BankSA Amplify Classic

19.49% p.a.

3.00% p.a. for 36 months and then 20.24% p.a.

$79 $0 in the first 1 year

19.49% p.a.

3.00% p.a. for 36 months and then 20.24% p.a.

$79 $0 in the first 1 year

BankSA Amplify Classic Review

Rates and fees information correct as at 24 April 2018.

Review published: 25 October 2017

What's hot:

  • 2017 Mozo Experts Choice winner

  • Choose between Qantas Frequent Flyer or Amplify Rewards

  • $0 annual fee in the first year ($79 after)

What's not:

  • 20.24% cash advance rate

Mozo snapshot:

If you’ve been on a mission to find a great value rewards card, then no look no further than the BankSA Amplify Classic Credit Card, which has taken out an Experts Choice Award for Low Rate Platinum Credit Card and Rewards Credit Card. With this rewards card, you’ll be able to choose from two rewards schemes: the Qantas Frequent Flyer program or Amplify Rewards.

Key features:

The BankSA Amplify Classic Credit Card brings nothing but value with their two rewards schemes. The one you choose will reflect the kind of perks you’re after. Under the Qantas Frequent Flyer program, your points will be automatically credited to the program, while Amplify Rewards allows you to transfer your points to a range of airline programs like Velocity, Enrich or Krisflyer, or redeem for gift and shopping cards and other retail rewards.

When it comes to points, this is where you’ll see a difference - with the Qantas Frequent Flyer program, you’ll earn 0.5 points per dollar on Visa, uncapped, and 1 point per dollar with Amplify Rewards, uncapped. But no matter what rewards scheme you choose, your points will never expire.

Getting down to the basics, the BankSA Amplify Classic Credit Card has a 19.49% purchase rate, a hefty 20.24% cash advance rate and up to 55 interest free days. There’s also no annual fee in the first year ($79 each year after that).

If you’ve got a heap of debt you need gone, you can also pounce n the 3% balance transfer rate for 36 months with the BankSA Amplify Classic Credit Card.


Who it's good for:

The BankSA Amplify Classic Credit Card, like most rewards cards, comes with a reasonably steep purchase rate, so it is a good choice for spenders who pay off their balance in full and on time each month.


Any catches?

While you’ll be able to get your hands on some travel freebies through the BankSA Amplify Classic Credit Card, you will need to be a member of the Qantas Frequent Flyer program or relevant airline program. This cost is not included with the card, so you’ll have to budget for it separately. 



How are BankSA credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
6.9

Based on 79
BankSA credit cards reviews

6.2 5.8 6.9 7.6 7.5

Read BankSA credit card reviews by the Mozo community

Latest reviews of BankSA Amplify Classic

BankSA

BankSA Amplify Classic (Amplify Rewards) credit card review

Overall rating   9 / 10

Helpful and easy to access

To date have not had a problem, very easy to deal with.

Full review

To date have not had a problem, very easy to deal with.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Kathryn (SA), reviewed about 3 years ago

BankSA

BankSA Amplify Classic (Amplify Rewards) credit card review

Overall rating   10 / 10

Very good

I like my bank because the service is always great, the staff always have a smile even if they have had a bad day, would go nowhere else.

Full review

I like my bank because the service is always great, the staff always have a smile even if they have had a bad day, would go nowhere else.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Barry (SA), reviewed over 3 years ago

BankSA

BankSA Amplify Classic (Amplify Rewards) credit card review

Overall rating   10 / 10

Simple, straightforward plus rewards!

My credit card with BankSA is great! I can buy things when I really need them and even get rewards for my spending! The BankSA staff have always been friendly and helpful and I feel confident that my finances are safe with them!

Full review

My credit card with BankSA is great! I can buy things when I really need them and even get rewards for my spending! The BankSA staff have always been friendly and helpful and I feel confident that my finances are safe with them!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Mozo reviewer (SA), reviewed over 4 years ago

BankSA

BankSA Amplify Classic (Amplify Rewards) credit card review

Overall rating   8 / 10

Excellence in service and the rewards programme

The amplify card is ideal for being rewarded for every time you spend on your credit card in that you can achieve it in a short space of time as the points quickly mount up and I have gained several gift cards through this scheme which means I...

Full review

The amplify card is ideal for being rewarded for every time you spend on your credit card in that you can achieve it in a short space of time as the points quickly mount up and I have gained several gift cards through this scheme which means I have instant gifts for giving.The only part of the card that is disappointing is the amount of the fee charged each year. If this were to be lowered it would mean greater advantages for a person wishing to receive the benefits of this card, especially if they pay their bills through the credit card method.

    Price   7 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Christina (SA), reviewed over 5 years ago

BankSA

BankSA Amplify Classic (Amplify Rewards) credit card review

Overall rating   10 / 10

Great package offer and great rewards

We have this linked to our "advantage" package which means we have no annual fee for this card. Great rewards too!

Full review

We have this linked to our "advantage" package which means we have no annual fee for this card. Great rewards too!

    Price   -1 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Katrina (SA), reviewed about 6 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,
  • figure out how many flights or gift cards or cashback credits you could get for those points,
  • work out what that's actually worth to you,
  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
  • Shopping rewards are based on $100 gift cards from a major national department store.
  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Rewards scheme

  • Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
  • You can get flights via Velocity, Enrich or KrisFlyer.

Value of rewards points

  • Need to spend $18,182 (Visa)

  • Need to spend $22,200 (Visa)

  • Need to spend $15,600 (Visa)

  • Need to spend $239,200 (Visa)

  • Uncapped

  • Never

Details behind our 'value of rewards' calculations

  • 1 point per dollar on Visa, uncapped

  • 18000 points buys a Amplify $99 annual fee

  • 22200 points buys a Myer $100 Gift Card

  • 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Sydney-Melbourne flight

  • 1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner Sydney-London flight

* How did we do it? Find out...

Rates

  • 19.49% p.a.

  • none

  • 3.00% p.a. for 36 months and then 20.24% p.a.

  • yes

  • 20.24% p.a.

  • 55

Fees

  • $79.00

  • $0 in the first 1 year

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $7.50

  • $10.50

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • 1

  • none

  • none

Rewards scheme

  • Points are automatically credited to the Qantas Frequent Flyer program.
  • All rewards are redeemed via Qantas Frequent Flyer.

Value of rewards points

  • Need to spend $32,320 (Visa)

  • Need to spend $16,000 (Visa)

  • Need to spend $240,000 (Visa)

  • Uncapped

  • Never

Details behind our 'value of rewards' calculations

  • 0.5 points per dollar on Visa, uncapped

  • 16160 points buys a Myer $100 Gift Card

  • 8000 points buys a Qantas Sydney-Melbourne flight

  • 120000 points buys a Qantas Sydney-London flight

* How did we do it? Find out...

Rates

  • 19.49% p.a.

  • none

  • 3.00% p.a. for 36 months and then 20.24% p.a.

  • yes

  • 20.24% p.a.

  • 55

Fees

  • $79.00

  • $0 in the first 1 year

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $7.50

  • $10.50

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • 1

  • none

  • none

About BankSA

BankSA is the largest financial institution in South Australia, and boasts the largest network of branches and ATMs in the state. BankSA aims to help South Australians get the best from their money, and offers a wide range of bank accounts, home loans, personal loans, credit cards and other financial services.

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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