be. You can transfer up to 3 non-St George group issued cards to this offer.
  • 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
BankSA Vertigo Credit Card
BankSA Vertigo Credit Card

BankSA Credit Cards

BankSA Vertigo Credit Card

14 March 2019

Apply by 22 May 2019

Purchase Rate (p.a)

13.74%

Balance Transfer (p.a)

0% for 16 months No BT fee. reverts to 19.49% p.a.

Annual Fee (p.a)

$55

$0 over 16 months

My transfer amount

Balance transfer from:

My annual fee

My interest 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

Customer Reviews

BankSA Vertigo Credit Card

97% rating based on 7 reviews

Rates
Fees
Rewards
Customer Service
Value

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

79%

CreditCard.com.au 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
Roland B Bleyer

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.

31 questions (showing the latest 10 Q&As)

Barbara Tyler

Barbara Tyler

15 February 2019
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.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 February 2019
    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.
Georgia Smith

Georgia Smith

14 December 2017
Am I eligible if I am on a working holiday visa?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 December 2017
    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.
Sarah

Sarah

19 September 2017
Is there a fee to transfer a balanced across?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 September 2017
    Hi Sarah, no balance transfer fee on this offer.
wayne

wayne

14 September 2017
do you give creit cards to pensioners on oold age pension
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 September 2017
    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.
Samantha Atkinson

Samantha Atkinson

13 September 2017
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?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 September 2017
    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.
Maddie

Maddie

13 September 2017
Will I be charged if I pay the BT off earlier than the 18 months?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 September 2017
    Hi Maddie, you can pay off the balance transfer at any time without penalty.
Sue

Sue

7 September 2017
Any monthly fees
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 September 2017
    Hi Sue, there are no monthly fees, though there is an annual fee in the 2nd year on wards of $55.
Courtney

Courtney

5 September 2017
Is there a balance transfer rate fee? If so what is it?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 September 2017
    Hi Courtney, there is no balance transfer fee with this offer. Best of luck with your application.
Yuki

Yuki

28 August 2017
Do you charge balance transfer fee?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 August 2017
    Hi Yuki, there is no balance transfer fee with this offer.
Daniel Fokas

Daniel Fokas

21 August 2017
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 ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 August 2017
    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.
Paul Sisley

Paul Sisley

8 August 2017
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 ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 August 2017
    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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