Platinum, Gold and Black Credit Cards Comparison

Are you looking for a card that rewards your spending with exclusive benefits? Compare platinum, gold and black credit cards to get more out of your credit card.

Platinum, gold and black credit cards are premium options that open the door to a range of exclusive benefits. These cards are a step up from standard offers, with features such as higher credit limits, more reward points and a huge range of complimentary extras.

Along with these perks and prestige, platinum, gold and black credit cards often have higher annual fees and interest rates than standard options. Here, we look at both the benefits and potential costs of these three premium credit card choices so that you can find a card that’s right for you.

Compare Platinum, Gold and Black credit cards

Rates last updated January 21st, 2017
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
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.
0 1 $149 p.a. Go to site More info
NAB Premium Card - Balance Transfer Offer
Enjoy a balance transfer offer of 0% p.a. for 24 months with a 3% transfer fee.
0 0 $90 p.a. 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 0 $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 bonus Velocity Points in the first 3 months plus enjoy a low 0% p.a. for 18 months on balance transfers. Plus receive a free Virgin Australia $129 Gift Voucher each year.
0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
1.5 0.75 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
0 1 60,000 bonus points $199 p.a. Go to site More info
American Express Qantas Ultimate Card
Enjoy up to 100,000 bonus Qantas Points on eligible spend, earn up to 3 Qantas Points for every $1 spent and get a free domestic return flight every year.
1 0 100,000 bonus points $450 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.
$99 p.a. Go to site More info
NAB Premium Card
Enjoy an introductory offer of 0% p.a. for 15 months on balance transfers and purchases., plus platinum advantages including travel insurance, higher credit limits and VIP Lost Card Cover.
0 0 $90 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Receive 50,000 Qantas Points when you spend $2,500 on eligible purchases for the first three months, take advantage of the waived annual fee for the first year. Plus, enjoy complimentary insurances and earn up to 1.5 Qantas Points per $1 spent.
1.5 0.5 50,000 bonus points $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free offer on purchases and balance transfers. Earn Velocity Points on everyday spend.
0 0.66 $129 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 50,000 bonus points $349 p.a. Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on both balance transfers and purchases for 15 months plus enjoy premium benefits including international travel insurance.
$100 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive up to 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
0 1 30,000 bonus points $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum. You'll also receive 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
2 1 50,000 bonus points $95 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
1 0 10,000 bonus points $195 p.a. 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.
2 1 $225 p.a. Go to site More info
Citi Clear Platinum Card
Platinum benefits including Visa Concierge service and extended warranty insurance. Also enjoy a low interest rate on purchases.
0 0 $99 p.a. Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points and earn up to 4 rewards point per $1 spend. Also enjoy complimentary travel insurance and transferring points into various frequent flyer programs.
1 40,000 bonus points $295 p.a. Go to site More info
Rates last updated January 21st, 2017
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
American Express Gold Business Card
Enjoy 24-hour worldwide service plus a great range of tailored expense management solutions designed to help maintain control of your corporate expenses.
1 0 10,000 bonus points $169 p.a. Go to site More info
Rates last updated January 21st, 2017
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you apply online, get approved and spend $5,000 on eligible purchases, choose between two reward programs offering (Altitude or Qantas Rewards) and receive premium cardholder benefits.
3 1.25 100,000 bonus points $395 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
1.5 0.75 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Citi Prestige Card
Receive 70,000 bonus points on your first spend and a low interest rate on balance transfers.
2 70,000 bonus points $700 p.a. Go to site More info
American Express Qantas Ultimate Card
Enjoy up to 100,000 bonus Qantas Points on eligible spend, earn up to 3 Qantas Points for every $1 spent and get a free domestic return flight every year.
1 0 100,000 bonus points $450 p.a. Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase within the first 3 months. Up to 3 Reward Points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
3 1.25 75,000 bonus points $375 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. Go to site More info

What’s the difference between platinum, gold and black credit cards?

While platinum, gold and black credit cards are all premium options, each represents a different level of status and service. Gold credit cards are a step up from standard cards, platinum credit cards are above gold, and black credit cards sit at the top of the pack.

This means that the specific features and benefits vary based on whether a card is a gold, platinum or black option. To help put this in perspective, we’ve outlined the common features and benefits for each type of credit card.

