Credit cards for high income earners
Compare credit cards with premium features, frequent flyer perks and high minimum income requirements.
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Credit cards for high income earners offer larger credit limits and premium perks including frequent flyer programs, concierge services, complimentary insurance and airport lounge passes. You can use this guide to compare credit cards with high income requirements and learn more about the features you can expect from these cards.
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What is a high income credit card?
When you apply for a credit card, you may be required to meet a minimum annual income requirement to be approved. A card with a "high" income requirement could range between $35,000 and $1o0,000 per year. They're suited to people who regularly spend with a credit card, will repay their balance in full each month and can take full advantage of the card's features to justify the annual fee.
What features can I expect from one of these credit cards?
The specific features will vary between products, but credit cards for high income earners can offer the following:
- Frequent flyer or rewards points. Some of these credit cards are linked with frequent flyer programs or rewards points. You can earn points as you spend and redeem them for rewards including flights, accommodation, gift cards and more. These cards often reward new cardholders with thousands of bonus points when they sign up and meet the spend requirement.
- Travel perks. This could include passes to airport lounges, travel credits, flight vouchers.
- Complimentary insurance. These cards usually offer complimentary travel insurance and purchase covers including extended warranty protection. Eligibility criteria, inclusions and exclusions apply, so make sure to check out the insurance policy documents.
- Concierge service. Many platinum cards come with a personal concierge service who can help you with anything from organising a holiday, booking a work function or organising a gift for a loved one.
- Higher credit limit. The credit limit you're approved for will vary depending on your financial situation, but these cards usually offer higher credit limits than other lower-tier products.
Credit cards with high minimum income requirements often come with competitive benefits. The income criteria is just one of many factors that the lender will consider when reviewing your credit card application, so make sure to consider the other requirements before you apply.Back to top
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