Covers all prepaid non-refundable travel with no dollar cap, once at least $500 of prepaid travel is charged to the card and you hold a return ticket. Covered reasons are broad: serious illness or injury to you or a travel companion, death of a relative, severe weather, natural disaster, terrorism and retrenchment. A $300 excess applies per claim, and travel agent cancellation fees are limited to the lesser of $500 or 15% of the arrangement.
BankSA Amplify Rewards Platinum travel insurance: what does it actually cover?
BankSA·A$175/year·Visa Platinum
4,3/5Independent review · verified August 2026
4,4
4,4
3,2
Our Verdict · Travel Insurance
Our take on travel insurance for the BankSA Amplify Rewards Platinum
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
$500 on the card, or no cover at all. That single line decides most claims on the BankSA Amplify Rewards Platinum travel insurance. Charge at least $500 of prepaid travel to the card, hold a return ticket, and the overseas cover turns genuinely strong: unlimited emergency medical and evacuation, cancellation with no dollar cap, each with a $300 excess per claim. Here is where people come unstuck. Most assume the card insures them the moment it is approved; it does not, and a flights-on-points booking where only the taxes hit the card can leave you flying home to a declined claim. Cover also runs out at three consecutive months per trip, half the six months on the Amplify Signature tier. Put your travel on the card and keep trips under three months, and the protection does real work.
What works on travel
- Unlimited overseas emergency medical and evacuation: no dollar cap, $300 excess per claim
- Trip cancellation with no dollar cap on prepaid travel, across a broad list of reasons including illness, injury, death of a relative, severe weather and retrenchment
- Domestic interstate flight cover included: cancellation to $3,000, plus flight delay and luggage on interstate flights charged to the card
- Pre-existing conditions handled by a stable-condition auto-list, with others assessable online for a $45 fee
Where travel breaks down
- Activation by spend: no cover unless $500 of prepaid travel was charged to the card and you hold a return ticket
- Trip length capped at three consecutive months, half the six months on the Amplify Signature tier
- $300 excess applies to most travel claims, including medical, cancellation and delay
- Travel delay only starts after six hours and caps at $1,100 for a family
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 Rewards Platinum Travel Insurance actually cover?
Cover only applies if the trip was charged to the card. A points booking where only the taxes hit the card may not be covered.
What's covered
- Serious illness or injury of you or a travel companion
- Death of a relative
- Severe weather, natural disaster or an act of terrorism
- Being retrenched or made redundant (not voluntary)
What's not covered
- Pre-existing conditions not on the covered list or not assessed
- Cancellation for a reason not on the covered list
- Travel booked against medical advice
Overseas emergency medical and hospital cover is unlimited, arranged through the 24/7 Allianz Global Assistance line. Treatment and hospital costs are paid for the twelve months after the injury or sickness first showed. A $300 excess applies per claim. Medicare does not apply outside Australia, so this is the benefit that matters most.
What's covered
- Emergency hospital and medical treatment overseas
- Ambulance charges
- Dental treatment arising from an injury
What's not covered
- Pre-existing conditions not on the covered list or not assessed
- Pregnancy after the 26th week
- Routine or elective treatment
Emergency evacuation and repatriation is unlimited, coordinated by Allianz Global Assistance around the clock. It moves you to appropriate medical care or home to Australia when medically necessary, and repatriation of remains is included. A $300 excess applies per claim.
What's covered
- Emergency evacuation to the nearest suitable hospital or home
- Repatriation of remains
- 24/7 access to medical advisers
What's not covered
- Costs not pre-approved by the assistance line where approval was possible
- Travel against medical advice
Covers emergency dental treatment for sudden and acute pain to natural teeth, up to $2,000 per person. It applies to spontaneous toothache, not dental work arising from an injury (that sits under medical). A $300 excess applies per claim.
What's covered
- Sudden and acute pain to natural teeth
- Emergency treatment overseas
What's not covered
- Routine or cosmetic dental work
- Treatment to non-natural teeth
Pays $100 per person for each day you are admitted to hospital overseas, up to a total of $15,000 per person. It is a cash allowance for incidental costs, on top of the medical cover. A $300 excess applies per claim.
