- Receive 150,000 bonus Amplify Points, worth up to $675 in eGift cards, when you apply and are approved for a new card, and spend a minimum of $12,000 on eligible purchases within the first 12 months from card approval. Offer ends 30 April 2024.
- 0% p.a. for 24 months on balance transfers requested at the new card application, 1% balance transfer fee applies. Rate then switches to variable cash advance rate. Offer ends 30 April 2024.
- Discounted annual fee of $199 for the first year, then $295 thereafter. Offer ends 30 April 2024.
- 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 and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
- Two complimentary airport lounge passes per year
- Visa Luxury Hotel Collection
- Eligible with Apple Pay, Google Pay and Samsung Pay
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BankSA Credit Cards
BankSA Amplify Signature Credit Card
Updated 21 February 2024
Earn 150,000 bonus Amplify Points, worth up to $675 in eGift cards, when you apply by 30 April 2024 and are approved for a new card, and spend a minimum of $12,000 on eligible purchases within the first 12 months from card approval. Plus, enjoy 0% p.a. for 24 months on balance transfers requested at new card application with a one-time off 1% BT fee. Two Priority Pass lounge visits per year and birthday bonus points which you’ll receive 10% of the points earned in the past 12 months. Enjoy all the benefits and features while paying a discounted annual fee of $199 for the first year, then $295 thereafter.
Points Earn Rate (per $1 spent)
1.5 points
AmplifyRewards Program
Amplify Rewards
Bonus Points
150,000 pts
Spend $12,000 in the first 12 months
Pros and cons
- To be eligible for the entire bonus points offer, you have to spend $12k on eligible purchases each year
Creditcard.com.au review
Editor Review
BankSA Amplify Signature Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The BankSA Amplify Signature Credit Card with up to 150,000 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 150,000 bonus Amplify Points as a welcome offer. If you want to earn Qantas points, see the BankSA Amplify Signature Credit Card – Qantas. Take advantage of the long term 0% p.a. for 24 months on balance transfers requested at new card application. Plus, save more with a discounted annual fee of $199 in the first year.
What we love...
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 150,000 bonus Amplify Points, worth up to $675 in eGift cards, when you apply for a new card by 30 April 2024, are approved, and spend a minimum of $12,000 on eligible purchases within the first 12 months from card approval./p>
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 up to $675 in eGift cards. Choose from merchant 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.
Aside from being a big provider of bonus points, BankSA Amplify Signature Credit Card also provides long term offer on balance transfers. Currently, newly approved card applications can benefit from 0% p.a. for 24 months on balance transfers, available upon request. A one-time off 1% balance transfer fee applies. Rate then switches to variable cash advance rate. You are allowed to transfer balances up to 80% of your approved available credit limit (minimum of $200) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. Offer ends 30 April 2024.
Added to the welcome benefit package of this card is a discounted annual fee. Pay $199 in the first year, saving you $96. Take advantage of this offer and save more. This offer runs until 30 April 2024.
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.
Also, just note 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 12 months.
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 credit limit.
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, 150,000 bonus Amplify Points, discounted first-year annual fee, and 0% p.a. interest on balance transfers for 24 months. Promotional offers are available to new cards only.
User reviews
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 Melbourne, BankSA, St.George
Credit limits
Minimum credit limit $15,000
Maximum credit limit $80,000
Fees & repayments
Annual fee $295 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 $199
Cash advance fee 3%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program
Amplify Rewards
Bonus points 150,000 points
Annual points cap uncapped
Bonus points spend criteria Spend $12,000 in the first 12 months
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 Yes
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 150,000 bonus Amplify Points, worth up to $675 in eGift cards, when you apply and are approved for a new card, and spend a minimum of $12,000 on eligible purchases within the first 12 months from card approval. Offer ends 30 April 2024.
- 0% p.a. for 24 months on balance transfers requested at the new card application, 1% balance transfer fee applies. Rate then switches to variable cash advance rate. Offer ends 30 April 2024.
- Discounted annual fee of $199 for the first year, then $295 thereafter. Offer ends 30 April 2024.
- Earn 1.5 Amplify points for every dollar spent on eligible purchases, uncapped
- Birthday bonus: Within 4 weeks of your birthday, receive an additional 10% of the points earned in the last 12 months
- Get up to 55 days interest free on purchases
- Range of complimentary insurances such as interstate flight inconvenience insurance, up to 6 months overseas travel insurance, extended warranty, up to 4 months purchase security cover, and transit accident insurance
- Two complimentary airport lounge passes per year
- Exclusive Concierge Services
- Visa Luxury Hotel Collection
- Get an additional cardholder at no extra cost
- 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
-
Permanent resident in Australia/NZ OR; Non-resident or migrant that holds an acceptable Visa, with a minimum 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 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
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