Amplify rewards credit card

Why?
Rewards program
Rates & key fees
Apply now

Why choose the Amplify card?

Earn rewards points

Get rewarded just for using your card as normal. Earn 1 Amplify Point for each dollar spent on eligible purchases, uncapped.¹Earn points even faster by adding one other cardholder (16 years or older) at no extra cost.⁴

Lower fee

At $79, it’s the lowest annual card fee of our rewards cards.

Up to 55 days

Interest free on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) on time.

Easy, secure and a fast way to pay with Apple Pay

Enjoy all the benefits of your eligible BankSA Visa card using Apple Pay. It’s the easy, secure, and fast way to pay. Learn more

What could you use Amplify Points for?

Frequent flyer

Redeem them for frequent flyer points on programs including Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer.⁵

Gift cards

Buy prepaid gift cards from a wide range of retailers, department stores and supermarkets.¹

Shopping

Head to the Amplify Store to buy electronics, homewares, experiences, beauty products, sports and camping gear and much more.¹

Travel

You can also book flights, hotels, car hire and activities or create your own travel packages, 24/7 via our new Amplify Travel online booking platform.⁶

Rates

19.74% p.a. variable interest rate on purchases
21.49% p.a. variable cash advance interest rate
2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
3% of the Australian dollar value for transactions with merchants based overseas

Key fees

$79.00 Annual card fee
$15.00 Fee applied for each late payment or missed payment
$9.00 For each dishonour of a payment under the automatic payment plan
$0 Card replacement fee within Australia ($52.50 outside Australia; $45 emergency replacement fee)

Complimentary services

24/7 fraud monitoring
Phone and Internet Banking
Automatic repayment plan
SMS and email alerts
Visa payWave contactless payments for transactions under $100

COVID-19 and credit card applications

The impact of COVID-19 means we are experiencing long lead times to process the applications of those who do not currently have an account with us. Current customers may also experience delays. Please read the ‘Before you apply’ section below carefully before applying.

Before you apply

To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying.

For starters, make sure you meet our eligibility basics

You’re aged 18 or over
You’re an Australian citizen or have a permanent residency visa
You have a regular, verifiable income
You have a residential address in Australia.

Add in some things that could help

Check your credit report

As part of reviewing your application we look at the information on your credit report, which is produced by an independent credit bureau. This report shows a snapshot of your liabilities, available credit, and your repayment behaviour for these accounts. To learn more about credit reporting in Australia visit www.banksa.com.au/ccr.

It’s a good idea to view your own credit report and check your details are correct before starting your application. You can do this for free by visiting the credit bureau website directly, or via CreditSmart.org.au. We work with three bureaus: Equifax, illion and Experian, so you might like to check the report produced by each of them.

Get your documents and information ready

Before starting your application, make sure you have everything in the list below:

All existing liabilities that are in your name (e.g. personal loans, other credit or store cards, ‘interest-free’ instalment purchases, home loan)
Your income information from the last 3 months, such as payslips, bank statements and rental income (you won’t need this if your pay already goes into
a BankSA bank account)
All your regular monthly expenses (including school fees, insurance, bills etc.)
Your frequent flyer number (if applying for a Rewards card)
Your balance transfer credit card details (if applying for a Balance Transfer).

If you’re an existing BankSA customer, you’ll also need to:

Apply as an existing customer in the application form, which includes logging in to your account
Once logged in, double-check that your personal details (name, address etc) are up-to-date. If not, log in to internet banking to update them.

Double-check your application before pressing ‘Submit’

Don’t make multiple applications

Apply Now Apply Now

The Detail

Before making a decision, please read these documents to ensure you're aware of all fees, charges and interest rates.

Credit Card Conditions of Use

All you need to know about our cards.

Credit Card Accounts Fees and Charges

A complete list of card-related costs.

Rewards Terms and Conditions

All you need to know about rewards.

Not right? Try these

Amplify Platinum

A rewards card
with extras

Amplify Signature

Lounge passes,
insurance and more

View all cards

Important information

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

Key Facts Sheet
Credit Card Conditions of Use (PDF 1MB)
Credit Card Accounts Fees and Charges (PDF 162KB)
Amplify Rewards and Amplify Qantas Terms and Conditions (PDF 658KB)

Switches, upgrades, or Westpac Group staff are ineligible. The promotions may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

1. Earn Amplify Points through the use of an Amplify, Amplify Platinum or Amplify Signature card as set out in the Amplify Rewards and Amplify Qantas Terms and Conditions (PDF 658KB). Points are not earned on cash advances and balance transfers or in other specified circumstances. Minimum 3,000 Amplify points is needed to redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.banksa.com.au.

2. Amplify Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply. For further details call Amplify Travel on 1300 489 586.

4. An additional card can be issued on the primary cardholders’ credit card account to any nominated person over the age of 16 years provided the account is not a joint account. All transactions using an additional card will be the responsibility of the primary cardholder. All Amplify Points remain the benefit of the primary cardholder.

5. You must be a member of the relevant frequent flyer program to redeem Amplify Points for frequent flyer points. The Amplify Rewards and Amplify Qantas Terms and Conditions (PDF 658KB) and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of award flights may be limited. For more information on the Amplify Rewards program, visit amplify.banksa.com.au.

6. Amplify Travel is operated by Mastercard Travel Solutions Australia Pty Ltd. ABN 70 003 745 999. All offers are correct as per date stipulated in individual offer terms and conditions, and are subject to change and availability at any time without notice. Blackout dates may apply to the offers. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. Prices quoted may be subject to surcharges of up to 2.5% if paying by a card product which will be calculated based upon the card product selected. We accept MasterCard, Visa, American Express and Diners Club. For validity dates, full itinerary details, conditions and all other enquiries visit call Amplify Travel on 1300 489 586.

Read the Apple Pay Terms and Conditions (PDF 58KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Important notice

Amplify