Our verdict

Offers up to 100,000 bonus Amplify Points and a discounted $99 annual fee in the first year, which goes to $175 per year after that.

The BankSA Amplify Rewards Platinum Credit Card offers tiered earn rates, earning up to 2 points per $1 spent on eligible spending. You can redeem points for gift cards, retail products, or transfer them to frequent flyer programs including Velocity Frequent Flyer or Singapore Airlines KrisFlyer. Right now, you can get up to 100,000 bonus Amplify Points (75,000 points when you spend $3,000 on eligible purchases in the first 90 days of card approval and an additional 25,000 points after your first eligible purchase in the second year).

The discounted first-year annual fee also helps you save in the short-term, while the usual $175 annual fee is similar to other platinum cards on the market. It also offers complimentary travel insurance and purchase insurances. But it's still important to think about whether the potential value you'll get from points and perks is enough to justify the annual fee.

Pros

Up to 100,000 bonus Amplify Points offer
Discounted first-year annual fee of $99
Complimentary travel and purchase insurance covers

Cons

Charges a 3% foreign transaction fee

Details

Product details

Product Name	BankSA Amplify Rewards Platinum
Purchase rate p.a.	Purchase rate p.a.20.99%
Interest-free days	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$6,000
Max credit limit	$80,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Rewards program	Amplify Rewards / Qantas Frequent Flyer,Velocity Frequent Flyer
Bonus points	100,000
Rewards points per $ spent	1

Fees

Annual fee	$99 first year ($175 after)
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	3%
Overseas cash advance fee	3% of each cash advance amount
Additional cardholder fee	$0
Number of additional cardholders	1

How to apply

You can apply for the BankSA Amplify Rewards Platinum Credit Card online in around 10 minutes. Get started by making sure you meet the eligibility requirements and have all the documents and details you'll need handy.

Eligibility criteria

New cardholder. To be eligible for the introductory offers, you must apply for a new card and cannot hold or have held an Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA in the past 12 months.
Residency. o apply for this card, you must be an Australian or New Zealand citizen, Australian permanent resident or hold a valid temporary residence visa with at least 1 year before expiry.

Check out Finder's guide to credit cards for temporary residents for more details for BankSA and other providers if you have a valid visa.

Age. You must be at least 18 years of age.

Documents and details

Personal details. This includes your full name, email address, contact number, residential address, date of birth, marital status and number of dependents. You also need to provide valid ID, such as your driver's licence or passport.
Employment details. This covers your employment status, job title, salary and employer's contact details. You may also be asked for documents that verify these details, such as recent payslips or bank statements.
Financial details. As well as your salary, you should include details of any government payments, pensions, other forms of income and assets such as savings. You also need to share details of your existing debts, cards and other loans, as well as estimates of your regular household expenses.

Card benefits

Bonus Amplify Points offer. This card offers 75,000 bonus Amplify Points when you spend $3,000 on eligible purchases in the first 90 days of card approval. You'll get additional 25,000 points after making your first eligible purchase in the second year. Eligible purchases cover most everyday spending, such as supermarket shopping, dining out and petrol. But transactions that are not eligible include cash advances, BPAY payments and spending with government-related agencies. The bonus Amplify Points will be added to your points balance within 12 weeks of meeting the eligible spend criteria.
Discounted first-year annual fee. You'll get a reduced annual fee of $99 for the first year. After the first year, a $175 annual fee applies. Existing BankSA customers can save with a $49 in the first year, which reverts to $175 p.a. thereafter.

Shopping cashbacks. Eligible BankSA credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.
Amplify Rewards. This card earns 2 Amplify Points per $1 spent on international transactions and 1.25 points per $1 spent at major supermarkets, department stores, petrol stations, dining, and utilities. You'll also earn 1 point per $1 spent on all other eligible purchases (up to $5,000 per statement period), then 0.5 points per $1 spent thereafter. Eligible purchases cover most everyday transactions, including groceries, petrol, dining and travel bookings. Transactions that are not eligible to earn points include cash advances, BPAY payments and government-related transactions.
Complimentary insurance. This card offers up to 3 months overseas travel insurance for you, your eligible spouse and dependent children when you use it to pay for at least $500 of your travel costs and have a return travel ticket before you go overseas. It also gives you access to , complimentary international travel insurance for trips of up to 3 months, overseas transit accident insurance, interstate flight inconvenience insurance and rental vehicle excess in Australia cover. It also offers extended warranty cover and purchase protection insurance for up to 4 months on eligible items. As with any insurance policy, make sure you read the policy documents available on the BankSA website for full details.
Digital wallets. You can add the BankSA Amplify Rewards Platinum Credit Card to Apple Pay, Google Pay or Samsung Pay to make payments straight from your mobile phone or device.

Rates & fees

Annual fee. Outside of any promotions, the BankSA Amplify Rewards Platinum charges an annual fee of $175.
Purchase rate. The variable interest rate for purchases on this card is 20.99% p.a., which is the same as the average rate for credit cards in Australia based on Finder analysis of RBA data.

Interest-free days. When you pay your monthly payment balance in full (which excludes current balance transfers) by the payment due date on your statement, you get up to 55 days interest-free on new purchases. Note that interest-free days are separate from any longer-term interest rate promotions.
Cash advances. If you use this card to withdraw cash or make any other cash advance transactions, you'll pay a fee worth 3% of each transaction. A 21.99% p.a. variable interest rate also applies to cash advances from the day they are made.
Foreign transaction fee. This card charges a fee of 3% for transactions made overseas or online with a merchant that is based overseas.
Additional cardholder. You can add 1 additional cardholder to your account without an additional fee.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. BankSA Amplify Rewards Platinum Credit Card information PDF
2. BankSA Amplify Rewards Platinum Credit Card TMD

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile