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Up to 70k Spend $3k within the first 90 days (60,000 points) in year 1, make an eligible purchase in year 2 (10,000 points)
BankSA Amplify Platinum Credit Card – Qantas
BankSA Amplify Platinum Credit Card – Qantas

BankSA Credit Cards

BankSA Amplify Platinum Credit Card – Qantas

Updated 12 June 2024

Earn 60,000 bonus Qantas points in year 1 when you spend $3,000 within 90 days of card approval, plus an extra 10,000 points after your first eligible purchase in year 2. Save with a reduced $99 annual fee and 0% p.a. for 24 months on balance transfers (1% balance transfer fee applies). Earn 0.5 Qantas Points per $1 spent*. Get up to 3 months of complimentary overseas travel insurance. Apply by 31 July 2024.

Points Earn Rate (per $1 spent)

0.5 points

Capped at $100,000 per year. Bonus Qantas Points excluded in the cap.

Rewards Program

Qantas Frequent Flyer

Bonus Points

Up to 70k pts

Spend $3k within the first 90 days (60,000 points) in year 1, make an eligible purchase in year 2 (10,000 points)

Pros and cons

  • Earn up to 70,000 bonus Qantas points—60,000 points when you spend $3,000 on eligible purchases within 90 days of card approval, plus 10,000 points after your first eligible purchase in year 2
  • 0% p.a. for 24 months on balance transfers requested at card application. Rate then switches to variable cash advance rate. 1% balance transfer fee applies.
  • Discounted annual fee of $99 for the first year, then $124 p.a. thereafter
  • Earn 0.5 Qantas Points per $1 spent on eligible purchases up to a maximum of $100,000 spent on eligible purchases per year*.
  • Complimentary Qantas Frequent Flyer membership
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • There are higher Qantas Frequent Flyer points earn rates on other cards
  • $75 Annual Qantas Rewards Program fee

Creditcard.com.au review

Editor Review

BankSA Amplify Platinum Credit Card – Qantas

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The BankSA Amplify Platinum Credit Card - Qantas

⚠ Important changes to BankSA's credit card rates: From 4 July 2024, BankSA's credit card rates will increase. A summary of the upcoming pricing changes can be found here.

Earning points on the Qantas Frequent Flyer program, the BankSA Amplify Platinum Credit Card offers great everyday earning and a nice selection of platinum perks, including complimentary insurance cover. Cardholders can enjoy all that, plus enticing introductory offers - up to 70,000 bonus Qantas Points (minimum spend applies), 0% p.a. for 24 months on balance transfers, plus a discounted first-year annual fee of $99.

Point calculations are accurate as of 18 March 2024 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official BankSA page for the updated calculations.

What we love...

Looking first to the card’s introductory offer, the BankSA Amplify Platinum Credit Card is currently offering up to 70,000 bonus Qantas Points to new cardholders who apply and are approved by 31 July 2024. To be eligible for this nice little bonus, simply spend $3,000 on eligible purchases within 90 days of card approval to earn 60,000 points, then keep your account open for more than 12 months and continue to use the card to get an additional 10,000 points.

Once you meet that minimum spend, your bonus points will be credited to your account within 12 weeks. You are then free to do as you like with them. Perhaps you want to jet away, redeeming 31,500 Qantas Points to fly from Perth to Singapore, one way. Or maybe it’s time for a shopping spree. For 51,850 Qantas Points, you could get your hands on a $250 digital gift card for JB Hi-Fi.

Putting bonus points aside, the BankSA Amplify Platinum Credit Card makes everyday earning easy. Allowing you to earn points on the incredibly popular Qantas program, the card keeps it simple with an earn rate of 0.5 Qantas Points per $1 on all eligible purchases capped at $100,000 per year (Bonus Qantas Points are excluded in the cap). You can also earn extra points on Qantas purchases – once with your card and once with the program partner.

With a host of Qantas rewards at your fingertips, you could choose to redeem your points for flights and upgrades with Qantas and its plentiful airline partners, pick up a tipple or two from Qantas Wine, or shop online at the Qantas Store, swapping those hard-earned points for kitchen appliances, sports equipment, tech or gift cards.

