BankSA Amplify Business Credit Card

Offers a $0 annual fee for the first year and uncapped rewards points.

The BankSA Amplify Business credit card offers a $0 first-year annual fee and up to 3 additional cards to manage your employee spending.

19.49% p.a.

Purchase rate


Reward point

Per $ spent

$0 p.a.

Annual fee

for the first year ($89 p.a. thereafter)

55 days

Interest free period

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Product NameBankSA Amplify Business Credit Card
Rewards programAmplify Rewards / Qantas Frequent Flyer
Purchase rate19.49% p.a.
Annual fee$0 annual fee for the first year ($89 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate20.24% p.a.
Min credit limit$1,000
Max credit limit$20,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • $0 annual fee for the first year
  • Uncapped points on business purchases
  • Complimentary transit accident, business inconvenience and unauthorised transaction insurances


  • Charges a foreign transaction fee of 3%
  • Relatively high purchase rate of 19.49% p.a.
Rewards programAmplify Rewards / Qantas Frequent Flyer
Bonus pointsN/A
Rewards points per $ spent1
Annual fee$0 annual fee for the first year ($89 p.a. thereafter)
Late payment fee$0
Foreign currency conversion fee3%
Cash advance fee3%
Additional cardholder fee$0
Number of additional cardholders3

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The BankSA Amplify Business credit card is designed to reward your business spending with points that you can then use for business travel, to reward employees and more. This card also charges a low annual fee compared to some other business rewards cards, but it has a high purchase interest rate and is best suited to cardholders who pay their balance in full each month.

How to apply

You can apply for the BankSA Amplify Business credit card online in 10 minutes and receive a response instantly. Before you get started, check if you and your business meet the eligibility criteria and that you have the necessary information to complete the application.

Eligibility criteria

  • Residency. You must be a permanent Australian resident.
  • Business use. Confirm that you're using the card for business or investment.

Card benefits

  • First-year annual fee waiver. Save with a $0 annual fee for the first year. The standard annual fee of $89 p.a. will be debited to your account 12 months from your first transaction and annually thereafter on the anniversary of the first annual fee.
  • Reward points. BankSA Amplify Business cardholders can choose to earn either Amplify Rewards or Amplify Qantas rewards. If you choose Amplify Rewards, you'll earn 2 points per $1 with international merchants, 1 point per $1 spent in Australia and 0.5 points per $1 for government charges (including ATO payments). Amplify Qantas offers 1 Qantas Point per $1 spent with international merchants, 0.5 points per $1 spent with Australian merchants and 0.25 points per $1 for government charges. You will need to be an existing Qantas Frequent Flyer member or sign up to become a Qantas member before you can earn Amplify Qantas rewards. Both rewards programs offer uncapped earn rates.

Rates & fees

  • Annual fee. Outside of any promotions, the BankSA Amplify Business credit card charges a standard annual fee of $89 p.a.
  • Purchase interest rate. This card has a variable interest rate of 19.49% p.a. for purchases if you carry a balance.

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