In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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BankSA Amplify Business Credit Card

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BankSA Amplify Business Credit Card
Terms and conditions apply
Purchase rate
19.49% p.a.
Reward point per $ spent
Annual fee for the first year ($89 p.a. thereafter)
$0 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers a $0 annual fee for the first year and uncapped rewards points.

The BankSA Amplify Business credit card is designed to reward your business spending with points that you can then use for business travel, to reward employees and more. This card also charges a low annual fee compared to some other business rewards cards, but it has a high 19.49% p.a. purchase interest rate and is best suited to cardholders who pay their balance in full each month.


  • $0 annual fee for the first year
  • Uncapped points on business purchases
  • Complimentary transit accident, business inconvenience and unauthorised transaction insurances


  • Charges a foreign transaction fee of 3%
  • Relatively high purchase rate of 19.49% p.a.

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The BankSA Amplify Business credit card offers a $0 first-year annual fee and up to 3 additional cards to manage your employee spending.


Product details

Product Name BankSA Amplify Business Credit Card
Purchase rate p.a.
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 20.24%
Min credit limit $1,000
Max credit limit $80,000
Card type Visa


Available to temporary residents No
Joint application No


Rewards program Amplify Rewards / Qantas Frequent Flyer
Bonus points N/A
Rewards points per $ spent 1


Annual fee
$0 first year ($89 after)
Late payment fee $0
Foreign currency conversion fee
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0
Number of additional cardholders 3

How to apply

You can apply for the BankSA Amplify Business credit card online in around 10-20 minutes and receive a response instantly. Before you get started, check if you and your business meet the eligibility criteria and that you have the necessary information to complete the application.

Eligibility criteria

  • Residency. You must be a permanent Australian resident.
  • Business use. Confirm that you're using the card for business or investment.

Card benefits

  • First-year annual fee waiver. Save with a $0 annual fee for the first year. The standard annual fee of $89 will be debited to your account 12 months from your first transaction and annually thereafter on the anniversary of the first annual fee.
  • Reward points. BankSA Amplify Business cardholders can choose to earn either Amplify Rewards or Amplify Qantas rewards. If you choose Amplify Rewards, you'll earn 2 points per $1 with international merchants, 1 point per $1 spent in Australia and 0.5 points per $1 for government charges (including ATO payments). Amplify Qantas offers 1 Qantas Point per $1 spent with international merchants, 0.5 points per $1 spent with Australian merchants and 0.25 points per $1 for government charges. You will need to be an existing Qantas Frequent Flyer member or sign up to become a Qantas member before you can earn Amplify Qantas rewards. Both rewards programs offer uncapped earn rates.

Rates & fees

  • Annual fee. Outside of any promotions, the BankSA Amplify Business credit card charges a standard annual fee of $89.
  • Purchase interest rate. This card has a variable interest rate of 19.49% p.a. for purchases if you carry a balance.

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