Credit card concierge services come with most platinum and black credit cards. They give you access to personalised service, in your language, at any time of the day or night anywhere in the world. They can help with things as simple as restaurant bookings through to organising a visa when you move countries. Here's how to make the most of this premium perk.
Concierge services are designed for those who don't have enough time to do their requests themselves. A concierge service is a complimentary benefit offered by your credit card provider to make your life easier by handling requests. They are usually available 24 hours a day, 7 days a week by phone.
A concierge service shouldn't be the only reason why you choose a credit card because these cards often come with high fees. You want to aim to get good value for money, so if you think you'll only use it once or twice a year, it may not deliver the best bang for buck. While this feature is handy, you pay for it with your high annual fee, so it's most suitable for people who will use this service on a regular basis.
How does a credit card concierge service work?
When you get your card, you'll be given a list of phone numbers you can contact to make your requests. The concierge will inform you of the costs (if any) and options you have before booking or making a purchase that you request. The concierge will not incur any costs on your card 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 the request, like the time it will take for your items to be delivered or the details of your restaurant reservation.
The specific type of services available to you depends on the card provider. For instance, Westpac's Personal Concierge Service invites eligible Black Mastercard credit card holders to use services such as reserving a golf or spa package, making travel arrangements, shopping for personal gifts or even planning a party. Meanwhile, NAB's concierge service can help organise medical or legal services while you're overseas and also offers emergency interpretation assistance.
What are the types of credit card concierge services?
Platinum concierge: This is the standard concierge service to cover all types of personal assistance, including sourcing and booking flights; purchasing and delivering tickets for a show, concert or sporting event; providing details of events and shows in your city; and arranging hotel and restaurant reservations. These services are on a referral or arrangement basis and any third-party expenses will be the cardholder's (i.e. your) responsibility. No purchases will be made without you approving the spend first. For example, the ANZ Concierge Service is available for all ANZ Black cardholders.
Rewards concierge: This concierge offers eligible card members a personal concierge service using their membership rewards points. Rewards concierges can organise your requests by spending your rewards points. For example, American Express has a rewards concierge available exclusively to eligible American Express credit card holders.
How to compare credit card concierge services
Here are some things 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 bookings, mailing packages, holiday house information, shopping location information, floral arrangements, party planning, arrangement of hairstylists, fitness trainers and massages.
An approval process for expenses. All concierge services should provide you with detailed information about any costs with your request. You are not charged for the research performed by a 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.
Convenience. The real benefit of these concierge services is the convenience of having someone take care of arrangements for you at no extra cost.
Pros and cons of credit card concierge services
Pros
Concierge services can help with travel, entertainment, gifts, reservations and more.
Calling a credit card concierge service allows you to speak to a person straight away.
Using a concierge service doesn't cost you anything extra.
Cons
Most cards with a concierge service charge a relatively high annual fee.
Credit cards with concierge services tend to charge high interest rates.
You won't always get the cheapest/best value deal as you're not shopping around.
Finder survey: What are the main features Australians consider when choosing a rewards credit card?
Response
Annual fee
58.62%
Points per $1 spent
54.55%
Bonus points
43.57%
Complimentary insurance
24.45%
Interest-free days
24.14%
Interest rate
21.63%
Airport lounge access
18.81%
The bank or brand
10.66%
Other travel benefits (e.g. flight or travel credit)
7.52%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023
Frequently asked questions about credit card concierge services
What are the fees for using a credit card concierge service?
While there is no extra fee for using the concierge service, any other fees incurred are payable by you, such as the purchase and delivery of the item you’ve requested. Also, these services are usually offered on cards that come with a high annual fee of around $300-$400 per year (or more).
Where can I find credit cards with a concierge service?
Credit card concierge services are fairly standard on most premium and platinum credit cards. Use the comparison below to help you in your search.
As an authority on all things personal finance, Sarah Megginson is passionate about helping you save money and make money. She is an editor and money expert with 20 years’ experience and an extensive background in property and finance journalism. Sarah holds ASIC RG146-compliant Tier 1 Generic Knowledge certification, and she's a regular media commentator, appearing weekly on TV (Sunrise, Daily, Studio 10, nightly news), radio (KIIS FM, Triple M, 3AW, 2GB, 6PR) and in digital and print media.
When you apply for a credit card online, you could receive a response within 60 seconds. Find out how you to find a card that you're eligible for and increase your chances of approval.
What about the Concierge service for Qantas Platinum Mastercard, not in the rating, can get discount airfares thru this service. How does this stack up?
Thanks for getting in touch with finder. I hope all is well with you. :)
We currently don’t have a specific page discussing Qantas Platinum’s concierge services. However, By and large, a platinum concierge is the standard concierge service. This covers all types of personal assistance services. These services are on a referral or arrangement basis and any third party expenses will be the cardholder’s responsibility.
It would be also a good idea to directly get in touch with Qantas to get the specific services available for platinum cardholders.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
Platinum concierge: This is the standard concierge service to cover all types of personal assistance, including sourcing and booking flights; purchasing and delivering tickets for a show, concert or sporting event; providing details of events and shows in your city; and arranging hotel and restaurant reservations. These services are on a referral or arrangement basis and any third-party expenses will be the cardholder's (i.e. your) responsibility. No purchases will be made without you approving the spend first. For example, the ANZ Concierge Service is available for all ANZ Black cardholders.
What about the Concierge service for Qantas Platinum Mastercard, not in the rating, can get discount airfares thru this service. How does this stack up?
Hi Pete,
Thanks for getting in touch with finder. I hope all is well with you. :)
We currently don’t have a specific page discussing Qantas Platinum’s concierge services. However, By and large, a platinum concierge is the standard concierge service. This covers all types of personal assistance services. These services are on a referral or arrangement basis and any third party expenses will be the cardholder’s responsibility.
It would be also a good idea to directly get in touch with Qantas to get the specific services available for platinum cardholders.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua