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BankSA Amplify Credit Card
BankSA Amplify Credit Card

BankSA Credit Cards

BankSA Amplify Credit Card

Updated 19 November 2019

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. Add one free additional cardholder.

T&Cs apply. Offer ends 12 February 2020

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

  • $79 annual card fee
  • Up to 55 days interest free on purchases
  • 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
  • Eligible with Samsung Pay & Google Pay

  • High purchase rate of 19.74% p.a.

Creditcard.com.au review

Editor Review

BankSA Amplify Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

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.

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 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 and a few handy features.

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.

Cash advance rate 21.49% p.a.

Interest free period 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 Rewards points 1 point per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Eligible with Samsung Pay & Google Pay

Overview

BankSA Amplify Credit Card

Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

Key features

  • $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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