{
  "brand": "BankSA",
  "brand_label": "BankSA",
  "brand_slug": "banksa",
  "legal_entity_abn": "33007457141",
  "public_base_uri": "https://digital-api.banksa.com.au",
  "logo_uri": "https://www.banksa.com.au/content/dam/bsa/images/home/BSA-logo_1200x1200.jpg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-05T02:44:45Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":41,"of":52,"product_label":"Vertigo","card_type":"credit","purchase_rate_pct":13.99,"annual_fee":84.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":80000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":20,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":10,"of":22,"product_label":"Vertigo","card_type":"credit","purchase_rate_pct":13.99,"annual_fee":84.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":80000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":20,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":19,"of":24,"product_label":"Amplify Rewards Platinum","card_type":"credit","purchase_rate_pct":23.98,"annual_fee":175.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":45,"min_credit_limit":6000.0,"max_credit_limit":80000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Amplify Platinum Rewards","conditions":"k2","restrictions":[],"record_stale":false},
      {"segment":"business","kind":"low_rate","rank":2,"of":13,"product_label":"VISA Business","card_type":"credit","purchase_rate_pct":9.99,"annual_fee":55.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":null,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k3","restrictions":[],"record_stale":false},
      {"segment":"business","kind":"rewards","rank":3,"of":9,"product_label":"Amplify Business","card_type":"credit","purchase_rate_pct":19.49,"annual_fee":89.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":null,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Amplify Rewards","conditions":"k4","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards",
        "the first-year fee waiver in the feed is for the bank's existing customers only",
        "credit limit $500 to $80,000",
        "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)",
        "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)",
        "Have a fixed residential address in Australia",
        "offers not available if you held a BankSA, St.George or Bank of Melbourne credit card in the last 24 months",
        "switches, upgrades and Westpac Group staff are not eligible for the promotion",
        "with the cashback offer, 6.99% on balance transfers for 12 months instead"
      ],
      "k2": [
        "credit limit $6,000 to $80,000",
        "rewards programme fee $75 a year on top of the card fee",
        "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)",
        "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)",
        "Have a fixed residential address in Australia",
        "switches, upgrades and Westpac Group staff are not eligible for the promotion",
        "earn falls to 0.5 Amplify points per $1 once $5,000 is spent in a statement cycle",
        "$99 card fee in the first year for a new card, then $175",
        "bonus points not for anyone who holds or held a St.George, Bank of Melbourne or BankSA Amplify card in the last 24 months, switches or Westpac staff"
      ],
      "k3": [
        "business: Intend to use the card predominantly for business expenditure",
        "business: Should have business registered in Australia",
        "no missed payment fee on business cards",
        "9.99% purchase rate is for new cards only",
        "$55 card fee for each card, up to 99 cards"
      ],
      "k4": [
        "no card fee in the first year, as the feed's discount states",
        "business: Intend to use the card predominantly for business expenditure",
        "no missed payment fee on business cards",
        "first-year card fee waiver for a new card; first fee charged 12 months after the first transaction",
        "uncapped points; up to 2.5 Amplify Points per $1 on international spending"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "BSACCBusAmplifyBusiness",
      "product_name": "Amplify Business",
      "product_label": "Amplify Business",
      "product_slug": "amplify-business",
      "page": "/au/finance/credit-cards/cards/banksa/amplify-business/",
      "product_url": "https://www.banksa.com.au/business/credit-card/rewards",
      "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/business/credit-card/bsa-amplify-business-credit-card-cou.pdf",
      "fees_url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/bsa-cc-fee-charges.pdf",
      "eligibility_url": "https://www.banksa.com.au/business/credit-card/rewards",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Amplify Business is a personal liability business credit card that rewards you for your business expenses. Earn something more rewarding with uncapped points on eligible business purchases.",
      "purchase_rate_pct": 19.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Purchase rate",
      "cash_advance_rate_pct": 20.24,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 89.0,
      "fee_period": "annual",
      "fee_as_stated": 89.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Card Fee",
      "fee_offers": [
        "Card Fee Waiver"
      ],
      "first_year_fee_waived": true,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 0.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": "Amplify Rewards",
      "rewards_programs": [
        "Amplify Rewards",
