BankSA

BankSA offers great access to branches located throughout SA, but their competitive offers are available no matter where you live in Australia.

BankSA credit cards

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BankSA Amplify Platinum Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

BankSA Amplify Platinum Credit Card (Amplify)

Highlights

  • Earn 100,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
BankSA Amplify Platinum Credit Card (Qantas)

Not available for application via this website

Apply by 30 April 2025

BankSA Amplify Platinum Credit Card (Qantas)

Highlights

  • Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 50,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
BankSA Amplify Signature Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

BankSA Amplify Signature Credit Card (Amplify)

Highlights

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
BankSA Amplify Signature Credit Card (Qantas)

Not available for application via this website

Apply by 30 April 2025

BankSA Amplify Signature Credit Card (Qantas)

Highlights

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros

  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
BankSA Vertigo Credit Card

Not available for application via this website

Apply by 30 April 2025

BankSA Vertigo Credit Card

Highlights

  • Get a 0% interest rate on balance transfers for 24 months with a 1% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • Add 1 additional cardholder at no extra cost.

Pros

  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Note that the balance transfer rate reverts to 21.99% p.a. after 24 months.
  • The 1% balance transfer fee is low but it can add up with large transfers
  • No rewards program which is typical for a basic card.
BankSA Amplify Business Credit Card (Amplify Rewards)

Not available for application via this website

BankSA Amplify Business Credit Card (Amplify Rewards)

Highlights

  • Earn points without limits, no matter how much you spend.
  • Earn double Amplify points on eligible overseas transactions.
  • Includes Transit Accident Insurance and Unauthorised Transaction Insurance, ideal for business trips and transactions.

Pros

  • The $0 annual card fee for the first year saves you money while enjoying the card's benefits.
  • Earn 1 Amplify point per $1 on domestic transactions and 0.5 Amplify points on government payments.
  • Share your account benefits with 3 additional cardholders at no extra cost.
  • Simplify tax reporting by exporting expenses directly into MYOB and BAS or through an Excel file.
  • Convert your points for appliances, gift cards, charitable donations, entertainment, and more.
  • Turn your points into travel opportunities by booking a domestic or international flight.
  • Use your points with leading frequent flyer programs such as Virgin Australia's Velocity program or Singapore Airlines' KrisFlyer program for added flexibility.

Cons

  • The cash advance rate is 20.24% p.a.
  • Foreign transactions incur a 3% fee but earn 2x points on eligible overseas spending, letting you maximize rewards.
BankSA Amplify Business Credit Card (Qantas Rewards)

Not available for application via this website

BankSA Amplify Business Credit Card (Qantas Rewards)

Highlights

  • Earn points without limits, no matter how much you spend.
  • Earn 1 Qantas Point per $1 spent on eligible overseas transactions.
  • Includes Transit Accident Insurance and Unauthorised Transaction Insurance, ideal for business trips and transactions.

Pros

  • The $0 annual card fee for the first year saves you money while enjoying the card's benefits.
  • Earn 0.5 Qantas Points per $1 on domestic transactions and 0.25 Qantas Points on government payments.
  • Share your account benefits with 3 additional cardholders at no extra cost.
  • Simplify tax reporting by exporting expenses directly into MYOB and BAS or through an Excel file.
  • Redeem your Qantas Points for Classic Award flights on Qantas and its 35 partner airlines.
  • Use your points to book Qantas and Jetstar Any Seat Award flights.
  • Convert your points to over 3,000 products, experiences, and vouchers from Qantas Marketplace.
  • Upgrade your travel experience on eligible Qantas flights when available.

Cons

  • The cash advance rate is 20.24% p.a.
  • Foreign transactions incur a 3% fee but earn 1 point on eligible overseas spending, letting you maximize rewards.
BankSA Vertigo Credit Card (Up To $500 Total Cashback)

Not available for application via this website

BankSA Vertigo Credit Card (Up To $500 Total Cashback)

Highlights

  • Earn 10% cashback on purchases at participating supermarkets and petrol stations (with a maximum of $500 cashback). Terms and Conditions apply.
  • Get a 6.99% interest rate on balance transfers for 12 months with no transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.

