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BankSA Amplify Signature Credit Card
BankSA Amplify Signature Credit Card

BankSA Credit Cards

BankSA Amplify Signature Credit Card

Updated 19 November 2019

Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year and pay a reduced annual fee the first year of $139. Two Priority Pass lounge visits per year, membership to the Visa Luxury Hotel Collection, and birthday bonus points, where, on your birthday, you’ll receive 10% of the points earned in the past 12 months, added to your account.

T&Cs apply. Offer ends 12 February 2020

Points Earn Rate (per $1 spent)

1.5 points

Amplify

Rewards Program

Amplify Rewards

Bonus Points

200,000 pts

Over 2 years when you spend $12k on eligible purchases each year

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Receive 130,000 bonus Amplify Points in year 1 plus a further 70,000 in year 2 when you spend at least $12,000 on eligible purchases each year.
  • Earn 1.5 Amplify points for every dollar spent on eligible purchases. Redeem entertainment, travel and merchandise rewards on this program. Your Amplify points can also be redeemed with several airline partners including Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer.
  • Birthday bonus 10% on points earned in the previous 12 months
  • Complimentary international travel insurance for up to 6 months
  • Two complimentary airport lounge passes per year
  • Reduced annual card fee of $139 the first year ($279 usually)
  • Visa Luxury Hotel Collection
  • Eligible with Samsung Pay & Google Pay

  • To be eligible for entire bonus points offer, you have to spend $12k on eligible purchases each year over 2 years

Creditcard.com.au review

Editor Review

BankSA Amplify Signature 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 Signature Credit Card with up to 200,000 Bonus Amplify Points

For some people, simple is better. All they want is a no frills credit card at the lowest possible cost. For others though, they are looking for something more from their card. While they may not be looking for prestige, per se, they are looking for prestige features.

Offering a dazzling array of extras, the BankSA Amplify Signature Credit Card could be the ideal option if you happen to want more from your card. Providing the choice between two rewards programs, this card offers a great earn rate, alongside plenty of features and up to 200,000 bonus Amplify points as an introductory offer. If you want to earn Qantas points see the BankSA Amplify Signature Credit Card – Qantas

What we love...

This offer comes with a reduced annual fee the first year of $139 ($279 thereafter).

One of the things we love most about the BankSA Amplify Signature Credit Card is its bonus points offer. Allowing you to get a head-start on your points-saving, the card provides you with up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year.

And everyday points earning potential? If you choose to earn on the Amplify Rewards program, you could earn 1.5 Amplify Points per $1 spent on eligible purchases within Australia and overseas, with no points capping.

The points you earn can be redeemed for gift cards or retail vouchers, homewares or tech, or they could go towards your next travel adventure, when used within frequent flyer programs such as Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer.

Alternatively, if you choose to earn on the Qantas Rewards program, you could earn 0.75 Qantas Points per $1 spent, uncapped, with the opportunity to earn double points on purchases with Qantas Frequent Flyer Program partners. Click here to see the offer.

Within the Qantas program, you have a huge choice of redemption options, whether that means using your points within the Qantas Store, or redeeming points for flights and upgrades with Qantas or one of its 35 partner airlines.

What’s not so great...

As a rewards card, there are certain factors to be aware of before applying for the BankSA Amplify Signature Credit Card. For one thing, the Qantas earn rate is relatively low compared to other prestige rewards cards on the Qantas program.

You should also be aware of the significant ongoing annual fee, the high rates of interest applied to cash advances and purchases, and the high minimum income requirement and high minimum credit limit.

To be eligible for the bonus points offer over 2 years, you have to spend $12,000 on eligible purchases each year. As long as you need to make those purchases anyway, that’s fine, but there’s no point spending unnecessarily just to claim points that are worth a lot less than your $24,000 spend. If you make the spend you'll receive 130,000 bonus Amplify Points in year 1 plus a further 70,000 in year 2.

Why should you choose this card?

