Vertigo

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 21.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Interest Free Additional Information: Up to 55 days Interest free on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) on time.

• Digital Wallet Additional Information: Multiple ways to pay, securely, with mobile wallet. Pay on the go simply and securely from your mobile device at millions of stores worldwide, where contactless payments are accepted - compatible with Apple Pay.

• Digital Wallet Additional Information: Multiple ways to pay, securely, with mobile wallet. Pay on the go simply and securely from your mobile device at millions of stores worldwide, where contactless payments are accepted - compatible with Google Pay.

• Digital Wallet Additional Information: Multiple ways to pay, securely, with mobile wallet. Pay on the go simply and securely from your mobile device at millions of stores worldwide, where contactless payments are accepted - compatible with Samsung Pay.

• Other Additional Information: Digital Card - Boost your card security by using the dynamic CVV. Access your card details anytime, anywhere. Be assured that you will have uninterrupted access to your funds even if your card is lost or stolen.

• Additional Cards Additional Information: An extra card : For an additional cardholder aged 16 or over at no extra cost, provided the account isn't a joint account. Additional card transactions are the responsibility of the primary account holder.

• Balance Transfers Additional Information: 0%�p.a. interest on balance transfers for�24 months. 1% balance transfer fee applies. This�0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. Consider this card with the balance transfer offer if you are looking to save monthly interest and pay off your credit card balances faster. New cards only.

• Interest Free Transfers Additional Information: 0%�p.a. interest on balance transfers for�24 months. 1% balance transfer fee applies. This�0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. Consider this card with the balance transfer offer if you are looking to save monthly interest and pay off your credit card balances faster. New cards only.

• Cashback Offer Additional Information: 10% cashback on supermarket and petrol spend, capped at $500, plus 6.99% p.a. interest on balance transfers for 12 months when requested at card application. The variable cash advance rate will apply after this promotional period. Spend within 180 days from card approval. Based on your requirements your can either choose cashback offer or the balance transfer offer. Consider this card with the cashback offer if you would like to be rewarded for your supermarket and petrol spend. Consider this card with the balance transfer offer if you are looking to save monthly interest and pay off your credit card balances faster. This offer is not available if you've held a BankSA, St.George or Bank of Melbourne credit card in the last 24 months. New cards only.

• Digital Banking Additional Information: Phone and Internet Banking

• Notifications

• Other Additional Information: Feel confident using our cards, with 24/7 fraud monitoring, Secure Online Shopping Service, and the BankSA Fraud Money Back Guarantee.

• Loyalty Program Additional Information: Explore ShopBack offers and earn bonus Cashback when you shop via the BankSA Lounge on ShopBack. Terms & Conditions apply.

• Extra Repayments Additional Information: The product includes extra repayment features.

• Fraud Protection Additional Information: The product includes fraud protection features.

• Instalment Plan Additional Information: The product includes instalment plans.

• Other Additional Information: You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for Purchases, through payment terminals, e.g. at a shop, etc. online, within a mobile app, by telephone, through mail order Withdraw Cash, at an ATM, at a Bank branch.

• Other Additional Information: Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion

• Other Additional Information: Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment device. Entering your PIN. Entering your Card details and any other information required.

• Other Additional Information: Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.

• Other Additional Information: Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically.

• Other Additional Information: Plan&Pay : A Plan&Pay is an instalment plan that helps you split a large eligible Purchase and part or all of your Credit Card balance into manageable instalments. When you set up a Plan&Pay your Card Account balance will be split into: a Plan&Pay Balance ? this will include all of your active Plan&Pays, your Main Account Balance, which is made up of any remaining amounts.

• Other Additional Information: Access to My Offers Hub : My Offers Hub is a collection of offers and discounts available to eligible debit or credit cardholders to thank you for being our customer.

• Other Additional Information: Autopay facility is available. With Autopay, you can choose to pay off your Minimum Payment Due or your full closing balance each month.

• Other Additional Information: Customers can access their eligible BankSA cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.

 Product Eligibility

• Min Age - 18. Additional Information: Aged 18 or over

• Other Additional Information: Australian or New Zealand citizen or hold an acceptable Australian visa, with a minimum of 1 year before expiry

• Other Additional Information: Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)

• Other Additional Information: You?re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)

• Other Additional Information: Have a fixed residential address in Australia

 Bank Fees and Charges

• Annual Card Fee (Periodic), Amount: 55.00.

• Missed Payment Fee (Event), Amount: 15.00.

• Cash Advance Fee (Transaction), Amount: Not Listed..

• Foreign Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: 3% of the Australian dollar value for transactions with merchants based overseas

• Card Replacement Fee (Event), Amount: 0.00. Additional Information: Courier costs may apply

• Overlimit Fee (Event), Amount: 0.00. Additional Information: $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012.

• Copy Of A Sales Voucher (Event), Amount: 10.50.

• Copy Of A Deposit Or Withdrawal Form (Event), Amount: 15.00.

• Balance Transfer Fee (Upfront), Amount: Not Listed.. Additional Information: 0%�p.a. interest on balance transfers for�24 months. 1% balance transfer fee applies. This�0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. Consider this card with the balance transfer offer if you are looking to save monthly interest and pay off your credit card balances faster. New cards only

 Limitations & Restrictions (Constraints)

• Min Limit of 500.00

• Max Limit of 80000.00

 Document Downloads

  bsa-credit-card-terms-and-conditions.pdf (351.7 KB)
  bsa-cc-fee-charges.pdf (1.3 MB)