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Our verdict

This mid-tier frequent flyer credit card offers up to 70,000 bonus Qantas Points and complimentary insurance, with a discounted $174 first-year annual fee.

The BankSA Amplify Qantas Platinum boasts a relatively competitive bonus points offer, especially when you compare the spend requirement to other frequent flyer cards with bonus point offers. To give you an idea of your points potential, you could book a family getaway to Byron Bay with four return economy flights between Sydney and Ballina (64,000 points in total) or fly solo with a one-way business class booking between Brisbane and Tokyo (68,400 points).

Apart from the Qantas Points, this card gives you 24 months interest-free on balance transfers if you have existing debt you want to pay off. Keep in mind that a one-time 1% balance transfer fee applies and you won’t receive the interest-free days on purchases while you carry a balance transfer debt.

Pros

Up to 70,000 bonus points offer
Balance transfer offer of 0% p.a. for the first 24 months
$174 first-year annual fee ($199 p.a. thereafter), including Qantas fee
Complimentary travel and purchase insurances

Cons

Charges a one-time 1% balance transfer fee
The earn rate of 0.5 Qantas Points per $1 spent is lower than some other platinum cards
Does not offer airport lounge passes

The BankSA Amplify Qantas Platinum earns 0.5 Qantas Point per $1 on eligible credit card spending. Right now, you can also get 60,000 bonus Qantas Points when you apply as a new customer by 31 July 2024 and spend at least $3,000 in the first 90 days from card approval. And an additional 10,000 points after the first eligible purchase has been made in the second year (70,000 bonus points total). You'll also save with a first-year annual fee discount of $174. The annual fee and rewards fee add up to $199 after the first year.

This platinum card also offers complimentary travel insurance and extended warranty insurance for eligible purchases. While its 19.49% p.a. variable interest rate for purchases is similar to many other frequent flyer cards, it means you’ll get more value from it if you can pay your account in full by the due date on each statement so you can get interest-free days for purchases.

Details

Product details

Product Name	BankSA Amplify Qantas Platinum
Balance transfer rate p.a.	0% for 24 months with 1% balance transfer fee, then 21.49%
Balance transfer limit	80% of available limit
Purchase rate p.a.	19.49%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.49%
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	Qantas Frequent Flyer
Bonus points	70,000
Rewards points per $ spent	0.5
Rewards points cap	100,000

Fees

Annual fee	$174 first year ($199 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 Qantas Platinum credit card online in 10 minutes and receive a response instantly.

Eligibility criteria

New customer. The bonus points offer is only available to new BankSA customers. This exclusion applies to people who currently hold an Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA or who have held one in the last 12 months.
Residency. To apply online, you must be an Australian citizen or permanent resident.

Age. You must be at least 18 years old.
Eligible balance transfer debt. If you elect to transfer a balance, you can transfer from $200 up to 80% of your available credit limit from up to three Australian credit, store or charge card accounts not issued by St.George, Bank of Melbourne or BankSA.

Required documents

Personal information. This includes your full name, date of birth, contact details, residential address, marital status and number of financial dependents.
Proof of identification. Your driver's license, passport, NSW photo card or Medicare card number.
Income. Proof of your income with recent payslips or bank statements. If you're self-employed, you'll need to provide your tax details and your accountant's contact details.
Finances. This includes a list of your assets, investment and savings. You should also include information about existing liabilities like debts, balances and repayment.
Qantas Frequent Flyer. Include your Qantas Frequent Flyer membership number so that you can earn points in your account.

Card benefits

Bonus Qantas Points. Receive 60,000 bonus Qantas Points when you apply by 31 July 2024, get approved and spend $3,000 or more on eligible purchases within the first 90 days. You'll get another 10,000 points after making your first eligible purchase in the second year. Bonus points will be credited to your Qantas Frequent Flyer account within 12 weeks of meeting the spend requirement.
Discounted first-year annual fee. Apply by 31 July 2024 and save with a reduced annual fee of $174 for the first year ($199 p.a. thereafter). This includes both standard fee and $75 annual Qantas Rewards fee.