Saying that, choosing a prestige card should be all about balance. Avoid unnecessary interest payments, and work out whether the features on offer are worth more than what you’re paying out in annual fees.

Luckily, the BankSA Amplify Signature Credit Card has plenty of features to tip the scales. Aside from the rewards program and bonus points offer, this card offers a range of complimentary insurances, including travel insurance, extended warranty insurance and price guarantee cover.

You can also benefit from two Priority Pass lounge visits per year on the Amplify Rewards program or two Qantas lounge passes, membership to the Visa Luxury Hotel Collection, and birthday bonus points, where, on your birthday, you’ll receive 10% of the points earned in the past 12 months, added to your account.

Overall Rating

A prestige rewards card that earns points on the Amplify or Qantas rewards program, offering fantastic features and up to 200,000 bonus Amplify points plus a reduced annual fee first year as an introductory offer.

User reviews

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

70% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

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

Balance transfer

Balance transfer rate 0% p.a. for 6 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

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 $15,000

Maximum credit limit $75,000

Fees & repayments

Annual fee $279 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2%

Annual fee the first year $139

Cash advance fee 2%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Amplify Rewards Amplify Rewards

Bonus points 200,000 points

Annual points cap uncapped

Bonus points spend criteria Over 2 years when you spend $12k on eligible purchases each year

Earning points with this card

Amplify Rewards points 1.5 points 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 6 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

2 Priority Pass lounge visits per year

10% Birthday bonus points

Visa Luxury Hotel Collection

Eligible with Samsung Pay & Google Pay

Overview

BankSA Amplify Signature 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

  • Receive 130,000 bonus Amplify Points in year 1 plus a further 70,000 in year 2 when you spend at least $12,000 on eligible purchases each year.
  • Earn 1.5 Amplify points for every dollar spent on eligible purchases
  • Get up to 55 days interest free on purchases
  • Birthday bonus 10% on points earned in the previous 12 months
  • Reduced annual card fee of $139 for the first year. $279 annual fee thereafter
  • Visa Luxury Hotel Collection
  • Complimentary international travel insurance for up to 6 months
  • Two complimentary airport lounge passes per year

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 $75,000 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)

Ian

Ian

25 June 2019
you give no details of where points can be redeemed eg Coles or Woolies or cash back on card
Geoff Salvestro

Geoff Salvestro

28 August 2017
didnt realise you only answer one question per email, life is tooo short my main query is I am interested in the benefits of card but how do you tell where it can be used, useless without more info - Visa Luxury Hotel Collection member cheers Geoff
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 August 2017
    Hi Geoff, the card is a Visa and can be used anywhere Visa is accepted. The Visa Luxury Hotel Collection website I provided you shows where the these features can be used. When you travel with Amplify Signature you will become an automatic Visa Luxury Hotel Collection member and enjoy 3pm checkouts at over 900 hotels with Visa (when available), Complimentary continental breakfast at your hotel, Automatic hotel room upgrade upon arrival (when available) and VIP hotel guest status. I hope I have answered your question. This card has many great benefits if you travel. Also the 10% points birthday bonus is nice.
Geoff

Geoff

26 August 2017
Hi Roland I am interested in the benifits of card but how do you tell where - Visa Luxury Hotel Collection member- is applicable AND do you need to be a new Bank SA customer to be eligible
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 August 2017
    Hi Geoff, this offer is for new cards, not customers, therefore you can still apply. For updated list of participating properties, please visit www.visaluxuryhotels.com.
Albert

Albert

6 December 2016
Is the $75k income gross or net. Is self-employment ok? TY.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 December 2016
    Hi Albert, income is gross and self-employment is aok. You will need to be able to verify your income through your accountant. They will want some tax returns also. Best of luck with your application.
bev

bev

17 October 2016
can the balance transfer be used to pay Citibank redi credit debt ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 October 2016
    Hi Bev, as the Citi Ready Credit is a line of credit rather than a credit card it is not possible to transfer it. What you need to look for is a low rate personal loan that can save you interest on what you are paying with ready credit.

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