Rating based on 82 reviews



  • Earn bonus points
  • Balance transfer options
  • Low-interest starting from 19.74%

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BankSA homepage

Author BankSA. Screenshot of BankSA website. [Accessed September 14, 2021]

About BankSA

The history of BankSA began in 1848 when we opened our first branch in South Australia. Over the years, we grew and became one of the main driving forces of the local economy.

We continued to introduce the latest innovations in banking and finance. At present, we are the largest financial institution in the state. We are the leading provider of personal finance products and services, home loans and rural banking solutions.

2008 was an important year for BankSA

Back then we joined the Westpac family along with St. George. This has enabled us to expand our operations and to refine our products and services even further offer low rate credit cards and other competitive products.

We have always been committed to building partnerships with our customers and with the communities where we have operations. We are among the main sponsors of various state events. We make donations to some 100 charities in South Australia and the Northern Territory.

BankSA Services

At BankSA, we have always worked towards designing products and services which meet perfectly the ever-changing needs of our clients.

That is why we offer a variety of credit cards to match the needs and requirements of virtually any individual and household.

We offer it all

You simply need to compare the options available to you and pick the one which suits you best. With every card, you can expect to get a competitive interest rate, fair and reasonable fees and charges and a range of extra benefits. We also have low rate personal loans for those who may not qualify for a credit card.

Low rate credit cards

You can opt for a card with no annual fee to keep fixed costs down. Our cards with reward programs can help you save money on many things from travel to gifts.

The more you spend, the more reward points you will learn. As you keep generating reward points, you will be eligible for even better deals with greater discounts.

BankSA Credit card

  • Loan Type Credit cards
  • Interest Rate from 19.74%

Benefits of BankSA

  • Interest-free periods
  • Get rewards on everyday spending
  • Membership benefits

BankSA Credit Cards - The all-in-one Credit Card Package

At BankSA in Australia, our business is knowing what your needs are, and having a passion for our customers best interests. When it comes to getting a credit card, BankSA is the place to go to.

Competitive rates

Our low rate credit card options offer incredibly competitive rates, low fees and rewards every time you swipe. For our existing customers, you can enjoy a whole year without annual fees. This is just one of the benefits of being a BankSA client in Australia.

Credit card limits are given at the point of credit application, depending on your financial wellbeing, and can be increased should you need a higher credit limit for travelling or can ensure that you are eligible to pay it off comfortably.

Increase your credit limit

After 6 months of opening your credit card account, you have the option of applying for a credit increase.

Should you meet the criteria of financial stability and managing our credit card payments in an orderly manner, we will gladly increase your credit on your credit card.

Here for support

Our call centre is equipped with experienced and knowledgeable staff on hand when you need assistance. You also have the option of managing your credit card account online.

Keep updated on your credit balances, payments and get all the up to date value adds as they come in. Be the first to know about new and exciting credit and quick loan offers we continuously give our clients.

Easy, quick and customer friendly processes

We have many years of experience in the Australian financial industry to offer advice to our clients on responsible lending. Get the convenience of low fees and interest rates, the ability to apply for your credit card online or over the phone at your convenience. 

Customer Reviews & Testimonials

March 2019

At BankSA you can expect their credit card to come with a competitive interest rate, reasonable fees and a range of additional benefits. I just love their credit products!

Andrew L
— Canberra —

April 2019

BankSA offers a credit card option that has no annual fee and keeps costs to a serious low. Their rewards programs helped me to save money and earn points to spend on whatever my heart desires.

Betty M
— Bathurst —

BankSA Contact

Contact Number


  • not available


Physical Address

Postal Address

  • GPO Box 399, Adelaide, South Australia, 5001, Australia

Opening Hours

  • Monday 09:30 – 16:00
  • Tuesday 09:30 – 16:00
  • Wednesday 09:30 – 16:00
  • Thursday 09:30 – 16:00
  • Friday 09:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed