Provider
LiveBankSA
As of 18 September 2026, BankSA has 15 products across five of the 8 pillars BankMate tracks: 1 savings account, 5 credit cards, 5 home loans, 1 term deposit and 3 personal loans. Its highest-placed product is Amplify Qantas Signature at $905 net bonus, 2nd of 51 bonus cards. Its rates last moved on 31 August 2026.
- Pillars
- 5 of 8
- No superannuation, share trading, crypto exchange
- Products tracked
- 15
- 1 savings account · 5 credit cards · 5 home loans
- Highest placed
- #2
- Amplify Qantas Signature · of 51 bonus cards
- Last change
- 31 Aug 2026
- 5 changes on record
What changed
5 changes across 2 pillars since 1 Mar 2026- Savings accountsIncentive Saver 5.15 → 5.15Base 0.10% → 0.01%, bonus 5.05% → 5.14%0.00
- Term depositsTerm Deposit · 9 terms cut 0.25 to 0.50mixed
- Savings accountsIncentive Saver 4.90 → 5.15Bonus rate 4.80% → 5.05% · 9 days after the RBA rise to 4.35%+0.25
- Term depositsTerm Deposit · 12-month 3.95 → 5.0037 days after the RBA rise to 4.10%+1.05
- Savings accountsIncentive Saver 4.65 → 4.90Bonus rate 4.55% → 4.80% · 9 days after the RBA rise to 4.10%+0.25
Savings accounts · 1
Total rate, conditions met · ranked among 94 accountsBalance must grow · bonus up to $1m
5.15%#29 of 940.01% base + 5.14% bonus
- Balance growth
- $50/month
- Balance range
- $0 - $1,000,000
- Age
- 14+ years
Full savings accounts record for BankSA →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for BankSA · Compare all savings accounts
Credit cards · 5
Ranked by bonus net of first-year fee · of 51 bonus cardsQantas Frequent Flyer · 2
0.5 Qantas Frequent Flyer pts per $ · $295 fee · domestic lounges
$905#2 of 51150,000 pts ≈ $1,200 · 90k in year 1
- Annual fee
- $295
- Rewards program fee
- $75
- Additional cardholder
- Free
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.5 Qantas Frequent Flyer pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.
100,000 pts ≈ $800 · 70k in year 1
- Annual fee
- $175
- Rewards program fee
- $75
- Additional cardholder
- Free
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.35 Qantas Frequent Flyer pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
70,000 Qantas Points in year 1 if you spend $4k+ on eligible purchases?
Amplify Rewards Points · 2
1 Amplify Rewards Points pts per $ · $295 fee, $199 in year 1 · domestic lounges
$801#7 of 51200,000 pts ≈ $1,000 · 100k in year 1
- Annual fee
- $295
- First-year fee
- $199
- Additional cardholder
- Free
- Rewards program
- Amplify Rewards Points
- Base earn rate
- 1 Amplify Rewards Points pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases and an extra 100,000 points with $12k+ spend on eligible purchases in year 2.
100,000 pts ≈ $500 · 75k in year 1
- Annual fee
- $175
- First-year fee
- $99
- Additional cardholder
- Free
- Rewards program
- Amplify Rewards Points
- Base earn rate
- 1 Amplify Rewards Points pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
75,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases?
Amplify Rewards · 1
$450 value
- Annual fee
- $84
- Monthly fee
- $7
- Additional cardholder
- Free
- Rewards program
- Amplify Rewards
- Purchase rate
- 13.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Up to $450 cashback - Get $75 cashback for each month you spend $1k or more on eligible purchases in the first 6 months from card approval.
Full credit cards record for BankSA →
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Home loans · 5
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 4
Variable · P&I · Owner-occupier · 70–80% LVR · redraw · no ongoing fee · 11 variants
6.40%#47 of 107comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- No
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 11 variants
8.94%#102 of 107comparison · 8.80% advertised
- Application fee
- $600
- Ongoing fee
- $33 a month
- Discharge fee
- $350
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · ≤70% LVR · 2 variants
9.11%#54 of 68comparison · 9.29% advertised
- Application fee
- $600
- Ongoing fee
- $8 a month
- Discharge fee
- $350
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · ≤70% LVR · 2 variants
9.11%#54 of 68comparison · 9.29% advertised
- Application fee
- $600
- Ongoing fee
- $8 a month
- Discharge fee
- $350
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Fixed · 1
5yr Fixed · P&I · Owner-occupier · ≤70% LVR · redraw · 55 variants
1y 8.70%2y 8.47%3y 8.34%4y 8.23%5y 8.10%8.00%#44 of 49comparison · 6.89% advertised
- Application fee
- $600
- Ongoing fee
- $33 a month
- Discharge fee
- $350
- Package annual fee
- $395 a year
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Full home loans record for BankSA →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest at maturity or monthly or annually · from $0 · 12 terms
3 mo 3.40%6 mo 3.55%9 mo 3.70%1 yr 4.75%2 yr 4.50%4.75%#291 of 5901 year
- 3 months
- 3.40% · #278 of 369
- 6 months
- 3.55% · #452 of 547
- 9 months
- 3.70% · #324 of 500
- 1 year
- 4.75% · #291 of 590
- 2 years
- 4.50% · #196 of 394
- Minimum deposit
- $0
- Interest paid
- At maturity or Monthly or Annually
- Early withdrawal
- Not allowed
Full term deposits record for BankSA →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 3
Comparison rate · ranked within unsecured or secured loansUnsecured · 2
Unsecured · fixed · car loan · $250 application · $15/mo
8.41%#86 of 212comparison · from 7.00% advertised
- Advertised rate
- from 7.00% p.a.
- Comparison rate
- 8.41% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- $15
- Annual fee
- None
- Early repayment fee
- $150
- Loan amount
- $2,000 – $50,000
- Loan term
- 1 year to 7 years
Unsecured · variable · car loan · $250 application · $15/mo
8.41%#86 of 212comparison · from 7.00% advertised
- Advertised rate
- from 7.00% p.a.
- Comparison rate
- 8.41% p.a.
- Rate type
- Variable
- Application fee
- $250
- Monthly fee
- $15
- Annual fee
- None
- Early repayment fee
- $150
- Loan amount
- $2,000 – $50,000
- Loan term
- 1 year to 7 years
Secured · 1
Secured · fixed · car loan · $250 application · $15/mo
7.90%#18 of 48comparison · from 6.49% advertised
- Advertised rate
- from 6.49% p.a.
- Comparison rate
- 7.90% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- $15
- Annual fee
- None
- Early repayment fee
- $150
- Loan amount
- $10,000 – $130,000
- Loan term
- 1 year to 7 years
Full personal loans record for BankSA →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
BankSA has no superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on BankSA
to leave a note.