Put in an application for the BankSA card. So far, it has been very painful. The staff don't know even basics (did not understand dividends/shares - I had to spell the terms to them). They were also confused by salary sacrifice, non-profit organisation benefits, etc. I have had to call them multiple times, and supply as much paperwork as a home loan. Application lodged almost a month ago, and it's still ongoing. Wouldn't have bothered if I had known how painful it would be (and no result either way, as yet).