Covers all prepaid non-refundable travel with no dollar cap if you cancel for a reason outside your control, such as illness, injury or death. A travel agent's cancellation fee is limited to the lesser of $500 or 15%. A $300 excess applies per claim, and the cover only works if the trip was charged to the card.
BankSA credit card travel insurance: what does the Amplify actually cover?
BankSA·A$175/year·Visa Platinum·Allianz Australia Insurance Limited (administered by Allianz Global Assistance)
4,2/5Independent review · verified August 2026
4,3
4,4
3,2
Our Verdict · Travel Insurance
Our take on travel insurance for the BankSA Amplify
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Unlimited overseas medical. Three-month cap. Here is what that means for an Amplify Platinum cardholder. Charge $500 of prepaid travel to the card, hold a return ticket, and the overseas cover is genuinely strong: unlimited emergency medical, cancellation with no dollar cap, and rental excess to $5,500, each with a $300 excess (the amount you contribute to a claim). The catch is activation, not generosity. Most cardholders assume holding the card is enough. It isn't: the policy pays only when the trip was charged to the card, so a points booking where only taxes hit the card can leave you uninsured. That is where BankSA travel insurance parts ways with a standalone policy, which covers you the moment you pay for it, with no spend condition and no three-month ceiling. If you charge your travel to the card and stay under three months, the cover does the job; if you book on points or travel longer, read the activation clause first.
What works on travel
- Unlimited overseas emergency medical: no dollar cap on hospital and treatment, $300 excess per claim
- Cancellation with no dollar cap on all prepaid non-refundable travel, once activated
- Overseas rental excess to $5,500 plus a separate Australian rental excess benefit
- Interstate Flight Inconvenience cover: domestic cancellation to $3,000 and flight delay from 4 hours
- Covers cardholder, spouse or partner and dependants when each meets the $500 spend and return-ticket condition
Where travel breaks down
- Activation by spend: no cover unless at least $500 of prepaid travel was charged to the card and you hold a return ticket
- Overseas cover stops at three consecutive months per trip on this Level 2 card
- Age cap of 81: travellers aged 81 or over get no international cover
- Pre-existing conditions need to be on the auto-covered list or assessed for a $45 fee
- No domestic medical cover, since Medicare applies within Australia
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 20 guarantees
What does BankSA Amplify Travel Insurance actually cover?
Cover only applies if at least $500 of prepaid travel was charged to the card and you hold a return ticket. Book on points with only taxes on the card and the trip may not be covered.
What's covered
- Illness, injury or death of you, a travel companion or a relative
- Unforeseen circumstances outside your control
- Travel agent cancellation fee, lesser of $500 or 15%
What's not covered
- Pre-existing conditions not on the auto-covered list or not assessed
- Cancellation for a reason within your control
- Disinclination to travel
Overseas cover runs up to 3 consecutive months per trip on this Level 2 card, and only if the trip was charged to the card. Longer trips need a standalone policy.
Pays overseas emergency medical and hospital costs with no dollar cap, arranged through the 24/7 assistance line. Treatment and hospitalisation are covered within 12 months of the injury or sickness. A $300 excess applies per claim. Emergency dental for spontaneous toothache is a sub-benefit, capped at $2,000.
What's covered
- Overseas emergency medical and hospital treatment
- Overseas emergency assistance, 24/7
- Spontaneous dental toothache to $2,000
What's not covered
- Pre-existing conditions not on the auto-covered list or not assessed
- Pregnancy after the 26th week
- Travel against medical advice
Covers emergency evacuation and repatriation home with no dollar cap, arranged by Allianz Global Assistance around the clock. Repatriation of remains and funeral expenses overseas are also included. A $300 excess applies to evacuation and repatriation, with no excess on funeral expenses.
What's covered
- Emergency evacuation to the nearest suitable hospital, then home
- Repatriation of remains or overseas funeral expenses
- 24/7 assistance coordination
What's not covered
- Travel against medical advice
- Evacuation not authorised by the assistance line
Pays up to $2,000 per person for emergency dental treatment of sudden acute pain to natural teeth (spontaneous toothache) overseas. Routine and cosmetic dental work is not covered. A $300 excess applies per claim.
What's covered
- Emergency treatment of spontaneous toothache to natural teeth
What's not covered
- Routine or cosmetic dental
- Dental work planned before travel
Pays $100 per person per day as a cash allowance while you are hospitalised overseas, up to a total of $15,000 per person. It is on top of the medical cover, meant for incidentals during a hospital stay. A $300 excess applies.
What's covered
- Cash allowance for each day of overseas hospitalisation
What's not covered
- Outpatient treatment
- Hospitalisation within Australia
Covers additional travel and accommodation expenses with no dollar cap when your trip is disrupted by injury, illness or a covered event overseas. It also covers costs from your evacuation, or the repatriation of dependants left without supervision. A $300 excess applies per claim.
What's covered
- Additional travel and accommodation from your incapacity
- Emergency expenses for a necessary companion
- Repatriation of dependants left unsupervised
What's not covered
- Expenses recoverable from another source
- Costs within your control
After a delay of six consecutive hours, pays up to $500 per person for meals and accommodation, up to a total of $1,100 for a cardholder travelling with family. A $300 excess applies. The delay must be to your scheduled transport and outside your control.
What's covered
- Meal and accommodation expenses during a delay
What's not covered
- Delay you were aware of before travel
- Delay caused by your actions
Pays up to $3,750 for alternative transport to reach a destination on time after a covered delay to your scheduled transport. A $300 excess applies. It is meant for reasonable extra transport costs, not upgrades.
What's covered
- Reasonable alternative transport to reach a booked event or connection on time
What's not covered
- Upgrades or non-essential transport
- Delay within your control
Pays up to $5,750 per person, to a total of $12,500 for a family, to fly home and resume your journey after the death of a relative living overseas or in Australia. A $300 excess applies. It covers both the return home and the cost to continue the trip.
What's covered
- Return home following the death of a relative
- Resumption of the journey afterwards
What's not covered
- Foreseeable events
- Pre-existing conditions of the relative not covered
If a common carrier (any scheduled airline, train, bus or ferry) delays your checked luggage, pays up to $800 per person for essential replacement items, to a total of $1,600 for a family. No excess applies. Keep receipts for anything you buy while you wait.
What's covered
- Essential replacement clothing and toiletries during a luggage delay
What's not covered
- Items bought after the luggage is returned
- Non-essential purchases
Covers lost, stolen or damaged luggage and personal effects up to $20,000 per person, to a family total of $30,000. Per-item sub-limits apply: $5,000 for most items, $5,500 per camera, and $5,500 total for laptops. A $300 excess applies. Sporting equipment while in use is not covered.
What's covered
- Loss, theft or damage to baggage and personal effects
- Cameras and laptops within their sub-limits
What's not covered
- Sporting equipment while in use
- Valuables left unattended in a vehicle beyond the $5,000 limit
Pays up to $550 per person, to a family total of $1,250, to replace lost or stolen travel documents, transaction cards, travellers cheques and cash. No excess applies. It covers the reissue cost and lost currency within the limit.
What's covered
- Replacement of passports and travel documents
- Transaction cards, travellers cheques and cash within the limit
What's not covered
- Losses not reported
- Depreciated value beyond the limit
Covers your legal liability for injury to another person or damage to their property overseas, up to $2,500,000. No excess applies. Liability tied to vehicles, aircraft or watercraft is excluded.
What's covered
- Legal liability for third-party injury or property damage overseas
What's not covered
- Liability involving vehicles, aircraft or watercraft
- Liability to family or travel companions
Pays a lump sum of $50,000 for a cardholder, $25,000 for a spouse and $25,000 for a dependant on accidental death during the journey, up to a family total of $150,000. No excess applies.
What's covered
- Lump sum on accidental death during the journey
What's not covered
- Death from illness or pre-existing conditions
- Death from excluded activities
If an overseas injury stops you working after you return, pays your verified income up to $1,000 per person per week for a cardholder and spouse, limited to 12 weeks and $12,000 combined. No excess applies. A waiting period and proof of income apply.
What's covered
- Income replacement after an overseas injury prevents work
What's not covered
- Loss from illness rather than injury
- Self-employment losses not verifiable
Under the Interstate Flight Inconvenience benefit, covers cancellation of a prepaid return interstate flight up to $3,000 when the flight was charged to the card. A $300 excess applies. It is domestic air travel cover, not a full domestic travel policy.
What's covered
- Cancellation of a prepaid return interstate flight for a covered reason
What's not covered
- Reasons within your control
- Pre-existing conditions not covered
After an interstate flight delay of four hours or more, pays $125 per person for meals and accommodation, up to a total of $500. No excess applies. The interstate flight must have been charged to the card.
