Visa Platinum benefits

From more rewards to exclusive offers when you travel, shop or dine, find out what perks you can get with a Visa Platinum card.

Last updated:

While classic Visa credit cards include features such as global acceptance, Zero Liability Policy and lost/stolen card reporting, Visa Platinum cards offer you even more premium perks and benefits. Depending on the provider, a Visa Platinum option could give you access to more points per $1 spent, pre-sale ticket offers or even hotel upgrades (among other things).

But platinum credit cards usually have higher annual fees than classic or basic cards, which means the costs can sometimes outweigh the potential benefits. So if you're wondering just what the difference is between a regular Visa card and a Visa Platinum card, here you'll find details of the premium perks that are available with platinum options – as well as what to think about when you're comparing different cards.

What benefits, rewards and privileges can I get with a Visa Platinum credit card?

Credit card providers choose which perks come with their platinum credit cards, typically selecting a range of benefits through their own networks and Visa. With that in mind, here are some of the exclusive Visa Platinum benefits you could enjoy:

  • 24/7 concierge services. Access the Visa Platinum Concierge Service with a phone call or email at any time of day (or night) and they will take care of booking that restaurant, flight or concert ticket for you. A credit card concierge can also help with other requests, such as planning events, buying flowers for someone or sourcing other gifts and items on your must-have list.
  • Visa Offers + Perks. Previously, Visa has listed different benefits under separate websites and names, but now lists all current offers on the Visa Offers + Perks page. The options vary depending on factors such as when you're looking, where you are and the type of Visa card you have, but typically include:
    • Pre-sale tickets. Get access to exclusive ticket offers for music tours, festivals, live shows and more. To give you an idea of different options, Visa has a partnership with Ticketek Australia and also offered pre-sale options for Splendour in the Grass in both 2018 and 2019. (Note: These options used to be offered under the names Visa Front Line Access and Visa Entertainment, so you may still see references to those names).
    • Visa Premium lifestyle offers. Visa Platinum cards provide you with access to a variety of exclusive global discounts and offers, ranging from luxury spa retreats to romantic seaside adventures.
    • Visa Premium travel services. Access special offers and discounts for hotels and travel experiences worldwide.
    • Global Customer Assistance. Whether you’re at home or out trotting the globe, Global Customer Assistance provides 24/7 support in case you lose your card and need a card replacement or emergency cash.
    • Other Visa features. As with any Visa credit card, a platinum product will also include features such as worldwide acceptance, Zero Liability Policy in case of fraud and payWave for the ease of cashless payments.

Tip: Save time by asking the concierge for help

If you're looking for a particular type of offer or perk and don't have time to search for it on Visa's website, it's worth asking the concierge for help. Below are details of the relevant numbers to call:

  • Visa concierge (Australia): 1800 639 607
  • ANZ: 1300 580 765 (personal cards) or 1800 233 688 and Option 3 (business cards)
  • NAB Platinum: 1300 730 213 and Option 3 (personal cards) or 1300 496 080 and Option 3 (commercial)
  • NAB Signature: 1300 489 410 and Option 3 (personal cards) or1300 498 594 and Option 3 (commercial)
  • Westpac: 1300 859 100

You can also visit the Visa website for a full list of concierge contact numbers in Australia and overseas.

Other platinum credit card perks

As well as perks available directly through Visa, credit card providers may offer you a mix of the following premium perks:

  • More rewards potential. A platinum rewards or frequent flyer credit card will typically offer you either a higher rate of points per $1 spent or a higher points cap compared to standard cards. This could help you earn more rewards, particularly if you spend a lot on your credit card.
  • Airport lounge access. Some platinum Visa credit cards offer complimentary airport lounge invitations or global lounge access through Qantas, Virgin Australia or a lounge partner such as Priority Pass or Véloce.
  • Complimentary travel insurance. This can range from comprehensive cover for overseas trips to interstate flight or hotel cover, transit accident insurance and even car rental excess insurance.
  • Complimentary purchase insurance. This could include purchase protection insurance against loss, theft or accidental damage, as well as extended warranty cover or a price guarantee on eligible purchases.

What else do I need to think about when looking at Visa Platinum credit cards?

