Platinum Credit Cards

Compare Platinum credit card options to enjoy premium perks including complimentary insurance, higher earn rates for rewards and a 24/7 concierge service.

Platinum credit cards offer premium benefits, higher spending limits and exclusive perks for cardholders who want to get extra value from paying on plastic. Traditionally aimed at big spenders and high-income earners, you'll usually need to meet stricter eligibility requirements to apply for one of these cards.

If you're looking to earn more rewards per $1 spent on your credit card, take advantage of VIP benefits such as airline lounge access and concierge services, shop with a higher credit limit and enjoy complimentary insurance cover, you can compare your platinum credit card options below. As these cards generally come with higher annual fees and interest rates, make sure to weigh up your options to ensure that the value outweighs the costs.

Sponsorship - ANZ Low Rate Platinum Credit Card - Platinum - 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.

    Platinum Credit Card Comparison

    Rates last updated December 9th, 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

    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 Platinum

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

    November 29th, 2016

    View latest updates

    Jonathan Choi Jonathan
    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
    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 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
    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.
    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
    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.
    0 1.25 $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.
    1 0 10,000 bonus points $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.
    0 0 $99 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
    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
    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.
    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
    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
    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
    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.
    1 0 30,000 bonus points $249 p.a. Go to site More info
    Citi Rewards Platinum Card - Cashback Offer
    Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
    0 1.25 $99 p.a. annual fee for the first year ($199 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 period on both purchases and balance transfers.
    0 0.66 $129 p.a. 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

    The Best* Platinum Credit Cards Comparison

    Compare the features of the no annual platinum credit cards below.

    Credit Card
    Feature
    American Express Explorer Credit CardGet up to 100,000 bonus points when you met the required spend. You'll also get two complimentary airline passes per year and a $400 travel voucher.
     A platinum credit card offering from HSBC that rewards you with an annual fee refund if you meet the requirements needed.
     A Platinum credit card from St.George that offers attractive signup incentives.
    This platinum credit card from Citi gives you access to the Citibank dining program.

    Why you should choose a platinum credit card

    The prestige and features of a platinum credit card can give you extra value if you spend regularly, travel frequently or use your credit card for additional perks. Platinum credit card features and benefits are a cut above those offered by classic (basic) or gold credit cards and often include:

    • Complimentary international travel insurance
    • Complimentary interstate flight inconvenience insurance
    • Transit accident insurance
    • Hire car insurance
    • Extended warranty cover
    • Purchase protection insurance
    • Best price guarantees
    • Complimentary airport lounge access
    • Higher points per $1 for reward programs
    • Higher points caps for reward programs
    • Higher credit limits

    While some standard and gold credit cards also offer extras such as complimentary insurance, it’s important to note that platinum credit card complimentary insurance usually offers greater coverage with lower excesses and is more likely to cover companions or family members.

    There are also several platinum credit cards that offer no foreign transaction fee, such as the Bankwest Zero Platinum. If you use your card for purchases overseas or regularly shop with foreign online merchants, a platinum card with 0% currency conversion fees could help cut costs.

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    How to compare Platinum Credit CardsbusinessmanCC copy

    Almost every credit card issuer offers a Platinum product, which makes comparing credit cards to ensure they suit your lifestyle even more important. A good place to start is by looking at the features that are similar across all credit cards (such as purchase interest rates), and the features that are different (including promotional interest rates or specific complimentary extras). Some of the factors you might want to include in your comparison include:

