Quick snapshot
An everyday card with a low rate on purchases, and a low annual card fee.
| $55 | Annual card fee |
| 13.99% p.a. | Variable interest rate on purchases |
| Up to 55 days | Interest free on purchases1 |
| $500 | Minimum credit limit |
New cards only. See below for standard rates and fees.
Which offer works for you? Take your pick.
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Up to $500 cashback on your supermarket and petrol spend<<
Plus, 6.99% p.a. interest on balance transfers for 12 months>> when requested at card application. The variable cash advance rate will apply after this promotional period. Consider this card with the cashback offer if you would like to be rewarded for your supermarket and petrol spend. Already with BankSA? Sign in to apply for a $0 card fee for the first year (reverts to $55 p.a. thereafter)*. Offer not available if you've held a BankSA, St.George or Bank of Melbourne credit card in the last 24 months. New cards only. |
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0% p.a. interest on balance transfers for 24 months##
2% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. Consider this card with the balance transfer offer if you are looking to save monthly interest and pay off your credit card balances faster. Already with BankSA? Sign in to apply for a $0 card fee for the first year (reverts to $55 p.a. thereafter)*.
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Apply via the App
Logon and tap Products (at the bottom of the screen) > Credit cards > Vertigo card > Apply now
Apply via Internet Banking
Logon and select Products, Tools and Calculators > Credit cards > Vertigo card > Apply now
Here’s how to claim your cashback
Why you'll love the Vertigo card
Low interest rate
A useful benefit if you don’t think you’ll pay off your purchases in full each month.
Up to 55 days interest-free
That’s more time to pay your purchase balance and avoid interest charges on your purchases1. The interest-free days don’t cover cash advances.
Shop through ShopBack. Get Cashback.
Link and pay with your eligible BankSA credit card to get exclusive bonus Cashback when you shop on the new BankSA Lounge on the ShopBack app.
Other reasons to choose
If you haven’t used credit much before, or aren’t confident using it, the $500 minimum limit can help ensure your spend doesn’t get out of control.
Key rates and fees
| $55 | annual card fee |
| 13.99% | p.a. variable interest rate on purchases |
| 21.99% | p.a. variable cash advance interest rate |
| $15 | fee applied for each late payment or missed payment |
| 3% | of each cash advance amount |
| 3% | of the Australian dollar value for transactions with merchants based overseas |
New cards only. Fees and rates are subject to change. Read our credit card key facts sheet.
Before you apply
Check whether you’re more likely to be approved
- Aged 18 or over
- Australian or New Zealand citizen
- Or hold an acceptable Australian visa, with a minimum of 1 year before expiry
- Have a fixed residential address in Australia
- Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)
- You’re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)
Important information
##Vertigo Balance Transfer Promotion: Offer commenced 26th March 2025. 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 2% of the transferred balance(s) will apply to balance(s) transferred to a Vertigo credit card. 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 Cashback offer: Offer commenced 1 July 2025. This cashback promotion is available when you apply and are approved for a new Vertigo credit card before the offer is withdrawn, then use it at a participating supermarket and petrol outlets within 180 days from card approval. You will receive 10% cashback on each eligible spend at a participating supermarket and petrol outlets, capped at maximum of $500 per card account. Cashback will be paid as a statement credit to your Vertigo credit card within 90 days of each eligible spend. Your credit card account must be open in order to receive the cashback. If your card is suspended or cancelled, the credit will not be applied. Cashback is only available on one credit card account per customer. This cashback does not form part of the account’s minimum monthly repayment.
Participating supermarkets and petrol outlets: Each supermarket’s and petrol outlets eligibility is based on its merchant classification. While most major and many independent supermarkets and petrol outlets are participating, those not classified in the Supermarket, Grocers and Service Station merchant categories will not be participating. Examples of supermarkets not participating include: Costco, Metropolitan Fresh and wholesaler supermarkets.
Spend Exclusions: Gift card or eGift card purchases at participating supermarkets are not counted as part of eligible spend. Eligible spend also excludes fees, cash, cash-equivalent transactions, third party payments such as AfterPay, BPAY, PayPal or PayPal equivalent.
Existing credit card customers who held a BankSA, St.George or Bank of Melbourne in the last 24 months, 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.
>>Vertigo Balance Transfer offer: Offer commenced 26th March 2025. 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.
*Existing Customer Vertigo First Year Card Fee Waiver: Offer commenced 26th March 2025. The first-year card fee waiver is available for existing customers when you apply and are approved for a new Vertigo credit card before the offer is withdrawn. After the first year, the card fee will be debited to your account on the 12-month anniversary of the Card Fee date and annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.
2 An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder.
3 Fraud Money Bank Guarantee: Our BankSA Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted BankSA promptly. Refer to the Credit Card Terms and Conditions (PDF 351KB) for full details, including when a customer will be liable.
Read the Apple Pay Terms and Conditions (PDF 47KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Read the Google Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.
Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.
Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.
Android, Google Pay and Google Play are trademarks of Google Inc.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.