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BankSA Vertigo Platinum Credit Card

2 reviews

Apply by 2 October 2019

Purchase rate

12.99% p.a.

Balance transfer

0% 18 months
0% Complete (success)
reverts to 21.49% p.a. No BT fee

Annual fee

$49 first year
49% Complete (success)
then $99

Pros

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
  • Rates
    95%
  • Fees
    95%
  • Rewards
    N/A
  • Customer Service
    95%
  • Value
    95%
Overall user rating 86%
2 reviews
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.

15 questions (showing the latest 10 Q&As)

Shana cox

Shana cox

14 May 2019
What if u don't use the card for anything do u still get charged the fee
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 May 2019
    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
Andrea

Andrea

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

    Roland

    27 February 2019
    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.
Aleashea

Aleashea

27 December 2018
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 December 2018
    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.
Susan

Susan

26 October 2018
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 October 2018
    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.
Stephen Bempong

Stephen Bempong

20 August 2017
Must a person be a customer of your bank? What is the total fee payable on 10k for 2years (monthly repayments)?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 August 2017
    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.
Alex

Alex

25 July 2017
Does this only wpply to other credit card debts or personal loans through a bank aswell?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 July 2017
    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.
Megan

Megan

24 May 2017
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 May 2017
    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.
rosalind palisi

rosalind palisi

19 May 2017
would this card have a qantas ff program
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 May 2017
    Hi Rosalind, this card comes with no rewards points program. It is BankSAs lowest purchase rate card.
kat

kat

24 November 2016
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?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 November 2016
    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.
Diane

Diane

23 July 2016
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?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 July 2016
    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.
Puneet Kapoor

Puneet Kapoor

1 July 2016
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 July 2016
    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.
David

David

28 June 2016
Hi Roland I have just received an unexpected TAX bill from last year for $20,000 can I transfer this debt to this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 June 2016
    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
Karyn

Karyn

25 June 2016
I transferred my balance to a St George Card which I am currently paying off. Will I be able to apply for another one ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 June 2016
    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.
Jo

Jo

25 April 2015
Hi Roland, when you paywave with your credit card is this charged at your cash advance rate or purchase rate?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 April 2015
    Hi Jo - Paywave is at the purchase rate.
John London

John London

19 August 2014
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 August 2014
    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.
  • 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
BankSA Vertigo Platinum Credit Card
BankSA Vertigo Platinum Credit Card

BankSA Vertigo Platinum Credit Card

Updated 23 May 2019

Apply by 2 October 2019

Purchase Rate (p.a)

12.99%

Balance Transfer (p.a)

0% for 18 months No BT fee. reverts to 21.49% p.a.

Annual Fee (p.a)

$49 first year. Then $99 p.a.

$0 over 18 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 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

  • 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

BankSA Vertigo Platinum Credit Card ( based on 2 Creditcard.com.au user reviews )

86% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value

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

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.

15 questions (showing the latest 10 Q&As)

Shana cox

Shana cox

14 May 2019
What if u don't use the card for anything do u still get charged the fee
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 May 2019
    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
Andrea

Andrea

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

    Roland

    27 February 2019
    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.
Aleashea

Aleashea

27 December 2018
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 December 2018
    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.
Susan

Susan

26 October 2018
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 October 2018
    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.
Stephen Bempong

Stephen Bempong

20 August 2017
Must a person be a customer of your bank? What is the total fee payable on 10k for 2years (monthly repayments)?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 August 2017
    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.
Alex

Alex

25 July 2017
Does this only wpply to other credit card debts or personal loans through a bank aswell?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 July 2017
    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.
Megan

Megan

24 May 2017
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 May 2017
    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.
rosalind palisi

rosalind palisi

19 May 2017
would this card have a qantas ff program
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 May 2017
    Hi Rosalind, this card comes with no rewards points program. It is BankSAs lowest purchase rate card.
kat

kat

24 November 2016
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?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 November 2016
    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.
Diane

Diane

23 July 2016
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?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 July 2016
    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.
Puneet Kapoor

Puneet Kapoor

1 July 2016
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 July 2016
    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.
David

David

28 June 2016
Hi Roland I have just received an unexpected TAX bill from last year for $20,000 can I transfer this debt to this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 June 2016
    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
Karyn

Karyn

25 June 2016
I transferred my balance to a St George Card which I am currently paying off. Will I be able to apply for another one ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 June 2016
    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.
Jo

Jo

25 April 2015
Hi Roland, when you paywave with your credit card is this charged at your cash advance rate or purchase rate?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 April 2015
    Hi Jo - Paywave is at the purchase rate.
John London

John London

19 August 2014
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 August 2014
    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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