BankSA Amplify Signature Credit Card – Rates and Fees

Receive 100,000 bonus Amplify points, complimentary airport lounge passes and insurance and a reduced first year annual fee.

The BankSA Amplify Signature credit card offers new cardholders 100,000 bonus Amplify points when they apply by 23 January 2019 and spend $4,000 within 90 days of card approval. You can also look forward to a reduced annual fee of $179 in the first year, rewards points per $1 spent, competitive interest rates and premium card features.

If you prefer to earn Qantas Points for your spending, consider the BankSA Amplify Signature - Qantas.

Product NameBankSA Amplify Signature
Rewards ProgramAmplify Rewards
Purchase rate (p.a.)19.49% p.a.
Offer end date23 January 2019
Annual fee$179 p.a. annual fee for the first year ($279 p.a. thereafter)
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.
$80,000
Card TypeVisa
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 InsuranceYes
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationYes
Annual fee$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Minimum Monthly Repayment2% or $10, whichever is greater
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
Cash Advance Fee2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
Overseas Cash Advance Fee2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • Receive 100,000 bonus Amplify Points when you apply by 23 January 2019 and spend $4,000 within 90 days from card approval.
  • Save $100 with a discounted annual fee of $179 in the first year.
  • Get access to two complimentary airport lounge passes per year.
  • This card comes with a range of complimentary insurance covers, including international travel insurance.

Cons

  • Both purchase rates and cash advance rates are relatively high.
  • Annual fee reverts to $279 after the first year.
Rewards ProgramAmplify Rewards
Bonus Points100,000 bonus points
Rewards Points per $ spent (VISA/MC)1.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the BankSA Amplify Signature Credit Card

  • Bonus points. Earn 100,000 bonus Qantas or Amplify points when you spend $4,000 within 90 days of card approval. To take advantage of this offer, you must apply and be approved by 23 January 2019.
  • Reduced annual fee in the first year. Apply by 23 January 2019 and benefit from a reduced annual fee of $179 in the first year, saving you $100.
  • Amplify Rewards. For each eligible dollar spent at an Australian or overseas retailer, you will earn Amplify Points, uncapped.
  • Relax pre-flight. Enjoy first class pre-flight treatment courtesy of the complimentary lounge passes. You are eligible to 2 Priority Pass lounge visits every year.
  • Complimentary insurances. There are 3 complimentary insurance policies included with this card: overseas travel insurance, extended warranty insurance, and price guarantee cover.
  • 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.
  • 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:

  • 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 19.49% p.a. (variable).
  • Interest-free days. Get up to 55 days interest-free on purchases when you pay your balance in full.
  • Additional cardholder. You can add 1 extra cardholder to your credit card free of charge.

How to apply for the BankSA Amplify Signature Credit Card

Eligibility criteria

The application should take approximately 10 minutes. To start the application process, you can do it easily online, in-branch or over the phone. You'll also need to meet the following eligibility requirements:

  • You must be at least 18 years of age
  • You must be 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, passport or Medicare card number
  • Information about your assets, investment and savings
  • Information about your liabilities and these include: credit cards and store accounts
  • Income details (after tax)
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15 Responses

  1. Default Gravatar
    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

    • finder Customer Care
      MayApril 2, 2018Staff

      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

    • Default Gravatar
      April 2, 2018

      Thank You So much

  2. Default Gravatar
    ashaFebruary 8, 2018

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

    • finder Customer Care
      JoelFebruary 28, 2018Staff

      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

  3. Default Gravatar
    DougJanuary 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,

    • Default Gravatar
      ArnoldJanuary 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

  4. 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
      JonathanOctober 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

  5. Default Gravatar
    LuiJanuary 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?

    • finder Customer Care
      MayJanuary 19, 2017Staff

      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

  6. Default Gravatar
    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?

    • finder Customer Care
      MayMay 23, 2016Staff

      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

  7. Default Gravatar
    KENJanuary 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?

    • finder Customer Care
      DebbieJanuary 17, 2016Staff

      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

Credit Cards Comparison

Rates last updated October 20th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
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 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.

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.

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