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BankSA Amplify Credit Card

2 reviews

Apply by 2 October 2019

BankSA Amplify Credit Card
points over 12 months Calculate your savings icon

Earn rate per $1

1 point
16.77% Complete (success)
Amplify Rewards

Bonus points

N/A
% Complete (success)

Annual fee

$79
p.a.
79% Complete (success)

Pros

0% p.a. for 14 months on purchases

Choose from the Amplify Rewards or Qantas Frequent Flyer program to earn rewards points.

Uncapped points earn

Cons

High standard ongoing purchase rate of 19.74% p.a.

BankSA Amplify Credit Card

0% p.a. for 14 months on purchases. Reverts to 19.74% p.a. Choose from the Amplify Rewards or Qantas Frequent Flyer program to earn rewards points. Earn 1 Amplify point for every $1 spent or 0.5 points Qantas points for every $1 spent on all eligible purchases, uncapped. Get up to 55 days interest free on purchases and one free additional cardholder. $79 annual card fee. Offer ends 2 October 2019.

Key features

  • 0% p.a. for 14 months on purchases. Reverts to 19.74% p.a. on purchases
  • $79 annual card fee
  • Get up to 55 days interest free
  • One free additional cardholder
  • Choose from the Amplify Rewards or Qantas Frequent Flyer program
  • Amplify Rewards: Earn 1 Amplify point per $1 spent on all eligible purchases, uncapped.
  • Amplify Qantas: Earn 0.5 Qantas points per $1 spent on all eligible purchases, uncapped
100% of customers who have rated this card would recommend it
  • Rates
    21%
  • Fees
    87%
  • Rewards
    68%
  • Customer Service
    81%
  • Value
    0%
Overall user rating 64%
2 reviews

64% Gabriella

I chose Qantas points but you can also choose Amplify points instead. Gives you free Qantas membership. Good for balance transfers. Annual fee is cheap for a rewards card. Gave my partner a card because it was free and he can help me earn more points.

Recommends this card

Interest Rates
Purchase rate 19.74% p.a.
Introductory purchase rate 0% p.a. for 14 months
Cash advance rate 21.49% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $1,000
Maximum credit limit $25,000
Fees & repayments
Annual fee $79 p.a.
Additional cardholder fee $0 p.a.
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $15
Credit card type Visa
Rewards program
Rewards program Amplify Rewards Amplify Rewards
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Amplify points 1 point per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No

The BankSA Amplify Credit Card

If you love your credit card but you’re not so keen on the rewards program it offers, it may be worth your while to check out the BankSA Amplify Credit Card to see if it’s right for you.

With some pretty decent features on the table, the BankSA Amplify Credit Card is a rewards card that lets you choose between two rewards programs, so you can really make the most of your credit card spending.

Want to find out more? Come with us as we dig deeper into what’s on offer, to see if this lovely little card really is the right option for you.

What we love...

While most cardholders probably choose the BankSA Amplify Credit Card for its rewards programs and extra features, it now has something else to offer.

Providing an extremely long purchase offer, this card is currently offering 0% p.a. on purchases for 14 months. So, if you need to make larger purchases and need more time to pay them off, this card could help you do that.

Now, on to some of the card’s other redeeming features. Unlike many other rewards cards, the BankSA Amplify Credit Card lets you choose between two rewards programs, to earn either Amplify Rewards Points or Qantas Points.

If you opt for the Qantas program, you could earn 0.5 Qantas Points per $1 spent on eligible purchases, with no points capping. On purchases made with Qantas partners, you could even earn double points – once with your card and once with the program partner.

These points could be spent on merchandise, gift vouchers or experiences in the Qantas Store, or redeemed with Qantas or one of its 35 partner airlines for flights and upgrades.

If you’d prefer to be on the Amplify program, you could earn 1 point per $1 spent on eligible purchases, again with no points capping.

Your points could be used to buy gift cards, retail vouchers, homewares or tech, or you could redeem them on frequent flyer programs such as Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs.

What’s not so great...

While there is a lot to love on this card, there are certain drawbacks new cardholders will have to keep in mind. For example, on the Qantas program, the earn rate provides just 1 Qantas Point per $2 spent. That means you’ll have to spend big to see your points total grow.

Why should you choose this card?

With that in mind, you could make this card work for you. You’ll pay a reasonable annual fee for a rewards card and the annual fee is waived for the first year, and you can benefit from extra features such as up to 55 days interest free on purchases, and one free additional cardholder.

As with any credit card, it’s all about balance. You simply need to weigh up what you’re getting out of the card in features and rewards, compared to what you are putting in, in fees and interest.

Overall Rating

An affordable rewards card that provides two rewards programs to choose from, a few handy features and an excellent 14-month 0% p.a. purchase offer. Offer ends 2 October 2019.

5 questions (showing the latest 10 Q&As)

Robert Olsen

Robert Olsen

9 December 2018
I signed up for a 0% on purchases for 14 monthsAmplify credit card in October 2018 - this is not clear on my statement and is stating that IF I DO NOT PAY THE TOTAL BALANCE I WILL BE CHARGED INTEREST OF 19% - According to the promotion - I will be charged 0% on purchases... can you please clarify your conditions as I am selling my house and simply signed up to complete the reno's as we did not have the cash - If I am now hit with interest on purchases I will not be happy and find this promotion to be MISS LEADING - thanks in advance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 December 2018
    Hi Robert, this offer is clear. There is an intro rate on purchases of 0% for the first 14 months from card approval. You will still need to make the minimum monthly payments of 2% of the balance. Even in the interest free period. Sometimes the statement may not fully represent the offer that has been received. If you have concerns give BankSA Amplify credit card customer service a call on 13 13 76.
Charli

Charli

11 November 2018
Is there any minimum term I need to hold a credit card for? Can I apply, use the card, pay off the balance then cancel nce the interest free period expires?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 November 2018
    Hi Charli, there is no minimum period that you are required to keep a credit card. You can cancel at any time as long as you can pay off the balance in full.
Liam

Liam

17 January 2018
Can i transfer balance from a personal loan?
Elizabeth

Elizabeth

4 October 2016
Roland I have a BOQ Platinum card with over 800,000 points. How can I find out where and how I can fly to. Their web site is not particularly user friendly. Seems that I have to book a flight to get any info.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 October 2016
    Hi Elizabeth, you go to the rewards site (which I think you have found) https://www.boqrewards.com/welcome.htm. 800,000 points sounds like a good amount. The amount of points you use for flights will vary all the time depending on availability, time or year and naturally destination. Think of somewhere you would like to go, then do a search for the trip to see how much it costs. I find that looking 6 months+ into the future get cheaper flights.
Manel

Manel

30 June 2016
Can the Credit Card balances of Westpac, Bank of Melbourne and CBA (3 cards) transferred ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 June 2016
    Hi Manel, BOM is part of the St George group therefore cannot be transferred. CBA and even Westpac (even though Westpac own BankSA but they are issued seperately) are possible subject to credit approval. Based on your 3 cards that you wish to transfer (a balance transfer needs to be between different banks), I would look at the NAB range of 0% offers that are in market. Citi issued cards could also be an option such as the Virgin no annual fee.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian permanent resident
  • Minimum income of $25,000 p.a.
  • You have your personal details ready to complete the online application
BankSA Amplify Credit Card
BankSA Amplify Credit Card

BankSA Credit Cards

BankSA Amplify Credit Card

Updated 1 July 2019

Apply by 2 October 2019

Points Earn Rate (per $1 spent)

1

point

Amplify

Rewards Program

Amplify Rewards

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 0% p.a. for 14 months on purchases
  • Choose from the Amplify Rewards or Qantas Frequent Flyer program to earn rewards points.
  • Uncapped points earn

  • High standard ongoing purchase rate of 19.74% p.a.

Creditcard.com.au review

Editor Review

The BankSA Amplify Credit Card

If you love your credit card but you’re not so keen on the rewards program it offers, it may be worth your while to check out the BankSA Amplify Credit Card to see if it’s right for you.

With some pretty decent features on the table, the BankSA Amplify Credit Card is a rewards card that lets you choose between two rewards programs, so you can really make the most of your credit card spending.

Want to find out more? Come with us as we dig deeper into what’s on offer, to see if this lovely little card really is the right option for you.

What we love...

While most cardholders probably choose the BankSA Amplify Credit Card for its rewards programs and extra features, it now has something else to offer.

Providing an extremely long purchase offer, this card is currently offering 0% p.a. on purchases for 14 months. So, if you need to make larger purchases and need more time to pay them off, this card could help you do that.

Now, on to some of the card’s other redeeming features. Unlike many other rewards cards, the BankSA Amplify Credit Card lets you choose between two rewards programs, to earn either Amplify Rewards Points or Qantas Points.

If you opt for the Qantas program, you could earn 0.5 Qantas Points per $1 spent on eligible purchases, with no points capping. On purchases made with Qantas partners, you could even earn double points – once with your card and once with the program partner.

These points could be spent on merchandise, gift vouchers or experiences in the Qantas Store, or redeemed with Qantas or one of its 35 partner airlines for flights and upgrades.

If you’d prefer to be on the Amplify program, you could earn 1 point per $1 spent on eligible purchases, again with no points capping.

Your points could be used to buy gift cards, retail vouchers, homewares or tech, or you could redeem them on frequent flyer programs such as Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs.

What’s not so great...

While there is a lot to love on this card, there are certain drawbacks new cardholders will have to keep in mind. For example, on the Qantas program, the earn rate provides just 1 Qantas Point per $2 spent. That means you’ll have to spend big to see your points total grow.

Why should you choose this card?

With that in mind, you could make this card work for you. You’ll pay a reasonable annual fee for a rewards card and the annual fee is waived for the first year, and you can benefit from extra features such as up to 55 days interest free on purchases, and one free additional cardholder.

As with any credit card, it’s all about balance. You simply need to weigh up what you’re getting out of the card in features and rewards, compared to what you are putting in, in fees and interest.

Overall Rating

An affordable rewards card that provides two rewards programs to choose from, a few handy features and an excellent 14-month 0% p.a. purchase offer. Offer ends 2 October 2019.

User reviews

BankSA Amplify Credit Card ( based on 2 Creditcard.com.au user reviews )

64% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value
64%

Gabriella

28 January 2013

I chose Qantas points but you can also choose Amplify points instead. Gives you free Qantas membership. Good for balance transfers. Annual fee is cheap for a rewards card. Gave my partner a card because it was free and he can help me earn more points.

Recommends this card

Rates and fees

Interest rates

Purchase rate 19.74% p.a.

Introductory purchase rate 0% p.a. for 14 months

Cash advance rate 21.49% p.a.

Interest free on purchases up to 55 days

Credit limits

Minimum credit limt $1,000

Maximum credit limit $25,000

Fees & repayments

Annual fee $79 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Amplify Rewards Amplify Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Amplify pointsAmplify points 1 point per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Overview

BankSA Amplify Credit Card

0% p.a. for 14 months on purchases. Reverts to 19.74% p.a. Choose from the Amplify Rewards or Qantas Frequent Flyer program to earn rewards points. Earn 1 Amplify point for every $1 spent or 0.5 points Qantas points for every $1 spent on all eligible purchases, uncapped. Get up to 55 days interest free on purchases and one free additional cardholder. $79 annual card fee. Offer ends 2 October 2019.

Key features

  • 0% p.a. for 14 months on purchases. Reverts to 19.74% p.a. on purchases
  • $79 annual card fee
  • Get up to 55 days interest free
  • One free additional cardholder
  • Choose from the Amplify Rewards or Qantas Frequent Flyer program
  • Amplify Rewards: Earn 1 Amplify point per $1 spent on all eligible purchases, uncapped.
  • Amplify Qantas: Earn 0.5 Qantas points per $1 spent on all eligible purchases, uncapped

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian permanent resident

  • Minimum income of $25,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

5 questions (showing the latest 10 Q&As)

Robert Olsen

Robert Olsen

9 December 2018
I signed up for a 0% on purchases for 14 monthsAmplify credit card in October 2018 - this is not clear on my statement and is stating that IF I DO NOT PAY THE TOTAL BALANCE I WILL BE CHARGED INTEREST OF 19% - According to the promotion - I will be charged 0% on purchases... can you please clarify your conditions as I am selling my house and simply signed up to complete the reno's as we did not have the cash - If I am now hit with interest on purchases I will not be happy and find this promotion to be MISS LEADING - thanks in advance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 December 2018
    Hi Robert, this offer is clear. There is an intro rate on purchases of 0% for the first 14 months from card approval. You will still need to make the minimum monthly payments of 2% of the balance. Even in the interest free period. Sometimes the statement may not fully represent the offer that has been received. If you have concerns give BankSA Amplify credit card customer service a call on 13 13 76.
Charli

Charli

11 November 2018
Is there any minimum term I need to hold a credit card for? Can I apply, use the card, pay off the balance then cancel nce the interest free period expires?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 November 2018
    Hi Charli, there is no minimum period that you are required to keep a credit card. You can cancel at any time as long as you can pay off the balance in full.
Liam

Liam

17 January 2018
Can i transfer balance from a personal loan?
Elizabeth

Elizabeth

4 October 2016
Roland I have a BOQ Platinum card with over 800,000 points. How can I find out where and how I can fly to. Their web site is not particularly user friendly. Seems that I have to book a flight to get any info.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 October 2016
    Hi Elizabeth, you go to the rewards site (which I think you have found) https://www.boqrewards.com/welcome.htm. 800,000 points sounds like a good amount. The amount of points you use for flights will vary all the time depending on availability, time or year and naturally destination. Think of somewhere you would like to go, then do a search for the trip to see how much it costs. I find that looking 6 months+ into the future get cheaper flights.
Manel

Manel

30 June 2016
Can the Credit Card balances of Westpac, Bank of Melbourne and CBA (3 cards) transferred ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 June 2016
    Hi Manel, BOM is part of the St George group therefore cannot be transferred. CBA and even Westpac (even though Westpac own BankSA but they are issued seperately) are possible subject to credit approval. Based on your 3 cards that you wish to transfer (a balance transfer needs to be between different banks), I would look at the NAB range of 0% offers that are in market. Citi issued cards could also be an option such as the Virgin no annual fee.

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