        "Amplify Qantas"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Complimentary insurance: Including Transit Accident Insurance and Unauthorised Transactio…"
      ],
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": 1,
      "additional_cards_offered": true,
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "no card fee in the first year, as the feed's discount states",
        "business: Intend to use the card predominantly for business expenditure",
        "no missed payment fee on business cards",
        "first-year card fee waiver for a new card; first fee charged 12 months after the first transaction",
        "uncapped points; up to 2.5 Amplify Points per $1 on international spending"
      ],
      "eligibility": [
        "business: Intend to use the card predominantly for business expenditure"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "business",
          "kind": "rewards",
          "rank": 3,
          "of": 9,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSACCBusAmplifyBusiness",
      "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCBusAmplifyBusiness.json",
      "snapshot_at": "2026-10-30T23:40:14Z",
      "bank_last_updated": "2026-10-29T01:03:02Z",
      "from_issuer_page": null
    },
    {
      "product_id": "BSACCAmplifyPlatinumcardFrequentFlyer",
      "product_name": "Amplify Qantas Platinum",
      "product_label": "Amplify Qantas Platinum",
      "product_slug": "amplify-qantas-platinum",
      "page": "/au/finance/credit-cards/cards/banksa/amplify-qantas-platinum/",
      "product_url": "https://www.banksa.com.au/personal/credit-cards/frequent-flyer/amplify-platinum/summary",
      "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/credit-cards/bsa_credit_card_terms_and_conditions.pdf",
      "fees_url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/bsa-cc-fee-charges.pdf",
      "eligibility_url": "https://www.banksa.com.au/personal/credit-cards/frequent-flyer/amplify-platinum",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our mid-tier credit card for Qantas point lovers",
      "purchase_rate_pct": 23.98,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Interest on purchases",
      "cash_advance_rate_pct": 23.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 175.0,
      "fee_period": "annual",
      "fee_as_stated": 175.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Card Fee",
      "fee_offers": [
        "Existing Reduced First year Annual Card Fee"
      ],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": null,
      "late_payment_fee": 20.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": "Amplify Platinum Qantas",
      "rewards_programs": [
        "Amplify Platinum Qantas"
      ],
      "rewards_program_fee": 125.0,
      "bonus_offer": "30000 Earn 30,000 bonus Qantas Points if you spend $6k+ on eligible purchases within 90 days of new card approval. Already with BankSA? Sign in to apply for a $99 card fee for the first year (reverts to $175 p.a. thereafter). Offer not available if you've held a BankSA, St.George or Bank of Melbour…",
      "cashback_offer": null,
      "insurances": [
        "Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australi…"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 1,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": 80000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $6,000 to $80,000",
        "rewards programme fee $125 a year on top of the card fee",
        "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)",
        "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)",
        "Have a fixed residential address in Australia",
        "bonus offer for new cards only; not if you held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months",
        "switches, upgrades and Westpac Group staff are not eligible for the promotion",
        "earn falls to 0.2 Qantas Points per $1 once $5,000 is spent in a statement cycle",
        "existing BankSA customers: $99 card fee in the first year, then $175"
      ],
      "eligibility": [
        "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)",
        "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)",
        "Have a fixed residential address in Australia"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSACCAmplifyPlatinumcardFrequentFlyer",
      "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCAmplifyPlatinumcardFrequentFlyer.json",
      "snapshot_at": "2026-10-30T23:40:14Z",
      "bank_last_updated": "2026-10-29T01:03:01Z",
      "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    },
    {
      "product_id": "BSACCAmplifySignaturecardFrequentFlyer",
      "product_name": "Amplify Qantas Signature",
      "product_label": "Amplify Qantas Signature",
      "product_slug": "amplify-qantas-signature",
      "page": "/au/finance/credit-cards/cards/banksa/amplify-qantas-signature/",
      "product_url": "https://www.banksa.com.au/personal/credit-cards/frequent-flyer/amplify-signature/summary",
      "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/credit-cards/bsa_credit_card_terms_and_conditions.pdf",
      "fees_url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/bsa-cc-fee-charges.pdf",
      "eligibility_url": "https://www.banksa.com.au/personal/credit-cards/frequent-flyer/amplify-signature",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "signature",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our top-tier credit card for Qantas point lovers",
      "purchase_rate_pct": 23.98,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Interest on purchases",
