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Tools, info and FAQs

Credit Cards - Frequently Asked Questions

 

Increase or Decrease your Credit Limit

Your initial Credit Card limit has been set based on our financial calculations. After your account has been opened for 6 months, you can choose to apply for an increase to your card limit. To be eligible for a BankSA Credit Card limit increase you must be the primary or joint cardholder, not an additional cardholder, and have not requested a credit limit increase in the last six (6) months. You can decrease your card limit at any time, by calling 13 13 76, 7.30am to 7.30pm, Monday to Saturday and to connect you faster, say ?Increase Card Limit? when prompted.

To increase your limit,


 

Why should I upgrade to a Gold Card?

Over time, your Credit Card needs can change. A Gold card may be more suitable for you. Unique offers available to Gold cardholders include,

  1. Higher credit Limit ? starting from $5,000
  2. Complimentary Shopping and Travel insurances*

Extended Warranty*

Receive up to 12 months free and automatic extended warranty on the manufacturer?s expressed Australian warranty on most new personal items purchased entirely on your BankSA Gold Credit Card

Overseas Travel Insurance*

Pay your overseas return travel tickets with your BankSA Gold Credit Card and automatically receive up to three months free travel insurance, which includes coverage for such items as overseas medical and hospital expenses, loss or damage to personal items such as luggage and travel documents, unexpected travel accommodation expenses and much more.

Transit Accident Insurance*

When you book and pay for travel with your BankSA Gold Credit Card you are automatically protected against accidental death and injury while riding as a passenger or when boarding or alighting from a plane, tourist bus, train or ferry for up to $250,000.

Purchase Cover*

With most new personal items purchased on your Gold Credit Card, you have the security of knowing they are immediately protected for up to three consecutive months against theft, loss or damage.

How do I apply for an upgrade?

To see if you are eligible for an upgrade to a BankSA Gold card complete the Product Transfer form or call us on 13 13 76 8am - 8pm, seven days a week and to connect you faster, say ?Upgrade My Card? when prompted or visit a BankSA branch to discuss your options.

*Please refer to the Insurance Conditions of Use for details on the above insurances, including how to make a claim and particulars required.


 

Why should I upgrade to a Platinum Card?

If you are seeking a credit card with maximum features and benefits, Platinum card may be more suitable for you. Unique offers available to Platinum cardholders include,

  • Higher starting credit limits
  • Choose Visa or MasterCard, and have access to unique Platinum offers. View Platinum offers for
  • Personal Concierge - Your BankSA Platinum Credit Card also gives you the luxury of your own Personal Concierge Service 24 hours, 7 days a week. Your concierge assists with making dinner reservations for you and your guests, can help in an emergency situation, provide advice on shopping and business services, get tickets for events and entertainment and more.
  • Your Platinum card provides comprehensive insurance cover*.These insurances include:

Overseas Travel Insurance*

Pay for your overseas return travel tickets with your BankSA Platinum Credit Card and automatically receive up to three months free travel insurance, which includes coverage for such items as overseas medical and hospital expense, loss or damage to personal items such as luggage and travel documents, unexpected travel accommodation expense and more.

Domestic Flight Inconvenience Insurance*

When your domestic flight is paid on your BankSA Platinum Credit Card, you and your spouse and any dependent children are covered for the entire holiday. Your Platinum Credit Card ensures you a range of comforts from meals and refreshments for substantial flight delays, to coverage on the loss or damage of personal items, the cancellation of domestic travel arrangements in unforeseen circumstances and more.

Transit Accident Insurance*

When you book and pay for travel with your BankSA Platinum Credit Card, you are automatically protected against accidental death and injury whilst riding as a passenger or when boarding or alighting from a plan, tourist bus, train or ferry for up to $750,000.

Extended Warranty*

You receive up to 12 months free and automatic extended warranty on the manufacturer?s expressed Australian warranty on most new personal items purchased entirely on your BankSA Platinum Credit Card.

Purchase Cover*

With the most new personal items purchased on your Platinum Credit Card, you have the security of knowing they are immediately protected for up to three consecutive months against theft, loss or damage.

Best Price Guarantee*

Shop safely knowing that if you have purchased personal goods with your BankSA Platinum Credit Card, and you see a cheaper advertised price for that product, we will arrange for the difference to be returned to you.

How do I apply for an upgrade?

To see if you are eligible for an upgrade to a BankSA Platinum card complete the Product Transfer form or call us on 13 13 76 between 8am ? 8pm or visit a BankSA branch to discuss your options.

*Please refer to the Insurance Conditions of Use for details on the above insurances, including how to make a claim and particulars required.


 

Add an Additional Cardholder

Share the convenience of your credit card with up to 3 additional cardholders. The additional card(s) will be issued in the additional cardholder?s name with all transactions itemised in one statement, sent to you as the primary account owner. The nominated additional cardholder must be at least 16 years old, and also be an Australian resident. Apply for an additional card by completing this form.


 

Set up an Automatic Payment Plan

  • Why should I set up Automatic Payment Plan?

