BankSA Vertigo
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free56
- Balance transfer62
- Low rate58
Customer reviews
Based on 6 reviews
Good everyday card
If you pay your card off each month, then you don’t get charged interest. This means you can purchase something and depend have up to 49 days to pay for it.
Good interest rate
When I compared other interest rates, this card worked out cheaper. However, it carries an annual fee which is annoying when so many credit cards don’t any more. I have been looking for another credit card because of this. I usually pay my balance off each month so it works out,…
I save a lot of money with this card
I have had my BankSA Vertigo low interest card for many years now as it is very beneficial with the very low interest rate. I save lots of money. With this card I have also received balance transfer offers with no interest for a certain period, which I have used and saved…
Too expensive, bad service
I found BankSA to be not very user-friendly and restricted usage – whilst overseas the card did not work in all ATMs and the entire credit limit could not be used as expected. Bear in mind that my credit limit was $600, which is too low to be called credit – it should be in the…
Addictive!
At the beginning the credit card was easy to maintain and pay off, but I have extended many times and am finding it hard to keep on top of! It’s not the card so much, but myself allowing it to get out of control and maxing out my limit too much.
Fair go?
They were good at the start and when I got into trouble they didn’t want to know about it. I wanted to combine my cards and make it easier for me but they refused. They were quick to give out the cards but not to assist. Fair go – help australians.
Pros & cons
What's good
- 20 months at 0% p.a. on balance transfers, longer than the 12-month median (3% transfer fee, reverts to 21.99% p.a.).
- The 13.99% p.a. purchase rate is below the 18.99% p.a. market median.
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- The $84 annual fee is high for a Standard card, where the typical fee is about $50.
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $500 – $80,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.99% p.a.
- Purchases
- 13.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $84 p.a.
- Cash advance fee
- 3.5% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $10, whichever is greater
Balance transfers
- Can't transfer from
- Bank of Melbourne, BankSA, St.George
- Limit
- Up to your available credit limit
- Period
- 20 months
- Promotional rate
- 0% p.a.
- Revert rate
- 21.99% p.a.
- Transfer fee
- 3%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
Compare the BankSA Vertigo against every other card in its category.
Questions and answers
No questions yet. Ask the first one about BankSA Vertigo.
Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- BankSA