- $79 annual card fee
- Up to 55 days interest free on purchases
- One free additional cardholder
- Choose from the Amplify Rewards or Qantas Frequent Flyer program
- Amplify Rewards: Earn 1 Amplify point per $1 spent on all eligible purchases, uncapped.
- Amplify Qantas: Earn 0.5 Qantas points per $1 spent on all eligible purchases, uncapped
- Eligible with Apple Pay, Google Pay and Samsung Pay
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BankSA Credit Cards
Discontinued: BankSA Amplify Credit Card
Updated 20 August 2021
This card is no longer available for application. This information has been left for those who still have the card or were previously interested
Choose from the Amplify Rewards or Qantas Frequent Flyer program to earn rewards points. Earn 1 Amplify point for every $1 spent or 0.5 points Qantas points for every $1 spent on all eligible purchases, uncapped. Add one free additional cardholder.Points Earn Rate (per $1 spent)
1 point
AmplifyRewards Program
Amplify Rewards
Bonus Points
N/A
Pros and cons
- High purchase rate of 19.74% p.a.
Creditcard.com.au review
Editor Review
Discontinued: BankSA Amplify 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 Credit Card
If you love your credit card but you’re not so keen on the rewards program it offers, it may be worth your while to check out the BankSA Amplify Credit Card to see if it’s right for you.
With some pretty decent features on the table, the BankSA Amplify Credit Card is a rewards card that lets you choose between two rewards programs, so you can really make the most of your credit card spending.
Want to find out more? Come with us as we dig deeper into what’s on offer, to see if this lovely little card really is the right option for you.
What we love...
While most cardholders probably choose the BankSA Amplify Credit Card for its rewards programs and extra features, it now has something else to offer.
Now, on to some of the card’s other redeeming features. Unlike many other rewards cards, the BankSA Amplify Credit Card lets you choose between two rewards programs, to earn either Amplify Rewards Points or Qantas Points.
If you opt for the Qantas program, you could earn 0.5 Qantas Points per $1 spent on eligible purchases, with no points capping. On purchases made with Qantas partners, you could even earn double points – once with your card and once with the program partner.
These points could be spent on merchandise, gift vouchers or experiences in the Qantas Store, or redeemed with Qantas or one of its 35 partner airlines for flights and upgrades.
If you’d prefer to be on the Amplify program, you could earn 1 point per $1 spent on eligible purchases, again with no points capping.
Your points could be used to buy gift cards, retail vouchers, homewares or tech, or you could redeem them on frequent flyer programs such as Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs.
What’s not so great...
While there is a lot to love on this card, there are certain drawbacks new cardholders will have to keep in mind. For example, on the Qantas program, the earn rate provides just 1 Qantas Point per $2 spent. That means you’ll have to spend big to see your points total grow.
Why should you choose this card?
With that in mind, you could make this card work for you. You’ll pay a reasonable annual fee for a rewards card, and you can benefit from extra features such as up to 55 days interest free on purchases, and one free additional cardholder.
As with any credit card, it’s all about balance. You simply need to weigh up what you’re getting out of the card in features and rewards, compared to what you are putting in, in fees and interest.
Overall Rating
An affordable rewards card that provides two rewards programs to choose from and a few handy features.
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 6.99% p.a. for 12 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
Brands you can't balance transfer from Bank of Melbourne, BankSA, St.George
Credit limits
Minimum credit limit $500
Maximum credit limit $25,000
Fees & repayments
Annual fee $79 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $10, whichever is greater
Cash advance fee 3%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program
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 No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Google Pay and Samsung Pay
Overview
Discontinued: BankSA Amplify 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
- $79 annual card fee
- Up to 55 days interest free on eligible purchases
- One free additional cardholder
- Eligible with Apple Pay, Google Pay and Samsung Pay
- Choose from the Amplify Rewards or Qantas Frequent Flyer program
- Amplify Rewards: Earn 1 Amplify point per $1 spent on all eligible purchases, uncapped.
- Amplify Qantas: Earn 0.5 Qantas points per $1 spent on all eligible purchases, uncapped
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 $25,000 p.a.
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
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question5 questions (showing the latest 10 Q&As)
I signed up for a 0% on purchases for 14 monthsAmplify credit card in October 2018 - this is not clear on my statement and is stating that IF I DO NOT PAY THE TOTAL BALANCE I WILL BE CHARGED INTEREST OF 19% - According to the promotion - I will be charged 0% on purchases... can you please clarify your conditions as I am selling my house and simply signed up to complete the reno's as we did not have the cash - If I am now hit with interest on purchases I will not be happy and find this promotion to be MISS LEADING - thanks in advance
Hi Robert, this offer is clear. There is an intro rate on purchases of 0% for the first 14 months from card approval. You will still need to make the minimum monthly payments of 2% of the balance. Even in the interest free period. Sometimes the statement may not fully represent the offer that has been received. If you have concerns give BankSA Amplify credit card customer service a call on 13 13 76.
Is there any minimum term I need to hold a credit card for? Can I apply, use the card, pay off the balance then cancel nce the interest free period expires?
Hi Charli, there is no minimum period that you are required to keep a credit card. You can cancel at any time as long as you can pay off the balance in full.
Can i transfer balance from a personal loan?
Hi Liam, you cannot transfer loans to this offer. Check out the Citi Rewards Platinum balance transfer offer which you can transfer non-Citi loans as part or all of the transfer.
Roland I have a BOQ Platinum card with over 800,000 points. How can I find out where and how I can fly to. Their web site is not particularly user friendly. Seems that I have to book a flight to get any info.
Hi Elizabeth, you go to the rewards site (which I think you have found) https://www.boqrewards.com/welcome.htm. 800,000 points sounds like a good amount. The amount of points you use for flights will vary all the time depending on availability, time or year and naturally destination. Think of somewhere you would like to go, then do a search for the trip to see how much it costs. I find that looking 6 months+ into the future get cheaper flights.
Can the Credit Card balances of Westpac, Bank of Melbourne and CBA (3 cards) transferred ?
Hi Manel, BOM is part of the St George group therefore cannot be transferred. CBA and even Westpac (even though Westpac own BankSA but they are issued seperately) are possible subject to credit approval. Based on your 3 cards that you wish to transfer (a balance transfer needs to be between different banks), I would look at the NAB range of 0% offers that are in market. Citi issued cards could also be an option such as the Virgin no annual fee.
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Gabriella
28 January 2013I chose Qantas points but you can also choose Amplify points instead. Gives you free Qantas membership. Good for balance transfers. Annual fee is cheap for a rewards card. Gave my partner a card because it was free and he can help me earn more points.
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