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BankSA Amplify Signature Credit Card

Last updated: 18 November 2019

Receive up to 200,000 bonus Amplify Points and a discounted annual fee in the first year with a BankSA Amplify Signature credit card.

Apply for the BankSA Amplify Signature by 12 February 2020 to take advantage of a discounted $139 first year annual fee (saving you $140) and a 24-month bonus point offer.

With this bonus points offer, you can earn 130,000 bonus Amplify Points in the first year, plus another 70,000 points in the second year when you spend at least $12,000 on eligible purchases each year. This works out to a total of 200,000 bonus points for a minimum spend of $24,000 in the first 24 months.

Terms and conditions apply

Find out more Go to site

200,000

Bonus points

19.74% p.a.

Purchase rate

1.5

Reward points

Per $ spent (Visa/Mastercard)

$139 p.a.

Annual fee

for the first year ($279 p.a. thereafter)

Details

Product Name	BankSA Amplify Signature
Rewards Program	Amplify Rewards
Balance transfer rate	0% p.a. for 6 months
Balance Transfer Revert Rate	Cash Advance Rate (21.49% p.a.)
Balance Transfer Limit	80% of available balance
Purchase rate (p.a.)	19.74% p.a.
Annual fee	$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Interest Free Period	55 days
Cash Advance Rate	21.49% p.a.
Minimum Credit Limit	$15,000
Maximum Credit Limit	$80,000
Card Type	Visa
Foreign Currency Conversion Fee (Visa/Mastercard)	3% of transaction value
Complimentary Travel Insurance	Yes

Minimum Age	18 years of age
Available to Temporary Residents	Yes - Conditions apply
Joint Application	Yes

Pros

130,000 bonus points in the first year and 70,000 bonus points in the second year (200,000 points total) when you spend at least $12,000 per year
Reduced annual fee of $139 for the first year
2 complimentary airport lounge passes per year
Complimentary overseas travel insurance for up to 6 months

Cons

Spend requirement is high and staggered over 2 years
A relatively high standard annual fee of $279 applies after the first year
Charges a 3% of transaction value foreign transaction fee

Rewards Program	Amplify Rewards
Bonus Points	200,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)	1.5
Rewards Points per $ Cap (Visa/Mastercard)	Uncapped

Annual fee	$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Minimum Monthly Repayment	2% of the closing balance or $10, whichever is greater
Late Payment Fee	$15
Foreign Currency Conversion Fee (Visa/Mastercard)	3% of transaction value
Cash Advance Fee	2% or $2.50, whichever is greater
Overseas Cash Advance Fee	2% or $2.50, whichever is greater
Additional Cardholder Fee	$0
Number of Additional Cardholders	1

Go to BankSA's site More info

Expert review

Review by

Amy Bradney-George

amy.bradney-george@finder.com

Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

The BankSA Amplify Signature is a premium rewards credit card that offers 1.5 Amplify Points per $1 spent, 2 Priority Pass lounge visits each year and complimentary travel insurance. You can also get access to exclusive hotel benefits through Visa Luxury Hotels and other premium Visa offers.

To get the most value from the 200,000 bonus point offer currently on this card, you’ll need to use it for at least 2 years. In that time, you will also have to spend an average of $1,000 on eligible purchases each month. If you meet the offer requirements, though, you could redeem your bonus points for 100,000 frequent flyer points with Velocity Frequent Flyer, Singapore Airlines KrisFlyer or Malaysia Airlines Enrich. Or – if you’re more interested in putting a fixed dollar value on this bonus point offer – you could redeem them for $900 worth of David Jones eGift cards.

Beyond rewards value, it’s important to think about the card’s costs. This includes a variable interest rate of 19.74% p.a. for purchases that is at the higher end of the scale, as well as the $139 annual fee for the first year ($279 p.a. thereafter). So if you want to keep the card beyond the 2-year introductory period, think about whether the potential value you can get from this card is enough to justify these costs.

How to apply

You can apply for the BankSA Amplify Signature online in around 10 minutes. To get started, check that you meet the following eligibility criteria and have all the documents and details needed to complete your application

Eligibility criteria

New cardholder. The bonus point offer on this card is only available if you are a new cardholder and have not held an Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA in the last 12 months.
Residency. To apply online, you must be an Australian citizen or permanent resident.

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

Required documents

Personal details. This includes your name, email address, contact number, residential address and marital status. You also need to provide valid ID, such as your driver's licence or passport.
Employment details. Details you need to provide include your 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. This includes government payments, pensions or other forms of income, as well as 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.
Balance transfer details. If you want to take advantage of the balance transfer offer on this card, you need to include details of the debt, such as the account name, number, provider's BSB and the total amount of debt you want transferred.