Gold Credit Cards

Rates last updated January 21st, 2017.

American Express Gold Business Card

10,000 bonus Membership Rewards points offer has been extended.

February 4th, 2016

View latest updates

Jonathan Choi Jonathan
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Gold Business Card
Keep track of your business expenses with a dedicated business credit card. Your account details can be uploaded in to MYOB, Excel or Quicken to help with BAS reporting.
VISA/MC: 0 AMEX: 1 Yes $169 p.a. Go to site More info

Gold credit cards are the “entry level” option for premium credit cards and are designed to suit people who are interested in getting more features and benefits, but who don’t want to pay much more than they would for a standard card. Some of the most popular features of gold credit cards include:

  • Complimentary travel insurance
  • Complimentary purchase protection insurance
  • More reward points per $1 than standard cards
  • Higher reward point caps than standard cards
  • Annual fees ranging from $89 to $169
  • Minimum credit limits starting from $4,000

Gold credit cards have slightly higher income and credit history requirements than standard cards – but not as high as those of platinum or black cards. For example, the Suncorp Clear Options Gold credit card has a minimum income requirement of $30,000, while some standard cards have credit limits as low as $15,000. You also need to have good credit history to apply for a gold credit card.

Platinum credit cards

Platinum Credit Cards

Rates last updated January 21st, 2017.

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 18 months balance transfer offer has been extended until 28 February 2017.

January 16th, 2017

Virgin Australia Velocity Flyer Card - 0% Interest Offer

0% purchase and balance transfer offers have been extended until 28 February 2017.

January 16th, 2017

Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer

30,000 bonus points and 0% balance transfer offers have been extended until 28 February 2017

January 16th, 2017

View latest updates

Jonathan Choi Jonathan
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
Yes 0% p.a. for 6 months (reverts to 13.49% p.a.) $99 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.
VISA/MC: 1 AMEX: 0 Yes 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
Earn 2 bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year.
VISA/MC: 0.66 AMEX: 0 No 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
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.
VISA/MC: 0 AMEX: 0 Yes 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
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Platinum credit cards build on the benefits offered by gold credit cards by providing a wider range of features and more flexibility. They are designed for people who regularly pay with plastic, and want to be rewarded for it in a range of ways. In comparison to gold options, platinum cards may include:

  • Complimentary international travel insurance with broader coverage
  • Complimentary purchase protection insurance
  • Complimentary domestic interstate flight inconvenience insurance
  • Complimentary car hire insurance
  • More reward points per $1 than gold cards
  • Higher reward point caps
  • Personal concierge services
  • Minimum credit limits from $10,000
  • Annual fees ranging from $87 to $1,200

Some platinum credit cards may also provide other spending benefits for customers. For example, platinum Bankwest credit cards offer no international transaction fees for purchases made overseas or online with an international retailer.

The minimum income requirements for platinum credit cards also tend to be higher in comparison to gold cards. While some platinum options have minimum income requirements as low as $25,000, such as the Coles Platinum No Annual Fee Platinum MasterCard, most are around $50,000. You also have to have excellent credit history to get a platinum credit card, making them even more exclusive.

Black credit cards

Black Credit Cards

Rates last updated January 21st, 2017.

ANZ Rewards Black Credit Card

Removed annual fee waiver and minimum spend requirements on bonus points offer.

June 15th, 2016

American Express Explorer Credit Card

100,000 bonus points and balance transfer offers have been extended until 30 January 2017.

November 29th, 2016

ANZ Frequent Flyer Black

75,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.

November 29th, 2016

View latest updates

Jonathan Choi Jonathan
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you apply online, get approved and spend $5,000 on eligible purchases, choose between two reward programs offering (Altitude or Qantas Rewards) and receive premium cardholder benefits.
VISA/MC: 1.25 AMEX: 3 Yes 20.24% p.a. $395 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
VISA/MC: 0.75 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase within the first 3 months. Up to 3 Reward Points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
VISA/MC: 1.25 AMEX: 3 Yes 18.79% p.a. $375 p.a. Go to site More info

Black credit cards are considered the ultimate in premium credit cards, with the highest and broadest range of benefits. In addition to the complimentary extras that you can find on gold or platinum cards, a black credit card may provide:

  • The highest amount of points per $1 for reward programs
  • Complimentary airport transfers
  • Flight upgrades
  • Dedicated travel booking services
  • A personal concierge service
  • A personal shopper
  • Invitations to exclusive events or promotions
  • Higher credit limits (sometimes up to $100,000)
  • Annual fees ranging from $349 to $700

Black credit cards are designed for high earners who pay with plastic on a daily basis. As such, the minimum income requirements for these cards are usually between $75,000 and $150,000. You also need flawless credit history to get a black credit card.

