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Summary

Let’s recap on your choice of an Amplify Rewards Platinum card – before you start your application.

  

The important numbers

Annual card fee $124
Variable purchase rate 20.99% p.a. 
Variable cash advance rate 21.99% p.a. 
Minimum credit limit $6,000

New cards only.

Up to 120,000 bonus Amplify points

90,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases† within 90 days of new card approval and an extra 30,000 points after your first eligible purchase in year 2*. Plus, a $99 first year card fee (reverts to $124 p.a. thereafter)**. 

Offer not available if you’ve held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months. New cards only. T&Cs Apply.

 

What you'll get

  • 1 Amplify Point per $ spent on all eligible purchases, uncapped²

  • Complimentary travel and purchase insurances⁴

  • Up to 55 days interest-free on purchases¹

  • A lower annual card fee than our Amplify Rewards Signature card


     

Considerations

  • A higher interest rate on purchases than our Vertigo card

  • A higher annual card fee than our Vertigo and No Annual Fee cards

  • Doesn’t offer complimentary lounge passes or Concierge Services

See if you’re likely to be approved

Answer these questions to see if your application is more or less likely to be approved.

Have you received a regular income in the last 3 months?

Do you have at least $100 remaining each month after covering your expenses?

Have you paid all your bills and loans on time in the last 12 months?

Without a steady and reliable income, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, BankSA makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against BankSA’s credit criteria.

 

If you can’t cover your expenses with a little to spare, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, BankSA makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against BankSA’s credit criteria.

 

If you've missed repayments in the last 12 months, we're less likely to approve your application. Consider applying when your circumstances change.

As part of your application, BankSA makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against BankSA’s credit criteria.

 

Based on your answers, we’re more likely to approve your application.

As part of your application, BankSA makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against BankSA’s credit criteria.

 

 

 

Before continuing

A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:

  • You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
Important information

Key Facts Sheet

Credit Card Terms and Conditions (PDF 351KB)

Amplify Terms and Conditions (PDF 257KB)

Credit Card Accounts Fees and Charges (PDF 1MB)

Credit Card Complimentary Insurance Terms and Conditions (PDF 482KB)

Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you.

Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

<Converting Amplify Points: You can convert the points earned on your Amplify Rewards Signature or Amplify Rewards Platinum credit card to e-gift cards via your Amplify Rewards Account, which can be accessed via BankSA Internet or Mobile Banking. The estimated e-Gift card value in the above examples are based on current redemption rates as at 4th April 2022 and is subject to change without notification. All redemption of Amplify Points are subject to availability and the Amplify Terms and Conditions (PDF 257KB).

*Amplify Platinum Bonus Amplify Points Offer: Offer commenced 26th March 2025. To be eligible for bonus Amplify Reward Points, you must apply and be approved for a new Amplify Rewards Platinum card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $3k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Amplify Rewards Platinum Discounted First Year Fee: Offer commenced 26th March 2025. The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Rewards Platinum credit card before the offer is withdrawn. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

† Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.

2 The earning and redemption of Amplify Points is subject to the Amplify Terms and Conditions (PDF 257KB). Purchases that are not eligible to earn points include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

4 Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible BankSA cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 482KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.