Go to BankSA's site More info

Card benefits

Up to 200,000 bonus Amplify Points. Apply by 12 February 2020 to receive 130,000 bonus Amplify Points in the first year when you spend $12,000 on eligible purchases over the course of the year and another 70,000 bonus points in the second year when you meet the same spend requirement. If you do not meet the spend requirement in the first year, you are still eligible to take advantage of the bonus point offer during the second year. Points will be credited to your account within 12 weeks of the spend requirement(s) being met.
Discounted annual fee for the first year. Apply by 12 February 2020 and benefit from a discounted $139 first year annual fee, saving you $140.

Priority Pass lounge visits. You can relax before your next flight in style with 2 Priority Pass lounge visits per year when you use your card to enrol at banksa.com.au/amplifysignature.
Amplify Rewards. For each eligible dollar spent at an Australian or overseas retailer, you will earn 1.5 Amplify Points. This earn rate is uncapped.
Complimentary travel insurance. Get access to overseas travel insurance on trips of up to 6 months when you use your card for at least $500 of prepaid travel expenses (such as flights or accommodation) and have a return ticket. This cover is also offered to your eligible spouse and/or dependent children travelling with you.
Complimentary insurance for purchases. This card offers extended warranty insurance and price guarantee cover for eligible items you buy with it.
Hotel benefits. Credit card holders get to enjoy hotel benefits such as VIP guest status, automatic room upgrades, best rate guarantee and other benefits. These benefits are available as part of the Visa Luxury Hotel Collection when you pay with the Amplify Signature.
Balance transfer offer. Apply by 12 February 2020 and take advantage of a 0% interest rate for the first 6 months on balance transfers. After the promotional period, any balance remaining will be charged at the variable cash advance rate. Note that you can only transfer balances from non-St.George, non-BankSA and non-Bank of Melbourne credit cards to your existing BankSA credit card account.
Mobile payment technology. You can make payments just by tapping your eligible phone or device on the contactless payment terminal if you add this card to your Google Pay or Samsung Pay wallet.

Rates & fees

Annual fee. Outside of any promotions, this card charges a standard annual fee of $279.
Interest rate. If you carry a balance on this card, you will be charged at the purchase interest rate of 19.74% p.a. (variable).

Interest-free days. 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.
Foreign transaction fee. A fee of 3% applies when you use this card to pay for purchases made in a foreign currency or processed overseas.
Cash advances. Cash equivalent transactions and withdrawals attract interest at the variable cash advance rate of 21.49% p.a. You will also be charged a one-time fee of 2% of transaction amount or $2.50, whichever is greater (capped at $150/transaction).
Additional cardholder. You can add 1 extra cardholder to your credit card free of charge.

Go to BankSA's site More info

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17 Comments

julien
December 8, 2018

I cannot see the Go to Site button.

Reply
- Staff
  
  Jhez
  December 12, 2018
  
  Hello Julien,
  
  Thank you for your comment.
  
  If you’re referring to the BankSA Amplify Signature – Online Offer Go to Site button, you can see it above inside the green button at the right side of the screen.
  
  Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
  
  Regards,
  Jhezelyn
  
  Reply
CLAUDIO
April 2, 2018

HI I HAVE JUST APPLIED FOR THIS PARTICULAR CARD AND I WANT TO ADD MY WIFE AS AN ADDITIONAL CARD HOLDER, CAN THIS BE DONE? CHEERS CLAUDIO

Reply
- Staff
  
  May
  April 2, 2018
  
  Hi Claudio,
  
  Thanks for your inquiry.
  
  Yes, that’s possible. Additional cardholder is free. Please contact BankSA directly if you want to add your wife.
  
  Cheers,
  May
  
  Reply
- CLAUDIO
  April 2, 2018
  
  Thank You So much
  
  Reply
asha
February 8, 2018

Do you get Qantas points when paying ATO with BankSA Amplify Signature Card ?

Reply
- Joel
  February 28, 2018
  
  Hi Asha,
  
  Thanks for leaving a question on finder.
  
  Since ATO is a government transaction, you will not get points when make transactions there. While Amplify Points are earned when you purchase goods and services, please note that Amplify Points are not earned in respect of the following amounts that may be charged to your Card Account:
  
  • government charges (other than GST payable in connection with the purchase of goods or services on which you earn Amplify Points)
  • interest and other bank fees and charges (including any GST payable on any of these)
  • cash advances
  • balance transfers
  • BPAY payments, i.e. bill payments and other payments made through the BPAY Electronic Payments Scheme.
  
  Also, if you (or an Additional Cardholder) return any goods or services purchased with the Card or Card Account, or your Card Account is credited in connection with a disputed transaction, St.George will adjust the Amplify Points total earned by deducting any Amplify Points, which were earned in connection with the original or disputed transaction.
  
