- 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 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
- 0% p.a. for 6 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. No balance transfer fee.
- Eligible with Apple Pay, Google Pay and Samsung Pay
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BankSA Credit Cards
BankSA Amplify Signature Credit Card
Updated 1 October 2020
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 9 February 2021
Points Earn Rate (per $1 spent)
1.5 points
AmplifyRewards Program
Amplify Rewards
Bonus Points
200,000 pts
Over 2 years when you spend $12k on eligible purchases each year
Pros and cons
- 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. Ask Roland a Question 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 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
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
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 Apple Pay, Google Pay and Samsung 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
- 0% p.a. for 6 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. No balance transfer fee.
- Complimentary international travel insurance for up to 6 months
- Two complimentary airport lounge passes per year
- 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 $75,000 p.a.
You have your personal details ready to complete the online application
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.
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