Platinum, Gold and Black Credit Cards Comparison

From better points earn rates and airline lounge passes to higher credit limits, reward your spending with exclusive benefits with a gold, platinum or black 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.

St.George Vertigo Platinum - Online Offer

0% p.a. for 24 months on balance transfers with no BT fee
$0 annual fee for the first year

Offer ends 13 December 2017

Eligibility criteria, terms and conditions, fees and charges apply

St.George Credit Card Online Offer

A platinum card that features a no BT fee balance transfer offer, first year annual fee waiver and a low variable interest rate on purchases.

  • $0 p.a. annual fee for the first year ($99 p.a. thereafter).
  • 12.74% p.a. on purchases
  • Cash advance rate of 21.49% p.a.
  • Up to 55 days interest free
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Compare Platinum, Gold and Black credit cards

Rates last updated November 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 13 December 2017.
Qantas Premier Platinum
75,000 bonus points
1
19.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
HSBC Platinum Credit Card
1
19.99% p.a.
$129 p.a.
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% balance transfer fee.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
Citi Rewards Platinum Credit Card
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Enjoy a long-term balance transfer offer of 0% p.a. for 24 months with a 1.5% balance transfer fee.
NAB Premium Card
0
0
19.74% p.a.
$90 p.a.
Offers 7 complimentary insurance covers, access to a 24/7 concierge service and special offers through Visa Entertainment.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
$99 p.a.
Receive complimentary international travel insurance, extended warranty cover and 0% foreign transaction fees.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, take advantage of a long-term balance transfer offer and receive complimentary travel insurance.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
19.99% p.a.
$199 p.a.
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel insurance.
Bendigo Bank Platinum Rewards Mastercard
100,000 bonus points
1.5
19.99% p.a.
$89 p.a.
Get rewarded for every $1 spent on eligible purchases and balance transfers. Plus, enjoy a range of premium benefits.
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
$89 p.a.
A low rate platinum card with premium features such as mobile phone and tablet insurance and purchase protections
Bankwest Zero Platinum Mastercard
0
0
17.99% p.a.
$0 p.a.
Receive complimentary international travel insurance, access to a 24/7 concierge service and 0% foreign transaction fees.
American Express Velocity Platinum Card
50,000 bonus points
1.5
20.74% p.a.
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
NAB Rewards Platinum Card
60,000 bonus points
1
19.99% p.a.
$195 p.a.
Earn 60,000 bonus points when the minimum required spend is met and enjoy 0% p.a. on balance transfers for 6 months.
NAB Low Rate Platinum Card
0% p.a. for 9 months (reverts to 13.99% p.a.)
$100 p.a.
Take advantage of 0% p.a. for 9 months on purchases. Plus, the protection of 7 complimentary insurances.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Until 30 November 2017, save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
CUA Platinum Credit Card
1
19.99% p.a.
$0 p.a. annual fee for the first year ($149 p.a. thereafter)
Collect 1 CUA Rich Life Rewards point per $1 spent, plus receive complimentary travel and purchase protection insurances.
ANZ Low Rate Platinum
11.49% p.a.
$99 p.a.
Get $250 back to your new ANZ Low Rate Platinum when you spend $500 on eligible purchases within the first 60 days from card approval.
ANZ Rewards Platinum
65,000 bonus points
1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Receive complimentary insurance including travel and medical, purchase security and extended warranty insurance.

Compare up to 4 providers

Rates last updated November 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
American Express Gold Business Card
10,000 bonus points
0
1
$169 p.a.
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
Commonwealth Bank Business Gold Awards Credit Card
1
0.5
20.74% p.a.
$150 p.a.
Earn up to 2 Awards points per $1 spent, receive an unsecured credit limit of up to $50,000 and up to 55 days interest-free on purchases.

Compare up to 4 providers

Rates last updated November 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Earn 75 Bonus Status Credits when you apply by 24 January 2018, buy and fly return with Qantas by 31 May 2018.
Citi Prestige Card
150,000 bonus points
3
20.99% p.a.
$700 p.a.
Get access to 700 domestic and international airport lounges and 1 complimentary night stay per year at of the premium partner hotels.
ANZ Rewards Black Credit Card
75,000 bonus points
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Receive complimentary overseas travel insurance and unlimited access to participating Véloce airport lounges outside of Australia.
American Express Explorer Credit Card
50,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.