  • Setting up Automatic Payment Plan is a simple way to ensure you meet your Credit Card repayment by the due date on time each month. You can arrange to have a payment automatically debited electronically from a nominated statement based account with any Australian bank, to your Credit Card.

    There are three payment plans to choose from:

    1. Full monthly payment

    Choose to pay the full amount of your closing balance. You should only choose this option if you are confident there will be sufficient funds in your deposit account each month to cover your full credit card balance.

    2. Minimum Monthly payment

    Choose this option to automatically pay just the minimum payment due. It is an ideal way of ensuring your account stays in good order and leaves you the flexibility to make additional payments at any time.

    3. Fixed monthly payment

    Choose to pay a set amount each month.

  • How do I set up Automatic Payment Plan?

  • To set up this service, complete this form or call us at 13 13 76, 7.30am to 7.30pm, Monday to Saturday.


 

Learn about Instant Benefits

With the Instant Benefits program, you can enjoy great discounts all year round at a range of fantastic partners. Instant Benefits is a complimentary program available to all Vertigo, No Annual Fee, Gold Low Rate and Platinum customers. Simply use your BankSA credit card and choose from a range of offers, including entertainment, leisure experiences, shopping, and wine discounts.

Instant Benefits is not a points program, so these great savings are automatically available when you use your BankSA Credit Card with our partners. Treat yourself and your loved ones and enjoy the savings today!

More on Instant Benefits.


 

Credit Card Protection

Why take up credit card protection?

A credit card protection package* is an optional cover available to you, only with a new BankSA credit card. This covers your credit card payments in the event that you pass away, fall ill, have an accident or lose your job, so you and your family do not have to worry about how you will make the credit card payment during these times. For more information or to apply, call us on 13 13 76, 7.30am to 7.30pm, Monday to Saturday.

*Conditions, limits and exclusions apply to credit card protection cover, details of which are explained in the policy wording and Product Disclosure Statement (PDS) for BankSA Credit Card Protect, which can be obtained from any of our branches. You should review the PDS and consider your own individual financial circumstances, objectives and needs before deciding to hold or acquire credit card protection cover. BankSA - A Division of Westpac Banking Corporation distributes this insurance acting under its own Australian Financial Services Licence as agent for Swann Insurance (Aust) Pty Ltd and St.George Life Limited (Insurers) and not as your agent. Swann Insurance and St.George Life each take full responsibility for the PDS. However, they are not responsible or liable to you for the insurance cover provided by the other. BankSA - A Division of Westpac Banking Corporation does not, nor do any of its related bodies corporate (as defined in the Corporations Act 2001 (Cth)) other than the insurer, St.George Life Limited, guarantee payment of any policy benefits.


 

Your Credit Card Security

Protecting you against fraud.

To maximise the security of your new BankSA Credit Card, we use the Falcon Fraud system that verifies your Credit Card transactions. We will protect you against unauthorised transactions provided you have not caused or contributed to the loss.

Fraud check:

We may call you from time to time to ensure that the transactions we are seeing on your account are genuine. We do this to help protect your card security.

What I can do to keep your Card secure?

Here are some tips to help prevent fraud or unauthorised transactions on your account;

  • Never tell anyone your PIN or carry it with you.
  • Keep your card safe at all times
  • Check your statement when it arrives immediately and query unknown purchases.
  • Save the lost and stolen contact number into your mobile and in your diary or travel documents when travelling abroad (1800 028 208 or if you are overseas, +612 95532 5883) and report your card lost or stolen immediately
  • Only shop from reputable or recommended online stores. Read more about Secure Online Shopping
  • Ensure your contact details with us are up to date so that we can contact you immediately if we suspect you are a victim of fraud.


 

Lost/Stolen Cards

Please notify us immediately of the loss or theft of your BankSA Credit Card. To report, call us on

  • Australia 1800 028 208
  • Overseas +61 2 9553 5883
  • 24 hours a day 7 days a week.


 

Change your PIN

You can change your Credit Card PIN at any time. To change your PIN, simply visit one of our BankSA branch with your card.


 

BankSA is committed to providing excellent service. We are always looking at ways to improve, so your feedback is invaluable.Provide Feedback.


 

Credit Card Common Forms, Contact numbers and Documents

Forms
Additional Credit Card Form Add an additional cardholder to your BankSA Credit Card account.
Balance Transfer Request Form
For existing customers		 Transfer your balances from other credit and store cards to your BankSA Credit Card.
Balance Transfer Calculator.
Automatic Payment Plan Form Set up a direct debit from your nominated bank account.
Card Limit Increase Form Use this form to increase your Credit Card limit.
Upgrade your credit card Form Upgrade Gold or Platinum card or change over to another BankSA Credit Card.
Phone Numbers
1800 028 208 24 hours, 7 days+61 2 9553 5883 (overseas) Report a lost or stolen Credit Card.
13 13 76 8am - 8pm, seven days To connect you faster for existing Credit Card enquiries, say ?Existing Card? or to apply for a new Credit Card, say ?New Card? when prompted.
BankSA contact directory
Credit Card Documents
Credit Card Condition of Use
Credit Card Insurance Condition of Use
Interest Rates
Credit Card Fees and Charges


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