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Our highest Amplify Points earn rate, complimentary insurances and much more.

BankSA Amplify Rewards Signature credit card
$279 Annual card fee
1.5 Amplify Points Per dollar on eligible purchases – uncapped1
19.74% p.a. Variable interest rate on purchases
Up to 55 days Interest free on purchases2
$15,000 Minimum credit limit

See below for standard rates and fees.

Up to 200,000 bonus Amplify Points^

100k in year 1 + 100k in year 2, when you spend $12k+ on eligible purchases in each year. (That can get you up to $450 each year in eGift cards.<)

Plus 0% p.a. interest on balance transfers for 15 months#

When requested at card application. 1% balance transfer fee applies if you make a balance transfer. The variable cash advance rate will apply after this promotional period. New cards only.

What is Amplify Rewards?

The BankSA Amplify Rewards program offers flexibility in how you can use your points. For starters, the points you earn never expire, giving you as much time as needed to build your balance.

When you are ready to redeem, you can choose from merchant gift cards, travel options, shopping at our own online store - you can even transfer them to one of our partner airline frequent flyer programs3 or donate to one of our listed charities. The choice is yours.

For example, 11,100 Amplify Points currently gets you a $50 e-gift card from a range of merchants such as David Jones, Myer, JB Hi-Fi, Bunnings and others<.

BankSA Amplify Rewards

Why you’ll love the Amplify Rewards Signature card

Our highest earn rate

Earn 1.5 Amplify Points for every dollar spent on eligible purchases – uncapped1.

Complimentary insurances

Get interstate flight inconvenience insurance, up to 6 months’ complimentary cover for overseas travel insurance, plus extended warranty, purchase security for up to 4 months’ and transit accident insurance. Subject to the conditions in the Credit Card Complimentary Insurance Policy4.

2 airport lounge passes

Enjoy 2 complimentary Priority Pass lounge visits each year when you enrol at prioritypass.com/amplifysignature5.

Other reasons to choose

Exclusive to Amplify Signature cardholders, our Concierge Service allows you to explore and book experiences online, including hard-to-find tickets, last-minute reservations and more6. Find out more.

Key rates and fees

  • 19.74% p.a. variable interest rate on purchases
  • $279 annual card fee
  • 21.49% p.a. variable cash advance interest rate
  • $15 fee applied for each late payment or missed payment
  • 2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
  • $9 for each dishonour of a payment under the Autopay automatic payment arrangement
  • 3% of the Australian dollar value for transactions with merchants based overseas

Before you apply

Follow this section to improve the likelihood your application is approved. 

  • 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.
Important information
Conditions, fees and credit criteria apply. 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. 
 
Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

^Amplify Signature Bonus Amplify Points Offer: To be eligible to receive up to 200,000 bonus Amplify Points over 2 years, you must apply and be approved for a new Amplify Rewards Signature credit card between 24th June 2021 and 30th November 2021. You'll receive 100,000 bonus Amplify Points when you spend a minimum amount of $12,000 on eligible purchases on the credit card within the first 12 months from card approval. You'll receive an additional 100,000 bonus Amplify Points in the second year of your credit account being open, if you spend a minimum of $12,000 on eligible purchases within the subsequent year. If you do not meet the minimum spend in one year, you forfeit the bonus points for that year only, however you are still eligible for bonus points in subsequent years if you meet the minimum spend in subsequent years during the promotional period. Eligible 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. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by BankSA, St.George or Bank of Melbourne, or who have held one in the last 12 months, are not eligible for this offer. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.

#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo, Amplify Platinum or Amplify Signature credit card between 24th June 2021 and 30th November 2021, and request at card application to transfer balance(s) from up to 3 non-BankSA, St.George and Bank of Melbourne Australian issued credit, charge or store cards. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 1% of the transferred balance(s) will apply to balance(s) transferred to a Amplify Platinum or Amplify Signature credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. No balance transfer fees apply to a Vertigo credit card. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. BankSA will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

<Converting Amplify Points: You can convert the points earned on your Amplify Rewards Signature or Amplify Rewards Platinum credit card to e-gift cards via your Amplify Rewards Account, which can be accessed via BankSA Internet or Mobile Banking. The estimated e-Gift card value in the above examples are based on current redemption rates as at 10th February 2021 and is subject to change without notification. All redemption of Amplify Points are subject to availability and the Amplify Terms and Conditions (PDF 106KB).

