Our verdict

Offers 100,000 bonus Amplify Points and a discounted $49 annual fee in the first year, which goes to $124 per year after that.

The BankSA Amplify Platinum Credit Card earns 1 point per $1 on all eligible spending, with rewards including gift cards, retail items and frequent flyer point transfers. Right now, you can also get 100,000 bonus Amplify Points when you apply by 30 April 2025 and spend $3,000 on eligible purchases in the first 90 days from card approval. That’s enough to redeem up to $450 in eGift cards, or 50,000 Velocity Points if you transferred them to your frequent flyer account.

The discounted first-year annual fee also helps you save in the short-term, while the usual $124 annual fee is similar to other platinum cards on the market. It also offers complimentary travel insurance and purchase insurances. But it's still important to think about whether the potential value you'll get from points and perks is enough to justify the annual fee.

Pros

100,000 bonus Amplify Points offer
Discounted first-year annual fee of $49
Shopping cashbacks through ShopBack
Complimentary travel and purchase insurance covers

Cons

Charges a 3% foreign transaction fee

The BankSA Amplify Platinum Credit Card offers uncapped reward points on your everyday eligible spending and a competitive bonus points offer.

Details

Product details

Product Name	BankSA Amplify Platinum
Purchase rate p.a.	Purchase rate p.a. 20.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$6,000
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	100,000
Rewards points per $ spent	1

Fees

Annual fee	Annual fee $49 first year ($124 after)
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	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 Platinum Credit Card online in around 10 minutes. Get started by making sure you meet the eligibility requirements and have all the documents and details you'll need handy.

Eligibility criteria

New cardholder. To be eligible for the introductory offers, you must apply for a new card and cannot hold or have held an Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA in the past 12 months.
Residency. To apply online, you must be an Australian citizen or permanent resident. Finder's guide to credit cards for temporary residents for more details for BankSA and other providers if you have a valid visa.

Age. You must be at least 18 years of age.

Documents and details

Personal details. This includes your full name, email address, contact number, residential address, date of birth, marital status and number of dependents. You also need to provide valid ID, such as your driver's licence or passport.
Employment details. This covers your employment status, 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. As well as your salary, you should include details of any government payments, pensions, other forms of income and 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.

Card benefits

Bonus Amplify Points offer. This card offers 100,000 bonus Amplify Points when you apply by 30 April 2025, get approved and spend $3,000 on eligible purchases in the first 90 days. Eligible purchases cover most everyday spending, such as supermarket shopping, dining out and petrol. But transactions that are not eligible include cash advances, BPAY payments and spending with government-related agencies. The bonus Amplify Points will be added to your points balance within 12 weeks of meeting the eligible spend criteria.
Discounted first-year annual fee. If you apply for a BankSA Amplify Platinum Credit Card by 30 April 2025, you'll get a reduced annual fee of $49 for the first year. After the first year, a $124 annual fee applies.

Shopping cashbacks. Eligible BankSA credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.
Amplify Rewards. This card earns 1 Amplify Point per $1 on all eligible purchases, with no points cap. Eligible purchases cover most everyday transactions, including groceries, petrol, dining and travel bookings. Transactions that are not eligible to earn points include cash advances, BPAY payments and government-related transactions. You can redeem points for gift cards, retail items, travel offers and point transfers to Velocity Frequent Flyer or Singapore Airlines KrisFlyer.
Complimentary insurance. This card offers up to 3 months overseas travel insurance for you, your eligible spouse and dependent children when you use it to pay for at least $500 of your travel costs and have a return travel ticket before you go overseas. It also gives you access to , complimentary international travel insurance for trips of up to 3 months, overseas transit accident insurance, interstate flight inconvenience insurance and rental vehicle excess in Australia cover. It also offers extended warranty cover and purchase protection insurance for up to 4 months on eligible items. As with any insurance policy, make sure you read the policy documents available on the BankSA website for full details.
Digital wallets. You can add the BankSA Amplify Platinum Credit Card to Apple Pay, Google Pay or Samsung Pay to make payments straight from your mobile phone or device.

Rates & fees

Annual fee. Outside of any promotions, the BankSA Amplify Platinum charges an annual fee of $124.
Purchase rate. This card's 20.99% p.a. variable interest rate for purchases is higher than the average rate for credit cards in Australia based on Finder analysis of RBA data.

Interest-free days. When you pay your monthly payment balance in full (which excludes current balance transfers) by the payment due date on your statement, you get up to 55 days interest-free on new purchases. Note that interest-free days are separate from any longer-term interest rate promotions.
Cash advances. If you use this card to withdraw cash or make any other cash advance transactions, you'll pay a fee worth 3% of each transaction. A 21.99% p.a. variable interest rate also applies to cash advances from the day they are made.
Foreign transaction fee. This card charges a fee of 3% for transactions made overseas or online with a merchant that is based overseas.
Additional cardholder. You can add 1 additional cardholder to your account without an additional fee.

Sources

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BankSA Amplify Platinum Credit Card

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