High Credit Limit Credit Cards

A high credit limit can help when you want to use your credit card for big purchases or other payments. Here’s what you need to know.

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Name Bonus points Points per $ spent Purchase rate p.a. Annual fee
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card image
Finder Award
Qantas Frequent Flyer
Bonus points
100,000
Points per $ spent
1.25
Purchase rate p.a.
23.99%
Annual fee
$450
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Limited time offer: Get a yearly $450 Travel Credit and 100,000 bonus Qantas Points when you spend $5,000 on eligible purchases in the first 3 months.
Bankwest Breeze Platinum Mastercard
Bankwest Breeze Platinum Mastercard image
Finder Award
Bonus points
N/A
Points per $ spent
N/A
Purchase rate p.a.
12.99%
Annual fee
$59
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Get 0% p.a. interest on balance transfers for 24 months (with a 3% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.
American Express Qantas Business Rewards Card
American Express Qantas Business Rewards Card image
Finder Award
Qantas Business Rewards
Bonus points
170,000
Points per $ spent
1.25
Purchase rate p.a.
0%
Annual fee
$450
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Limited time offer: Earn 170,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. ABN holders w/ $75k revenue.
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card image
Finder Award
ANZ Rewards Program
Bonus points
180,000
Points per $ spent
2
Purchase rate p.a.
20.99%
Annual fee
$375
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Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
NAB Rewards Platinum Card – Velocity Points
NAB Rewards Platinum Card – Velocity Points image
Velocity Frequent Flyer
Bonus points
80,000
Points per $ spent
1
Purchase rate p.a.
20.99%
Annual fee
$95 first year ($195 after)
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Get up to 80,000 bonus Velocity Points: 60,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months.
ANZ Platinum Credit Card
ANZ Platinum Credit Card image
Bonus points
N/A
Points per $ spent
N/A
Purchase rate p.a.
20.99%
Annual fee
$0 first year ($87 after)
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Get $100 back on your card when you spend $2,000 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
American Express Velocity Platinum Card
American Express Velocity Platinum Card image
Velocity Frequent Flyer
Bonus points
100,000
Points per $ spent
1.25
Purchase rate p.a.
23.99%
Annual fee
$440
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Limited time offer: Enjoy 100,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus, up to 100 bonus Status Credits and up to 2.25 Velocity Points per $1 spent.
Westpac Altitude Qantas Black
Westpac Altitude Qantas Black image
Qantas Frequent Flyer
Bonus points
120,000
Points per $ spent
0.75
Purchase rate p.a.
20.99%
Annual fee
$370
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Up to 120,000 bonus Qantas Points (90,000 points in year 1 when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
Virgin Money Anytime Rewards Credit Card
Virgin Money Anytime Rewards Credit Card image
Virgin Money Rewards
Bonus points
80,000
Points per $ spent
1
Purchase rate p.a.
19.99%
Annual fee
$149
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Offers 80,000 bonus Virgin Money Points (worth $400 in gift cards) when you spend $3,000 or more on eligible purchases in the first 3 months.
American Express Explorer Credit Card
American Express Explorer Credit Card image
Membership Rewards
Bonus points
100,000
Points per $ spent
2
Purchase rate p.a.
23.99%
Annual fee
$395
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Limited time offer: Get 100,000 Membership Rewards Bonus Points and spend $4,000 on eligible purchases in the first 3 months.
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card image
Westpac Altitude Rewards
Bonus points
120,000
Points per $ spent
1
Purchase rate p.a.
20.99%
Annual fee
$99 first year ($175 after)
Go to siteMore Info
Up to 120,000 bonus Altitude Points (90,000 points in year 1 when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).
American Express Platinum Card
American Express Platinum Card image
Membership Rewards
Bonus points
200,000
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$1,450
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Limited time offer: Earn 200,000 Membership Rewards Bonus Points when you spend $5,000 on eligible purchases in the first 3 months.
St.George Amplify Signature
St.George Amplify Signature image
Amplify Rewards
Bonus points
150,000
Points per $ spent
1.5
Purchase rate p.a.
20.99%
Annual fee
$199 first year ($295 after)
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150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
American Express Platinum Business Card
American Express Platinum Business Card image
Membership Rewards Ascent Premium
Bonus points
250,000
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$875 first year ($1,750 after)
Go to siteMore Info
Limited time offer: Get 250,000 Membership Rewards Bonus Points when you spend $12,000 on eligible purchases in the first 3 months. Plus, a first-year annual fee discount. ABN holders w/ $75,000 revenue.
Westpac Altitude Rewards Black
Westpac Altitude Rewards Black image
Westpac Altitude Rewards
Bonus points
150,000
Points per $ spent
1.25
Purchase rate p.a.
20.99%
Annual fee
$200 first year ($295 after)
Go to siteMore Info
Earn up to 150,000 bonus Altitude Rewards Points (100,000 points in year 1 when you spend $6,000 in the first 120 days and 50,000 in year 2).
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If you want the flexibility of a higher limit, there are credit cards in Australia that offer maximum credit limits of between $20,000 and $100,000. These cards are usually gold, platinum or black accounts that also offer rewards and perks such as airport lounge access, complimentary insurance and concierge services.