  Cheers,
  Joel
  
  Reply
Doug
January 14, 2018

Hello,
This add says a new cardholder receives 90,000 bonus Amplify or Qantas points if they apply by 18 April 2018 and meet the spend requirements. Can you please confirm the QANTAS points transferred are 90,000?
Thank you.
Kind regards,

Reply
- Arnold
  January 15, 2018
  
  Hi Doug,
  
  Thanks for your inquiry
  
  Yes, that is correct. The new card holder receives 90,0000 Amplify or Qantas points if you meet the requirements.
  
  Hope this information helps
  
  Cheers,
  Arnold
  
  Reply
Cal
October 11, 2017

Hi! With regards to Qantas FF points, your site mentions we can redeem over 3,000 products, vouchers and experiences on offer under the program but you haven’t actually specified flights. Just to get clarification, are points earned able to be used for flights too?

Reply
- Jonathan
  October 11, 2017
  
  Hello Cal,
  
  Thank you for your inquiry today. :-)
  
  Yes, you can redeem Qantas points on flights such as:
  – Classic Award flights on Qantas and 35 partner airlines
  – Qantas and Jetstar Any Seat Award flights
  – Flight Upgrade Awards on eligible Qantas flights when available
  
  Hope this clarifies.
  
  Cheers,
  Jonathan
  
  Reply
Lui
January 18, 2017

I was wondering which is the better value. Amplify rewards or Qantas rewards. Although amplify rewards gives me 1.5 points for every $ spent and Qantas gives only .75 points. I get the impression that when I compare the same product on both, although qantas gives lower points for $ spent the redemption of points is better value than Amplify rewards. e.g if an item on Amplify Rewards is say 50000 points in value, the qantas rewards for the same product may only be 30000 points. Does this make sense to any one or am I wrong?

Reply
- Staff
  
  May
  January 19, 2017
  
  Hi Lui,
  
  Thank you for your inquiry.
  
  Determining whether who gives a better value between the Amplify and Qantas program actually depends on your preferences and needs and what you think how you could use the rewards they offer. You are actually correct, that in terms of earning points, the Amplify Rewards will allow you get a higher ratio. You can earn 1.5 Amplify Points for each eligible dollar spent at an Australian retailer and 3 Amplify points if you make purchases at an overseas merchant. Whilst the Amplify Qantas have lower earning ratio. You can earn 0.75 Qantas Points for every dollar spent ith purchases made at Australian merchants and 1.5 Qantas Points with transactions made with overseas merchants.
  
  Please note that these points you get do not have a monetary value. So if you want to redeem your points for gift cards, retail vouchers, home wares, etc., you can go for Amplify but if you want to have access to more than 3,000 products, vouchers and experiences offered by the Qantas Frequent Flyer program, you may opt for the Amplify Qantas.
  
  Cheers,
  May
  
  Reply
Peter
May 21, 2016

Hi,

Will the 20 months zero 0% balance transfer for a Bank of SA amplify signature card have to be applied at the time when I apply for the card( ie at the point of card application) ? Or can I do and still enjoy 0% the balance transfer later after card approval?

Reply
- Staff
  
  May
  May 23, 2016
  
  Hi Peter,
  
  Thanks for your inquiry.
  
  With BankSA, you can request a balance transfer when you apply for your credit card and they will arrange to transfer the balance for you. Once your card application is approved, you have to activate your BankSA card for the balance transfer to take place. If you take advantage of a promotional balance transfer rate offer, the period starts when the balance is transferred.
  
  Hope this has answered your question.
  
  Cheers,
  May
  
  Reply
KEN
January 17, 2016

Is the information about the qantas reward points correct for the BankSA Amplify Signature Card. It states 1.50 qantas points for every $ spent. Should this be 0.75 points?

Reply
- Staff
  
  Debbie
  January 17, 2016
  
  Hi Ken,
  
  Thanks for your question.
  
  For BankSA Amplify Signature card, there are two rewards program attached to the product. If you choose Amplify Rewards, you can earn 1.5 points per dollar spent. The other rewards program is the Amplify Qantas which is 0.75 per dollar spent.
  
  To understand more about rewards program for credit cards, kindly check our guide here.
  
  I hope this helps.
  
  Cheers,
  Debbie
  
  Reply

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BankSA Amplify Signature Credit Card

Receive up to 200,000 bonus Amplify Points and a discounted annual fee in the first year with a BankSA Amplify Signature credit card.

Details

Pros

Cons

Expert review

Amy Bradney-George

Expert review

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Ask an expert

BankSA Amplify Signature Credit Card

Receive up to 200,000 bonus Amplify Points and a discounted annual fee in the first year with a BankSA Amplify Signature credit card.

Details

Pros

Cons

Expert review

Amy Bradney-George

Expert review

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Ask an expert

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