      "cash_advance_rate_pct": 23.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 295.0,
      "fee_period": "annual",
      "fee_as_stated": 295.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Card Fee",
      "fee_offers": [
        "Existing Reduced First year Annual Card Fee"
      ],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": null,
      "late_payment_fee": 20.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": "Amplify Signature Qantas",
      "rewards_programs": [
        "Amplify Signature Qantas"
      ],
      "rewards_program_fee": 155.0,
      "bonus_offer": "60000 Earn 60,000 bonus Qantas Points if you spend $9k+ on eligible purchases within 90 days of new card approval. 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.",
      "cashback_offer": null,
      "insurances": [
        "Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australi…"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 1,
      "additional_cards_offered": true,
      "min_credit_limit": 15000.0,
      "max_credit_limit": 80000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $15,000 to $80,000",
        "rewards programme fee $155 a year on top of the card fee",
        "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)",
        "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)",
        "Have a fixed residential address in Australia",
        "bonus offer for new cards only; not if you held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months",
        "switches, upgrades and Westpac Group staff are not eligible for the promotion",
        "earn falls to 0.25 Qantas Points per $1 once $10,000 is spent in a statement cycle",
        "existing BankSA customers: $200 card fee in the first year, then $295"
      ],
      "eligibility": [
        "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)",
        "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)",
        "Have a fixed residential address in Australia"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSACCAmplifySignaturecardFrequentFlyer",
      "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCAmplifySignaturecardFrequentFlyer.json",
      "snapshot_at": "2026-10-30T23:40:14Z",
      "bank_last_updated": "2026-10-29T01:03:01Z",
      "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    },
    {
      "product_id": "BSACCAmplifyPlatinumcardRewards",
      "product_name": "Amplify Rewards Platinum",
      "product_label": "Amplify Rewards Platinum",
      "product_slug": "amplify-rewards-platinum",
      "page": "/au/finance/credit-cards/cards/banksa/amplify-rewards-platinum/",
      "product_url": "https://www.banksa.com.au/personal/credit-cards/rewards/amplify-platinum/summary",
      "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/credit-cards/bsa_credit_card_terms_and_conditions.pdf",
      "fees_url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/bsa-cc-fee-charges.pdf",
      "eligibility_url": "https://www.banksa.com.au/personal/credit-cards/rewards/amplify-platinum",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our mid-tier credit card that lets you earn Amplify points",
      "purchase_rate_pct": 23.98,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Interest on purchases",
      "cash_advance_rate_pct": 23.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 175.0,
      "fee_period": "annual",
      "fee_as_stated": 175.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Card Fee",
      "fee_offers": [
        "Reduced First year Annual Card Fee - New",
        "Existing Reduced First year Annual Card Fee"
      ],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": null,
      "late_payment_fee": 20.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": "Amplify Platinum Rewards",
      "rewards_programs": [
        "Amplify Platinum Rewards",
        "Amplify Rewards Points"
      ],
      "rewards_program_fee": 75.0,
      "bonus_offer": "50000 Earn 50,000 bonus Amplify Points if you spend $6k+ on eligible purchases within 90 days of new card approval. Plus, a $99 first year card fee (reverts to $175 p.a. thereafter). A $75 annual Amplify Rewards Program fee still applies. Offer not available if you've held a BankSA, St.George or Ba…",
      "cashback_offer": null,
      "insurances": [
        "Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australi…"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 1,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": 80000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $6,000 to $80,000",
        "rewards programme fee $75 a year on top of the card fee",
        "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)",
        "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)",
        "Have a fixed residential address in Australia",
        "switches, upgrades and Westpac Group staff are not eligible for the promotion",
        "earn falls to 0.5 Amplify points per $1 once $5,000 is spent in a statement cycle",
        "$99 card fee in the first year for a new card, then $175",
        "bonus points not for anyone who holds or held a St.George, Bank of Melbourne or BankSA Amplify card in the last 24 months, switches or Westpac staff"
      ],
      "eligibility": [
        "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)",
        "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)",
        "Have a fixed residential address in Australia"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "rewards",
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}