- 0% on balance transfer for 18 months. No BT fee applies. Reverts to cash advance rate.
- Complimentary overseas travel insurance
- Visa Platinum Concierge 24/7
- 3 additional cardholders at no extra cost
- Low purchase rate of 12.99% p.a.
- Complimentary transit accident insurance cover
- Transfer up to 3 non-St George group credit card or store card debt
- Pay $49 annual fee first year
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- BankSA Credit Cards
-
BankSA Vertigo Platinum Credit Card
BankSA Vertigo Platinum Credit Card
Apply by 2 October 2019
Purchase rate
12.99% p.a.Balance transfer
0% 18 monthsreverts to 21.49% p.a. No BT feeAnnual fee
$49 first year then $99Pros
0% on balance transfer for 18 months. No BT fee applies. Reverts to cash advance rate.
Complimentary overseas travel insurance
Visa Platinum Concierge 24/7
3 additional cardholders at no extra cost
Low purchase rate of 12.99% p.a.
Complimentary transit accident insurance cover
Transfer up to 3 non-St George group credit card or store card debt
Pay $49 annual fee first year
Cons
You cannot transfer an existing balance from a St George, Bank SA or Bank of Melbourne credit card
BankSA Vertigo Platinum Credit Card
Giving you not just a great low rate on purchases, the BankSA Vertigo Platinum offers 0% p.a. for 18 months on balance transfers. No balance transfer fee applies. Reverts to variable cash advance rate. Pay $49 annual fee the first year. $99 annual fee thereafter. Add to this the lowest purchase rate of any BankSA card at 12.99% p.a. and you have a great deal. Using this card you can also benefit from up to 55 days interest free on purchases, the convenience of quick payments with Visa Paywave. You may also apply for 3 additional cardholders at no extra charge. Offer ends 2 October 2019. New cards only.
Key features
- 0% p.a. on balance transfers for the first 18 months. No balance transfer fee applies. Reverts to cash advance rate.
- Pay $49 annual fee the first year. $99 annual fee thereafter
- Low purchase rate of 12.99% p.a.
- Up to 55 days interest free on purchases
- Visa Paywave - a fast and easy way to pay
- Complimentary 24/7 Visa Platinum Concierge service
- Full suite of complimentary insurances
- Add up to 3 additional cardholders at no extra cost
100% of customers who have rated this card would recommend it
| Interest Rates | |
| Purchase rate | 12.99% p.a. |
| Cash advance rate | 21.49% p.a. |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| Balance transfer rate | 0% p.a. for 18 months |
| Balance transfer fee | No fee |
| Balance transfer revert rate | 21.49% p.a. |
| Balance transfer limit | 80% of your approved new credit limit |
| Balance transfer from personal loan | No |
| Banks you can't balance transfer from | Bank of Melbourne ,BankSA ,St.George |
| Credit limits | |
| Minimum credit limit | $6,000 |
| Maximum credit limit | $80,000 |
| Fees & repayments | |
| Annual fee | $99 p.a. |
| Annual fee first year | $49 |
| Additional cardholder fee | Up to 3 at no extra cost |
| Cash advance fee | 2% |
| Foreign transaction fee | 3% |
| Minimum repayment | 2% |
| Late payment fee | $15 |
| Credit card type | Visa |
| Complimentary insurance | |
| Overseas travel insurance | yes - up to 6 months |
| Flight inconvenience insurance | No |
| Transport accident cover | No |
| Smartphone screen insurance | No |
| Purchase protection insurance | Yes |
| Extended warranty insurance | Yes |
| Rental vehicle excess cover | No |
The BankSA Vertigo Platinum Credit Card
Spent some time comparing platinum credit cards? You’ve probably noticed that platinum offerings can vary, with some cards providing much more than others. However, you may also have noticed that some platinum cards charge much more in fees and interest than others too.
The key to making the right choice is obvious. You need to find the card that offers all the platinum perks you want – with the lowest possible outlay. Fortunately for you, we might be able to cut your search time down to zero, with the BankSA Vertigo Platinum Credit Card.
Offering an array of tempting platinum extras, the BankSA Vertigo Platinum Credit Card also helps to keep costs low. Not only does it have a blindingly good 18-month 0% p.a. offer on balance transfers, it also features BankSA’s lowest purchase rate and a reasonable annual fee of $99 which is reduced to $49 the first year.
What we love...
Before we get into the various features on offer, let’s take a closer look at that balance transfer offer. If you have existing credit card debt that you want to pay off, this deal could get you there – while saving you loads in interest.
