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.

Sponsorship - ANZ Low Rate Platinum Credit Card - PlatGoldBlack - PE-32844

Platinum Credit Card Offer

The ANZ Low Rate Platinum Credit Card comes with an introductory purchase rate offer and benefits of a Platinum card.

  • Get $250 back to your new ANZ Low Rate Platinum Credit Card. $250 will be credited within 2 months of activation.
  • Take advantage of 0% p.a. on purchases for the first 6 months from approval on your new card. Reverts to standard purchase rate.
  • This offer is available for a limited time and can only be redeemed once per customer.

    Compare Platinum, Gold and Black credit cards

    Rates last updated December 11th, 2016
    Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
    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 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.
    1.5 0.5 75,000 bonus points $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.
    0 1 $149 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Earn 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. Available from mid-2016.
    0 0.66 $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.
    0 0 $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.
    0 1 60,000 bonus points $199 p.a. 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.
    0 0 $99 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
    Citi Qantas Signature Credit Card
    Earn up to 50,000 bonus Qantas Points when you spend at least $2,000 on eligible purchases within 90 days. Receive introductory interest rates on balance transfers and purchases, plus complimentary access to over 850 airport lounges worldwide.
    0 1 50,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) 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
    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
    Citi Rewards Credit Card - Platinum Card
    Consolidate your debt with a balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges to enjoy including 1.25 Reward Points per $1 spent and complimentary insurance.
    0 1.25 $199 p.a. annual fee for the first year ($249 p.a. thereafter) 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.
    0 0 $99 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 High Flyer Card - 30k Bonus Points offer
    Receive 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 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
    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 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
    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 0 100,000 bonus points $1,200 p.a. 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
    Rates last updated December 11th, 2016
    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 December 11th, 2016
    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 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 three 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 December 11th, 2016.

    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 December 11th, 2016.

    Citi Rewards Credit Card - Platinum Card

    0% p.a. for 24 months balance transfer offer has been extended until 17 March 2017.

    November 21st, 2016

    ANZ Frequent Flyer Platinum

    50,000 bonus points offer has been extended, plus a new offer of $0 annual fee for the first year.

    November 29th, 2016

    American Express Explorer Credit Card

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

    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
    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
    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.
    VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Earn 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. Available from mid-2016.
    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
    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.
    VISA/MC: 0 AMEX: 0 Yes 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 Rewards Credit Card - Platinum Card
    Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
    VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 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
    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.
    VISA/MC: 0 AMEX: 0 Yes 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
    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 December 11th, 2016.

    ANZ Rewards Black Credit Card

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

    June 15th, 2016

    Westpac Altitude Black - Exclusive Offer

    New exclusive offer of 100,000 bonus Altitude or Qantas Points which is valid until 5 January 2017

    October 18th, 2016

    American Express Explorer Credit Card

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

    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 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 three 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
    Citi Prestige Card
    Receive 70,000 bonus reward points on your first spend with uncapped rewards points and no points expiry.
    2 Yes 20.99% p.a. 0% p.a. for 6 months $700 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 Bankwest Qantas Gold MasterCard20.49% p.a.$1500.5 point per $1 spent66,667 per year- International travel insurance- Purchase security cover- Purchase price guarantee
    The ANZ Frequent Flyer Platinum19.99% p.a.$295 p.a.Visa: 0.5 point per $1Amex: 1.5 points per $1Visa: 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 $1Amex: 1.5 points per $1Uncapped- 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
    ME Bank frank Credit Card
    ME Bank frank Credit Card

    Interest rate

    11.99

    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

    1. 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

    2. 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

    3. 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

    4. 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

    5. 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

    6. 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

    7. 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.

    8. 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.

    9. 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.

    10. 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 December 11th, 2016
    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
    ME Bank frank Credit Card
    Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
    11.99% p.a. $0 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
    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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