What's covered
- Meals and accommodation after a domestic flight delay of 4 hours or more
What's not covered
- Delay within your control
- Delay known before travel
No domestic additional expenses cover. The Interstate Flight Inconvenience benefit covers cancellation, flight delay, luggage and funeral costs only. Extra travel and accommodation from a disrupted interstate trip are the cardholder's responsibility.
What's not covered
- Not a benefit under the Interstate Flight Inconvenience section
Covers luggage lost or damaged on an interstate flight, up to $500 per item and $1,500 in total. A $300 excess applies. The interstate flight must have been charged to the card.
What's covered
- Loss or damage to luggage on a covered interstate flight
What's not covered
- Items outside the per-item limit
- Unattended items
If your luggage is delayed 12 hours or more on an interstate flight, pays $125 per person for essential items, up to a total of $500. No excess applies. Keep receipts for what you buy while you wait.
What's covered
- Essential purchases after a domestic luggage delay of 12 hours or more
What's not covered
- Purchases after luggage is returned
- Non-essential items
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the BankSA Amplify wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
AmplifyThis card4.2/5?
A$175/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
A$240 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the BankSA Amplify stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Amplify shoppers also consider.
| Card | This card Amplify BankSA · A$175/yr 4.2/5? | Amplify Rewards Platinum BankSA · A$175/yr 4.3/5? | Amplify Signature Bank of Melbourne · A$295/yr 4.3/5? | Amplify Qantas Platinum BankSA · A$250/yr 4.3/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Unlimited Unlimited prepaid travel | Unlimited All prepaid travel | Unlimited Unlimited | Unlimited All prepaid travel |
Emergency medical Hospital bills abroad | Unlimited Unlimited | Unlimited Unlimited | Unlimited Unlimited | Unlimited Unlimited |
Emergency evacuation Air ambulance + repatriation | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation |
Trip delay trigger Hours before benefits kick in | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours |
Trip interruption Covered amount | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the BankSA Amplify
Verified BankSA cardholder and customer reviews 38 reviews
B(
Brian (ProductReview)
Country branch staff went the extra mile
On holiday at Kingston SE used BankSA, staff friendly and helpful, ready to lend a hand always, keep country branches open.
N(
Niki (ProductReview)
Couldn't get through the credit card sign-up
The website is buggy as hell. I tried to sign up for a credit card but got stuck halfway through the process because the page wasn't loading.
SB
Suzanne Bishop (ProductReview)
No help with card fraud on a weekend
Trying to report an issue with potential fraud on my credit card during a weekend. Very very stressed. But could not get any help whatsoever on a Saturday afternoon.
Emergency · Card assistance line
How to contact BankSA Amplify assistance?
Australia Assistance
1800 227 773
24/7
Overseas Assistance (reverse charge)
+61 7 3305 7468
Reverse charge accepted · 24/7
Benefit administrator: Allianz Global Assistance (AWP Australia) for BankSA
Claims & pre-authorizations
How to make a BankSA Amplify claim
1
Step 1: Call the 24/7 assistance line before treatment where you can
For a medical emergency overseas, call Allianz Global Assistance on +61 7 3305 7468 (reverse charge) before treatment where possible, or 1800 227 773 within Australia. Save both numbers in your phone before you fly.
2
Step 2: Lodge the claim and gather your documents
Lodge online at insurance.agaassistance.com.au/banksa or call 1800 091 710 (Mon to Fri 8am to 8pm, Sat 8am to 5pm AEST). Gather itemised accounts, a property irregularity report from the airline for luggage, and the rental agreement for an excess claim.
3
Step 3: Prove the trip was charged to the card
The first thing the insurer checks is activation, so include the card statement showing at least $500 of prepaid travel was charged to the account. Expect roughly 4 to 8 weeks from lodging to a decision, and keep every document dated.
FAQ
What people ask about the BankSA Amplify
- The overseas cover switches on when you charge at least $500 of your prepaid travel costs to your BankSA Amplify and hold a return overseas travel ticket, before you leave Australia. There is no separate registration step, but the cover is not automatic from simply holding the card. You also need to be aged under 81, and your journey must begin and end in Australia. As an Amplify Platinum, this is a Level 2 card, so overseas cover runs for up to three consecutive months. If you book with points and only the taxes hit the card, check the spend condition carefully, because that may not be enough to activate the cover.