Balance transfer offer. Pay down existing debt with a 0% interest rate on balance transfers for the first 24 months when you apply by 31 July 2024. A one-time 1% balance transfer fee applies. After the promotional period, any balance remaining will be charged at the variable cash advance rate.
Earn Qantas Points. With Qantas rewards, you'll earn 0.5 Qantas Point per $1 up to a maximum of $100,000 spent on eligible purchases per year (bonus Qantas Points not included in the cap). When you shop with Qantas partners, you'll also earn points once on your card and once again with the partner. Eligible spending covers most retail and dining transactions but the transactions that won't earn you points include balance transfers, cash advances, account fees and a purchase from or payment to a government or government related agency.
Complimentary travel insurance. Receive complimentary travel insurance on trips up to three months for you and your family. The cover includes overseas medical and hospital expenses, lost luggage, travel delay and more. You'll need to use your card to cover at least $500 of your prepaid travel costs to activate the insurance.
Extended warranty. You'll receive complimentary extended warranty insurance on purchases for up to 12 months on the manufacturer's Australian warranty.
Mobile payment technology. Make contactless payments with your eligible phone or device by adding this credit card to your Google Pay, Apple Pay or Samsung Pay wallet.

Rates & fees

Annual fee. Outside of any promotions, the BankSA Amplify Qantas Platinum charges an annual fee of $199.
Purchase interest rate. Your purchases will be charged interest at the variable 19.49% p.a. purchase interest rate.

Cash advances. When you use your card for a cash advance, such as an ATM withdrawal, you'll be charged the 21.49% p.a. variable cash advance interest rate from the day the transaction is made, as well as a one-time cash advance fee of 3% of each cash advance amount.
Interest-free period. You will receive up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
Credit limits. The credit limit ranges from $6,000 to $80,000.
Additional cardholder. You can earn more points when you add 1 additional cardholder to your account for no additional fee.

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Amy Finder

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Steven

March 09, 2024

Would I be eligible to get the Qantas bonus points even though I had a St.george amplify card less than 6 months ago?

Elizabeth Barry Finder

March 26, 2024

Hi Steven,

Unfortunately you are ineligible as you need to have not held a card for the previous 12 months. You can compare other frequent flyer credit cards here.

I hope this helps,

Elizabeth

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Wendy

March 31, 2023

I had a Bank SA housing loan approx 1982-1988. Can I apply for this credit card?

Amy Bradney-George Finder

March 31, 2023

Hi Wendy,

Yes, you would be eligible to apply. According to the terms and conditions, this offer is not available to “existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by BankSA, St.George or Bank of Melbourne, or who have held one in the last 12 months”. So, as long as you don’t have one of those cards and meet the other eligibility requirements, you can apply. I hope that helps.

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Justin

February 01, 2019

Hi,

I currently have a St George Amplify Platinum, can I still qualify for the Bonus Points on signing up for this card? I know BoM Amplify Platinum had a ‘no ‘ clause if you had closed a BoM/St Geo/ BSa/Amplify rewards cards in the past 12 months?

Val Finder

February 06, 2019

Hi Justin,

Thank you for leaving a question. Yes, when you apply and are approved for the BankSA Amplify Platinum Qantas card by 22 May 2019, you can score 50,000 bonus Qantas Points when you spend $2,000 within 90 days of approval.

Hope this helps.

Cheers,

Val

Marie

October 29, 2018

Are there are any credit cards open to non residents (eg student visa dependant with more than 60k salary) that have bonus quantas frequent flyers points?

Nikki Angco

October 29, 2018

Hi Marie,

Thanks for visiting Finder!

You can go to this page that lines up the list of credit cards for non-residents. On the page includes some credit cards that earns Qantas points.

Hope this helps! Feel free to reach out again if you have any questions, we’re on standby.

Regards,

Nikki

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BankSA Amplify Qantas Platinum

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