BankSA Amplify Signature Qantas Card

This frequent flyer credit card offers 90,000 bonus Qantas Points, lounge invitations and complimentary insurance, with a $279 annual fee.

The BankSA Amplify Signature Qantas Card offers a mix of frequent flyer perks and earns 0.75 Qantas Points per $1 on eligible spending. While this earn rate is lower than some other credit cards with similar annual fees, it is also uncapped – meaning you’ll earn points at that rate no matter how much you spend. The bonus points offer also sweetens the deal, giving you 90,000 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 19.74% 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).

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Amy Bradney-George

Last Updated Aug 26, 2021

90,000

Bonus points

19.74% p.a.

Purchase rate

0.75

Reward points

Per $ spent

$279 p.a.

Annual fee

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Details

Product Name	BankSA Amplify Signature - Qantas
Rewards program	Qantas Frequent Flyer
Balance transfer rate	0% p.a. for 15 months with 1% balance transfer fee
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	19.74% p.a.
Annual fee	$279
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.49% p.a.
Min credit limit	$15,000
Max credit limit	$80,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	Yes - Conditions apply

Pros

90,000 bonus Qantas Points
0% p.a. interest rate for the first 15 months on balance transfers
Two complimentary airport lounge passes per year
Complimentary insurance covers, including international travel insurance

Cons

Charges a 1% balance transfer fee
Both the purchase rate and cash advance rate are relatively high
Foreign currency conversion fee of 3%

Rewards program	Qantas Frequent Flyer
Bonus points	90,000
Rewards points per $ spent	0.75
Rewards points cap	Uncapped

Annual fee	$279
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	2% or $2.50, whichever is greater
Overseas cash advance fee	2% or $2.50, whichever is greater
Additional cardholder fee	$0
Number of additional cardholders	1

Go to BankSA's site More info

Review by

Amy Bradney-George

[email protected]

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The BankSA Amplify Signature Qantas 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 90,000 Qantas Points, you could fly return from Melbourne to Auckland in business class (83,000 points), or get $400 of Woolworths WISH digital gift cards (82,870 points for a gift card worth $250, a gift card worth $100 and a gift card worth $50).

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.

How to apply

You can apply for the BankSA Amplify Signature Qantas 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.

Eligible balance transfer. If you want to transfer a balance, you can transfer from $200 up to 80% of your available credit limit from Australian-issued credit and store cards not issued by BankSA, St.George or Bank of Melbourne.
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.
Balance transfer information. If you plan to transfer a balance, you will need to provide the details of that account.
Qantas Frequent Flyer number. To ensure your Qantas Points are credited to your account, you need to provide your Qantas Frequent Flyer membership number.

Go to BankSA's site More info

Card benefits

Bonus points. Earn 90,000 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 November 2021. The points will be credited to your account within 12 weeks of the spend requirement being met.
Balance transfer offer. New customers who apply by 30 November 2021 and request a balance transfer at the time of application can take advantage of a 0% p.a. interest rate for the first 15 months on balance transfers. After the promotional period, any balances remaining will be charged at the variable cash advance rate, currently 21.49% p.a. You won't earn points on balance transfers.

Qantas Points per $1 spent. You'll earn 0.75 Qantas Points per $1 spent on eligible transactions made with both Australian and overseas merchants, uncapped. 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.
Birthday bonus points. Within 4 weeks of your birthday, you'll get an extra 10% of the points you've earned in the past 12 months. Just keep in mind that the birthday bonus is based on points earned through eligible spending, and doesn't include other bonus points in the calculations.
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 $279.
Interest rate. If you carry a balance on this card, you will be charged the variable purchase interest rate of 19.74% p.a.

Cash advance rate. Cash withdrawals and cash-equivalent transactions accrue interest at the 21.49% p.a. cash advance rate. You'll also be charged a cash advance fee of 2% or $2.50 (whichever is greater, capped at $150/transaction).
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.

Go to BankSA's site More info

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4 Comments

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?

finder Customer Care

Val
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

Frank
January 16, 2019

Hello team,

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

finder Customer Care

Jeni
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 Signature Qantas Card