High Credit Limit Credit Cards

Citi Credit Card - Exclusive Offer

Citi Rewards Card - Exclusive Offer

0% p.a. for 30 months on balance transfers
$49 first-year annual fee

Offer ends 30 November 2020

Eligibility criteria, terms and conditions, fees and charges apply

Citi Credit Card - Exclusive Offer

Save with a long-term balance transfer offer and a first-year annual fee discount. Plus, Citi reward Points for your spending and complimentary insurance.

• $49 first-year annual fee ($149 p.a. thereafter)
• 0% p.a. on balance transfers for 30 months with no balance transfer fee, reverts to 22.24% p.a.
• 21.49% p.a. purchase interest rate | 22.24% p.a. cash advance rate
• Earn 1 Citi reward Point per $1 spent
• Minimum credit limit of $6,000

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Compare high credit limit credit cards

Sort: Purchase rate (high-low) Purchase rate (low-high) Balance transfer rate (high-low) Balance transfer rate (low-high) Annual fee (high-low) Annual fee (low-high) Min credit limit (high-low) Min credit limit (low-high) Max credit limit (high-low) Max credit limit (low-high) Minimum income (high-low) Minimum income (low-high)

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Name	Product	Purchase rate	Balance transfer rate	Annual fee	Min credit limit	Max credit limit	Minimum income
Citi Rewards Card - Exclusive Offer		21.49% p.a.	0% p.a. for 30 months	$49 annual fee for the first year ($149 p.a. thereafter)	$6,000	$100,000	$35,000	Finder Exclusive Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.	Go to site More Info	Compare	loading Fetching your data...
St.George Vertigo Platinum		0% for 15 months, reverts to 12.99% p.a.	6.99% p.a. for 12 months	$49 annual fee for the first year ($99 p.a. thereafter)	$6,000	$80,000		Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.	Go to site More Info	Compare	loading Fetching your data...
St.George Vertigo Classic		0% for 7 months, reverts to 13.99% p.a.	0% p.a. for 22 months with 1.5% balance transfer fee	$0 annual fee for the first year ($55 p.a. thereafter)	$500	$80,000		Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.	Go to site More Info	Compare	loading Fetching your data...
Qantas American Express Ultimate Card		20.74% p.a.		$450	$3,000	$50,000	$65,000	Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.	Go to site More Info	Compare	loading Fetching your data...
American Express Platinum Edge Credit Card		20.74% p.a.		$195	$3,000	$50,000	$50,000	Get $150 back when you spend at least $1,500 within the first 3 months. Plus, receive $200 Travel Credit each year.	Go to site More Info	Compare	loading Fetching your data...
Westpac Altitude Black		20.49% p.a.	6.99% p.a. for 12 months	$250	$15,000	$75,000	$75,000	Earn 150,000 bonus Altitude Points when you meet the spend requirement. Plus, 2 yearly Priority Pass lounge invitations.	Go to site More Info	Compare	loading Fetching your data...
BankSA Amplify Signature Finder Award		19.74% p.a.	0% p.a. for 6 months	$139 annual fee for the first year ($279 p.a. thereafter)	$15,000	$80,000		Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.	Go to site More Info	Compare	loading Fetching your data...
BankSA Vertigo		0% for 7 months, reverts to 13.99% p.a.	0% p.a. for 22 months with 1.5% balance transfer fee	$0 annual fee for the first year ($55 p.a. thereafter)	$500	$80,000		Enjoy a 0% p.a. for up to 22 months on balance transfers and up to 7 months on purchases. Plus, $0 first-year annual fee.	Go to site More Info	Compare	loading Fetching your data...
BankSA Amplify Platinum		0% for 7 months, reverts to 19.74% p.a.	0% p.a. for 22 months with 1.5% balance transfer fee	$0 annual fee for the first year ($99 p.a. thereafter)	$6,000	$80,000		Save with a 0% p.a. for up to 22 months on balance transfers and up to 7 months on purchases. Plus a $0 first-year annual fee.	Go to site More Info	Compare	loading Fetching your data...
St.George Amplify Signature Finder Award		19.74% p.a.	0% p.a. for 6 months	$139 annual fee for the first year ($279 p.a. thereafter)	$15,000	$80,000		Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.	Go to site More Info	Compare	loading Fetching your data...
St.George Vertigo Classic Rainbow		0% for 7 months, reverts to 13.99% p.a.	0% p.a. for 22 months with 1.5% balance transfer fee	$0 annual fee for the first year ($55 p.a. thereafter)	$500	$80,000		All the great low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community.	Go to site More Info	Compare	loading Fetching your data...
St.George Amplify Platinum		0% for 7 months, reverts to 19.74% p.a.	0% p.a. for 22 months with 1.5% balance transfer fee	$0 annual fee for the first year ($99 p.a. thereafter)	$6,000	$80,000		Save with 0% p.a. interest rates on purchases and balance transfers. Plus a $0 first-year annual fee.	Go to site More Info	Compare	loading Fetching your data...
Bank of Melbourne Amplify Platinum		0% for 7 months, reverts to 19.74% p.a.	0% p.a. for 22 months with 1.5% balance transfer fee	$0 annual fee for the first year ($99 p.a. thereafter)	$6,000	$80,000		Enjoy 0% p.a. on purchases and balance transfers along with a $0 first year annual fee waiver.	Go to site More Info	Compare	loading Fetching your data...
Bank of Melbourne Vertigo Classic		0% for 7 months, reverts to 13.99% p.a.	0% p.a. for 22 months with 1.5% balance transfer fee	$0 annual fee for the first year ($55 p.a. thereafter)	$500	$80,000		Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 first-year annual fee.	Go to site More Info	Compare	loading Fetching your data...
Bank of Melbourne Amplify Signature Finder Award		19.74% p.a.	0% p.a. for 6 months	$139 annual fee for the first year ($279 p.a. thereafter)	$15,000	$80,000		Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.	Go to site More Info	Compare	loading Fetching your data...
St.George Rainbow Vertigo Platinum		0% for 15 months, reverts to 12.99% p.a.	6.99% p.a. for 12 months	$49 annual fee for the first year ($99 p.a. thereafter)	$6,000	$80,000		All the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community.	Go to site More Info	Compare	loading Fetching your data...
American Express Velocity Platinum Card		20.74% p.a.		$375	$3,000	$50,000	$65,000	Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.	Go to site More Info	Compare	loading Fetching your data...