One more thing we love about this card is its 0% p.a. for 24 months balance transfer offer (a one-off 1% balance transfer fee applies). It allows new cardholders to transfer existing balances from up to 3 non-BankSA, St.George and Bank of Melbourne Australian-issued credit, charge, or store cards, saving money on interest in the process.

You can transfer up to 80% of your approved available credit limit but be aware that any balance remaining after that intro period would revert to the card’s cash advance rate. To make most of this offer, make sure you pay off your balance in full before the promo period expires.

Last but not least, is the card’s annual fee. For a platinum card, the BankSA Amplify Platinum Credit Card has a fairly low annual fee. While it may not offer some of the more exclusive features offered on certain high-end platinum cards, it does have a reasonable earn rate and some nice extras.

What’s not so great...

While it may have an affordable annual fee, it’s worth pointing out that there are other cards that offer higher Qantas Frequent Flyer points earn rates and bonus points, or the selection of platinum extras. So if these offer value to you, that little bit extra in annual fees may be worthwhile.

In terms of interest, this card has a relatively high purchase rate, so it’s best to avoid interest payments altogether by clearing your balance month-to-month. You may also note that there is a 3% foreign transaction fee, so the value of any points you earn on overseas purchases may be reduced by that cost.

Why should you choose this card?

If you want a card that allows you to earn Qantas Points, but doesn’t cost over the odds in annual fees, the BankSA Amplify Platinum Credit Card may be for you. You can add one additional cardholder to earn points faster, and you can benefit from a number of excellent features.

These include extended warranty insurance, and travel insurance on trips up to three months, covering you, your spouse, and your dependent children. Of course, certain eligibility requirements apply, so be sure to read the PDS before you travel.

Overall Rating

Keeping it simple, the BankSA Amplify Platinum Credit Card offers a decent earn rate on the Qantas program, up to 70,000 bonus Qantas Points, 0% p.a. for24 months on balance transfer, a discounted first year annual fee, plus some great platinum perks, including complimentary insurance covers.

User reviews

BankSA Amplify Platinum Credit Card – Qantas ( based on 3 Creditcard.com.au user reviews )

75% rating based on 3 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 19.49% p.a.

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 24 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1% one off

Balance transfer limit 80% of approved credit limit

Brands you can't balance transfer from Bank of Queensland, BankSA, St.George

Credit limits

Minimum credit limit $6,000

Maximum credit limit $80,000

Fees & repayments

Annual fee $124 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10, whichever is greater

Annual fee the first year $99

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points Up to 70k points

Annual points cap 50,000

Bonus points spend criteria Spend $3k within the first 90 days (60,000 points) in year 1, make an eligible purchase in year 2 (10,000 points)

Earning points with this card

Qantas Rewards points 0.5 points per $1 spent

Points cap per month Capped at $100,000 per year. Bonus Qantas Points excluded in the cap.

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 3 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Eligible with Apple Pay, Google Pay and Samsung Pay.

Overview

BankSA Amplify Platinum Credit Card – Qantas

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.

*From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Points are not included in the cap.

 

Key features

  • Earn up to 70,000 bonus Qantas points—60,000 points when you spend $3,000 on eligible purchases within 90 days of card approval, plus 10,000 points after your first eligible purchase in year 2
  • 0% p.a. for 24 months on balance transfers requested at card application. Rate then switches to variable cash advance rate. 1% balance transfer fee applies.
  • Discounted annual fee of $99 for the first year, then $124 p.a. thereafter
  • Earn 0.5 Qantas Points per $1 spent on eligible transactions up to a maximum of $100,000 spent on eligible purchases per year*
  • Complimentary overseas travel insurance for trips up to 3 months
  • Get up to 55 days interest free on purchases
  • Eligible with Apple Pay, Google Pay and Samsung Pay

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • You have permanent residency in Australia/NZ OR; You’re a non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry

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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

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

8 questions (showing the latest 10 Q&As)

Hana Kavan

Hana Kavan

20 April 2023
Hi Pauline again. I have Banksa amplify Qantas credit card. I apply to receive 60K points bonus. I spent over $3000 in the three month but just realised that council doesn't count. I would like to ask for extension but I don't know where. Would you be able to help me with it? My card was approved 6.1.2023, so it is just out of three months. But I am nearly on the target. I have a lot traveling this year and I really would appreciate extension. However, it was my mistake for not knowing. Thank you kindly, Hana Kavan
    Pauline - CreditCard.com.au