- Cover extends to the cardholder, their spouse or de facto partner, and dependants, when each person individually meets the conditions. That means each traveller charges at least $500 of prepaid travel to the card, holds a return ticket, and is aged under 81. Spouses and dependants must travel with the cardholder for at least half the trip, and dependants under two are covered when travelling along. Additional cardholders are not automatically covered travellers. Always check each person against the covered-persons definition in your PDS (Product Disclosure Statement, the policy booklet) before you rely on the cover.
- It reimburses the excess (the amount the hire company makes you pay towards damage) after a hire vehicle is damaged or stolen, up to $5,500. It does not waive the damage, so the hire company charges you the excess and you claim it back afterwards. The BankSA Amplify covers this both overseas, inside the international travel policy, and in Australia, through a separate Rental Vehicle Excess in Australia benefit. To qualify, charge the full rental to the card. A $300 excess applies per claim, so keep the rental agreement and repair invoice for your claim.
- Claims go through Allianz Global Assistance, the administrator behind the policy. Lodge online at insurance.agaassistance.com.au/banksa or call 1800 091 710 (Monday to Friday 8am to 8pm, Saturday 8am to 5pm AEST). Keep the documents that prove the loss: itemised accounts for medical or delay costs, a property irregularity report from the airline for luggage, and your card statement showing the trip was charged. The first thing the insurer checks is that the trip was charged to the card. Some cardholders report clean approvals within a few weeks, others describe repeated document requests, so lodge early and keep everything dated.
- The biggest gap is activation: if you did not charge at least $500 of prepaid travel to the card and hold a return ticket, there is no overseas cover at all. There is no mobile phone insurance, no refund cover and no price guarantee. Pre-existing conditions are excluded unless they are on the auto-covered list or you have them assessed for a $45 fee, and cover stops once an overseas trip runs past three consecutive months. Off-piste skiing, off-piste snowboarding and snowmobiling are excluded, and there is no medical cover for domestic trips, since Medicare applies within Australia.
- As an Amplify Platinum, the card is a Level 2 card, so a single overseas journey is covered for up to three consecutive months. The premium Amplify Signature is a Level 1 card and runs to six months, but this tier stops at three. If your return to Australia is delayed by a covered event, the cover can be extended automatically by up to four weeks. For a trip longer than three months, you would need a standalone travel policy for the remaining days, because the card cover simply ends at the three-month mark.
- Yes, through a separate Interstate Flight Inconvenience benefit that applies to return flights between Australian states charged to the card. It covers domestic flight cancellation up to $3,000, flight delay from four hours at $125 per person, luggage and luggage delay, and funeral expenses. There is no overseas-style medical cover on domestic trips, because Medicare applies within Australia. The limits are lower than the overseas policy, so treat it as genuine cover for interstate air travel, not a full domestic travel policy.
- No. The BankSA Amplify does not include mobile phone or smartphone insurance, so theft or accidental damage to your phone is not covered. A cracked screen on a flagship phone typically costs $200 to $600 to repair, and a full replacement runs $1,200 to $2,300, all out of pocket. The card does include purchase protection, which can cover a phone bought on the card against theft, loss or accidental damage for four months from purchase, up to $10,000. That is separate from ongoing phone insurance and ends after the four-month window.
- On-piste skiing and snowboarding are covered under the overseas travel policy at no extra cost, because they are not listed in the dangerous-activities exclusion. Off-piste skiing, off-piste snowboarding and snowmobiling are excluded, so a claim from skiing outside the marked runs would be declined. Your ski equipment itself is not separately insured while in use, so treat expensive gear as uncovered on the slopes. If you plan off-piste or backcountry runs, a dedicated snow travel policy is the safer option.
- Some are. The policy auto-covers a defined list of stable conditions without any assessment, provided you meet the requirements set out for each. Conditions outside that list are not covered unless you apply for assessment and Allianz Global Assistance confirms cover in writing, which carries a $45 administration fee. You can apply online at checkyourcover.com.au/banksa or by phone before you travel. If you have a pre-existing condition that is not on the list and not assessed, any claim related to it will be declined, so sort this out before you leave.
Not just BankSA
Other cards worth considering
Amplify is a strong choice — but depending on what you prioritize, one of these may suit you better.
Amplify Signature
Bank of Melbourne
Amplify Rewards Platinum
BankSA
Amplify Qantas Platinum
BankSA
Amplify Rewards Platinum
St.George
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