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Receive a long-term introductory interest rate of 0% p.a. on balance transfers for the first 12 months, plus earn uncapped reward points for spending.
The BankSA Amplify Signature Credit Card offers new cardholders a 0% p.a. balance transfer rate for 12 months if they apply by 20 September 2017. Also look forward to earning rewards points per $1 spent, competitive interest rates and premium card features including complimentary airport lounge passes.
| Product Name | BankSA Amplify Signature |
|---|---|
| Rewards Program | Amplify Rewards |
| Balance transfer rate (p.a.) | 0% p.a. for 12 months |
| Balance Transfer Revert Rate The interest rate after the balance transfer ends. | Purchase Rate (19.49% p.a.) |
| Balance Transfer Limit | 95% of available credit limit |
| Purchase rate (p.a.) | 19.49% p.a. |
| Offer end date | 20 September 2017 |
| Annual fee | $279 p.a. |
| Interest Free Period The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement. | 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. | $15,000 |
| Max credit limit This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account. | $75,000 |
| Minimum Monthly Repayment | 2% or $10, whichever is greater |
| Minimum Income | $75,000 |
| Card Type | Visa |
| 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 |
| Complimentary Travel Insurance | Yes |
| Available To Temporary Residents | No |
| Joint Application | Yes |
| Minimum Income | $75,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available to Temporary Residents | No |
| Credit Rating Requirement Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here. | Good |
| 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. | $15,000 |
| Max Credit Limit This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account. | $75,000 |
| Annual Fee | $279 p.a. |
|---|---|
| Minimum Repayment | 2% or $10, whichever is greater |
| Late Payment Fee | $15 |
| Over Limit Fee | $0 |
| Cash Advance Fee | 2% of the transaction or $2.50, whichever is higher |
| Overseas Cash Advance Fee | 2% of the transaction or $2.50, whichever is higher |
| Overseas Emergency Replacement | $52.50 |
| Overseas ATM Withdrawal Fee | $5 |
| 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 |
| Gambling Transactions Allowed | No |
| Additional Cardholder Fee | $0 p.a. |
| Number of Additional Cardholders | 1 |
| BPAY | Yes |
| Cheque | Yes |
| Direct Debit | Yes |
| Australia Post | Yes |
| Phone Banking | Yes |
| Internet Banking Transfers | Yes |
| In Branch | Yes |
| Yes |
| Rewards Program | Amplify Rewards |
|---|---|
| Rewards Points per $ (VISA/MC) | 1.5 |
| Rewards Points per $ (AMEX) | 0 |
| Rewards Points per $ (VISA/MC) Cap | Uncapped |
| Rewards Points per $ (AMEX) Cap | N/A |
| Points Expiry | Never |
BankSA Amplify Signature Credit Card review
Receive complimentary overseas travel cover for up to 6 months. This covers the cardholder and family and it includes your overseas medical expenses, trip cancellation and car rental excess.
Benefits of the BankSA Amplify Signature Credit Card
- Balance transfer offer. Get a low balance transfer offer of 0% p.a. for 12 months on your credit card debt if you apply by 20 September 2017.
- Annual fee. BankSA Amplify Signature Credit Card is available at an annual credit card fee of $279.
- Amplify Rewards. For each eligible dollar spent at an Australian retailer, you get to earn 1.5 Amplify Points. If you make purchases at an overseas merchant, you earn 3 Amplify Points.
- Amplify Qantas. If you are a member of the Qantas Frequent Flyer Program, you can choose to accumulate Qantas reward points instead of Amplify rewards. However, the earnings ratio is less. With purchases made at Australian merchants, you earn 0.75 Qantas Points for every dollar spent. With transactions made with overseas merchants, you earn 1.5 Qantas Points for every dollar spent.
- Redeeming Points. Amplify Points can be redeemed for gift cards, retail vouchers, home wares and much more. Qantas Points on the other hand can be redeemed to access more than 3,000 products, vouchers and experiences offered by the Qantas Frequent Flyer program.
- Extended warranty insurance. You get an extended warranty period on your Australian manufacturer's warranty. If for example an item you purchased comes with a 6-month warranty, the entire warranty period will be 1 year and 6 months.
- Price guarantee cover. The price guarantee is only available with eligible purchases. If your find a cheaper price on an item bought within 21 days you can claim the price difference.
- 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 take your trip with Amplify Signature.
- Relax pre-flight. Enjoy first class pre-flight treatment courtesy of the complimentary lounge passes. This is available with both Amplify Qantas and Amplify Rewards. If you accumulate Amplify Rewards, you are eligible to 2 Priority Pass lounge visits every year. If you are enrolled for the Amplify Qantas program, you get access for two to a Qantas Club lounge.
- Dedicated customer service line. Cardholders have access to a dedicated Signature Priority service line and this is available 24/7.
Features of the BankSA Amplify Signature Credit Card
Below are some of the notable features that you can access with this credit card:
- Exclusive Signature benefits. The credit card offers a wide range of Signature benefits. They vary from free lounge visits for two to hotel benefits such as VIP guest status, extended checkout time and much more.
- Complimentary insurances. There are 3 complimentary insurance policies available. These are overseas travel insurance, extended warranty insurance, and price guarantee.
- Security. The credit card is monitored 24/7 with Falcon Fraud monitoring.
- Additional cardholder. You can add 1 extra cardholder to your credit card free of charge.
- Rewards. Two rewards programs are available namely: Amplify Rewards and Amplify Qantas. You can also earn bonus rewards or double rewards when you spend your credit card internationally.
How to apply for the BankSA Amplify Signature Credit Card
Eligibility criteria
The application process should take approximately 10 minutes. To start the application process, you must first complete an online application. You'll also need to meet the following eligibility requirements:
- 18 years or older
- A permanent Australian resident
Required documents
You can save your application if you don't have all the information required to complete it. You have 30 days to complete your application. The following information will be required:
- Your driver's licence number
- Information on your assets, investment and savings
- Information on your liabilities and these include: credit cards and store accounts
- Weekly income details (after tax)
Existing BankSA customers will not need to update their personal details when applying for the credit card. If you need to change your personal details, you can get in touch with customer service.
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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?
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
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?
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
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?
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