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Our verdict

Offers 150,000 bonus Amplify Points and a discounted $199 annual fee in the first year, which goes to $295 p.a. after that.

The BankSA Amplify Signature is a top-tier rewards credit card that offers a lot of value in the first year, with the 150,000 bonus Amplify Points worth $675 in eGift card rewards. To get the bonus points, you need to apply as a new cardholder by 31 July 2024 and spend $12,000 on eligible purchases in the first year. This is a long spend requirement compared to cards offering bonus points in the first few months. But it means you have more time to plan your purchases and repayments.

You'll also get 1.5 Amplify Points per $1 on all eligible spending, 2 Priority Pass airport lounge visits each year, complimentary travel insurance and access to exclusive hotel benefits through Visa Luxury Hotels and other premium Visa offers. It also offers a discounted $199 annual fee in the first year and a $295 annual fee after that, which is on par with other cards that offer more than 1 point per $1 uncapped and similar perks. But if you want to keep the card beyond the introductory period, think about whether the potential value you can get from this card is enough to justify these costs.

Pros

150,000 bonus Amplify Points
Discounted $199 annual fee in the first year
0% p.a. on balance transfers for the first 24 months
Offers complimentary airport lounge passes and overseas travel insurance options

Cons

$295 annual fee after the first year
A 1% balance transfer fee applies
Charges a 3% foreign transaction fee

The BankSA Amplify Signature Credit Card earns reward points that you can redeem for digital gift cards, travel rewards and retail items like coffee machines. You can also transfer points to Velocity Frequent Flyer and Singapore Airlines KrisFlyer. If you're currently focused on paying off credit card debt, it also offers 0% p.a. on balance transfers for the first 24 months, with a one-time balance transfer fee of 1%. But as there are also balance transfer offers with no balance transfer fees and lower annual fees, it's worth comparing other options if this is your main goal right now.

Details

Product details

Product Name	BankSA Amplify Signature
Balance transfer rate p.a.	0% for 24 months with 1% balance transfer fee, then 21.49%
Balance transfer limit	80% of available limit
Purchase rate p.a.	19.49%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.49%
Min credit limit	$15,000
Max credit limit	$80,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Rewards program	Amplify Rewards
Bonus points	150,000
Rewards points per $ spent	1.5
Rewards points cap	Uncapped

Fees

Annual fee	$199 first year ($295 after)
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	3%
Overseas cash advance fee	3% of each cash advance amount
Additional cardholder fee	$0
Number of additional cardholders	1

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.

Eligible balance transfer debt. If you are planning to transfer a balance, you can transfer from $200 up to 80% of your available credit limit from Australian store, charge or credit cards not issued by St.George, Bank of Melbourne or BankSA.
Age. You must be at least 18 years old to apply.

Required documents

Personal details. This includes your name, email address, contact number, residential address and marital status. You also need to provide valid ID, such as your driver's licence or passport.
Employment details. Details you need to provide include your job title, salary and employer's contact details. You may also be asked for documents that verify these details, such as recent payslips or bank statements.
Financial details. This includes government payments, pensions or other forms of income, as well as assets such as savings. You also need to share details of your existing debts, cards and other loans, as well as estimates of your regular household expenses.
Balance transfer details. If you want to take advantage of the balance transfer offer on this card, you need to include details of the debt, such as the account name, number, provider's BSB and the total amount of debt you want transferred.

Card benefits

150,000 bonus Amplify Points. You'll get 150,000 bonus Amplify Points when you apply by 31 July 2024 and spend $12,000 on eligible purchases in the first 12 months. Points will be credited to your account within 12 weeks of meeting the spend requirement. Eligible purchases cover most everyday spending but transactions that don't earn points include balance transfers, cash advances, account fees and spending with government or government-related agencies.
Discounted first-year annual fee. When you apply and get approved for a new BankSA Amplify Signature Credit Card by 31 July 2024, you'll get a first-year annual fee of $199. This saves you $96 on the $295 p.a. annual fee that applies from the second year on.

Balance transfer offer. When you apply by 31 July 2024 and request a balance transfer at the time of your application, you'll get 0% interest on balance transfers for the first 24 months, with a one-time 1% balance transfer fee. After the introductory period, the 21.49% p.a. variable cash advance rate applies to any remaining balance transfer debt. 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.
Priority Pass lounge visits. This card gives you access to airport lounges around the world, with 2 complimentary Priority Pass lounge visits per year. To use these passes, you need to enrol at https://www.prioritypass.com/amplifysignature.
Amplify Rewards. This card earns 1.5 Amplify Points per $1 on all eligible spending, which is competitive with other rewards cards.
Birthday bonus points. Within 4 weeks of your birthday, you'll get an extra 10% of the points you've earned from eligible spending in the previous 12 months. Just keep in mind that the birthday bonus is based on points earned through eligible spending, and doesn't include other bonus points in the calculations.
Complimentary travel insurance. You'll get access to overseas travel insurance on trips of up to 6 months when you use your card for at least $500 of prepaid travel expenses (such as flights or accommodation) and have a return ticket. This cover is also offered to your eligible spouse and/or dependent children travelling with you.
Complimentary insurance for purchases. This card offers extended warranty insurance and price guarantee cover for eligible items you buy with it.
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 pay with the Amplify Signature.
Mobile payment technology. You can make payments just by tapping your eligible phone or device on the contactless payment terminal if you add this card to your Google Pay, Apple Pay or Samsung Pay wallet.

Rates & fees

Annual fee. Outside of any promotions, this card charges a standard annual fee of $295.
Purchase rate. The 19.49% p.a. variable interest rate for purchases is lower than the average standard credit card interest rate in Australia based on Finder analysis of RBA data.

Interest-free days. You'll get up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. The monthly payment balance excludes current balance transfers and interest-free days are separate from any longer-term interest rate promotions.
Foreign transaction fee. A fee of 3% applies when you use this card to pay for purchases made in a foreign currency or processed overseas.
Cash advances. Cash equivalent transactions and withdrawals attract interest at the variable cash advance rate of 21.49% p.a. You will also be charged a one-time fee of 3% of each cash advance amount.
Additional cardholder. You can add 1 extra cardholder to your credit card free of charge.

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Amy Finder

Editor

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Julien

December 08, 2018

I cannot see the Go to Site button.

Jhezelyn Finder

December 11, 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

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CLAUDIO

April 01, 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

May Finder

April 01, 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

asha

February 08, 2018

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

Joel Marcelo

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

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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,

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

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?

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

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BankSA Amplify Signature Credit Card

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