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Key facts about these credit cards

Correct as at: 27th September 2018
BankSA bank

This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Description of credit cards
Product name Vertigo card Vertigo Platinum Card Amplify Card Amplify Platinum Card Amplify Signature Card No Annual Fee Card
Minimum credit limit $500 $6,000 $500 $6,000 $15,000 $500
Minimum repayments 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full. 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full. 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full. 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full. 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full. 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full.
Interest on purchases 13.74% 12.74% 19.49%~ 19.49% 19.49% 20.49%
Interest free period Up to 55 days on purchases only. Up to 55 days on purchases only. Up to 55 days on purchases only. Up to 55 days on purchases only. Up to 55 days on purchases only. Up to 55 days on purchases only.
Interest on cash advances 19.49% 19.49% 20.24% 20.24% 20.24% 20.49%
Balance transfer interest rates 0% p.a. for 16 months on balance transfers requested at card application. No balance transfer fee. The variable cash advance rate applies after the promotional period.# 0% p.a. for 26 months on balance transfers requested at card application (2% balance transfer fee applies). Variable cash advance rate applies after the promotional period.#       0% p.a. for 12 months on balance transfers requested at card application (1% balance transfer fee applies). Variable cash advance rate applies after the promotional period.#
Annual card fee $55 $0 annual card fee for the first year. $99 thereafter.^ $79
Amplify Rewards: $0 annual card fee for the first year. $99 thereafter.^
Amplify Qantas: $99 annual card fee
$179 for the first year (normally $279)** $0
Late payment fee $15 $15 $15 $15 $15 $15

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


^First Year Fee Waiver: The first year fee waiver promotion is available when you apply for a new Vertigo Platinum or Amplify Platinum Rewards credit card between 27th September 2018 and 23rd January 2019. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

**Discounted First Year Fee: The discounted first year annual card fee promotion is available when you apply for a new Amplify Signature credit card between 27th September 2018 and 23rd January 2019. The first annual card fee at the reduced rate will be debited from your card account on your first transaction and the full annual card fee, will be debited annually thereafter. Credit criteria, fees and charges apply


#Balance Transfer Promotion: Available when you apply and are approved for a new Vertigo, Vertigo Platinum, No Annual Fee credit card between 27th September 2018 and 23rd January 2019, 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 0% for Vertigo credit card, 1% for No Annual Fee credit card and 2% for Vertigo Platinum credit card of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account. 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). Interest free days do not apply to credit cards with balance transfers.

~Purchase Rate Promotion: Available when you apply and are approved for new Amplify card between 27th September 2018 and 23rd January 2019. The promotional purchase rate will only apply for the promotional period from the date your account is approved. At the end of the promotional period the standard purchase rate will be applied to any unpaid purchase amounts. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rates.

For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au

The terms on which these credit cards are offered can change over time. You can check if any changes have been made by visiting www.banksa.com.au/creditcardfees.