What's covered
- Overseas hospital admission
What's not covered
- Day-patient treatment without admission
Additional expenses cover is unlimited, paying reasonable extra travel and accommodation when your trip is disrupted by injury, illness, or a specified event. It also covers a necessary companion and the repatriation of dependants left without supervision. A $300 excess applies per claim.
What's covered
- Extra travel and accommodation due to your or a companion's incapacity
- Emergency expenses for a necessary companion
- Repatriation of dependants left without supervision
What's not covered
- Costs recoverable elsewhere
- Expenses from a non-covered event
After a delay of six consecutive hours, the card pays up to $500 per person for meals and accommodation, up to a family total of $1,100. The delay must be outside your control. A $300 excess applies per claim.
What's covered
- Meals and accommodation during the delay
What's not covered
- Delays you were aware of before departure
- Delays within your control
Pays reasonable alternative transport to reach a destination on time after a delay disrupts your scheduled travel, up to a total of $3,750. A $300 excess applies per claim.
What's covered
- Alternative transport to reach a destination on time
What's not covered
- Delays within your control
Covers the cost to return home and resume your journey following the death of a relative, up to $5,750 per person and a family total of $12,500. Resumption of the trip is included, not just the flight home. A $300 excess applies per claim.
What's covered
- Return home following the death of a relative
- Resumption of the journey
What's not covered
- Return for reasons other than the death of a relative under this section
If your luggage is delayed, misdirected or misplaced by the carrier for more than twelve consecutive hours, the card reimburses reasonable emergency purchases, up to $800 per person and a family total of $1,600. No excess applies. Keep the carrier's written confirmation of the delay.
What's covered
- Emergency purchases while your bag is delayed
What's not covered
- Delays on the final leg home
- Items not reasonably necessary
Items left in a vehicle are capped at $5,000, and sporting equipment in use is not covered at all.
Covers luggage and personal effects up to $20,000 per person, with a family total of $30,000. Sub-limits apply: $5,000 per item for general baggage, $5,500 per camera, and $5,500 in total for laptops. Items left unattended in a vehicle are capped at $5,000, and sporting equipment in use has no cover. A $300 excess applies per claim.
What's covered
- Loss, theft or damage to luggage and personal effects
- Cameras and laptops within sub-limits
What's not covered
- Sporting equipment while in use
- Valuables left in a vehicle beyond the stated limit
- Unexplained disappearance
Covers travel documents, transaction cards, travellers cheques and cash up to $550 per person, with a family total of $1,250. It helps replace lost or stolen documents and currency during the trip. No excess applies.
What's covered
- Travel documents and transaction cards
- Travellers cheques, bank notes and cash
What's not covered
- Losses not reported
- Amounts above the stated limits
Personal liability cover pays up to $2,500,000 if you become legally liable for injury to another person or damage to their property overseas. No excess applies. Liability tied to vehicles, aircraft and watercraft is excluded.
What's covered
- Legal liability for third-party injury
- Legal liability for third-party property damage
What's not covered
- Liability from vehicles, aircraft or watercraft
- Liability to family members or travel companions
Pays a lump sum for accidental death during the journey: $50,000 per cardholder, $25,000 per spouse and $25,000 per dependant, up to a family total of $150,000. No excess applies.
What's covered
- Accidental death of the cardholder, spouse or dependant during the journey
What's not covered
- Death from illness or sickness
- Death outside the period of cover
Replaces verified income up to $1,000 per week for a cardholder or spouse when an overseas injury stops you working after you return, for up to twelve consecutive weeks and a maximum of $12,000. No excess applies.
What's covered
- Verified lost income after an overseas injury
What's not covered
- Loss of income from illness rather than injury
- Self-employment income that cannot be verified
Under the Interstate Flight Inconvenience cover, cancellation of a prepaid interstate trip is covered up to $3,000, when the entire return interstate flight was charged to the card. A $300 excess applies per claim. Cover runs for up to 14 days from the start of the journey.
What's covered
- Cancellation of a prepaid interstate trip for a covered reason
What's not covered
- Pre-existing medical conditions
- Reasons not on the covered list
If your interstate flight is delayed four hours or more, the card pays $125 per person for meals and accommodation, up to a total of $500. No excess applies. The interstate flight must be charged to the card.