1 The earning and redemption of Amplify Points is subject to the Amplify Terms and Conditions (PDF 106KB). Purchases that are not eligible to earn points 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 from the card account. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

55 Days Interest Free: Receive up to 55 days interest free on your purchases if your account is paid in full by the due date shown each month (excluding any balance transfers and Plan&Pay instalments), this is called the Monthly Payment Balance on your statement.

You must be a member of the relevant frequent flyer program to redeem Amplify Points for frequent flyer points. The Amplify Terms and Conditions (PDF 106KB) and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of award flights may be limited.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible BankSA cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Credit Card Complimentary Insurance Terms and Conditions (PDF 513KB) which may be amended from time to time. Westpac does not guarantee this insurance.

Priority Pass membership: Complimentary Priority Pass membership is available to Primary Cardholders earning Amplify Points through the Amplify Rewards program. To enrol go to prioritypass.com/amplifysignature. Lounge usage in excess of two visits and all guest visits will be charged directly to your Amplify Signature Credit Card at the visit fee of US$32 per person, per visit. The first two visits within each twelve month membership period are complimentary to the Primary Cardholder only, after which every visit would be charged as per the prevailing rates; currently US$32 per person. Any accompanying guests will be charged US$32 per visit, which will be automatically charged to the Cardholder’s Amplify Signature Credit Card. The date of each visit determines which year of membership the visit is allocated to. Unused visits cannot be carried forward to the following year of membership. The number of free visits will be reset to two per each 12-month period. Renewal terms and conditions are at the discretion of Priority Pass Ltd. For full details visit Priority Pass website at www.prioritypass.com/en/conditions-of-use.

Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.banksa.tenconcierge.com

Birthday bonus is calculated over a period of 12 months, on the number of Amplify Points or Qantas Points (excluding bonus points) as applicable, earned on Amplify Signature Card purchases from the day of the Account Owner’s birthday to the day prior to the Account Owner’s birthday, other than the first Birthday bonus which will be calculated from the day of Card approval to the day prior to the Account Owner’s birthday. The Amplify Signature Card Account Owner will receive ten percent of the points earned during the Birthday bonus calculation period which will be credited to the Amplify Rewards or Qantas Frequent Flyer Membership Account as applicable, within 4 weeks of the Account Owner’s birthday. For Joint accounts the first listed Account Owner’s birthday is used for the calculation. The Birthday bonus can be accessed by all Account Owners.

Any offer through Visa Luxury Hotel Collection is valid at participating properties and Visa Platinum and Signature cardholders in the Australia/Pacific, Europe, Middle East and Africa (APCEMEA) regions. Offer is only valid when you pay with a valid and eligible Visa card. Best Available Rate applicable. Not applicable on discounted rates or combined with other offers at time of enquiry/booking. One daily breakfast per person during stay. Excludes all applicable taxes, services, gratuities and charges, and must be a valid and eligible Visa card. Void where prohibited, taxed or restricted by law. All reservations are subject to availability at time of confirmation. Visa and participating properties reserve the right to vary the terms and conditions of this offer. For updated list of participating properties, please visit www.visaluxuryhotels.com or call Visa Concierge for details.

An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Amplify Points remain the benefit of the primary cardholder.

10 Fraud Money Bank Guarantee: Our BankSA Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted BankSA promptly. Refer to the Credit Card Terms and Conditions (PDF 336KB) for full details, including when a customer will be liable.

Read the Apple Pay Terms and Conditions (PDF 65KB) 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.

Read the Google Pay Terms and Conditions (PDF 80KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.

Read the Samsung Pay Terms and Conditions (PDF 104KB) before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.

Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.

Android, Google Pay and Google Play are trademarks of Google Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.