Credit card offers

Key Facts Sheet

Credit Card Terms and Conditions (PDF 351KB)

Amplify Terms and Conditions (PDF 316KB)

Credit Card Accounts Fees and Charges (PDF 172KB)

<<Vertigo Cashback offer: Offer commenced 28th May 2026. The up to $450 cashback offer is available when you apply and are approved for a new Vertigo credit card before the offer is withdrawn. $75 cashback will be awarded for every month (statement period) $1k or more is spent on eligible purchases for 6 consecutive statement periods. The first eligible spend period will commence from the day your account is opened, up to the end of your second statement period. After this date, the second eligible spend period will commence and the offer spend requirements will align to each statement period thereafter for the remaining of the 5 consecutive statement periods. Eligible purchases made in one statement period do not contribute to subsequent statement period offer eligibility. Eligible purchases do not include interest, fees, charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Cashback is only available on one credit card account per customer. $75 cashback will be paid as a statement credit to your Vertigo credit card account within 90 days of meeting the minimum spend criteria. Existing credit card customers who held a St.George, Bank of Melbourne or BankSA in the last 24 months, are not eligible for this offer. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

>>Vertigo Balance Transfer offer: Offer commenced 28th May 2026. The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card before the offer is withdrawn and request at card application to transfer balance(s) from up to 3 non-BankSA, St.George and Bank of Melbourne Australian issued credit or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. The promotional 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. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. BankSA 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. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.  

##Vertigo Balance Transfer Promotion: Offer commenced 28th May 2026. The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card before the offer is withdrawn and request at card application to transfer balance(s) from up to 3 non-BankSA, St.George and Bank of Melbourne Australian issued credit or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. The promotional 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. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 3% of the transferred balance(s) will apply to balance(s) transferred to the Vertigo credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. BankSA 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. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. 

*Amplify Platinum Bonus Amplify Points Offer: Offer commenced 29th October 2026. To be eligible for bonus Amplify Reward Points, you must apply and be approved for a new Amplify Rewards Platinum card before the offer is withdrawn. You will receive 50,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

^>Amplify Qantas Signature Bonus Qantas Points Offer: Offer commenced 29th October 2026. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Signature credit card before the offer is withdrawn. You will receive 60,000 bonus points if you spend $9k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

^~Amplify Qantas Platinum Bonus Qantas Points Offer: Offer commenced 29th October 2026. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Platinum card before the offer is withdrawn. You will receive 30,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by BankSA, St.George or Bank of Melbourne, or who have held one in the last 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. The bonus Qantas Points will be credited to your Points balance within 12 weeks after the eligible spend criteria is met. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Amplify Rewards: To earn and redeem points, you must be a member of the applicable rewards program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card product page for details. 

Amplify Qantas: To earn and redeem points, you must be a member of the applicable rewards program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card product page for details.

^Amplify Signature Bonus Amplify Points Offer: Offer commenced 29th October 2026. To be eligible for bonus Amplify Reward Points, you must apply and be approved for a new Amplify Rewards Signature card before the offer is withdrawn. You will receive 90,000 bonus points if you spend a minimum amount of $9k on eligible purchases on the Amplify Signature credit card within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.