What to consider before choosing a platinum, gold or black credit card
choosing-platgoldblack-CC

The benefits of a platinum, gold or black credit card are only worth it if they offer more value than the costs that come from any interest charges or annual fees. Asking the following questions before choosing which type of card to get will help you find options that work for you.

  • How often do you use your credit card? Premium gold, platinum and black credit cards are designed for people who regularly use a credit card, and their annual fees and credit limits reflect that. Many of the complimentary extras available on these cards, such as travel insurance, also require you to pay with plastic to activate them. If you don’t use a credit card very often, you might want to consider a low rate or no annual fee option instead.
  • How much do you spend on your credit card? If you’re considering a rewards option, you should make sure the value of the points you earn outweighs the cost of the annual fee. You can do this by estimating your average monthly or yearly spending on credit and working out how many points per $1 you will earn. For more information, check out our guide on calculating the value of rewards points.
  • How much money do you earn? Gold, platinum and black credit cards typically have higher minimum income requirements than standard credit cards, so you will need to factor this in when considering different options.
  • How many platinum, gold or black credit card features will you actually use? Complimentary extras can help offset the cost of a credit card, but only if you use them. When considering different gold, platinum or black credit cards, make sure you’re realistic about which benefits you will use so that you can find a card that provides value based on your spending habits and circumstances.
  • Do you carry a credit card balance? Most gold, platinum and black credit cards have high standard interest rates. This means you could end up paying hundreds of dollars in interest every year when you carry a balance on one of these premium cards. If you don’t pay your account off in full each month, you may want to consider a premium credit card that has a low ongoing interest rate, such as the St.George Vertigo Platinum or Bankwest Breeze Platinum MasterCard.
  • Do you have an excellent credit history and credit score? These credit cards all require good to excellent credit history. If you have black marks on your credit file, such as late payments or defaults, you may not be eligible to apply for a gold, platinum or black credit card.

Choosing a platinum, gold or black credit card

blondie-on-laptop-with-creditcard

Natasha is interested in getting a premium credit card that earns Qantas points but doesn’t know whether to choose a platinum, gold or black option. To help her make a decision, Natasha decides to compare a credit card from each of these categories.

Natasha has chosen gold, platinum and black Qantas credit cards to compare

CardStandard purchase rateAnnual feePoints per $1Points capOther benefits
The Commonwealth Bank Gold Awards 20.24% p.a.$119 p.a.Mastercard: 1 point per $1 spent
Amex: 2 points per $1 spent
125,000 per year-International travel insurance included with card
-Purchase security insurance
-Extended warranty insurance
The ANZ Frequent Flyer Platinum19.99% p.a.$295 p.a.Visa: 0.5 point per $1
Amex: 1.5 points per $1
Visa: 3,000 per month (36,000 per year)
Amex: 9,000 per month (108,000 per year)
-International travel insurance
-Interstate flight inconvenience insurance
-Rental excess cover
-Purchase protection coverage
-Price matching service
-Extended warranty
The ANZ Frequent Flyer Black19.99% p.a.$425 p.a.Visa: 0.75 point per $1
Amex: 1.5 points per $1
Uncapped-International travel insurance
-Interstate flight inconvenience insurance
-Rental excess cover
-Purchase protection coverage
-Price matching service
-Extended warranty
-Two complimentary Qantas Club Lounge invitations

With these details in mind, Natasha considers her own circumstances and spending habits:

  • She regularly uses a credit card for everyday purchases.
  • She spends around $5,000 per month on credit.
  • Her salary is $85,000.
  • She takes one overseas holiday per year.
  • She aims to pay her balance in full each month.
  • She has an excellent credit score.

Natasha decides she would like to have the option of earning up to 1.5 Qantas Points per $1 with an American Express card, but doesn’t want to pay more than $300 on an annual fee. Based on her current spending, Natasha won’t be affected by the points cap on the ANZ Frequent Flyer Platinum, so she chooses this card out of the three options above.