What's covered
- Meals and accommodation during an interstate flight delay
What's not covered
- Delays you were aware of before departure
No domestic additional expenses cover. The interstate policy pays cancellation, flight delay and luggage, but not extra travel or accommodation from a disruption. Meals and accommodation during an interstate trip disruption are the cardholder's responsibility.
What's not covered
- Not offered under the Interstate Flight Inconvenience cover
Covers luggage on an interstate flight up to $500 per item and a total of $1,500. A $300 excess applies per claim. The interstate flight must be charged to the card.
What's covered
- Loss, theft or damage to luggage on an interstate flight
What's not covered
- Amounts above the per-item and total limits
If interstate luggage is delayed twelve hours or more, the card reimburses $125 per person for essential purchases charged to the card, up to a total of $500. No excess applies.
What's covered
- Essential purchases during an interstate luggage delay
What's not covered
- Delays on the final leg home
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 Rewards Platinum wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Amplify Rewards PlatinumThis card4.3/5?
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 Rewards Platinum stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Amplify Rewards Platinum shoppers also consider.
| Card | This card Amplify Rewards Platinum BankSA · A$175/yr 4.3/5? | Amplify Qantas Platinum BankSA · A$250/yr 4.3/5? | Amplify Signature Bank of Melbourne · A$295/yr 4.3/5? | Amplify Rewards Platinum St.George · A$175/yr 4.3/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Unlimited All prepaid travel | Unlimited All prepaid travel | Unlimited Unlimited | Unlimited Unlimited (all prepaid) |
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 Rewards Platinum
Verified BankSA cardholder reviews from ProductReview 3 reviews
HB
Harry B (ProductReview)
Best in class service at the Victor Harbor branch
In contrast to poor service I have received from Norwood and Unley branches of BankSA, I just had a best in class experience at BankSA Victor Harbor Branch. We were attended to by Donna Larwood, the Branch Manager, who was out front tending the customer bench. She was exceptional: efficient, pleasant and knew her stuff.
S(
Steve (ProductReview)
Two weeks chasing a credit card closure letter
Has to be the worst bank ever. They don't know what they are doing. Called credit card and have been on the phone for 2 weeks looking for an account closure letter. Keep getting told you will get it within 48 hrs. The chat line is hopeless. I still don't have the letter and it's holding up my mortgage approval. Avoid this bank at all costs.
D(
Diana (ProductReview)
Over 20 days and still no card
Bank SA is the worst bank I have dealt with. It has taken over 20 days to receive my new credit card and I still have not received it. I live 73km away from a branch. Numerous phone calls with waits for up to an hour. I have spoken to numerous customer service staff members, and the ID process is a joke even via the app.
Emergency · Card assistance line
How to contact BankSA Amplify Rewards Platinum assistance?
Australia claims and assistance
1800 091 710
Mon to Fri 8am to 8pm, Sat 8am to 5pm AEST (claims); 24/7 emergency assistance 1800 227 773
Overseas emergency assistance (reverse charge)
+61 7 3305 7468
Reverse charge accepted; additional call charges may apply · 24/7
Benefit administrator: Allianz Global Assistance (AWP Australia) for BankSA, underwritten by Allianz Australia Insurance Limited
Claims & pre-authorizations
How to make an Amplify Rewards Platinum claim
1
Step 1: Call the 24/7 assistance line before treatment or major expense where possible
For a medical emergency or evacuation overseas, call Allianz Global Assistance on +61 7 3305 7468 (reverse charge) before you incur major costs, so they can approve and coordinate treatment. Within Australia the emergency line is 1800 227 773. Save both numbers in your phone before you fly.
2
Step 2: Lodge the claim and gather your documents
Lodge online with Allianz Global Assistance or call 1800 091 710, within 30 days of the incident or as soon as possible. Gather itemised accounts, a property irregularity report from the airline for luggage, police reports for theft, and your rental agreement and incident report for a rental excess claim.
3
Step 3: Prove the trip was charged to the card
Include the card statement showing at least $500 of prepaid travel was charged to the card, or the full rental for a hire-car claim. This is the first thing the insurer checks. Keep everything dated, and expect some back and forth by email before a decision.
FAQ
What people ask about the BankSA Amplify Rewards Platinum
- The overseas cover switches on when you charge at least $500 of your prepaid travel costs to the card and hold a return overseas travel ticket, before you leave Australia. There is no separate registration step, but the cover is not automatic just from holding the card. Prepaid travel means things like the return ticket, departure taxes, and prepaid accommodation or tours. You also need to be under 81, and Level 2 cover runs for up to three consecutive months. If you book with points and only the taxes hit the card, check the eligibility rules carefully, because that may not meet the $500 spend condition.