    Interest rates and fees

      • Annual fee. Platinum credit cards usually come at the price of a higher annual fee, so annual fees can range between $100 and $1,200. Some cards do offer waived or lower annual fees for a promotional period, though.
      • Purchase interest rates. While most platinum credit cards have higher interest rates of around 20%, some cards do offer a low or no interest for a promotional period.
      • Interest-free days. If you pay your balance in full, you could take advantage of up to 55 interest-free days on purchases.
      • Balance transfers. If you’re consolidating a debt, look for a platinum card that has a 0% offer on balance transfers for a promotional period. You shouldn’t use your card for spending while you’re repaying a debt, though, so this is something you’ll want to consider when comparing your options.
      • Foreign transaction fees. If you’re using your credit card overseas, you could be charged between 1% to 3% of the overall transaction amount if you’re spending in a foreign currency. If you use your card for an ATM withdrawal, you should also watch out for overseas ATM withdrawal and cash advance fees.
      • Cash advances. If you use your card for an ATM withdrawal, gambling transaction or other cash-equivalent transactions, you’ll usually be charged a higher interest rate of 20% to 22%. Find out what is considered a cash advance here.
      • Credit limit. The credit limit you’re approved for will be based on your income and credit history, but they can range from a minimum limit of around $5,000 up to $50,000 or more. Make sure that the credit limit you apply for can support your financial needs without tempting you to overspend.
      • Additional cardholders. If you’re using your card to manage your business or family spending, the option to request additional cardholders could come in handy. See how many cardholders you’re allowed and whether there is a fee involved to determine whether the card suits you.

     Extra features

    • Rewards points. Some credit cards come with reward or frequent flyer programs, allowing you to earn reward points for every dollar you spend on eligible purchases. Some platinum cards offer up to 2 reward points per $1 spent, which you can then redeem for cash back, gift cards or products from the online store. If you opt for a frequent flyer credit card, your points will automatically go to your Qantas or Velocity account, which you can then redeem for flight rewards. Some platinum credit cards also offer bonus points, which could be a good way to boost your balance. Some cards may come with capped points or expiration terms and conditions, so make sure you’re aware of these to get the most out of your points.
    • Complimentary insurance. Most platinum credit cards offer complimentary travel insurance that will cover medical and hospital expenses, loss or damage to personal property, cancellation of travel arrangements and inconvenience cover while you’re overseas. This cover usually extends to partners and family members travelling with you, but you might need to make a purchase on the card (such as $500 of your prepaid travel costs) to activate the insurance. Some platinum cards also include additional insurances such as purchase protection and extended warranty. Find out more about credit cards with included insurance.
    • Concierge services. Some platinum cards offer a 24/7 concierge service that can help you with anything from travel bookings and restaurant reservations to sending a gift or securing concert tickets.
    • Airline lounge passes. Some platinum credit cards offer the added luxury of airport lounge access when you travel. Depending on the lounge, these usually offer complimentary food and beverages, free WiFi and shower facilities, letting you wait for your flight in style. You can compare credit cards with airline lounge passes for more options.
    • Entertainment experiences. Depending on the card network you’re with, you could take advantage of presale concert tickets, exclusive competitions, discount ticket prices and more with Visa Entertainment, American Express Invites and Mastercard Priceless Cities.

    With all of these factors in mind, make sure that you consider whether the features suit your lifestyle, if the credit limit suits your finances and how much you spend (and repay) each month to determine whether you'll get full value from the card.

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    How to apply for a platinum credit card
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    You can apply for a platinum credit card online by clicking the 'Go to site' button, but you'll need to make sure you meet the following eligibility requirements and necessary documents.

    Eligibility requirements

    • Age. Applicants must be at least 18 years of age.
    • Credit history. Platinum credit cards are designed for people with good or excellent credit history.
    • Annual income. You must have a regular source of income. Platinum credit cards also have higher minimum income requirements, starting from $30,000 p.a. but usually closer to $50,000 p.a. or more.
    • Employment. Full-time employment is preferred. If you are self-employed, retired or on a pension and can provide proof of regular income, then you may also be eligible to apply

    Necessary documents

    • Proof of identity. You'll need to provide a copy of your passport, Medicare card and/or your driver's licence to prove your identity.
    • Employment information. You'll need to provide proof of your employment with two recent payslips, your most recent tax statement or a letter from your employer. You'll also be asked to provide the details of your employer or, if you're self-employed, your accountant.