Premium credit cards unlock a whole world of potential value through features such as higher credit limits, greater rewards, complimentary insurance, travel perks and more. So now you know the differences between gold, platinum and black credit cards, you can choose the right category for your circumstances and start comparing cards to find a great option for you.

Frequently asked questions

Are there any specific requirements for these cards?

Generally, you’ll need a positive credit history. The majority of these cards also have a minimum annual earnings requirement of around $35,000 – $70,000.

I’m interested in a gold or platinum credit card. Which one offers higher credit limits and benefits?

Platinum credit cards have higher status than gold credit cards. This is reflected in the credit limits, annual fee, reward points earn rates and additional features such as complimentary travel insurance and 24/7 concierge services.

When will I know if I’m approved for a platinum, gold or black credit card?

When you apply for the credit card, most issuers will let you know if your application has been approved or rejected within a minute. If you receive a pending response, this means the bank needs to spend more time assessing your application. In this case, you can usually expect a response within a week.

My credit card now caps the amount of frequent flyer points I can earn per month. Are there gold, platinum or black options I can choose to avoid this?

While some gold and platinum credit cards do have point caps, they tend to be higher than the caps on standard credit cards. Most black credit cards, on the other hand, offer uncapped points. You can also find a list of cards that don’t cap rewards points on this page.

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Read more on this topic

American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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33 Responses to Platinum, Gold and Black Credit Cards Comparison

    Default Gravatar
    Iris | October 6, 2015

    how to obtain a balance statement of current month

      Default Gravatar
      | February 24, 2016

      When will i know when i get it

      Staff
      Sally | February 24, 2016

      Hi Ejay,

      Thanks for your question.

      When you apply for the credit card, most issuers will let you know if your application has been approved or rejected within a minute. If you receive a pending response, this means the bank needs to spend more time assessing your application. In this case, you can usually expect a response within a week.

      I hope this has helped.

      Cheers,

      Sally

    Default Gravatar
    Trev | June 2, 2015

    Hi,

    I want the best value rewards credit card without a crazy high annual fee that offers no foreign transaction fees. These fees are amazingly deceptive because they are activated when dealing with some companies supposedly based in Australia but are domiciled overseas. Just another credit card company/bank rip off. I see Bankwest have 1 but not to sure on it. Any suggestions please? A list would be great, thanks

      Staff
      Jonathan | June 2, 2015

      Hi Trev, thanks for your inquiry!

      Please refer to the following link for a list of credit cards with no annual fee and no foreign transaction fees.

      Cheers,

      Jonathan

      Default Gravatar
      | June 2, 2015

      Thanks but this is not what I asked.
      I am looking for REWARDS credit cards with no foreign transaction fees. Thank you

      Staff
      Jonathan | June 2, 2015

      Hi Trev, thanks for your response!

      Please refer to the following link for a list of no foreign currency exchange fee credit cards including rewards credit cards.

      Cheers,

      Jonathan

    Default Gravatar
    brad | April 22, 2015

    Hey I would like to see if I can get a credit card with you please.

      Staff
      Jonathan | April 23, 2015

      Hi Brad, thanks for your inquiry!

      Please note that finder.com.au is a comparison service and is not directly affiliated with any banks. The application criteria and requirements are listed under each credit card review page. If you meet those criteria then you will be eligible to apply. To allow me to assist you further was there a specific credit card you were inquiring about today?

      Cheers,

      Jonathan

    Default Gravatar
    glenda | March 25, 2015

    My credit card now caps the frequent flyer points earned per month. I am looking for a card that does not cap the number of points earned per month. Can you advise .

      Staff
      Elizabeth | March 25, 2015

      Hi Glenda,

      Thanks for your question.

      You can find a list of card that don’t cap rewards points on this page. Also, we have a list of cards that offer no points capping and no points expiry on this page.

      I hope this has helped.

      Thanks,

      Elizabeth

    Default Gravatar
    | March 18, 2015

    I don’t work iv bad credit at the moment so can you help me be accepted for credit card

      Staff
      Jonathan | March 18, 2015

      Hi Ann, thanks for your inquiry!

