Our verdict

This frequent flyer credit card offers 80,000 bonus Qantas Points, lounge invitations and complimentary insurance, with a $370 annual fee.

The BankSA Amplify Qantas Signature Card is the bank’s top-tier frequent flyer product and has a competitive bonus points offers that adds lots of value when you first get the card. As an example, with 80,000 Qantas Points, you could book for two return economy flights from Sydney to Auckland (72,000 points) or one-way business class flight from Brisbane to Tokyo (68,400 points). You could also redeem your points for $375 worth of David Jones digital gift cards (a total of 75,200 points for one $250 gift card, two $50 gift cards and a $25 gift card).

This card also offers 2 complimentary Qantas Club Lounge invitations each year and complimentary travel insurance – which could help you offset the account costs. But if you can, aim to pay your balance off in full each month to avoid the high purchase interest rate.

Pros

80,000 bonus Qantas Points
2 complimentary airport lounge passes per year
Shopping cashbacks through ShopBack
Complimentary insurance covers, including international travel insurance

Cons

Both the purchase rate and cash advance rate are relatively high
Foreign currency conversion fee of 3%

The BankSA Amplify Qantas Signature Card offers a mix of frequent flyer perks and earns 0.75 Qantas Point per $1 on eligible spending. The bonus points offer also sweetens the deal, giving you 80,000 Qantas Points when you spend $6,000 in the first 90 days from card approval.

But after the first year, make sure its perks give you enough value to justify the annual fee. It’s also worth noting it has a 20.99% p.a. interest rate for purchases, which you can avoid if you pay off the full balance by the due date on each statement (to get interest-free days on purchases).

Details

Product details

Product Name	BankSA Amplify Qantas Signature
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	$15,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	80,000
Rewards points per $ spent	0.75
Rewards points cap	250,000

Fees

Annual fee	Annual fee $370
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 Qantas Signature Card online in around 10 minutes and receive a response instantly.

Eligibility criteria

New cardholder. To be eligible for the bonus points offer, you cannot currently hold an Amplify Platinum or Amplify Signature Card issued by St.George, Bank of Melbourne or BankSA, or have held one in the last 12 months.
Residency. To apply online, you must be an Australian citizen or permanent resident.

Age. You must be at least 18 years old.

Required documents

Personal information. Including your full name, date of birth, residential address, marital status and number of financial dependents.
Proof of identification. Verify your identity with your Australian driver's licence, Medicare card, passport, Australian birth certificate or NSW photo card.
Income and employment. Confirm your annual income, current place of employment and include your employer's contact information.
Finances. This includes your assets, such as savings and investments, or liabilities including existing cards or loans. You'll also need to list your average expenses, such as groceries, bills and more.
Qantas Frequent Flyer number. To ensure your Qantas Points are credited to your account, you need to provide your Qantas Frequent Flyer membership number.

Card benefits

Bonus points. Earn 80,000 bonus Qantas Points when you spend $6,000 within the first 90 days of card approval. To take advantage of this offer, you must apply and be approved by 30 April 2025. The points will be credited to your account within 12 weeks of the spend requirement being met.
Qantas Points per $1 spent. You'll earn 0.75 Qantas Point per $1 up to a maximum of $250,000 spent on eligible purchases per year (bonus Qantas Points not included in the cap). If you're not already a Qantas Frequent Flyer, you can join and avoid the membership fee when you apply for this card. Transactions that don't earn points include balance transfers, cash advances, account fees and a purchase from or payment to a government or government-related agency.

Shopping cashbacks. Eligible BankSA credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.
Qantas Club Lounge invitations. Relax with a luxurious pre-flight experience with 2 complimentary Qantas Club Lounge invitations per year. You can expect dedicated check-in, complimentary food and beverages as well as high speed Wi-Fi in the Qantas Club Lounges.
Complimentary travel insurance. You, your spouse and any dependent children travelling with you can receive complimentary travel insurance for trips up to 6 months. The insurance covers medical expenses, unexpected cancellation and rental vehicle excess.
Purchase cover. You can shop with peace of mind thanks to extended warranty insurance for up to 12 months and price guarantee cover of up to $300 on eligible purchases in Australia. Terms and conditions apply.
Mobile payment technology. Make contactless payments with your eligible phone or device by adding this credit card to your Google Pay, Apple Pay or Samsung Pay wallet.

Rates & fees

Annual fee. This card charges a standard annual fee of $370. This includes both $295 standard fee and $75 annual Qantas Rewards fee.
Interest rate. If you carry a balance on this card, you will be charged the variable purchase interest rate of 20.99% p.a.

Cash advance rate. Cash withdrawals and cash-equivalent transactions accrue interest at the 21.99% p.a. cash advance rate. You'll also be charged a cash advance fee of 3% of each cash advance amount.
Interest-free days. You will receive 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. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
Additional cardholder. You can add 1 extra cardholder to your credit card free of charge.

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Amy Finder

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Frank

January 17, 2019

Hey guys, I did the 80k points with bank of Melbourne, does that mean I can do it with Adelaide as well?

Val Finder

January 23, 2019

Hi Frank,

Thank you for reaching Finder!

You may refer our current credit card deals. I’m afraid there are no deals for Adelaide Bank credit cards.

Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

Hope this helps

Cheers,

Val

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Frank

January 16, 2019

Hello team,

I got the Bank of Melbourne promotion last year. Can you get the Adelaide Bank one as well?

Jeni Finder

January 22, 2019

Hi Frank,

Thank you for getting in touch with Finder.

Currently, we do not have deals for Adelaide Bank credit cards. You may instead check our current credit card deals. Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

I hope this helps.

Thank you and have a wonderful day!

Cheers,

Jeni

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BankSA Amplify Qantas Signature Card

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