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BankSA Vertigo Platinum Credit Card
BankSA Vertigo Platinum Credit Card

BankSA Credit Cards

BankSA Vertigo Platinum Credit Card

Updated 19 November 2019

Lowest purchase rate of any BankSA card at 12.99% p.a. and pay $49 annual fee first year. Using this card you can also benefit from up to 55 days interest free on purchases, Visa Paywave and overseas travel insurance for up to 6 months. You may also apply for 3 additional cardholders at no extra charge.

T&Cs apply. Offer ends 12 February 2020

Purchase Rate (p.a)

0% p.a.

for 15 months. Reverts to 12.99% p.a.

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

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

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on purchases for 15 months. Reverts to 12.99% p.a.
  • You can transfer up to 3 non-St George group credit card or store card debt
  • 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
  • 24/7 Visa Platinum Concierge service
  • Complimentary international travel insurance for up to 6 months
  • Add up to 3 additional cardholders at no extra cost
  • Eligible with Samsung Pay & Google Pay

  • No introductory balance transfer offer

Creditcard.com.au review

Editor Review

BankSA Vertigo Platinum Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

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 15-month 0% p.a. offer on purchases, 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...

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...

There's no balance transfer offer available with this card. 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 15-month 0% p.a. purchase offer. Pay $49 annual fee the first year.

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.

Introductory purchase rate 0% p.a. for 15 months

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 55 days

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

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Eligible with Samsung Pay & Google Pay

Overview

BankSA Vertigo Platinum 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. on purchases for 15 months. Reverts to 12.99% p.a.
  • 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.

17 questions (showing the latest 10 Q&As)

KEITH

KEITH

6 November 2019
can i get qantas frequent flyer points with this card or does BANKSA have a antas card earning points
Sarah

Sarah

11 July 2019
Is there a required minimum income for this card? Elsewhere I've noticed it says $15k/year, but nothing on this page..?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 July 2019
    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.
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 assist 1) 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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