      Please note that finder.com.au is a comparison service and is not directly affiliated with any banks/lenders. Unfortunately Australia does not have a credit card product targeted towards bad credit customers, however there are ways to improve your credit score to increase the chance of being approved. Please see this page for more information on improving your credit score. It would be recommended to speak to a lender/ bank directly either through the phone or local branch so they would be able to best advise on your options and eligibility.

      Cheers,

      Jonathan

    Default Gravatar
    harry | November 3, 2014

    Hi I have a Westpac platinum and paying for a trip over seas from June 3rd to 23 September with my wife
    does the travel ins cover me for wile I am away . The ins says only 3 months and there a lots of could pay for this in a lot of clauses in travel ins .Is there a number to contact if about parts of insurance.

      Staff
      Elizabeth | November 4, 2014

      Hi Harry,

      Thanks for your question.

      The period of cover last for six months if you have an Earth Platinum, Altitude Platinum or an Altitude Qantas Platinum, Singapore Airlines Westpac Platinum card or a Westpac Platinum 55 day card.

      The cover will last for three months if you have any of the Platinum Plus range of credit cards. You can get in contact with Zurich (the insurance providers) directly if you have questions regarding your insurance cover, I’ve sent you through the number.

      Thanks,

      Elizabeth

    Default Gravatar
    | March 8, 2014

    Is insurance free for Platinum card Mastercard holders if paid for by that card for travellers of 81 years of age

      Default Gravatar
      Alan | May 14, 2014

      as a business owner I am concerned about the interest rate we pay on the various cards .521% on standard credit cards and up to 2.8% premium plus and other cards Is it legal to pass that cost on and if so how does one identify the cards as there appears to be no clear identification on some cards
      cheers Alan

      Staff
      Shirley | May 15, 2014

      Hi Alan,

      Thanks for your question.

      Usually a good place to check is the Product Disclosure Statement of the credit card, and then confirm what the interest rates are on the bank’s website. On creditcardfinder.com.au, the interest rates are listed in the blue tables under the heading ‘interest rates’.

      Cheers,
      Shirley

      Staff
      Jacob | March 10, 2014

      Hi Anne.

      It will depend on the provider. Each card issuer (Commonwealth Bank, ANZ, Westpac for instance) has slightly different rules about the cut off age for their complimentary insurance policies. If you can let me know which Platinum MasterCard you’re referring to, I can give you a little more information.

      Thanks for your question.

    Default Gravatar
    david | August 28, 2013

    How do I sign up for frequent flyer points with my NAB credit card?

      Staff
      Jacob | August 28, 2013

      Hi David.

      Thanks for getting in touch with us.

      NAB currently have two products that allow you to earn frequent flyer points. And both of these cards come with complimentary Qantas Frequent Flyer Membership if you don’t already have one. If you already had a Qantas Frequent Flyer membership, you should have been prompted to link your card and your membership when you applied for the card. You can do this now by calling NAB directly.

      I hope this helps.

    Default Gravatar
    Kenneth | August 11, 2013

    How do I change my email address for my MasterCard moments?

      Staff
      Jacob | August 12, 2013

      Hi Kenneth, thanks for your question.

      MasterCard does not issue any credit cards, so you will need to contact the card issuing institution to get them to change your email address.

      Jacob.

    Default Gravatar
    Timi | May 28, 2013

    Which one is higher in quality and benefits between the platinum credit card and the gold credit card

      Staff
      Jacob | May 28, 2013

      Hi Timi. Generally speaking Platinum Credit Cards are have a higher status than Gold Credit Cards. This is reflected in the annual fee, the rewards points earning, and additional features like complimentary international travel insurance and airport lounge access. Let me know if there’s anything else you would like help with. Jacob.

      Default Gravatar
      yeller | December 15, 2015

      Hi, I’m a citibank platinum card holder for a number of years but i never have the chance to access to the lounge areas in airports or sometimes i don’t get priority boarding and other amenities and also how would i access to upgrading. how would i be able to have these perks? thanks

      Staff
      Sally | December 15, 2015

      Hello,

      Unfortunately, the Citibank Platinum card doesn’t offer complimentary airline lounge access.

      You can compare cards that offer these perks here.

      Cheers,

      Sally

Credit Cards Comparison

Rates last updated January 21st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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
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
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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