By transferring your existing card balances onto the BankSA Vertigo Platinum Credit Card, you could enjoy 0% p.a. on that transferred balance for 18 months. With 18 months to pay it down, you could really make a dent in that debt.
On to the card’s other money-saving features. The annual fee is reasonable, especially when you compare it to certain other platinum cards. However, it’s this card’s purchase rate that’s the real winner here. If you don’t always clear your balance each month, BankSA’s lowest purchase rate could help you save a bob or two.
What’s not so great...
While we recommend reading through all the small print when applying for a credit card, we would like to bring to your attention some of the specifics regarding the balance transfer offer on this card.
First up, any unpaid transferred balance will revert to the cash advance rate, which is significantly higher than the purchase rate. You may find you cannot transfer an existing balance from a St.George, Bank of Melbourne or BankSA credit card, and you may only be able to balance transfer up to 80% of your approved credit limit. Deal breaker? We’ll leave that up to you.
Why should you choose this card?
With that covered, we can now talk more about the other features that make this card worthy of your attention. Platinum perks, you say? This card’s got ‘em.
Providing you with a range of complimentary insurances, the BankSA Vertigo Platinum Credit Card gives you some peace of mind with travel insurance for trips up to six months, plus purchase insurance, extended warranty insurance and price guarantee cover.
As a cardholder, you can also benefit from the assistance of round-the-clock access to the Visa Platinum Concierge, as well as up to 55 days interest free on purchases, and up to three additional cardholders at no extra charge.
Overall Rating
A low rate platinum card with plenty of perks and a blistering 18-month 0% p.a. balance transfer offer. Pay $49 annual fee the first year. Offer ends 2 October 2019. New cards only.
16 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
- You have your personal details ready to complete the online application
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
The BankSA Vertigo Platinum Credit Card
Spent some time comparing platinum credit cards? You’ve probably noticed that platinum offerings can vary, with some cards providing much more than others. However, you may also have noticed that some platinum cards charge much more in fees and interest than others too.
The key to making the right choice is obvious. You need to find the card that offers all the platinum perks you want – with the lowest possible outlay. Fortunately for you, we might be able to cut your search time down to zero, with the BankSA Vertigo Platinum Credit Card.
Offering an array of tempting platinum extras, the BankSA Vertigo Platinum Credit Card also helps to keep costs low. Not only does it have a blindingly good 18-month 0% p.a. offer on balance transfers, it also features BankSA’s lowest purchase rate and a reasonable annual fee of $99 which is reduced to $49 the first year.
What we love...
Before we get into the various features on offer, let’s take a closer look at that balance transfer offer. If you have existing credit card debt that you want to pay off, this deal could get you there – while saving you loads in interest.
By transferring your existing card balances onto the BankSA Vertigo Platinum Credit Card, you could enjoy 0% p.a. on that transferred balance for 18 months. With 18 months to pay it down, you could really make a dent in that debt.
On to the card’s other money-saving features. The annual fee is reasonable, especially when you compare it to certain other platinum cards. However, it’s this card’s purchase rate that’s the real winner here. If you don’t always clear your balance each month, BankSA’s lowest purchase rate could help you save a bob or two.
What’s not so great...
While we recommend reading through all the small print when applying for a credit card, we would like to bring to your attention some of the specifics regarding the balance transfer offer on this card.
First up, any unpaid transferred balance will revert to the cash advance rate, which is significantly higher than the purchase rate. You may find you cannot transfer an existing balance from a St.George, Bank of Melbourne or BankSA credit card, and you may only be able to balance transfer up to 80% of your approved credit limit. Deal breaker? We’ll leave that up to you.
Why should you choose this card?
With that covered, we can now talk more about the other features that make this card worthy of your attention. Platinum perks, you say? This card’s got ‘em.
Providing you with a range of complimentary insurances, the BankSA Vertigo Platinum Credit Card gives you some peace of mind with travel insurance for trips up to six months, plus purchase insurance, extended warranty insurance and price guarantee cover.
As a cardholder, you can also benefit from the assistance of round-the-clock access to the Visa Platinum Concierge, as well as up to 55 days interest free on purchases, and up to three additional cardholders at no extra charge.
Overall Rating
A low rate platinum card with plenty of perks and a blistering 18-month 0% p.a. balance transfer offer. Pay $49 annual fee the first year. Offer ends 2 October 2019. New cards only.
User reviews
Rates and fees
Interest rates
Purchase rate 12.99% p.a.
