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Upgrade our credit card FAQs

As your needs change, you could get more out of your credit card by switching to another BankSA card.

Before you apply, you should compare our credit cards, including their interest rates and fees, so that you choose the product that is right for you. You can also call us on 13 13 76 or visit a branch to discuss these products.

Your changed needs Cards to consider
You want to earn rewards points Link an Amplify Visa® Card to Amplify Rewards2 or Amplify Qantas2
You want to earn Qantas Frequent flyer points Link an Amplify Visa® Card to Amplify Qantas3
You want a higher credit limit Platinum Credit Card – minimum credit limit $6,000 for a Visa® Card
Gold Low Rate Visa® Card or MasterCard® – minimum credit limit $5,000
You want an interest free period on your purchases up to 55 days4 Vertigo MasterCard®
Amplify Visa® Card
Gold Low Rate Visa® Card or MasterCard®
Platinum Visa® Card
You want complimentary travel insurance covers and purchase insurance covers5 Platinum Visa® Card
Gold Low Rate Visa® Card or MasterCard®
You want domestic flight inconvenience insurance cover5 Platinum Visa® Card
You want Best Price Guarantee cover on your purchases in Australia5 Platinum Visa® Card
You want a Personal Concierge service6 Platinum Visa® Card
You want a higher daily cash limit Platinum Visa® Card
You want more than one additional cardholder at no extra cost Platinum Visa® Card
Gold Low Rate Visa® Card or MasterCard®
No Annual Fee Credit Card
You want to switch from your No Annual Fee Credit Card to a card with lower variable interest rates Vertigo MasterCard®

  1.  Do I pay an annual fee on my new card?

    You will pay the full annual fee of the card you change to when you activate your new card.

  2.  What happens to my balance?

    You remain liable for any outstanding transactions made on your existing card. Any balance you still owe on your card plus any accrued but unpaid interest on your existing account will be subject to the new product’s Conditions of Use and Fees and Charges.

  3.  What if I need to increase my credit limit?

    If you apply for another card from BankSA that has a higher minimum credit limit than you currently have, you will also need to apply to increase your credit limit. Complete the Online Credit Limit Increase Application.

  4.  How do I apply to switch my card?

    To apply, complete the Request for a Credit Card Transfer Form. Or call us on 13 13 76 or visit any BankSA branch to discuss your options.

 

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Important Information

Conditions, fees and credit criteria apply.

Before making a decision, it's best to read the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it's right for you. If you need help, call 13 13 76.

1 Conditions, limits and exclusions apply to credit card protection cover, details of which are explained in the policy wording and Product Disclosure Statement (PDS) for BankSA Credit Card Protect, which can be obtained from any of our branches. You should review the PDS and consider your own individual financial circumstances, objectives and needs before deciding to hold or acquire credit card protection cover. BankSA Bank - A Division of Westpac Banking Corporation (BankSA Bank) distributes this insurance acting under its own Australian Financial Services Licence as agent for Swann Insurance (Aust) Pty Ltd and BankSA Life Limited (Insurers) and not as your agent. Swann Insurance and BankSA Life each take full responsibility for the PDS. However, they are not responsible or liable to you for the insurance cover provided by the other. BankSA Bank does not, nor do any of its related bodies corporate (as defined in the Corporations Act 2001 (Cth) other than the insurer, BankSA Life Limited, guarantee payment of any policy benefits.
2 You earn Amplify Points as set out in the Amplify Rewards Terms and Conditions. Points are not earned on cash advances and balance transfers or in other specified circumstances. You need a minimum of 3,000 Amplify points before you can redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.banksa.com.au.
3 You earn Qantas Frequent Flyer points through the use of an Amplify Card as set out in the Amplify Qantas Terms and Conditions. Qantas Frequent Flyer points are not earned on cash advances and balance transfers or in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. Membership and Qantas Frequent Flyer points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but BankSA has arranged for this to be waived, for a limited time, for new Amplify cardholders who are not already a member and choose to link their card to Amplify Qantas. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or call or call 13 11 31.
4 If your application for credit is approved, the special balance transfer rate period commences on the date the account is opened. The special Balance Transfer interest rate period ends 6 months later, regardless of when any balance transfer request is processed by us. On the date the special balance transfer rate period ends the interest rate on the outstanding transferred balances reverts to the standard variable rate applying to purchases. Payments made to your credit card account are first applied to any amounts transferred from other credit, charge or store cards under this promotion, before they are applied to any other cash advance or purchase amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. Any interest free period for purchases does not apply while an amount that has been debited as a result of a balance transfer remains unpaid. Balance Transfers will not be accepted from personal loan, overdraft, business or international credit card accounts or from other BankSA or BankSA credit card accounts.
5 These insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507. These benefits are provided to cardholders as complimentary benefits and are subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. No Westpac Group company has any liability in connection with the insurance policies. Please refer to the Gold and Platinum Credit Card Insurance Conditions of Use for a full explanation of cover and exclusions.
6 Platinum Concierge Services is a service benefit of the BankSA Platinum Cards. Services. For more information, please refer to Visa or MasterCard.
7 The earning of Qantas Frequent Flyer points through the use of an Amplify Card is subject to the Amplify Qantas Terms and Conditions. Qantas Frequent Flyer points are not earned on cash advances and balance transfers and in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but BankSA has arranged for this to be waived for a limited time, for new Amplify cardholders who aren’t already members who choose to link their Amplify Card to Amplify Qantas (limit of one complimentary membership per new account). For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or call 13 11 31.
8 The earning of Amplify points through the use of an Amplify Card is subject to the Amplify Rewards Terms and Conditions. Amplify points are not earned on cash advances and balance transfers and in other specified circumstances. You need a minimum of 3,000 Amplify points before you can redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.banksa.com.au.