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BankSA Amplify Card

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Reward your everyday spending and take advantage of up to 55 interest-free days on purchases.

With the BankSA Amplify card, you can choose to reward your spending with either Qantas or Amplify Points for a competitive annual fee.

6.99% p.a.

Balance transfer rate

for 12 months

19.74% p.a.

Purchase rate

1

Reward point

Per $ spent

$79 p.a.

Annual fee

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Details

Product NameBankSA Amplify
Rewards programAmplify Rewards / Qantas Frequent Flyer
Balance transfer rate6.99% p.a. for 12 months
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate19.74% p.a.
Annual fee$79
Interest-free period55 days
Cash advance rate21.49% p.a.
Min credit limit$500
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes - Conditions apply

Pros

  • Choice of the Qantas Frequent Flyer program and Amplify Rewards
  • Up to 55 days interest-free on purchases

Cons

  • The Amplify Qantas option earns a relatively low 0.5 Qantas Points per $1 spent
  • Does not offer travel perks or insurance covers
Rewards programAmplify Rewards / Qantas Frequent Flyer
Rewards points per $ spent1
Rewards points capUncapped
Annual fee$79
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Expert review

Sally McMullen

Review by


Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The low annual fee and relatively high purchase interest rate on the BankSA Amplify Card make it well-suited to new points collectors who don’t spend a lot on plastic and pay off their balance from month to month. It also offers fewer extra features (insurance, lounge passes, etc.) than you’d expect from some more expensive rewards cards.

How to apply

You can apply for the BankSA Amplify Card online in 10 minutes and receive an instant response. Before you get started, check if you meet the eligibility criteria and have the necessary information to complete the application:

Eligibility criteria

  • Age. You must be at least 18 years old to apply.
  • Residency. To apply online, you must be an Australian citizen or permanent resident.

Card benefits

  • Rewards program. You can choose whether to earn Amplify Points or Qantas Points. You'll earn 1 Amplify Point per $1 spent or 0.5 Qantas Points per $1 spent depending on which program you go with. If you opt for Qantas Points, you can earn extra points when you use your card to spend with partners.
  • Uncapped points. No matter which rewards program you choose, your points earning ability will not be capped.

Rates & fees

  • Annual fee. This card charges a $79 p.a. annual fee.
  • Purchase interest rate. The variable interest rate that applies to purchases is 19.74% p.a.

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12 Comments

  1. Default Gravatar
    Kenneth
    April 12, 2016

    If I use my BankSA Amplify (Qantas FF) for my direct debits, eg; House Insurance, Car Insurance, Car Registration and other Direct Debits, Do I accumulate frequent flyer points, for such transactions ?
    (2) I understand if I use Bpay (from my Credit Card) to pay such accounts as Gas & Electricity, I can also receive points, is this correct.

    Many thanks.

    • Avatarfinder Customer Care
      Sharon
      April 12, 2016

      Hi Kennenth, thanks for your inquiry.

      As per BankSa’s Amplify Terms and Conditions, BPAY payments (i.e. bill payments and
      other payments made through the BPay Electronic Payments Scheme) will not earn reward points.

      For more details, kindly refer to PDF I have sent to your email.

      I hope this helps.

      Thanks,

      Sharon

  2. Default Gravatar
    james
    March 18, 2015

    With the Amplify Qantas, is one $1 equal to one frequent flyer?

    • Avatarfinder Customer Care
      Jonathan
      March 18, 2015

      Hi James, thanks for your inquiry!

      The earnings rate for Amplify Rewards points on this card is 1 point per $1 spent. The conversion rate from Amplify Rewards to Qantas points is 1.00 Amplify point to 0.5 Qantas Points.

      Cheers,

      Jonathan

  3. Default Gravatar
    Malcolm
    November 19, 2014

    Foreign Currency Conversion Fee (VISA) = 3% of transaction value

    Is this at the official Visa rate or does the bank mark-up the Visa rate and then apply the 3%?

    • Avatarfinder Customer Care
      Elizabeth
      November 19, 2014

      Hi Malcolm,

      Thanks for your question.

      This rate is set by BankSA. You will only be charged this rate for a foreign conversion fee, as they do not add this on top of any rate set by Visa.

      I hope this has helped.

      Thanks,

      Elizabeth

  4. Default Gravatar
    Karen
    September 18, 2014

    I am interested in applying for your credit card but every time I click to GO TO SITE on the web it does not work. I also have some questions. Could I please have a tel #

    • Avatarfinder Customer Care
      Shirley
      September 19, 2014

      Hi Karen,

      Thanks for your question.

      Please note that sometimes if you’re trying to apply from work, there are settings in place that won’t let the page load. However, if you’re applying from home and the page isn’t loading, you can contact us on (02) 9299 7602.

      All the best,
      Shirley

  5. Default Gravatar
    Michelle
    August 1, 2013

    I have a BankSA MasterCard, which has just had the annual fee of $55 taken out. If I wanted to upgrade to Amplify Qantas card with annual fee of $79 – can I just pay the difference to switch cards?

    • Avatarfinder Customer Care
      Jacob
      August 1, 2013

      Hi Michelle.
      Thanks for your question.
      Has your annual fee ben reduced as part of a home loan package? If so, you may be able to arrange a discount on a new credit card with the lender, but you will have to speak directly to BankSA to confirm you’re eligibility for a reduced annual fee. They may be able to offer an upgrade to their existing customers.
      Jacob.

  6. Default Gravatar
    Lynne
    April 2, 2013

    Is the amounts of points capped per year that I can accrue Thank you

    • Avatarfinder Customer Care
      Marc
      June 17, 2013

      Hello Lynne,
      thanks for the question!

      There is no point cap associated with this card.

      Cheers,
      Marc.

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