BankSA offers a range of credit cards with features that cater to different spending habits and consumer needs.

Customers looking to save on fees, earn rewards or frequent flyer points, or manage existing debts more effectively may check out the bank's credit card offerings.

What are the credit cards available at BankSA?

Some of the bank's credit cards come in Platinum and Signature options, both offering bonus points on sign-up and ongoing points for every dollar spent. The Signature cards provide higher credit limits and additional benefits like lounge passes at higher annual fees.

BankSA's Vertigo card features a low rate and low annual fee, while its no-frills card offers standard features ideal for an everyday card at a $0 annual fee.

Key features and fees associated with BankSA credit cards

Amplify Rewards Points Platinum Credit Card

Ideal for consumers looking to earn points on their purchases. Points may be redeemed for gift cards, shopping, and flights. Cards must be linked to the user's Amplify Rewards account to earn points.

• Unique features: Uncapped and never-expiring points on purchases; up to 1 point/dollar spent on eligible purchases

• Initial credit limit: $6,000

• Annual fee: $124

• Cash advance: 3% of the amount

• International transaction fee: 3% of the AUD value

• Interest-free period: Up to 55 days

• Bonus: 100,000 Amplify Points when spending criteria are met, complimentary insurances, cashback

Amplify Qantas Platinum Credit Card

Best for credit card users who want to earn points for Qantas Flyer rewards on every eligible purchase. Points can be redeemed for domestic or international flights, flight upgrades, and merchandise from the Qantas Marketplace.

• Unique features: Earn x2 points on purchases with Qantas Frequent Flyer Program partners

• Initial credit limit: $6,000

• Annual fee: $124

• Cash advance fee: 3% of the amount

• International transaction fee: 3% of the AUD value

• Interest-free period: Up to 55 days

• Bonus: Up to 70,000 Qantas Points when spending criteria are met, complimentary insurances, cashback

Vertigo Low Rate Credit Card

Suitable for consumers seeking an all-around credit card with a low rate on purchases and a low annual fee. Its low minimum credit limit also makes it ideal for new credit card users or those who want to control their spending.

• Unique features: Choose between a card with a cashback offer on supermarket and petrol spend or a card with 0% p.a. interest on balance transfers

• Initial credit limit: $500

• Annual fee: $55

• Cash advance fee: 3% of the amount

• International transaction fee: 3% of the AUD value

• Interest-free period: Up to 55 days

• Bonus: Cashback on purchases at BankSA Lounge on ShopBack

No Annual Fee Credit Card

A basic credit card ideal for everyday use. It's best for those looking to minimise fees and can commit to paying off their purchases every month. On the other hand it carries the highest interest rate among BankSA's credit cards.

• Unique features: No annual fee

• Initial credit limit: $500

• Annual fee: $0

• Cash advance fee: 3% of the amount

• International transaction fee: 3% of the AUD value

• Interest-free period: Up to 55 days

• Bonus: Cashback on purchases at BankSA Lounge on ShopBack

The abovementioned details are correct at the time of writing and are subject to change.

How to apply for a BankSA credit card

Would-be BankSA credit card holders can apply online, over the phone, or in-branch. Wherever and however an applicant chooses to complete their application, it's a good idea to compare the credit cards first.

Once a suitable card is selected, new customers must fill out an application form and gather all the necessary documents and information for their application. Existing customers, on the other hand, may simply log on and apply via the BankSA app or website.

To be eligible, applicants must be aged 18 years or over, and have a permanent residency in Australia or New Zealand or hold an acceptable visa. The bank also requires applicants to present documents that prove they have a verifiable taxable income and an address in Australia.

Here's a list of documents required:

• Proof of identity (passport, driver's licence, birth certificate, Medicare card, NSW photo card)

• Proof of income (two recent payslips for employed; last two months' business bank statements and last year's Notice of Assessments for self-employed)

• List of liabilities (existing debts)

• List of ongoing expenses

• Frequent flyer number (if applying for Amplify Qantas credit cards)

• Foreign tax identification number (for foreign applicants)

Applicants will then need to consent to a credit check, submit all required documents, and wait for approval.

BankSA offers detailed guidance on its website, so it's best to check it or contact the bank's customer support for assistance and other enquiries.