for 14 months then 19.74%
Max Free Days
Number free supplementary
Interest Free Days
Maximum credit limit
Late Payment Fee
Minimum credit limit
Over limit fee
Minimum repayment dollars
Duplicate statement fee
Minimum repayment percent
Supplementary card annual fee
for 14 months then 19.74%
Cash advance rate
Balance Transfer Rate
Balance Transfer Fee
Foreign Exchange Fee
3% on Visa
Estimated ATM Cost
for AU $300 withdrawal
Qantas Frequent Flyer
Gift Card, Domestic Flights, International Flights, Flight Upgrades, Qantas Shop, Qantas Hotels
NO strict minimum income, all circumstantial
457 Visa holder
|0.5 points for $1 spent||Visa||uncapped||eligible purchases|
- Free Supplementary Cards
Can redeem twice the number of Qantas Points, once with Amplify Platinum card and again with program partner
Compare and review credit cards with similar features
The bank offers a number of credit cards alongside personal finance products such as bank accounts, home loans and personal loans.
Although Bank of Melbourne branches are limited to Victoria, customers can also get service at St George Bank and SA Bank branches in other states, and access their ATM networks.
The BankSA Amplify Classic credit card offers a moderate interest rate, with a moderate annual fee and uncapped points for eligible purchases.
It allows one additional cardholder (16 years or over) at no additional cost, and comes with a moderate number of interest-free days for purchases.
New applicants can take advantage of the 0 percent offer for balance transfers. However, a 1 per cent balance transfer fee applies at the time of transfer.
BankSA Amplify Classic credit card customers can earn and redeem Qantas points as part of the Amplify Qantas program.
The credit card allows customers to earn double points on purchases with Qantas Frequent Flyer Program partners – once with the card and once with the program partner.
The Qantas Points earned by use of the card or the card account can be transferred to a nominated Qantas Frequent Flyer membership account.
- Earn Qantas points
- Low minimum credit limit
- Free additional cardholder
- Dishonour fee charged
- Late payment fee charged
- Moderate cash advance interest rate
Who is it good for?
This credit card would be beneficial for members of the Qantas Frequent Flyer program. As a cardholder, you can opt to join the Amplify Qantas program.
This program gives you the opportunity to earn uncapped Qantas points when you use the card for eligible purchases and payments.
You can redeem points for flights and upgrades with Qantas or one of its 35 partner airlines, and more than 3,000 products, experiences and vouchers from the Qantas Store.
If you’re not a Qantas Frequent Flyer, you have the option of joining the Amplify Rewards program to earn Amplify points.
There is no limit on the number of Amplify points you can earn in any statement cycle. The rewards available through Amplify Rewards are available on the Amplify Rewards website.
Whichever points program you choose, you will get the benefit of a credit card that offers customers an uncapped rewards program.
What RateCity says
The BankSA Amplify Classic credit card has been designed with Qantas Frequent Flyer members in mind – so if that’s you, you might find this card suitable.
An attractive feature for Amplify Qantas members is the ability to double-up the points earned. This is achieved via eligible purchases with Qantas Frequent Flyer Program partners. You’re rewarded with points by the card and with the program partner.
Outside of the Amplify Qantas program, the credit card itself has standard features like 24/7 fraud monitoring, phone and internet banking, and an automatic repayment plan.
The BankSA Amplify Classic comes with Visa payWave contactless payments for transactions under $100, although there are no tap-and-pay features such as Android or Apple Pay.
If you’re not interested in earning Qantas points, there are a range of other credit cards offering more competitive fees and charges.
To be eligible for a BankSA Amplify Classic credit card, you must be 18 years old and a permanent Australian resident. You can apply online or in a branch and would need either an Australian driver's licence, Medicare card, passport, Australian birth certificate or NSW Photo Card as ID. You would also need evidence of income, employment and any financial commitments. If you’re an Australian visa holder, you may need to provide foreign tax details.