Cash advance rate 21.49% p.a.
Interest free on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 18 months
Balance transfer revert rate 21.49% p.a.
Balance transfer from personal loan No
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 $6,000
Maximum credit limit $80,000
Fees & repayments
Annual fee $99 p.a.
Additional card holder fee Up to 3 at no extra cost
Foreign transaction fee 3%
Minimum repayment 2%
Annual fee the first year $49
Cash advance fee 2%
Late payment fee $15
Additional features
Complimentary insurance
Overseas travel insurance yes - up to 6 months
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Overview
BankSA Vertigo Platinum Credit Card
Giving you not just a great low rate on purchases, the BankSA Vertigo Platinum offers 0% p.a. for 18 months on balance transfers. No balance transfer fee applies. Reverts to variable cash advance rate. Pay $49 annual fee the first year. $99 annual fee thereafter. Add to this the lowest purchase rate of any BankSA card at 12.99% p.a. and you have a great deal. Using this card you can also benefit from up to 55 days interest free on purchases, the convenience of quick payments with Visa Paywave. You may also apply for 3 additional cardholders at no extra charge. Offer ends 2 October 2019. New cards only.
Key features
- 0% p.a. on balance transfers for the first 18 months. No balance transfer fee applies. Reverts to cash advance rate.
- Pay $49 annual fee the first year. $99 annual fee thereafter
- Low purchase rate of 12.99% p.a.
- Up to 55 days interest free on purchases
- Visa Paywave - a fast and easy way to pay
- Complimentary 24/7 Visa Platinum Concierge service
- Full suite of complimentary insurances
- Add up to 3 additional cardholders at no extra cost
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
You have your personal details ready to complete the online application
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 Questions
Something you need to know about this card? Ask a our credit card expert a question.
Ask a question16 questions (showing the latest 10 Q&As)
Is there a required minimum income for this card? Elsewhere I've noticed it says $15k/year, but nothing on this page..?
Hi Sarah, as a guide I would say you need at least 15k income. Though BankSA no longer provide any guidance on the minimum income required to apply. You just need to be over 18 + an Australian permanent resident.
What if u don't use the card for anything do u still get charged the fee
Hi Shana, you will always have to have the annual fee unless its waived. For this offer, you pay no annual fee in the first year. Then if you continue to the keep the card. You will be charged the annual fee soon after the anniversary of having the card. If you are going to be a light credit card user then it may be worth getting a no annual fee card. Have a look at the ME Frank
Hi I dont have a credit card but would like to get one as i have no balance to transfer would i still be able to apply
Hi Andrea, yes you can still apply without doing a balance transfer. You can just skip that part of the application as it is not compulsory.
Hi there I would like to try apply for a credit card but I am on centerlink and sometimes have my daughter and can't afford to purchase items straight away. Credit history iant the best due to previous partner. Would I still be able to apply for a small credit card? Thanks
Hi Aleashea, you need to have good credit to get approved for a new credit card. Therefore you should review your credit file and see what problems could be their that could affect your application. Approval will depend on a range of factors. Read through our tips for getting approved on a credit card application.
I would like to tranfer credit card debt from my daughters name into mine, this has been jointly used for home purchases. Which banks allow this
Hi Susan, no bank allows this. A balance transfer must be between the same legal person. Therefore only your daughter can balance transfer credit card debt in her name. A long way around could be for you to get a low rate personal loan. Pay out the credit card debt. That way the debt moves over to your name. Then you can look to get a balance transfer. I would suggest waiting around 6 months post the personal loan app. Citi are the only credit card issuer in Australia that will accept non-Citi personal loan debt for a balance transfer.
Must a person be a customer of your bank? What is the total fee payable on 10k for 2years (monthly repayments)?
Hi Stephen, you don't need to be a customer to apply. If you made the minimum monthly payments for 2 years, then it would be around $200 a month.
Does this only wpply to other credit card debts or personal loans through a bank aswell?
Hi Alex, this is only for transferring up to 3 non-St George group credit card or store card debt. If you want to transfer personal loans then you need to look at a Citi Credit Card balance transfer offer. They are the only provider that accept non-Citi personal loan debt as all or part of the transfer.
Hi Roland, This is the card I'm pretty sure I will run with for my balance transfer.
I'm wonder whats the best service to use to acquire a credit history report? Does having different address over the past 10 years affect my ability to get credit?
