BankSA Vertigo Credit Card

• Get a 0% interest rate on balance transfers for 24 months with a 1% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
• Start with a credit limit as low as $500, helping you keep your spending in check.
• Add 1 additional cardholder at no extra cost.

The basics

• Additional cardholders. You can add an additional cardholder for free, and you will be responsible for managing the account and making repayments.
• Digital wallets. This card supports Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. Gambling transactions are not allowed on the BankSA Vertigo Credit Card.

Rewards and benefits

• Complimentary travel insurance. The BankSA Vertigo Credit Card does not provide complimentary international travel insurance coverage.
• Concierge services. The BankSA Vertigo Credit Card does not provide any concierge services.
• Rewards points. This credit card does not have a rewards program.
• Sign-up bonus. Earn up to $500 cashback on your supermarket and petrol spend when you sign-up and get approved for a BankSA Vertigo Credit Card.

Rates and fees

• Annual fee. The annual fee for this card is $55 per year.
• Balance transfers. This credit card provides a 0% balance transfer offer for the first 24 months, subject to a 1% balance transfer fee and an 80% maximum transfer limit. After the promotional period, any outstanding balance will incur an interest rate of 21.49%.
• Cash advances. The cash advance rate for BankSA Vertigo Credit Card is 21.99% p.a. with interest accruing from the date of the cash advance transaction. BankSA will charge a one-off fee for any cash advances made with this credit card.
• Foreign exchange fee. A 3% foreign exchange fee applies to any transactions made in a foreign currency online or overseas.
• Interest-free period. This card offers you up to 55 days interest-free on purchases, provided you have paid your previous balance in full or made the minimum required payment. Cash advances are excluded from this offer.
• Purchases. There is no introductory offer on purchases with the BankSA Vertigo Credit Card, so all purchases will attract an interest of 13.99% p.a.