BankSA Amplify Card – Details and Application

Be rewarded for your everyday spending and enjoy a 0% p.a. interest rate for the first 14 months on purchases.

As a part of the BankSA Amplify Rewards program, you can choose whether you earn Qantas or Amplify Points. This no-frills rewards card offers points, a purchase offer and flexible redemption options for a competitive annual fee.

Customers who apply before 23 January 2019 will be eligible for a 0% p.a. interest rate for the first 14 months on purchases.

Product NameBankSA Amplify
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Purchase rate (p.a.)0% p.a. for 14 months (reverts to 19.49% p.a.)
Offer end date23 January 2019
Annual fee$79 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)20.24% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Max credit limit
This credit limit may not be issued to you immediately upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
$80,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationYes
Annual fee$79 p.a.
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Cash Advance Fee2%
Overseas Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • 0% p.a. interest on purchases for the first 14 months.
  • Choose between the Qantas Frequent Flyer program and Amplify Rewards.

Cons

  • The Amplify Qantas option only lets you earn 0.5 Qantas Point per $1 spent, which is not competitive when compared to the average among other cards of 1:1.
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Rewards Points per $ spent (VISA/MC)0.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of using a BankSA Amplify Card

The BankSA Amplify Card provides you with a number of benefits that make it a valuable option for a rewards credit card:

  • 0% p.a. for 14 months. Enjoy a 0% p.a. purchase interest rate for the first 14 months when you apply and get approved by 23 January 2019.
  • Rewards program. You get to choose whether to use this card to earn Amplify Points or Qantas Points. With Amplify, you get 1 point per dollar, while the earn rate is 0.5 points per dollar if you choose Qantas. Both programs also offer you ways to earn bonus points through purchases with their partners. With Qantas this will happen twice, first with your Amplify credit card, and then again with the partner. Both programs give you the chance to earn points for flights or valuable merchandise from their online stores, providing you with a great deal of flexibility in how you use your points.
  • Uncapped points. No matter which rewards program you choose, your point earning ability will not be capped.
  • Interest-free days on purchases. You can get up to 55 days interest-free on purchases. In order to qualify, you must pay your balance off in full each month.

Features of the BankSA Amplify Card

There are elements to some of the features of this credit card that will make it stand out. Yet before making a final choice be sure to make comparisons with various cards and determine which suits your needs in the best way:

  • Cash advance rate. If you use the card to withdraw cash over the counter or at an ATM the balance of that transaction is charged at a rate of 20.24% p.a. (variable).
  • Annual fee. This card charges a standard annual fee of $79.
  • Foreign transaction fee. 3% of the Australian dollar amount is charged for any transaction based outside of Australia.
  • Minimum credit limit. The minimum amount of credit that will be offered to you is $500. This amount could be higher depending on your income and credit history.
  • Additional cardholders. You are allowed 1 additional card at no cost provided that the user is at least 16 years of age.

Reward credit cards provide Australians a great way to make their spending count for them. If you want flexibility in your rewards programs, yet a simple account to manage with a number of money savings perks, then the Amplify card is one to consider.

How to apply for the BankSA Amplify Card

BankSA will give you a response in 60 seconds when you apply online. Check that you meet the eligibility criteria before completing the secure online application form if you have found that this is the right credit card for you:

Eligibility criteria

  • You must be at least 18 years of age.
  • You must be a permanent resident of Australia.

Required information

Having the following documentation within arm’s reach will make filling in the application easier:

  • Two forms of identification are required for BankSA to be able to confirm your identity.
  • Your employer’s name and contact information
  • Pay slips, current tax documents or bank deposits can all be used to show a steady income.
  • The amount of money you are spending on your monthly expenses
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12 Responses

  1. Default Gravatar
    KennethApril 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.

    • finder Customer Care
      SharonApril 12, 2016Staff

      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
    jamesMarch 18, 2015

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

    • finder Customer Care
      JonathanMarch 18, 2015Staff

      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
    MalcolmNovember 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%?

    • finder Customer Care
      ElizabethNovember 19, 2014Staff

      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
    KarenSeptember 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 #

    • finder Customer Care
      ShirleySeptember 19, 2014Staff

      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
    MichelleAugust 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?

    • finder Customer Care
      JacobAugust 1, 2013Staff

      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
    LynneApril 2, 2013

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

    • finder Customer Care
      MarcJune 17, 2013Staff

      Hello Lynne,
      thanks for the question!

      There is no point cap associated with this card.

      Cheers,
      Marc.

Credit Cards Comparison

Rates last updated December 18th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
NAB Low Fee Platinum Card
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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