BankSA Amplify Credit Card

• Earn points while you shop with your Amplify credit card
• Choose to link your credit card to either Amplify Rewards or Amplify Qantas
• When linked to Amplify Rewards - Earn 1 Amplify point per $1 spent on purchases or
• When linked to Amplify Qantas - Earn 1 Qantas Frequent Flyer point per $2 spent on purchases
• Complimentary Qantas Frequent Flyer membership (if you’re not already a member) for a limited time when linked to Amplify Qantas
• 0.99% balance transfer rate for up to 6 months. Calculate how much you could save with our Balance Transfer calculator.
• Up to 55 days interest free on purchases is available on accounts that are paid in full by the due date. The interest free period does not apply to cash advances or any purchases while an amount that has been debited as a result of a balance transfer remains unpaid.
• Up to 55 days interest free
• 18.74% p.a. on purchases
• 20.74% p.a. on cash advances
• 0.99% p.a. on balance transfers for up to 6 months from when your account is opened
• Read the terms and conditions

• Earn 1 Amplify point per $1 spent
• Transfer points to Qantas Frequent Flyer where 2 Amplify points are worth 1 QFF point
• Complimentary membership to Qantas Frequent Flyer
• Cheap $79 p.a. annual fee
• Decent low interest balance transfer deal for 6 months
• Lacks complimentary insurances, including travel insurance
• Not directly linked with the Qantas Frequent Flyer program

How does the BankSA Amplify Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	BankSA Amplify Credit Card	18.74%	20.74%	$79	0.99%	6 months
	The Average Credit Card	17.17%	21.04%	$95	3.04%	7 months

You can transfer from:



• ANZ
• Aussie
• Bank of Melbourne
• Bank of Queensland
• Bankwest
• Citibank
• Coles
• Commonwealth Bank
• HSBC
• NAB
• Suncorp
• Virgin
• Westpac
• Woolworths

You cannot transfer from:



• Bank SA
• St.George

The Amplify card from BankSA comes with two flexible reward schemes to choose from. Whether you opt for Amplify Rewards of Amplify Qantas, you are guaranteed to be impressed. At just 0.99% p.a. for 6 months on balance transfers and a fairly standard interest free period (Up to 55 days), you can’t go wrong. All BankSA credit cards have excellent payment protection and the Amplify card is no exception.

Pros

The Amplify credit card is the perfect companion if you like to shop. With the option to choose between frequent flyer points and gift rewards, you’re bound to find something to treat yourself to. If you link your card to the Qantas rewards scheme you will receive 1 QFF point for every $2 spent. Keep in mind that a flight from Melbourne to Sydney is just 8,000 points! If flying isn’t your thing then perhaps the Amplify Rewards scheme ($1 = 1 Amplify point) may suit you better? Once you have earned enough points you can exchange them for anything, from HDTV’s to cash back and gift cards.

Cons

If you want a card solely to collect frequent flyer points then you may be slightly disappointed. The Amplify card is not that impressive when you compare it to other frequent flyer credit cards on the market, many of which offer a higher spend to rewards ratio. The card could also benefit from added purchase protection cover and other additional benefits aside from reward points.

Conclusion

The BankSA Amplify is a cheap rewards card. Low $79 p.a. annual management fee’s and a fairly competitive 18.74% p.a. interest rate on new purchases make this card suitable for middle-to-low income earners. If you are purely looking for a reward card then the Amplify is worth looking into, however, if you are looking for something with additional benefits on top then consider looking elsewhere.