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Credit Cards


COVID-19 and credit card applications

The impact of COVID-19 means we are experiencing long lead times to process the applications of those who do not currently have an account with us. Current customers may also experience delays. Please read the ‘Before you apply’ section on the individual card pages carefully before applying.

 

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Qantas points

Earn Qantas points on eligible purchases and redeem them for Qantas flights and upgrades, as well as merchandise from the Qantas Store.

Amplify rewards points

Earn Amplify Rewards points on eligible purchases and redeem them for flights, upgrades, gift cards, merchandise and more.

A low interest rate

Our low rate cards provide competitive variable interest rates on purchases and the option of premium extras.

A balance transfer

You could transfer a balance from up to 3 cards to a BankSA card to take advantage of a promotional balance transfer rate for a set period.

No annual fee

A straightforward, everyday credit card with no annual card fee, ever.

0% p.a. balance transfer for 18 months with Vertigo#      

  • Plus, no balance transfer fee.
  • Up to 55 days interest free on purchases.*
  • $55 annual card fee.

After 18 months, the rate reverts to the variable cash advance rate. The offer is only applicable to balance transfers requested at card application. New cards only.

How does a balance transfer work?

You could save money by transferring existing card balance to a BankSA Credit Card.

Managing your credit card

How to keep your card secure

Making credit card repayments

How to set up automatic credit card repayments

Compare credit cards

See all your options side by side

Credit card repayment calculator

Calculate your repayments

Help with your current card

Information and guides to help you make the most of your credit card. Manage your limit, minimise fees, learn how to redeem Amplify points and manage other features

Articles and FAQs

Want to know more about what your credit card could do for you? Learn from our selection of credit card content to make the most of your card’s capabilities.

Important information

Conditions, fees and credit criteria apply to BankSA credit cards.

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

Key Facts Sheet

Credit Card Conditions of Use (PDF 1MB)

Credit Card Accounts Fees and Charges (PDF 162KB)

Switches, upgrades, or Westpac Group staff are ineligible. The promotions may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

*Interest free period is available on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date.

#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo, No Annual Fee, Amplify Signature or Amplify Platinum credit card between 3rd June 2020 and 30th September 2020, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. A balance transfer fee of 1% will apply to balance(s) transferred to a new No Annual Fee credit card and will be charged to the card account on the same day the balance(s) are debited to the account. No balance transfer fees apply to Vertigo, Amplify Signature or Amplify Platinum credit cards. At the end of the promotional period, the applicable variable cash advance rate will apply to any outstanding transferred balance(s). We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). 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.

Credit provided by BankSA - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.