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Simplify and save

Want to save on credit card interest?

If you have an existing credit card balance with another Australian bank, financial institution or store card, then you may consider transferring the balance to BankSA to save money on interest.

To find out about our current balance transfer offers.


Transferring to a new card?

  • Apply online in 10 minutes, get a response in 60 seconds.
  • Consolidate up to 3 non-BankSA Australian issued credit, charge or store cards.
  • Transfer up to 80% of the limit available on the BankSA card you’re transferring to.
  • See product pages for ‘Special Offers’.


Transferring to an existing card?


  • Request a balance transfer online at any time in 5 minutes, get a response in 60 seconds.
  • Transfer up to 2 non-BankSA credit, charge or store cards to your existing BankSA credit card.
  • Transfer up to 80% of the limit available on the BankSA card you’re transferring to.
  • Take advantage of our 6.99% p.a. offer on balance transfers for 12 months when requested at application. After the promotional period, the balance transfer rate switches to the variable cash advance rate.1



Transferring your balance is easy

  1. Start an online application for the credit card of your choice
  2. Select YES within the form that you would like to transfer a balance to your new BankSA credit card
  3. Supply card details for the balance you would like to transfer
  4. Complete the transfer by activating your new card.


Choose from one of the following options to transfer up to 2 non-BankSA credit or store cards to your existing BankSA credit card1:


Via internet banking

Once logged in, select “Transfer & payments” and then select “Pay out a credit card held with another bank.”

Via phone

Call 13 13 76 to arrange a balance transfer over the phone.


Balance Transfer FAQs

Important information

Conditions and fees apply. Credit criteria apply to all credit products

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.

1. Existing BankSA credit card customers can request a balance transfer from another store, charge or non-St.George, non-Bank SA and non-Bank of Melbourne credit card to their existing BankSA credit card account. Balance(s) transferred will be at the special balance transfer rate of 6.99% p.a. for 12 months. Rate then switches to variable cash advance rate. The variable cash advance interest rate applies to balance transfers requested at any other time. You can transfer up to two balances from another store or credit card to your BankSA credit card provided you meet the minimum requirements for balance transfers.