Just keep in mind that they may also have higher rates, fees and eligibility requirements.

What are high credit limit cards used for?

A card with a high credit limit offers more flexibility if you're planning to spend a lot or want to earn more reward points. A higher limit can also be helpful if you want to consolidate debt with a balance transfer offer, as credit cards typically have maximum balance transfer amounts based on the available limit.

While these cards increase your borrowing power, it's important to remember that you have to repay what you spend. There's also a risk of interest charges adding up if you carry a balance from month-to-month. So, high credit limits are more suited to people who repay what they spend in each statement period to avoid interest and ongoing debt.

Applying for a new card vs. requesting a higher credit limit

If you already have a credit card you like, you can request a credit limit increase instead of applying for a new card. The credit card provider will still have to do a credit check and assess your eligibility for an increase, but if you're approved it means you can keep using the same card.

Types of credit cards that offer high credit limits

  • Gold, platinum and black credit cards

These premium credit cards are designed for big spenders and high income earners. This also means they typically have higher minimum and maximum credit limits than more basic cards, as well as rewards programs and other perks.

As premium cards usually charge high annual fees and interest rates, they're suited to people who pay their balance in full each month and make use of points and other perks.

  • High credit limit balance transfer cards

Credit cards typically allow you to transfer a balance (or balances) worth between 70% to 100% of your available credit limit on a new card. If your debt exceeds the balance transfer limit, you won't be able to transfer the entire amount. So it's important to consider the potential credit limit before you apply for a balance transfer.

💡Tip: When you apply for a new credit card, you may be able to request a specific credit limit. It's still subject to lending criteria and assessment (and not all providers have this option), but it can be helpful when you want to transfer a balance to the new card.
  • Charge cards

A charge card offers similar features to a credit card, but you have to repay the total amount that you spend each month. This setup means charge cards can offer the flexibility of no pre-set spending limit.

  • Business or corporate cards

If you want a card to manage business cash flow, a business or corporate card will generally offer a higher credit limit than a personal card. They also offer other features for business owners, such as additional cards for employees, itemised statements and integration with accounting software such as MYOB and Quicken.

What to think about before getting a higher credit limit

  • Your spending habits

    Before you request a credit limit increase or apply for a credit card with a high credit limit, consider how much you would need to support your regular spending without tempting you to overspend.

    If you typically pay your balance in full, a credit card with a high limit could help you manage expenses and give you extra spending power in the case of an emergency. But if you don't always pay your balance in full, a high limit could lead to debt.

  • Eligibility

    Your income, expenses, credit history and Australian residency status can all impact whether or not you're approved for the card and what credit limit you'll get.

    Under Australia's responsible lending requirements, banks and other credit card providers need to consider these details. They also have to assess your ability to repay the total limit, with interest, over a 3-year period.

💡 Tip: Before you apply for one of these cards or request a credit limit, check your credit score and make sure your credit history is in good standing.
  • Interest rates

    The average credit card interest rate in Australia is around 20%. But rates typically range from around 8% to 27%, so it's important to consider this cost and compare cards to find one that's suitable for you.

  • Annual fees

    Most credit cards that offer high maximum credit limits charge an annual fee. This could be less than $100 or more than $400 depending on the card. You can weigh this cost against the potential value you'll get from the card's features – such as rewards or a balance transfer offer – to help decide if it is worth it.

Is a high credit limit credit card right for you?

High limit credit cards can suit you if you regularly spend on credit and repay your debt in full each month. But they can also increase the risk of credit card debt or even affect your credit score – especially if your application is declined.

So before you apply for a card or request a higher limit, make sure you compare different options. You could also calculate a credit limit that will work for you to help increase your chance of approval.

Frequently asked questions

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Amy Bradney-George's headshot
Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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