    Pauline

    24 April 2023
    Hi again Hana, unfortunately this is a bit out of my remit. You can give BankSA a call directly about this at 13 33 22. Hope you get it all sorted!
Hana

Hana

18 April 2023
Hi Pauline. I applied for Amplife Qantas credit card and have to spent $3000 in the first 3 months. I just learned that Council doesn't count into the speending. What else doesn't count? Vouchers? Airbnb? Thank you for your help. Cheers, Hana
    Pauline - CreditCard.com.au

    Pauline

    19 April 2023
    Hi Hana, I’m sorry to hear that. I get asked this a lot, and unfortunately, credit card issuers do not provide a specific list of eligible transactions. However, typically, eligible transactions refer to your everyday “retail” purchases such as groceries, meals at restaurants, and petrol for your car. On the other hand, card issuers are very forthcoming with the transactions that don’t earn points. You’ll find that transactions such as cash equivalent transactions and government-related transactions are not considered eligible, as stated on their official website.
Nigel

Nigel

8 December 2021
In regards to the Amplified rewards card with the bonus Qantas points, if I pay a bill such as lumo or simply energy on their website, will this count as part of the $3000 spend limit to qualify for the Qantas bonus points?
    Pauline - CreditCard.com.au

    Pauline

    9 December 2021
    Hi Nigel, we checked both the Lumo and Simply Energy sites and they both offer payment via credit card. Keep in mind that BPAY or similar transactions (such as Post Billpay) won’t count as eligible transactions. Hope this has helped you out!
Nigel

Nigel

5 December 2021
Question relating to the 60,000 bonus qantas points when creating this Bank SA Amplify Platinum Credit Card., If I spend $3k with 90 days of opening this card for the local council, will I receive this bonus points? Secondly, if I pay a bill ($3k for council rates) through paypal via aust post post bill, will I receive this bonus points? Your answer will be appreciated. Regards, Nigel
    Pauline - CreditCard.com.au

    Pauline

    7 December 2021
    Hi Nigel, in order to earn points, payments made should be classified as ‘eligible’. These are payments you make for your groceries, restaurant bill, petrol, etc. Unfortunately, using the card to pay for a local council will not earn points as it’s included in BankSA’s list of transactions that are ineligible. If you’d like to earn points on council spend, albeit at a lower rate, you can compare the range of Amex credit cards.
Kai

Kai

17 August 2020
Do the Qantas bonus points come into your Qantas frequent flyer account seperate to your points earned from spending on the card (eg if you spent $4000, you would get 2000 points and would have met the criteria for the bonus. Do you get 62000 points appear in your account or 2000 and then 60000). Thanks in advance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 August 2020
    Hi Kai, they tend to be credited monthly. Therefore when the bonus points are put in your Qantas Frequent Flyer account. They should included with your monthly points earned.
Kai

Kai

15 August 2020
When do you receive the Qantas bonus points? I know the terms say ‘up to 12 weeks’, but is it normally in the statement following having met your spend requirement?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 August 2020
    Hi Kai, there is no real normal period for payment. I sometimes receive bonus points very quickly (within a week or 2). Other times it just takes longer. Sorry I cannot be specific with when you will receive.
Denise

Denise

21 August 2019
Not understanding how you say this card doesn't offer the Qantas Points when I'm clearly reading that it does offer Qantas Points.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 August 2019
    Hi Denise, this is definitely the Qantas points earning version of the BankSA Amplify Platinum. Maybe you mis-entrupped some information on the page. I have reviewed it as see that we mark the lower earn rate of 0.5 points per $ as a con. I will update this to make it more clear. If you look at the HSBC Platinum Qantas, it has a 1 Qantas point per $ earn rate. With no annual fee first year and lower 2nd year annual fee than the Amplify. Though this Amplify Platinum offer comes with 60k Bonus Qantas Points sign up. This is a real sweeter and may push you for this card.
David Smith

David Smith

8 July 2019
What are eligible transactions? And what are not eligible transactions?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 July 2019
    Hi David, Qantas Points are not earned on cash advances and balance transfers or in other specified circumstances (according the the terms). Bottom line stuff like bank fees is not eligible. Petrol, holidays, any normal purchases that are not cash advances are eligible. Typically BPAY payments are not eligible.

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