Compare up to 4 providers

couple-gold-credit-card895x300

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 November 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
American Express Gold Business Card
10,000 bonus points
0
1
$169 p.a.
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
Commonwealth Bank Business Gold Awards Credit Card
1
0.5
20.74% p.a.
$150 p.a.
Earn up to 2 Awards points per $1 spent, receive an unsecured credit limit of up to $50,000 and up to 55 days interest-free on purchases.

Compare up to 4 providers

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:

Features of a Gold credit card

  • 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

Rates last updated November 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 13 December 2017.
HSBC Platinum Credit Card
1
19.99% p.a.
$129 p.a.
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% balance transfer fee.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
NAB Premium Card
0
0
19.74% p.a.
$90 p.a.
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, take advantage of a long-term balance transfer offer and receive complimentary travel insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66
20.74% p.a.
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
$89 p.a.
A low rate platinum card with premium features such as mobile phone and tablet insurance and purchase protections
Citi Rewards Platinum Credit Card
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Enjoy a long-term balance transfer offer of 0% p.a. for 24 months with a 1.5% balance transfer fee.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
$99 p.a.
Receive complimentary international travel insurance, extended warranty cover and 0% foreign transaction fees.

Compare up to 4 providers

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:

The features you can expect from a Platinum credit card

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

Rates last updated November 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Earn 75 Bonus Status Credits when you apply by 24 January 2018, buy and fly return with Qantas by 31 May 2018.
American Express Explorer Credit Card
50,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
ANZ Rewards Black Credit Card
75,000 bonus points
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Receive access to participating Véloce airport lounges outside of Australia and a personal 24/7 concierge.
Citi Prestige Card
150,000 bonus points
3
20.99% p.a.
$700 p.a.
Earn from 1 Point per $1 spent on selected purchases and enjoy unlimited airport lounge access with a complimentary Priority Pass.
Bankwest More World Mastercard
115,000 bonus points
2.5
19.99% p.a.
$270 p.a.
Earn 2.5 More Rewards Points per $1 spent and receive complimentary travel insurance.

Compare up to 4 providers

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 perks and features you can expect from a Black credit card

  • 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.

Questions to ask 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.

Natasha chooses between a gold, platinum and 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: 0.5 points per $1 spent
75,000 per year-International travel insurance included with card
-Purchase security insurance
-Extended warranty insurance
The ANZ Frequent Flyer Platinum19.99% p.a.$0 for the first year ($295 p.a. thereafter)Spending up to $3,000 per statement period: 0.5 Qantas Points per $1
Spending above $3,000 per statement period: 0.75 Qantas Points per $1 spent
Different earn rate for spending above $3,000 per statement period-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.$0 for the first year ($425 p.a. thereafter)Spending up to $7,500 per statement period: 0.5 Qantas Point per $1 spent on eligible purchases
Spending above $7,500 per statement period: 1 Qantas Points per $1
Different earn rate for spending above $7,500 per statement period-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 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 would be able to earn an average of 3,250 points per month with 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 that 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 about gold, platinum and black credit cards

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Qantas Premier Platinum
Qantas Premier Platinum

Interest rate

19.99

Annual fee

299
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Bankwest Breeze Classic Mastercard
Bankwest Breeze Classic Mastercard

Interest rate

12.99

Annual fee

79

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33 Responses

  1. Default Gravatar
    IrisOctober 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
      SallyFebruary 24, 2016Staff

      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
    TrevJune 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
      JonathanJune 2, 2015Staff

      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
      JonathanJune 2, 2015Staff

      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
    bradApril 22, 2015

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

    • Staff
      JonathanApril 23, 2015Staff

      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
    glendaMarch 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
      ElizabethMarch 25, 2015Staff

      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
      JonathanMarch 18, 2015Staff

      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
    harryNovember 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
      ElizabethNovember 4, 2014Staff

      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
      AlanMay 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
      ShirleyMay 15, 2014Staff

      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
      JacobMarch 10, 2014Staff

      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
    davidAugust 28, 2013

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

    • Staff
      JacobAugust 28, 2013Staff

      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
    KennethAugust 11, 2013

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

    • Staff
      JacobAugust 12, 2013Staff

      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
    TimiMay 28, 2013

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

    • Staff
      JacobMay 28, 2013Staff

      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
      yellerDecember 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
      SallyDecember 15, 2015Staff

      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 November 24th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 15 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

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* 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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