Pros

  • This card’s cashback offer makes it a great choice for supermarket and petrol spending.
  • No BT fee.
  • Add 1 additional cardholder at no extra cost.
  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Cashback earnings are capped at $500, so planning your spending is important.
  • Other cards offer 0% on balance transfers with longer transfer periods.
  • A 3% overseas transaction fee applies, so it’s worth considering for frequent travelers.

BankSA home loans

BankSA Basic Home Loan (Owner, Principal and Interest)

Not available for application via this website

BankSA Basic Home Loan (Owner, Principal and Interest)

Interest rate (p.a.)

3.97%

Comp rate^ (p.a.)

4.02%

Max LVR

90.00%

Application fee

$600.00

Monthly repayment

$2,140.59

Total repayment

$770,612.40

Highlights

  • Get a home loan with a lower variable interest rate.
  • Pay $0 establishment fee if you borrow more than $150,000 when making Principal & Interest repayments.
  • Make extra repayments at no extra cost to pay off your loan sooner and save on interest.
BankSA Basic Home Loan (Investor, Principal and Interest)

Not available for application via this website

BankSA Basic Home Loan (Investor, Principal and Interest)

Interest rate (p.a.)

4.54%

Comp rate^ (p.a.)

4.59%

Max LVR

90.00%

Application fee

$600.00

Monthly repayment

$2,290.79

Total repayment

$824,684.40

Highlights

  • Get a home loan with a lower variable interest rate.
  • Pay $0 establishment fee if you borrow more than $150,000 when making Principal & Interest repayments.
  • Make extra repayments at no extra cost to pay off your loan sooner and save on interest.
BankSA Basic Home Loan (Investor, Interest only)

Not available for application via this website

BankSA Basic Home Loan (Investor, Interest only)

Interest rate (p.a.)

4.83%

Comp rate^ (p.a.)

4.88%

Max LVR

90.00%

Application fee

$600.00

Monthly repayment

$2,369.16

Total repayment

$852,897.60

Highlights

  • Get a home loan with a lower variable interest rate.
  • Pay $0 establishment fee if you borrow more than $150,000 when making Principal & Interest repayments.
  • Make extra repayments at no extra cost to pay off your loan sooner and save on interest.

Learn all about

  • Q&As

Why should I choose BankSA?

BankSA have been operating in South Australia since opening its first branch in 1848. Its first depositor was an illiterate Afghan shepherd, who signed his account papers with an X. From such modest beginnings, BankSA has grown to be the largest financial institution in the state, today as well as its main provider of housing, personal finance and rural banking services. There are 120 BankSA branches across the state and more branches located in the Northern Territory. BankSA tries to be a good local – it is a sponsor of several state events and, through the BankSA & Staff Charitable Fund, makes donations to approximately 100 South Australian and Northern Territory-based charities each year. BankSA are part of the Westpac Group.

How long have BankSA been about?

BankSA got its start in 1848 as two separate banks: the State Bank of South Australia and the Savings Bank of South Australia. The two banks would later merge as the Bank of South Australia, better known by its commercial name BankSA.

After mismanagement and bad banking in the 1980s, BankSA collapsed, was bailed out by the State Government, and merged with St.George Bank in 1992. It was decided to maintain the BankSA brand for operations in South Australia, with many of BankSA’s products and services being identical to St.George’s, including its credit cards. In 2008, both were absorbed by the Westpac Group.

What banking services do BankSA offer?

BankSA offers a range or personal banking products for individual customers including accounts for everyday transactions and savings, home loans, credit cards, personal loans, insurance and investments, including online share trading. It tailors its services to specific types of customer, such as students, first-time homebuyers, savers and people wanting to consolidate their debts. In addition, it offers business banking services for all sorts of operations, from small businesses and entrepreneurs, commercial and agribusiness, to corporate and international services. BankSA Business Solutions include transaction and savings accounts, business credit cards, lending and finance, payment solutions and insurance.

As seen on

Media - The Sydney Morning Herald
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Media - News.com.au
Media - Daily Mail Australia
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