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Key facts about these credit cards

Correct as at: 3rd October 2019
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 13.99% 12.99%~ 19.74% 19.74% 19.74% 20.74%
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 21.49% 21.49% 21.49% 21.49% 21.49% 21.49%
Promotional purchase rate   0% p.a. on purchases for 15 months~        
Balance transfer interest rates 0% p.a. for 18 months on balance transfers# Plus, no balance transfer fee. Requested at card application, the variable cash advance rate will apply after the promotional period.   
    0% p.a. for 6 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate.#

0% p.a. for 6 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate.#

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

$49 for the first year (usually $99)** 

$79 $49 for the first year when you select Amplify Rewards (usually $99)**

$99 when you select Qantas Rewards
$139 for the first year (usually $279)** $0
Late payment fee $15 $15 $15 $15 $15 $15

Important information

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

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.

**Discounted First Year Fee: The discounted first year annual card fee promotion is available when you apply for a new Amplify Platinum (and elect to link your card account to the Amplify Rewards program), Vertigo Platinum or Amplify Signature credit card between  3rd October 2019 and 12th February 2020. 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: 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 October 2019 and 12th February 2020, and request at card application to transfer balance(s) from up to 3 non-St.George Bank, BankSA and Bank of Melbourne 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). Interest free days on purchases do not apply to credit cards with balance transfers. You will be charged the applicable purchase rate on any spend that you make whilst you have an outstanding balance transfer.

~Purchase Rate Promotion: The special promotional rate of 0% p.a. on purchases for 15 months applies from card approval when you apply for a new Vertigo Platinum credit card between 3rd October 2019 and 12th February 2020. After 15 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

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.