    Applying for a platinum credit card online

    Once you've confirmed that you're eligible and have collected the necessary information, you can apply for a platinum credit card in the following steps:

    1. Find a platinum credit card that best suits your needs and click on the ‘Go to site’ button. This will send you to the bank’s secure application page.
    2. Read over the eligibility criteria and application terms then select ‘Apply’.
    3. Fill out the application with all of the requested information.
    4. Provide your supporting documentation when it is requested. If you don't have the necessary document or information on hand, you can pause your application to spend some time looking for it or contact the bank to see if there is any substitute information you could include. It's safer to do this than submit your application and risk being rejected.
    5. Submit your application. You should be notified of the initial outcome within a few minutes via the webpage or your email.
    6. If you receive conditional approval, follow the steps outlined by the bank to complete the application process.

    If you're approved, you can expect to receive your credit card within 5 to 10 business days.

    From higher credit limits and more reward points to complimentary insurance, concierge services and travel perks, platinum credit cards have both premium features and status that lift them up above other options. So if you want your credit card to do more for you than just the basics, check out the wide range of platinum credit cards and use your knowledge of them to find an option that is right for you.

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    Frequently asked questions about platinum credit cards

    Here are some of the most frequently asked questions about platinum credit cards from our users. If you still have a question please leave a comment in the box below.

    Are there any low-interest rate platinum credit cards?

    Yes. Low interest rate platinum credit cards are extremely popular due to their combination of low-interest rates and platinum benefits.

    How do I cancel a platinum credit card?

    If you’ve paid the card off in full, you can cancel platinum credit cards at any time, free of charge. See our guide on how to cancel a credit card for tips on how to do so without hurting your credit score.

    What level of credit card is above platinum?

    In the premium card tier, only black credit cards are more exclusive than platinum. If you want premium perks but aren't ready to apply for a platinum credit card, you can compare gold credit cards.

    When is a platinum card not valuable?

    Platinum cards offer a wealth of extra perks and features that could make your credit card experience more rewarding. However, as these cards generally come with a higher annual fee and interest rates than most cards, you'll want to make sure you're paying your balance in full and taking advantage of all of the card's features to ensure you're getting your money's worth. If you're earning reward points, you can also calculate the dollar value of the rewards you're redeeming to determine whether or not it outweighs the card's annual fee and interest costs.

    Images: Shutterstock.

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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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    31 Responses to Platinum Credit Cards

    1. Default Gravatar
      Manny | December 9, 2016

      What is the minimum income per annum to qualify for a credit card?

      • Staff
        Anndy | December 9, 2016

        Hi Manny,

        Thanks for your question.

        To apply for a platinum credit card, the minimum income requirement starts at $30,000 p.a. but most require around $50,000 p.a. or more.

        You’ll be able to check the minimum income requirement for a particular card when you check its review page by clicking its name on the comparison table.

        Cheers,
        Anndy

    2. Default Gravatar
      john | May 18, 2016

      What is the minimum amount that must be paid on an ANZ platinum credit card to be able to access complementary Overseas Travel Insurance with QBE

      • Staff
        Anndy | May 18, 2016

        Hi John,

        Thanks for your comment.

        If you have an ANZ Platinum Credit Card, you will be eligible for the complimentary overseas travel insurance when before leaving Australia, you use your credit card to purchase at least $250 of your transport costs that include airfares and/or cruise and/or land content costs such as tours and hire cars, transport and accommodation.

        I hope this helps.

        Cheers,
        Anndy

    3. Default Gravatar
      Brian | February 8, 2016

      I receive $24000 annually from superannuation plus approx $9300 in aged pension. My wife receives $12000 annual super plus the same aged pension.We have a joint V2 account. Do we/I qualify for a Platinum card?

      • Staff
        Debbie | February 16, 2016

        Hi Brian,

        Thanks for your inquiry.
        Please note that you’ve come through finder.com.au, an we’re not in the position to recommend any financial advice.

        You may wish to contact directly your preferred credit card issuer, they may be more happy to assist and provide you with their credit cards’ income requirements.

        To know more how much do you need to earn to get a credit card, kindly go through this page.

        I hope this helps.

        Cheers,
        Debbie

    4. Default Gravatar
      jaswinder | April 18, 2015

      what are the levels of credit card in terms of low credit limit to high credit limit

      • Staff
        Jonathan | April 20, 2015

        Hi Jaswinder, thanks for your inquiry!

