BankSA Amplify Signature Credit Card

Offers up to 200,000 bonus Amplify Points, but you'll need to keep the card for at least 2 years to get them all.

The BankSA Amplify Signature offers one of the biggest bonus point offers on the market when you apply by 30 November 2021. With this offer, you can earn 100,000 bonus Amplify Points in the first year, plus another 100,000 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 if you spend at least $24,000 in the first 24 months.

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Bonus points

19.74% p.a.

Purchase rate


Reward points

Per $ spent

$279 p.a.

Annual fee

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Product NameBankSA Amplify Signature
Rewards programAmplify Rewards
Balance transfer rate0% p.a. for 15 months with 1% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate19.74% p.a.
Annual fee$279
Interest-free periodUp to 55 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$15,000
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes - Conditions apply


  • 100,000 bonus points in the first year and 100,000 bonus points in the second year (200,000 points total) when you spend at least $12,000 per year
  • 0% p.a. on balance transfers for the first 15 months
  • 2 complimentary airport lounge passes per year
  • Complimentary overseas travel insurance for up to 6 months


  • Charges a 1% balance transfer fee
  • Spend requirement is high and staggered over 2 years
  • Charges a 3% foreign transaction fee
Rewards programAmplify Rewards
Bonus points200,000
Rewards points per $ spent1.5
Rewards points capUncapped
Annual fee$279
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% or $2.50, whichever is greater
Additional cardholder fee$0
Number of additional cardholders1

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

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.

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.

Card benefits

  • Up to 200,000 bonus Amplify Points. Apply by 30 November 2021 to receive 100,000 bonus Amplify Points in the first year when you spend $12,000 on eligible purchases over the course of the year and another 100,000 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.
  • Balance transfer offer. Apply by 30 November 2021 and take advantage of a 0% interest rate for the first 15 months on balance transfers (with a one-time 1% balance transfer fee). 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.

Rates & fees

  • Annual fee. 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).

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    Default Gravatar
    December 8, 2018

    I cannot see the Go to Site button.

      Avatarfinder Customer Care
      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.


    Default Gravatar
    April 2, 2018


      Avatarfinder Customer Care
      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.


      Default Gravatar
      April 2, 2018

      Thank You So much

    Default Gravatar
    February 8, 2018

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

      Default Gravatar
      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.


    Default Gravatar
    January 14, 2018

    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,

      Default Gravatar
      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


    Default Gravatar
    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?

      Default Gravatar
      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.


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