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BankSA Vertigo Credit Card
3.0
Highlights
- 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.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
1
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$500.00
Maximum Credit Limit
$80,000.00
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%
Balance transfers
Balance transfer offer
Balance Transfer Rate
0%
Balance Transfer Period
24 months
Balance Transfer Fee Percentage
1%
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
80%
Balance Transfer Revert Rate
21.99%
Rates, fees, charges
Cash advances
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
13.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$55.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
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.
Reviewed by Credit Card Compare Staff
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Fair go?
Reviewed by help required
Addictive!
Reviewed by Christina
Too expensive, bad service
Reviewed by Ebi Riemer
I save a lot of money with this card
Reviewed by Nikita
Good interest rate
Reviewed by Angie
Good everyday card
Reviewed by Karina
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