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BankSA Amplify Platinum Credit Card
BankSA Amplify Platinum Credit Card

BankSA Credit Cards

BankSA Amplify Platinum Credit Card

Updated 1 October 2020

Take advantage of a great balance transfer and purchase offer. Plus pay no annual fee first year. Earn 1 Amplify point per $1 spent on eligible purchases. Up to 3 months complimentary overseas travel insurance.

T&Cs apply. Offer ends 9 February 2021

Purchase Rate (p.a)

0% p.a.

for 7 months. Reverts to 19.74% p.a.

Balance Transfer (p.a)

0% for 22 months 1.5% balance transfer fee applies.
Reverts to 21.49% p.a.

Annual Fee (p.a)

$0 first year. Then $99 p.a.

$0 over 22 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. for 22 months on balance transfers requested at card application. 1.5% balance transfer fee applies. Reverts to cash advance rate.
  • 0% p.a. on purchases for 7 months. Reverts to variable purchase rate.
  • No annual fee first year. $99 annual card fee thereafter
  • Earn 1 Amplify Point per $1 spent on eligible transactions
  • No cap on the number of points you can earn
  • Complimentary overseas travel insurance for trips up to 3 months for you and your spouse and/or dependent children
  • Up to 55 days interest free on purchases
  • Eligible with Apple Pay, Google Pay and Samsung Pay.

  • 3% Foreign transaction fee

Creditcard.com.au review

Editor Review

BankSA Amplify Platinum 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 Platinum Credit Card

With two rewards programs to choose between and some appealing platinum extras – the BankSA Amplify Platinum Credit Card could be the rewards card you for you. And, with a great introductory offer on the table, this card looks even more appealing.

What we love...

Transfer your existing debt to 0% p.a. for 22 months on balance transfers requested at card application. 1.5% balance transfer fee applies. Reverts to cash advance rate. Plus get 0% p.a. on purchases for 7 months and pay no annual fee first year. If you want to earn Qantas points instead of Amplify see the BankSA Amplify Platinum Credit Card – Qantas

On the Amplify program, 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. With the Amplify program, you could earn 1 point per $1 spent on eligible purchases within Australia and overseas.

What’s not so great...

Also, cardholders should take note of the rates of interest applied to purchases and cash advances on this card, as they are relatively high. Avoid interest payments by clearing the balance month-to-month and saying no to the cash advance feature.

Why should you choose this card?

One reason you may want to choose this card is its overall affordability. Offering you the chance to earn rewards on everyday spending, the card actually has one of the lowest annual fees for a platinum rewards credit card on the market. You also pay no annual fee the first year.

For the ongoing $99 annual fee, you can enjoy a number of other extras too, such as travel insurance on trips up to three months, extended warranty insurance, and one additional cardholder at no extra cost.

Overall Rating

A platinum rewards card with a host of features, a choice of rewards programs and introductory offer – all for a reasonable annual fee.

User reviews

BankSA Amplify Platinum Credit Card ( based on 1 Creditcard.com.au user review )

80% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 19.74% p.a.

Introductory purchase rate 0% p.a. for 7 months

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 22 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1.5% one off

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Bank of Melbourne, BankSA, St.George

Credit limits

Minimum credit limt $6,000

Maximum credit limit $35,000

Fees & repayments

Annual fee $99 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2%

Annual fee the first year $0

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 Yes - up to 3 months

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

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

  • 0% p.a. for 22 months on balance transfers requested at card application. 1.5% balance transfer fee applies. Reverts to cash advance rate.
  • 0% p.a. on purchases for 7 months. Reverts to variable purchase rate.
  • Earn 1 Amplify Point per $1 spent on eligible transactions. Points are uncapped
  • No annual fee first year. $99 annual card fee thereafter
  • Complimentary overseas travel insurance for trips up to 3 months for you and your spouse and/or dependent children
  • 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

  • Australian permanent resident

  • Minimum income of $35,000 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.

2 questions (showing the latest 10 Q&As)

Elaine

Elaine

3 October 2018
Are you able to provide a list of businesses I would have to choose from if I opt to redeem my points for gift cards or retail vouchers, homewares or tech?
Leanda Merritt

Leanda Merritt

29 May 2018
Is there a cap on Amplify points earns per month ?? What is the conversion of Amplify points to velocity points ? thank you Leanda

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