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BankSA Amplify Signature Credit Card

Amy Bradney-George
Amy Bradney-George
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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 02 October 2019 to take advantage of a discounted $179 first year annual fee (saving you $100) and a 24-month bonus point offer.

200,000

Bonus points

19.74% p.a.

Purchase rate

1.5

Reward points

Per $ spent (Visa/Mastercard)

$179 p.a.

Annual fee

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

Find out more Go to BankSA's site

Details

Product NameBankSA Amplify Signature
Rewards ProgramAmplify Rewards
Balance Transfer Rate0% p.a. for 6 months
Balance Transfer Revert RateCash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available balance
Purchase Rate19.74% p.a.
Annual Fee$179 for the first year ($279 thereafter)
Interest Free Period55 days
Cash Advance Rate21.49% p.a.
Minimum Credit Limit$15,000
Maximum Credit Limit$80,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationYes

Pros

  • 100,000 bonus Amplify Points in the first year plus another 100,000 bonus points in the second year (total of 200,000 points) when you spend at least $12,000 on eligible purchases each year.
  • Discounted $179 annual fee for the first year.
  • Two complimentary airport lounge passes per year.
  • Complimentary insurance covers, including international travel insurance.

Cons

  • Both the purchase rate and cash advance rate are relatively high.
Rewards ProgramAmplify Rewards
Bonus Points200,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)1.5
Rewards Points per $ Cap (Visa/Mastercard)Uncapped
Annual Fee$179 for the first year ($279 thereafter)
Minimum Monthly Repayment2% 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 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
Go to BankSA's siteMore info

Expert review

Amy Bradney-George

Review by

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.

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. You must be an Australian citizen or permanent resident.
Go to BankSA's siteMore info

Card benefits

  • Up to 200,000 bonus Amplify Points. Apply by 02 October 2019 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.
  • Discounted annual fee for the first year. Apply by 02 October 2019 and benefit from a discounted $179 first year annual fee, saving you $100.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $279. This makes it important to think about whether the value you will get from rewards and other benefits can justify the account cost.
  • 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).
Go to BankSA's siteMore info

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17 Comments

  1. Default Gravatar
    julien
    December 8, 2018

    I cannot see the Go to Site button.

    Reply
    • AvatarStaff
      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
  2. Default Gravatar
    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
    • AvatarStaff
      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
    • Default Gravatar
      CLAUDIO
      April 2, 2018

      Thank You So much

      Reply
  3. Default Gravatar
    asha
    February 8, 2018

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

    Reply
    • Default Gravatar
      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
  4. Default Gravatar
    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
    • Default Gravatar
      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
  5. Default Gravatar
    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
    • Default Gravatar
      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
  6. Default Gravatar
    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
    • AvatarStaff
      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
  7. Default Gravatar
    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
    • AvatarStaff
      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
  8. Default Gravatar
    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
    • AvatarStaff
      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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