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What are high credit limit cards used for?

A card with a high credit limit can be useful if you're planning to spend more or if you want to consolidate a large amount of debt onto a card with a balance transfer offer. The flexibility to pay for more purchases also makes high credit limit credit cards useful if you want to earn more reward points.

While these cards increase your borrowing power, it's important to remember that you have to repay everything you've charged (plus interest if you don't pay it in full by the end of the statement period). If you struggle to repay your balance in full each month and have a tendency to overspend, a credit card with a high credit limit might not be good for you.

What types of credit cards offer high credit limits?

There are many different credit cards in Australia that offer high credit limits, including:

• Gold, platinum and black credit cards

These premium credit cards are designed for big spenders and high income earners and usually offer larger credit limits. These cards offer more extra features such as rewards programs, travel insurance, concierge services and airport lounge access. These premium cards usually charge high annual fees and interest rates, so they're best suited to people who pay their balance in full each month and take full advantage of the extra perks.

• High credit limit balance transfer cards

If you're thinking of transferring a debt to a card with 0% on balance transfers, you need to make sure that the new card has a large enough credit limit to support your balance. Depending on the card, you may be able to request a balance transfer worth between 70% and 100% of the approved credit limit. If your debt exceeds this balance transfer limit, you won't be able to transfer the entire amount and the remaining debt will stay in your old account.

If you have a large credit card debt, consider this when comparing cards and requesting your preferred credit limit. You can compare balance transfer credit cards with high credit limits on Finder.

• Charge cards

Charge cards are not technically credit cards because they require you to repay your entire outstanding balance in full each month. But this setup means they don't have a credit limit or pre-set spending limit. So if you have large and regular purchases in mind and always repay your balance in full, a charge card could give you greater financial flexibility than a credit card with a set credit limit.

• Business or corporate cards

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

What should I think about before getting a card with a large credit limit?

• Your spending habits

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

  If you regularly repay your balance in full, a credit card with a high limit could help you manage your expenses and give you extra spending power in the case of an emergency. But if you don't always repay your balance in full, a high credit limit could be an unnecessary temptation that 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. 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

  Rewards, premium perks and the potential risks that lenders face by providing high credit limits mean that these types of cards often have high interest rates. But there are some low rate cards that also offer high maximum credit limits.

  If you want the flexibility of being able to pay off purchases over a longer period of time, make sure you consider this cost. You can sort the comparison table on this page by purchase interest rate to find the lowest rate option, or compare other low rate cards.

• 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.

High credit limit credit cards can suit you if you regularly spend on credit and repay your debt in full each month. As with any card, you should always spend responsibly and only spend as much as you can afford to repay regardless of your credit limit. Before you apply for a card or request a credit limit, consider your personal circumstances and compare your options before you apply.

Frequently asked questions

• Can a high credit limit credit card affect your credit history?

  Your credit report shows the credit limits of your current products (such as credit cards or loans). It will also show if you have applied for a credit card or credit limit increase. Having a high credit limit could impact your borrowing capacity when you apply for other products. If you regularly repay your balance in full and don't have any defaults, having a high credit score can positively impact your credit history and demonstrate your responsible borrowing habits.

• Is there such thing as a no limit credit card?

  No. All credit cards have a credit limit. The closest alternative is a charge card, which has no pre-set spending limit. This is because you are required to repay your entire balance in full each month in order to keep your account. Your purchases are approved on an individual basis that is based on your repayment history, your purchase history, and your financial position, including your assets.

• What happens if I spend beyond my credit limit?

  If you spend beyond your credit limit, you won't be able to use your card to make any other purchases until you've paid off some of the balance. Some cards will also charge a fee if you spend beyond your credit limit. If your debt is close to the credit limit and you attract interest on the balance, this could also tip over your credit limit.

  Since June 2012, banks are required to contact you when your credit card is getting close to its limit. This should give you a reminder that you need to make a payment or perhaps stop spending for a while so you can get it back down again. The easiest way to avoid exceeding your credit limit is to ensure that you always make regular repayments off your account. This will help keep your balance under control and avoid tipping you over your credit limit.

• Is it good to have a high credit limit?

  Not necessarily. Ideally, your credit limit should fit with your financial circumstances and spending patterns. If you don't spend a lot with your credit card, you may not need a high credit limit.