Credit Card Feature: Concierge Services

Information verified correct on December 7th, 2016

A concierge service offers cardholders a range of assistance for their special requests including entertainment, travel, shopping and executive services.

Credit card concierge services are fairly standard on most premium and platinum credit cards. These allow the cardholder to access a personalised service in their own language, at any time of the day or night anywhere in the world.

Compare Credit Cards with Concierge Service

Rates last updated December 7th, 2016.

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance transfer offers has been extended until 16 January 2017.

November 1st, 2016

Virgin Australia Velocity Flyer Card - 0% Interest Offer

0% purchase and balance transfer offers extended until 16 January 2017.

November 1st, 2016

Citi Simplicity Card

5% cash back + 0% p.a. for 9 months on balance transfers. Offer ends 30 June 2017.

November 18th, 2016

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Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive 0% p.a. for 12 months on purchases, 0% p.a. for 6 months balance transfers and an exclusive $129 Virgin Australia Gift Voucher every year.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
St.George Amplify Platinum
This card features a 30,000 bonus points offer, introductory interest rates on balance transfers and purchases and an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $0 p.a. annual fee for the first year ($99 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card
Get 25,000 bonus Qantas Points plus enjoy a low promotional offer of 0% p.a. for 15 months on purchases and balance transfers.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one-off 3%% balance transfer fee $250 p.a. Go to site More info
BankSA Vertigo Platinum
Enjoy 0% balance transfer rate for 18 months and 1% purchase rate for 12 months if you apply and are approved by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 9 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cashback on retail purchases.
19.99% p.a. 0% p.a. for 9 months $0 p.a. Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
$1,500 p.a. Go to site More info
Emirates Citi World MasterCard
Access round-the-clock global concierge service and get access to the Citibank Dining Program.
20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Go to site More info
Commonwealth Bank Business Platinum Awards Credit Card
Earn up to 3 Awards points per dollar spent and enjoy a range complimentary insurances.
20.74% p.a. $300 p.a. Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
$1,200 p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
20.24% p.a. $395 p.a. Go to site More info

What is a credit card concierge service?

Generally, a concierge service is a complimentary benefit offered by your credit card provider to handle your requests. Usually they are available 24 hours a day, seven days a week and are available by calling a phone number provided by your credit card provider.

How does a credit card concierge service work?

First, you need to ensure that your credit card comes with a concierge service. Upon application, you will know whether you have this feature or not. If you do, your credit card provider would have provided you with a list of phone numbers you can contact in order to make your requests. You will be informed of the costs and options if there are any before booking or making a purchase that you request. The concierge will not incur any costs on your unless you’ve approved. Some high-tier concierge services also come with an app, letting you put your requests in writing as you go. Your concierge will notify you about the details of request, such as the time it will take for your items to be delivered or the details of your restaurant reservation. If your request will take awhile to complete, your concierge will give you date and time as to when it will be finished.

What are the types of credit card concierge services?

There are a few types of credit card concierge services dedicated to your particular credit card. Depending on what level your credit card is, the number of concierge services available to you could be different. For example, American Express has a rewards concierge available exclusively to eligible American Express credit cards.

  • Platinum concierge. This is the standard concierge service to cover all types of personal assistance including flight information, sourcing, purchasing and delivery of tickets for a show, concert or sporting event, providing details of events and shows in your city, hotel and travel information as well as reservations for restaurants. These services are on a referral or arrangement basis and any third party expenses will be the cardholder's responsibility.
  • Rewards concierge. A rewards concierge offers certain cardmembers a personal concierge service using their membership rewards points if applicable. Rewards concierges can organise your requests by spending your rewards points.

Westpac Concierge

How to compare credit card concierge services

In most cases, the credit card holder will not be able to choose the type of concierge service that comes with their card. Here are some things that your concierge should be providing:

  • Lifestyle services. This should cover all types of personal assistance and lifestyle requests not limited to but including; car rental, limousine and car service information, mail and fax packages, holiday house information, shopping location information, floral arrangements, party planning, arrangement for hairstylists, fitness trainers as well as stress relief massages.
  • Charges. All concierge services should provide you with detailed information of any costs with your request. You are not charged for the research performed by a Westpac concierge. As the cardholder, you are responsible for the following; cost and delivery of the goods and services purchased, any deposits you’ve put down for the item, costs of cancellation, custom duties and any other costs incurred to fulfil your request.

Pros and cons of credit card concierge services

Pros

  • They can be used to organise events that you don’t have the time to sort out yourself, or that you are not sure how to sort out yourself. You may need to track down some special item but are not really sure where to start. Alternatively, you may be in unfamiliar territory – on a holiday or a business trip, and not know where to look to find something locally.
  • Credit card concierge services can also be used for less obvious purposes. Many cardholders call and ask for gift ideas, to check on a flight, to arrange for new travel documents such as passports and travellers cheques to be replaced if they have been lost or stolen. It may be as simple as getting directions around a strange city.
  • If you do fancy a night out at a popular and busy restaurant, you may be better off leaving that to a credit card concierge service because they have good relationships with such establishments. For example, the American Express concierge service has agreements with over 1,200 restaurants around the world.
  • Calling a Credit card concierge services allows you to speak to a human straight away, and you can leave your request with them.

Cons

  • High annual fee. Most credit cards that have a complimentary concierge service usually come with a high annual fee, as this feature is normally available with high end credit cards.

Things to avoid about credit card concierge services

    • Ignoring your financial situation - A concierge service shouldn’t be the only factor in deciding which credit card is most suitable for you. While this feature is handy, you pay for it within your high annual fee. Concierge services are designed for those who don’t have enough time to do their requests themselves.

Frequently asked questions about credit card concierge services

What are the fees for using a credit card concierge service?

While there is no fee for using the concierge service, any other fees incurred is payable by you, such as the purchase and delivery of the item you’ve requested.

Where can I find credit cards with a concierge service?

Credit card concierge services are fairly standard on most premium and platinum credit cards. Please use the comparison below to help you in your search.

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Shirley Liu

Shirley is finder.com.au's publisher for banking and investments. She is currently studying a Masters in Commerce (Finance) and is the author of hundreds of articles. She is passionate about helping Aussies make an informed decision, save money and find the best deal for their needs.

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