        Credit limits vary depending on the type of credit card and the individual’s credit score/ history. Bank’s will provide a default/ minimum level of credit, with increases in the credit limit available upon request.

        Cheers,

        Jonathan

    5. Default Gravatar
      Greg | November 13, 2014

      Can I pay for goods by transferring out of a Business platinum Card online account as a bank transfer or Bpay and still earn rewards points.

      • Staff
        Elizabeth | November 13, 2014

        Hi Greg,

        Thanks for your question.

        This depends on the card issuer, as each one will have different definitions of what an ‘eligible purchase’ is that can earn rewards points. Some card issuers may allow you to earn rewards points for BPAY payments, but generally a bank transfer out of your credit card is considered a cash advance and so will not earn points.

        I suggest you check what you card issuer defines as an eligible purchase.

        I hope this has helped.

        Thanks,

        Elizabeth

    6. Default Gravatar
      sidiki | May 16, 2014

      can i pay my credit card contract early?
      how can i fiend out the pay out figure?

      • Staff
        Shirley | May 22, 2014

        Hi Sidiki,

        Thanks for your question.

        Yes you can pay back your credit card balance early. Please follow the instructions on your credit card statement to do so.

        Generally there isn’t a fee for paying back your credit card early, but please confirm this with the PDS of your product.

        Cheers,
        Shirley

    7. Default Gravatar
      mick | May 7, 2014

      What is the difference between Platinum cards which offer TRAVEL INSURANCE and those which offer TRAVEL AND MEDICAL INSURANCE?

      It is probably obvious but perhaps a little more explanation might be helpful.

      Thanks.

      • Staff
        Shirley | May 8, 2014

        Hi Mick,

        Thanks for your question.

        Travel insurance refers to things like luggage protection or cover for trip cancellation costs. Medical insurance covers things like injury or death during your travels.

        To find out what credit card offers travel insurance or medical insurance (or both), please read the PDS of the product.

        Cheers,
        Shirley

      • Default Gravatar
        mick | May 8, 2014

        I sort of thought along those lines but what I was really wanting to know is WHICH PLATINUM CARDS offer medical insurance? I know that ANZ does but I am wanting to move away from this company.
        Thanks.

      • Staff
        Shirley | May 9, 2014

        Hi Mick,

        Thanks for your question.

        You’ll need to conduct your own research to find platinum cards that offer medical travel insurance. Where this feature is offered, it will be mentioned in our reviews. For example, the HSBC Platinum credit card offers complimentary travel insurance, but you’re covered for eligible medical expenses as well.

        This page has a pretty comprehensive list of cards that offer travel insurance, but not all of those cards are platinum cards. Alternatively, the list of cards on this page may also include cards that have medical insurance.

        Cheers,
        Shirley

      • Default Gravatar
        | May 9, 2014

        “eligible” medical expenses is like asking how long a piece of string is…..a meaningless statement.

        You are right. No point in asking those who wrote the blog because they have no idea so perhaps better to ring each of the issuers.

        Cheers.

    8. Default Gravatar
      can | March 30, 2014

      Can I apply on Sunday?

      • Staff
        Jacob | March 31, 2014

        Hi, Can.

        You can apply online for a credit card twenty four hours a day, seven days a week.

        Thanks for your question.

    9. Default Gravatar
      | March 10, 2014

      Do I have travel insurance for domestic travel and hire car excesses when travelling in Australia I currently have a Platinum MasterCard.

      • Staff
        Jacob | March 10, 2014

        Hi, Bruce.

        Each insurance policy has differences. Can you please provide the name of your card issuer and I will be able to give further information.

        Thanks for your question.

    10. Default Gravatar
      Kenneth | March 6, 2014

      I have a Platinum NAB MasterCard and use it during our overseas holidays. Our next trip leaves in three weeks.
      We have had the cruise booked for the last 6 months but my wife is currently having a pacemaker fitted and the doctors say she cannot travel for a few months.
      We have advise all the tour operators about the situation and have cancelled the bookings.
      How do we stand regarding the insurance?
      Regards, Ken.

    Credit Cards Comparison

    Rates last updated December 9th, 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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