- Earn 50,000 bonus Amplify Points after $6,000 in eligible purchases within 90 days of card approval. New cards only. T&Cs apply.
- $99 first-year card fee ($49 for eligible existing BankSA customers who sign in to apply), then $175 p.a. A separate $75 annual Amplify Rewards Program fee applies.
- Strong earn rates: 1.25 pts/$1 on everyday spend; 2 pts/$1 on international spend
- Complimentary overseas travel insurance (up to 3 months), extended warranty and purchase protection
- Up to 45 days interest-free on purchases
- Apple Pay, Google Pay and Samsung Pay enabled
- 24/7 fraud monitoring, Secure Online Shopping Service, and the BankSA Fraud Money Back Guarantee
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BankSA Credit Cards
BankSA Amplify Platinum Credit Card
Updated 10 November 2026
Earn 50,000 bonus Amplify Points after $6,000 in eligible purchases within 90 days of card approval. Save with a $99 first-year card fee (reverts to $175 p.a.), plus a $75 annual Amplify Rewards Program fee and get complimentary overseas travel insurance for trips up to 3 months.
Offer not available if you’ve held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months. New cards only. T&Cs apply.
Points Earn Rate (per $1 spent)
1.25 points
Capped at $5000 per statement period, then 0.5 pts per $1 spent
Rewards Program
Amplify Rewards
Bonus Points
50,000 pts
$6,000 eligible spend within 90 days of approval
Pros and cons
- High variable interest rate on cash advances
- 3% Foreign transaction fee
- Earn rate drops to 0.5 pts/$1 on further purchases once you spend $5,000 in a statement cycle
- $75 annual Amplify Rewards Program fee on top of the card fee
Creditcard.com.au review
Editor Review
BankSA Amplify Platinum Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The BankSA Amplify Platinum Credit Card
With very attractive bonus points and with a discounted annual fee in the first year and some appealing platinum extras, the BankSA Amplify Platinum Credit Card could be the rewards card for you.
Point calculations are accurate as of 22 August 2025 but may be subject to change without notice. All routes may have additional taxes and charges. Check the official BankSA page for the latest details.
What we love...
Earn 50,000 bonus Amplify Points after $6,000 in eligible purchases within 90 days of card approval. New cards only. T&Cs apply.
Earn 1.25 Amplify Points per $1 on everyday spend, 2 points per $1 on international spend, and 1 point per $1 on all other purchases. Once you spend $5,000 in a statement cycle, further eligible purchases in that cycle earn 0.5 points per $1. Points don’t expire while your account remains open and in good standing.
You could redeem your points for travel on a variety of airlines, using them as frequent flyer miles on programs that include Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer. You could redeem your points for gift cards or retail vouchers, homewares, or tech. You could even use it for a greater cause and donate to one of their listed charities. How you choose to make use of your points is entirely up to you.
If you want to earn Qantas points instead of Amplify see the BankSA Amplify Platinum Credit Card – Qantas.
To make this bonus offer work for you, make sure that you can afford the minimum spend amount. Most importantly, see to it that you clear your balance in full each month before it starts accruing interest.
$99 first-year card fee ($49 for eligible existing BankSA customers who sign in to apply), then $175 p.a. A separate $75 annual Amplify Rewards Program fee applies.
What’s not so great...
Interest rates on purchases and cash advances are relatively high, so aim to clear your balance each month and avoid cash advances. Also note the earn rate drops to 0.5 pts per $1 on further eligible purchases once you hit $5,000 spend in a statement cycle.
Note as well that you won't be eligible for the bonus points offer if you currently hold or have held an Amplify, Amplify Platinum or Amplify Signature card issued by BankSA, Bank of Melbourne, or St.George in the last 24 months.
Why should you choose this card?
There are several reasons you may want to choose this card. First- its enticing introductory offers which include the bonus points.
Second—overall value. With a $99 first-year fee (then $175 p.a.), plus a separate $75 annual Amplify Rewards Program fee, you get solid earn rates plus extras such as international travel insurance (up to 3 months), extended warranty and purchase protection, and one additional cardholder at no extra cost.
Overall Rating
A platinum rewards card with strong earn rates (1.25/2 pts per $1), 50,000 bonus Amplify Points, practical insurances and a $99 first-year fee (then $175 p.a.), plus a separate $75 annual Amplify Rewards Program fee.
User reviews
Rates and fees
Interest rates
Purchase rate 23.98% p.a.
Cash advance rate 23.99% p.a.
Interest free period on purchases up to 45 days
Credit limits
Minimum credit limit $6,000
Maximum credit limit $80,000
Fees & repayments
Annual fee $175 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment Amplify Platinum/Signature: 2.5% of the closing balance or $25, whichever is greater (pay balances below $25 in full). Vertigo: 2% or $10, whichever is greater, until 29 November 2026; 2.5% or $25 from 30 November 2026. Other cards: check your statement.
Annual fee the first year $99
Cash advance fee 3.5%
Late payment fee $20
Rewards and points
Rewards program
Rewards Program
Amplify Rewards
Bonus points 50,000 points
Annual points cap uncapped
Bonus points spend criteria $6,000 eligible spend within 90 days of approval
Earning points with this card
Amplify Rewards points 1.25 points per $1 spent
Points cap per month Capped at $5000 per statement period, then 0.5 pts per $1 spent
Overseas earn rate 2 points per $1 spent
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
Travel insurance underwritten by Allianz Australia Insurance Limited
Fraud Protection Guarantee
Eligible with Apple Pay, Google Pay and Samsung Pay.
Overview
BankSA Amplify Platinum 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
- Earn 50,000 bonus Amplify Points after $6,000 in eligible purchases within 90 days of card approval. New cards only. T&Cs apply.
- $99 first-year card fee ($49 for eligible existing BankSA customers who sign in to apply), then $175 p.a. A separate $75 annual Amplify Rewards Program fee applies.
- Earn rates: 1.25 pts per $1 on everyday spend; 2 pts per $1 on international spend; 1 pt per $1 on all other purchases
- Earn rate change: once you spend $5,000 in a statement cycle, you’ll earn 0.5 pts per $1 on further eligible purchases for that cycle
- 24/7 fraud monitoring, Secure Online Shopping Service, and the BankSA Fraud Money Back Guarantee
- Complimentary overseas travel insurance (up to 3 months), extended warranty insurance, purchase protection (up to 4 months)
- Up to 45 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
-
Australian or New Zealand citizen, Australian permanent resident, or holder of an eligible temporary residence visa with at least 1 year before expiry
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 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
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