Cheers Megan
Hi Megan, non of the banks provide any guide on how they score credit applications and this is always changing. Therefore there is no way of really knowing what they are looking for. The key things though are income v expenses, assets v liabilities and your credit history. You can always get a a copy of your credit report for free. There is no sense paying for this. http://www.mycreditfile.com.au/products-services/my-credit-file. I don't think moving around will have a massive impact. Best of luck with your application.
would this card have a qantas ff program
Hi Rosalind, this card comes with no rewards points program. It is BankSAs lowest purchase rate card.
Hello Roland. I have a few things i'd like to consolidate. One of them is the remaining balance of ready credit loan from Citi and a commonwealth credit card balance. I'd prefer the 0% balance transfer for 18mths and the low purchase rate that BankSA is offering. Will they accept the balance transfer for the ready credit lone?
Hi Kat, you will not be able to transfer the Citi Ready Credit to any balance transfer offer in Australia. It is a line of credit and this would only be accepted by Citi themselves, if the debt was non-Citi.Therefore your only option on the Ready Credit debt would be to look at a lower rate personal loan (non-Citi) to pay it down. Then you could possibility look to transfer that loan to a Citi balance transfer. On the CBA debt, this is accepted by BankSA, subject to credit approval. Hope this makes sense, hit me up with any further questions.
Hi Roland, I am looking to transfer my existing balance from one credit card to another, it is $10500.00. I like the look of this credit card & what it has to offer. I am only looking at paying it off & not to use it for purchases. I like the interest rate & the interest free period. Would this be the more suitable card for me?
Hi Diane, this card is a great offer and has high credit limits that could accept the amount you are wanting to transfer, subject to credit approval. Your card debt you want to transfer needs to be non-St George Group. Best of luck with your application.
Hi there,I am looking to buy a car and need a card to transfer $10000. I have few queries.please assist1) do i need to have the card before i buy the car ?2) which card do you suggest to get 18 months and a less interest rate after that. Just in case i need couple of more months to pay.3) A card on which Balance transfer can applied/ used later as well with new purchases.4) what do we mean by 1% p.a. on purchases for 12 months? only 1% of the purchased amount will be applied on the year. Say spend $1000 so only $10 will paid as interest over the year?Regards
PK
Hi Puneet,1) Yes - you would need to have the debt in place before your application to be able to make the transfer
2) Only Citi cards accept personal loan debt as part or all of the transfer. BankSA / St George group do not accept personal loan debt. Therefore I would suggest the Citi Rewards Platinum offer.
3) As long as you have available funds you can use it for purchases as well, though it is not recommended to make purchases on a balance transfer card as you receive no interest free days.
4) On this cards case, you have an intro rate on purchases. The interest still gets charged on the interest so it ends up more than 1% for the year, if you make the purchases straight away. Bottom line is its a great rate on purchases and a great balance transfer offer (for credit and store cards) with a very low standard interest / revert rate.
Hi Roland
I have just received an unexpected TAX bill from last year for $20,000 can I transfer this debt to this card
Hi David, I assume you have paid the tax debt on your current card? A transfer needs to be made at the time of application based on your current, in this case, non-St George group credit or store card debt (up to 3 cards). If so, then yes this Vertigo Platinum offer is a great deal and is possible to accept that kind of transfer subject to credit approval
I transferred my balance to a St George Card which I am currently paying off. Will I be able to apply for another one ?
Hi Karyn, you could apply for another card with say BankSA but you can only transfer non-St George group debt to this offer. Therefore if you have an e.g. NAB card, that you wish to transfer, then subject to credit approval, you could apply for this offer.
Hi Roland, when you paywave with your credit card is this charged at your cash advance rate or purchase rate?
Hi Jo - Paywave is at the purchase rate.
To whom it may concern,I am looking for a credit card where I can transfer the balance of my ANZ credit card and my personal loan, a total of $32000.00. This is to be paid within 14 month timeframe of the 0% transfer balnce rate.Cheers
Hi John - for that type of balance, it would be best to go for a more premium card that offers a higher limit. Citibank take personal loan and credit card debt therefore their balance transfer sounds like the way to go.
http://www.creditcard.com.au/citibank-rewards-platinum-credit-card/ - this product has a 0% for 24 month currently with a 3% handling fee. Though the 3% fee is a one off and you dont pay any interest on it during the 24 month period. Therefore if you balance transferred 32k - the fee would be $960 - so your total BT would $32960 that you would need to pay off within 24 months. Let me know what you think and best of luck with your application. There are other Citibank offers but this one is probably most suitable based on the amount you want to transfer.
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