IMPORTANT NOTICE ABOUT OUR PERSONAL CREDIT CARDS

Fees, rates and Rewards program changes effective 30 September 2026. 

On 30 September 2026, we’re making updates to the fees, rates and minimum repayment amount on BankSA Amplify Credit Cards, and changes to the Rewards points program. Full details of these changes and impacted credit cards are set out below.

At a glance:

Credit cards included in these changes 

  • Amplify Rewards Platinum 
  • Amplify Qantas Platinum 
  • Amplify Rewards Signature 
  • Amplify Qantas Signature
     

Fees and rates changes1 

   

Current   

From 30 September 2026   

Variable Purchase Rate   

9.00% p.a.  

15.99% p.a.  

Variable Cash Advance Rate   

9.00% p.a.  

15.99% p.a.  

Minimum Payment Due   

2% of the Closing Balance or $10  

(whichever is greater)  

2.5% of the Closing Balance or $25  

(whichever is greater)  

Interest Free Period changes

Your interest free period on purchases will reduce from up to 55 days to up to 45 days. Your payment due date will also move 10 days earlier. To keep your interest free days, pay your Closing Balance or Monthly Payment Balance (as applicable) in full by the statement due date. Your Autopay will update automatically. If you pay another way, you’ll need to update your payment date. 

Amplify Rewards program fee changes

Rewards program fees are charged annually, and for current cardholders, the new fee amount will apply on your next card fee date.
 

 

Current 

From 30 September 2026 

Amplify Qantas Platinum 

$0

$125 

Amplify Qantas Signature 

$0 

$155 

Changes to Rewards points for Amplify Qantas credit cards

Points earn rate changes

The points you earn on eligible purchases2 will change. ‘Dining’ (restaurants, cafes, fast food, bars, hotels and entertainment venues) will also move from the ‘Everyday Spend’ category to ‘All other purchases’ category, which means you will earn fewer points on eligible dining transactions. Current points earn rates are available here. These changes won’t affect your existing points balance.  

The table below outlines the updated earn rates.
 

Amplify Qantas Platinum

How to earn Qantas Points 

New Qantas Points earn rate 

International spend     

For international purchases made in store and online.    

$1 = 0.75 Points 

Once you spend $5,000 in a statement cycle, you will earn 0.20 Points per $1 on further eligible purchases.  

Everyday spend     

For most major Australian supermarkets, department stores, petrol stations and utilities.   

$1 = 0.5 Points 

All other purchases   

 This category has been expanded to now include dining. 

$1 = 0.33 Points 

 

Amplify Qantas Signature

How to earn Qantas Points 

New Qantas Points earn rate 

International spend     

For international purchases made in store and online    

$1 = 1.5 Points 

Once you spend $10,000 in a statement cycle, you will earn 0.25 Points per $1 on further eligible purchases.  

Everyday spend     

For most major Australian supermarkets, department stores, petrol stations and utilities.   

$1 = 0.8 Points 

All other purchases   

 This category has been expanded to now include dining. 

$1 = 0.4 Points 

 

The way you use your Rewards points

The Amplify Rewards Points you earn on eligible purchases2 will not change, apart from ‘dining’ which will move from the ‘Everyday Spend’ category to ‘All other purchases’ category. The changes won’t affect your existing points balance. 

The number of points you need to redeem for some options is changing. This means some items will require more Amplify Points to redeem and some items will no longer be available.  For example, the points required for a $100 eGift Card will increase from around 20,000 points to around 29,412 points. Popular options like charitable donations, Priceless Planet, and transfers to Everyday Rewards will not change. 

The table below shows how many Amplify Rewards Points are required before and after the change, based on example amounts. 


Redemption category  

Example value  

Points before  

Points after (from 30 September 2026)  

Digital gift cards  

$100 eGift Card  

~20,000 points  

~29,412 points  

Merchandise             

$50 product* value 

~10,875 points  

~15,873 points  

Fee Rebates  

$100 rebate  

~18,000 points  

~30,900 points  

Amplify Travel  

$200 domestic flight*  

~45,500 points  

~67,600 points  

Velocity Frequent Flyer Manual Transfers  

N/A  

2 Amplify points = 1 Velocity Point  

4 Amplify points = 1 Velocity Point  

Velocity Frequent Flyer Automatic Transfers  

N/A  

2 Amplify points = 1 Velocity Point  

4 Amplify points = 1 Velocity Point  

Singapore Airlines KrisFlyer Transfers  

N/A  

3 Amplify points = 1 KrisFlyer Mile  

4 Amplify points = 1 KrisFlyer Mile  

Mastercard Prepaid Gift card  

No longer available from 30 September 2026  

*Examples shown are illustrative and based on common redemptions available. In this instance, the relevant “product” is a portable Bluetooth speaker, and the domestic flight is a one-way Sydney to Melbourne flight outside of peak season. Redemption rates vary by product or travel selection.

Changes to your Amplify Qantas Signature lounge invitations  

Amplify Qantas Signature customers currently receive two Qantas Club Complimentary Lounge invitations each year when they complete a one-time registration of their card and make a purchase over $1 within a 12-month period.  From 30 September 2026, customers will need to make an eligible Qantas purchase on their Amplify Qantas Signature card each year within a 12-month period, as well as completing the one-time registration before making the eligible purchase. 

Eligible Qantas purchases are subject to conditions and exclusions. Eligible items include selected Qantas products and services that must be purchased directly from Qantas and paid with your Amplify Qantas Signature credit card.  

The table below outlines the Qantas purchases that are eligible and not eligible towards meeting the spend requirements. 
 

Eligible

Not eligible
  • Qantas passenger flights with a QF flight number  
  • Qantas Frequent Flyer membership joining fees  
  • Qantas Club membership joining or annual fees  
  • Any Qantas products and services not purchased directly from Qantas (for example, purchases made through travel agents or other third parties)  
  • Qantas Holidays purchases  
  • Qantas-branded non-airfare products and services  
  • Jetstar purchases  

Frequently Asked Questions

The Reserve Bank of Australia (RBA) has introduced changes to credit card rules in Australia. As a result, we're making updates to certain BankSA credit card fees, rates and Rewards programs from 30 September 2026. Full details of the changes that apply to your card are set out on this page.

If you have any questions, please call us on

13 13 76

8am – 8pm Monday to Friday

Important information

Key Facts Sheet

Credit Card Terms and Conditions (PDF 351KB)

Amplify Terms and Conditions (PDF 257KB)

Credit Card Accounts Fees and Charges (PDF 166KB)

Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you.

1Rates and fees are subject to change.  

2Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account.    

®Registered to BPAY Pty Ltd ABN 69 079 137 518.