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BankSA Vertigo Visa Card

The Bank SA Vertigo Visa Credit Card has one of the lower interest rates on the market, and has repeatedly featured in independent awards rankings, most recently it was named by Money Magazine Australia as the cheapest Australian credit card.

Introductory offer0% p.a. Balance Transfer for 18 months a BT fee of 1% applies

Offer Conditions: Apply by 26th September 2018. 0% p.a. for 18 months on balance transfers requested at card application (1% balance transfer fee applies#). Rate then switches to applicable variable cash advance rate

This combination of low purchase rate and 0% p.a. balance transfer offer makes this card a frontrunner for customers looking to pay down an existing debt cheaply whilst continuing to spend on everyday purchases, in the knowledge that the purchase rate is low.

In addition to the competitive rates BankSA Vertigo Visa Credit Card offers a range of benefits:

  • Up to 55 interest free days on purchases - providing you pay off your balance in full every month including any balance transfer amount.
  • Linked access to your other BankSA accounts, for the ease of one card banking
  • Low Annual fee - $55 p.a. 
  • 1 additional cardholder attracts no additional fee
  • PayWave - provides the convenience of tap and go quick payments on transactions up to $100.
  • Low Minimum Income to be eligible to apply - Just $15,000 p.a.
  • Maximum Credit limit - $40,000
  • Fast decision for online applications - within 60 seconds
Credit Card Details
Provider BankSA
Prestige Level Standard
Credit Card Type Visa
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 13.74% p.a.
Cash Advance Rate 19.49% p.a.
Interest Charged From Purchase date
Interest Free Period Up to 55 days
Balance Transfer
Balance Transfer Rate 0%
Balance Transfer Period 18 months
Balance Transfer Fee 1%
Balance Transfer Processing Time 10 - 14 days
Max. Balance Transfer 80% of credit limit
Revert rate 19.49% p.a.
Benefits
Intro Offer 0% p.a. for 18 months on balance transfers requested at card application (1% balance transfer fee applies#). Rate then switches to applicable variable cash advance rate + $0 annual card fee for the first year (saving you $55).
Offer end date 26th September 2018
Rewards Program No
Rewards Points No
Acceptance Criteria
Age to Apply 18
Min. Income $15,000
Residency Australia
Temporary residents No
Min. Credit Limit $500
Joint applicants Yes
Fees & Terms
Min. Monthly Repayment $10
Annual Fee $55
Over Limit Fee $15
Duplicate Statement fee $7.50
Late Payment Fee $15
Min. Monthly Repayment % 2%
Max. Credit Limit $40,000
Cash advance fee 2% of the value of the transaction with a minimum charge of $10 will apply
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee 3% of transaction value
Overseas atm withdrawal fee $5
Complimentary travel insurance No

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.