BankSA, also known as the Bank of South Australia, is the largest financial institution in South Australia and the state's largest home lender. It was established in 1848 as a small one-person outfit. The bank's first depositor was an Afghan shepherd, who entrusted his life savings of 29 pounds to the newly formed bank. BankSA is now a division of Westpac Banking Corporation, having been a division of St. George Bank before Westpac and St. George merged in 2008.
Nick Bendel is RateCity’s property and personal finance editor, and an experienced journalist with numerous writing credits to his name. To date. He covers property, home loans, credit cards, superannuation and other bank products, and loves getting elbow-deep in the latest ABS, APRA and RBA data.
If you don’t have your wallet available but need cash, you might be wondering how to get cash with just a credit card number.
Banks and merchants usually will not allow you to access cash without a physical card, because doing so would open up opportunities for fraudulent activities. Even most non-cash credit card transactions (such as shopping online) require you to know the expiry date and CVV on your credit card in addition to the card number.
However, some banks offer cardless cash for transaction accounts – meaning you can access your cash without having a card. Using a secure app installed on your mobile phone, you can log onto an ATM and withdraw the money you need. This could be a practical and secure solution if you don’t have a card and need cash.
Yes, there are credit cards available with students in mind. These can help young Australians to build their credit report and learn crucial life skills around budgeting and managing personal finances.
Credit cards aren’t something you want to collect unnecessarily. If you’ve paid the balance off or have upgraded to a new credit card, it’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.
In Australia it is impossible to get a credit card without the provider performing a credit check first. This is for your benefit, as it helps to prevent you from falling into avoidable debt.
Pensioners can get credit cards with certain banks – if they can convince the bank they’re credit-worthy. Here are some points to consider if you are a pensioner looking for a credit card:
Annual income: Look for a credit card for which you easily fall within the minimum annual income requirements. This can be from the pension, superannuation or any other sources.
Annual fees: If high fees are a concern for you, opt for a card with a low or $0 annual fee. You want to make it as easy as possible to fit a credit card into your current lifestyle and spending habits.
Interest rate: Make sure you won’t have any nasty surprises on your credit card bill. Choose a card with a low interest rate to minimise risk (to both yourself and the bank – and this will help your application).
Generally, when we talk about credit card interest, we mean the purchase interest rate, which is the interest charged on purchases you make with your credit card.
If you don’t pay your full balance each month (or even if you pay the minimum amount), you are charged interest on all the outstanding transactions and the remaining balance. However, interest is also charged on cash advances, balance transfers, special rate offers and, in some cases, even the fees charged by the company.
The interest rate can vary, depending on the credit card. Some have an interest-free period, otherwise you start paying interest from the day you make a purchase or from the day your monthly statement is issued. So avoid interest by paying the full amount promptly.
Yes, as credit card providers look at your annual income amount as well as your occupation. Minimum income requirements tend to be between $30,000 – $40,000 for standard and rewards credit cards, however low income credit cards can have minimum income requirements as low as $15,000 per year.
Credit cards can be useful, provided you understand the risks. If you’re wondering about how to make a credit card online application, here are some steps to follow:
- Test the market – Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
- Complete the application – Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
- Provide details – Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
- Review details – Ensure the information you’ve entered is correct.
Yes, some lenders will provide credit cards to Australians with bad credit scores but it depends on their individual lending criteria and whether you’ve presented your personal finances to show you’re an ‘ideal’ borrower.
Stamp duty is a tax that’s payable when you buy a property in Australia. The amount varies from state to state. Different states also have different rules about whether you can pay stamp duty with a credit card.
Some allow payments only from a savings or chequing account, whereas others allow payment through BPAY – and you may be able to do this through your credit card.
Check the payment options for stamp duty on your local state revenue office website. Also read the fine print to see if BPAY payments on your credit card are considered cash advances, as this could attract a higher interest rate.