BankSA Amplify Card – Details and Application

Reward your everyday spending and save with a 0% p.a. interest rate on purchases for the first 14 months.

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

When you apply by 2 October 2019, you’ll pay no interest on purchases for the first 14 months. At the end of the introductory period, any remaining balances will collect the standard purchase interest rate and you can take advantage of up to 55 interest-free days when you pay your account in full each month.

Product NameBankSA Amplify
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Purchase rate (p.a.) 0% for 14 months, reverts to 19.74% p.a.
Offer end date2 October 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.)21.49% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$500
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
$80,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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 ResidentsNo
Joint ApplicationYes
Annual fee$79 p.a.
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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% of the value of the transaction or minimum charge of $2.50
Overseas Cash Advance Fee2%
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 Points 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 the BankSA Amplify Card

  • 0% p.a. on purchases for 14 months. Enjoy a 0% purchase interest rate for the first 14 months when you apply and get approved by 2 October 2019.
  • 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. You can redeem your Amplify or Qantas points for flights, gift cards or valuable merchandise from the rewards program online stores.
  • Uncapped points. No matter which rewards program you choose, your points earning ability will not be capped.

Features of the BankSA Amplify Card

  • Annual fee. This card charges a $79 annual fee.
  • Purchase interest rate. Outside of any promotions, this card charges a 19.74% p.a. interest rate.
  • Interest-free days on purchases. When you pay your balance in full at the end of the statement period, you can get up to 55 days interest-free on purchases.
  • Cash advances. If you use your card for cash advances, such as ATM withdrawals, you'll be charged the 21.49% p.a. interest rate.
  • Foreign transaction fee. You'll be charged 3% of the Australian dollar amount when you use your card to spend overseas or shop online with an international merchant.
  • Minimum credit limit. You can request a credit limit for as low as $500.
  • Additional cardholders. You can link 1 additional card to the account at no extra cost provided that the cardholder is at least 16 years of age.

How to apply for the BankSA Amplify Card

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.
  • Residency. You must be an Australian citizen or permanent resident.

Documents and details to provide

  • Personal information. This includes your full name, date of birth, contact information, marital status and number of financial dependents.
  • Identification. Such as your Australian driver's licence number, Medicare card, passport, Australian birth certificate or NSW photo card.
  • Income and employment. Confirm your annual income and your current place of employment. You may be asked to provide your employer's contact details as well.
  • Finances. This includes any assets including investments or savings as well as liabilities such as existing debts or loans.
Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

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.

    • Avatarfinder 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?

    • Avatarfinder 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%?

    • Avatarfinder 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 #

    • Avatarfinder 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?

    • Avatarfinder 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

    • Avatarfinder 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 May 26th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate 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 long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

Compare up to 4 providers

* 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.

Ask a question
Go to site