- Cover extends to the cardholder, their spouse or de facto partner, and dependent children under 25 who are not in full-time employment, when they travel with the cardholder for at least half the trip. Everyone must reside in Australia and hold a return ticket, and the $500 prepaid travel spend must be on the card. Each traveller needs to be under 81 at the time they become eligible. Dependent children under two are covered when travelling with the cardholder. Always confirm each traveller against the covered-persons definition in the policy booklet before you rely on the cover.
- It reimburses the excess you are liable for after a hire car is damaged or stolen, up to $5,500, with a $300 excess per claim. It does not waive the damage, so the hire company still charges you the excess and you claim it back afterwards. The Amplify Rewards Platinum covers this both overseas, inside the international travel policy, and in Australia through a separate Rental Vehicle Excess in Australia benefit. Overseas hires need the $500 travel activation, while Australian hires only need the full rental charged to the card. Keep the rental agreement and the incident report for the claim.
- Claims go through Allianz Global Assistance, the administrator behind this policy, on 1800 091 710 or online. Lodge within 30 days of the incident or as soon as you can, and for an overseas emergency call the 24-hour line on +61 7 3305 7468 first. Keep the documents that prove the loss: itemised accounts, a property irregularity report from the airline for luggage, and your card statement showing 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 $500 of prepaid travel to the card, there is no overseas cover at all. Pre-existing medical conditions are excluded unless they are on the auto-covered list or assessed for a $45 fee, and cover stops once a trip runs past three consecutive months. Off-piste skiing, off-piste snowboarding and snowmobiling are excluded, though on-piste skiing is covered. There is no mobile phone insurance, no price protection and no refund cover, and no medical cover for domestic trips, since Medicare applies within Australia.
- Yes, through a separate Interstate Flight Inconvenience benefit that applies to return flights between Australian states charged to the card. It covers cancellation up to $3,000, flight delay of four hours or more at $125 per person up to $500, luggage up to $500 per item, and luggage delay. There is no overseas-style medical cover, because Medicare applies within Australia, and no domestic additional expenses benefit. Cover runs for up to 14 days from the start of the journey. It is genuine protection for interstate air travel, not a full domestic travel policy.
- The Amplify Rewards Platinum is a Level 2 card, so overseas cover runs for up to three consecutive months per journey. The premium Amplify Signature tier stretches this to six months. If your trip runs past three months, the days beyond the limit are uninsured, and the period cannot be extended by you. Cover can be extended automatically by the insurer for up to four weeks if a covered event or a transport delay stops you returning on time. For a longer trip, a standalone travel insurance policy is the safer option for the extra days.
- Some are. A defined list of stable conditions is automatically covered without assessment, provided you meet the criteria set out in the policy booklet. For anything not on that list, you can apply for assessment online at checkyourcover.com.au/banksa or by phone, and if Allianz Global Assistance accepts the condition, a $45 administration fee applies. Pre-existing conditions of your relatives or travel companions are not covered at all. Sort this out before you travel, because an unassessed condition that is not on the list will not be covered if you need to claim.
- No. The Amplify Rewards Platinum does not include mobile phone or screen insurance, so theft or accidental damage to your phone is not covered by the card. A cracked flagship screen repair typically costs $200 to $600, and replacing the handset outright can run $1,200 to $2,300, all out of pocket. The card's protection benefits are purchase protection and extended warranty, which can cover a new phone bought on the card against theft or a covered breakdown, but not everyday accidental screen damage. For that, a standalone phone insurance policy or your home contents cover is the better fit.
- 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.
Not just BankSA
Other cards worth considering
Amplify Rewards Platinum is a strong choice — but depending on what you prioritize, one of these may suit you better.
Amplify Signature
Bank of Melbourne
Amplify Qantas Platinum
BankSA
Amplify Rewards Platinum
St.George
Amplify Rewards Signature
St.George
Fill the gaps in your card
Find complementary travel insurance
We analyze the gaps in your card and recommend the best complementary travel insurance based on your destination and profile.
Step 1 of 3
