BankSA credit cards

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

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Updated 28 Mar 2025   |   Rates updated regularly

Comparing of 8 BankSA credit cards

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 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 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 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 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 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.

More about BankSA credit cards

Insights into BankSA credit card fees, interest rates, balance transfer offers, and rewards.

  • FAQs

What is the most popular BankSA credit card?

The BankSA Vertigo Credit Card is the most popular credit card from BankSA based on our analysis.

Does BankSA offer credit cards with an introductory balance transfer offer?

Yes. It is possible to get a balance transfer credit card with BankSA. They typically offer zero interest on balance transfers for a long time. It’s worth comparing the broader market though before applying.

Does BankSA offer credit cards for businesses?

Yes. BankSA does offer credit cards for businesses.

Does BankSA offer any credit cards with cashback rewards?

No. Cashback credit cards are not currently available from BankSA

Is there a low interest rate credit card available from BankSA?

Yes, you can get a low rate credit card from BankSA. However, their interest rates on purchases are not usually the most competitive.

Does BankSA offer frequent flyer credit cards?

Yes. Frequent flyer credit cards are available from BankSA that can be linked directly with your frequent flyer account.

Does BankSA have credit cards with rewards points?

Yes. A number of credit cards are available that earn points with the BankSA Amplify Rewards program.

What can BankSA rewards points be used for?

Amplify Rewards points can be redeemed for gift cards, merchandise, travel, and account fees.

What partners can points be transferred to from BankSA?

Points can be transferred from BankSA to Singapore Airlines KrisFlyer and Velocity Frequent Flyer.

How can a credit card from BankSA be managed?

Cards can be managed with online banking, mobile app, calling the customer support team, on in a local branch.

Can BankSA credit cards be used with a digital wallet?

Yes. BankSA Visa credit cards are compatible with Apple Pay, Google Pay, and Samsung Pay.

Is it possible to have more than one BankSA credit card?

Yes. It's possible to have multiple cards at the same time.

Are instalment plans available with a BankSA credit card?

Yes. Instalment plans are available for BankSA credit cards. However, only certain transactions will be eligible to put onto instalments.

Who can apply for a credit card from BankSA?

BankSA require applicants to be at least 18 years old and earning $25,000 or more (individual cards may have different minimum criteria). Applicants must have no history of bad credit.

What documents are required when applying for a BankSA credit card?

Applicants must be able to provide an Australian driver's licence number, details of your income, existing debts, proof of income (such as payslips), and monthly living expenses.

How long does it take for BankSA to process an application?

BankSA can give you a decision within 60 seconds of applying. However, this is generally conditional and it will take several more days to process the application in full.

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