The benefits, rewards and privileges you can get with a Visa Platinum card are only really worth it if they offer you more value than what you pay for the card. This makes it important to choose a card that will fit with your goals and spending patterns. So, the other features you'll need to compare include:

  • Rewards. If you're looking at rewards cards, think about what type of points you'll earn and the ways you can redeem them to decide whether you'll get value out of the program.
  • Interest rates. Platinum cards generally charge higher interest rates than regular cards. So, if you don't pay off your balance by the due date on each statement, these costs could quickly add up.
  • Annual fee. This is also usually higher among premium cards, which means the perks will only be worth it if you think you will realistically use them every 12 months.
  • Credit limit. Platinum cards may have offer higher minimum credit limits than standard cards. So ask yourself whether a higher limit would be useful, or whether it could tempt you to overspend.
  • Eligibility criteria. A platinum credit card may require a higher minimum income than regular cards, although not all providers lists these details as part of the application requirements.

While Visa Platinum credit cards can offer a little extra luxury, it’s important to also consider the potential costs they can attract. As with all cards, make sure you thoroughly research and compare your options before deciding if a Visa Platinum card will fit with your goals.

Compare Visa Platinum credit cards

Updated December 7th, 2019
$
% p.a.
Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount saved
0% p.a. for 13 months
0% for 13 months, reverts to 21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
0% p.a. for 6 months
19.74% p.a.
$99 p.a.
Get $400 e-gift card when you spend $3,000 on eligible purchases within 90 days of card approval. Plus, complimentary travel insurance.
0% p.a. for 6 months
19.74% p.a.
$99 p.a.
Get a $400 e-gift card when you spend $3,000 on eligible purchases within 90 days of card approval. Plus, complimentary insurance covers.
0% for 15 months, reverts to 12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. purchase rate for 15 months, a reduced annual fee for the first year and complimentary travel insurance.
0% for 15 months, reverts to 12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers an interest-free purchase promotion, a discounted annual fee of $49 for the first year and complimentary travel insurance.
0% p.a. for 6 months
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas points per $1 spent.
0% p.a. for 9 months
0% for 9 months, reverts to 14.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
0% p.a. for 6 months
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
0% p.a. for 15 months with 1% balance transfer fee
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
80k bonus Citi reward Points when you spend $3,000 in 90 days and 40k the second year, up to 120,000 total. 120k Points = 48k Velocity Points.
0% p.a. for 6 months
19.74% p.a.
$99 p.a.
Receive a $400 e-gift gard when you spend $3,000 on eligible purchases within 90 days of card approval. Plus, complimentary travel insurance.
0% p.a. for 6 months
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
0% p.a. for 26 months with 1.5% balance transfer fee
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent and take advantage of a 0% p.a. for 26 month balance transfer offer and a discounted $49 first year annual fee.

Compare up to 4 providers

Image: Shutterstock

Back to top
Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

31 Responses

  1. Default Gravatar
    MohammedSeptember 7, 2015

    Hi, i planned to travel using connecting flights which takes me to my destination after 19 hours. Thanks to VISA Platinum for offering me around 5% discount on my ticket purchases. Now i have a question, how can i benefit being a Visa card holder at the airport lounge? Is there any facility providing for the holder at the terminals? Specially in Abu Dhabi? Waiting for the response at the earliest.
    thanks in advance.

    • Default Gravatar
      ElaineFebruary 4, 2016

      I am a visa platinum holder with Westpac and will be travelling soon to the UK and Europe. Could you tell me what travel insurance I will have with my platinum card.
      Thank you,
      Elaine

    • Avatarfinder Customer Care
      ArraFebruary 5, 2016Staff

      Hi Elaine,

      Thanks for your inquiry.

      Please refer to our Westpac Credit Card Insurance Policy Guide to find out which of these complimentary insurance policies you can take advantage of as a Westpac platinum credit card holder.

      I hope this has helped.

      Cheers,
      Arra

    • Avatarfinder Customer Care
      JonathanSeptember 8, 2015Staff

      Hi Mohammed, thanks for your inquiry!

      Not all Visa cardholders can benefit from free access to airport lounges. To allow me to assist you further could you please state which credit card you are using? Please see this page for the list credit cards with this complimentary access.

      Cheers,

      Jonathan

    • Default Gravatar
      MohammedSeptember 8, 2015

      Hi Jonathan and thanks for your swift response.
      i have Visa Platinum (HSBC logo issued by SABB) and also Master Platinum. Thanks

    • Avatarfinder Customer Care
      JonathanSeptember 9, 2015Staff

      Hi Mohammed, thanks for your inquiry!

      Unfortunately HSBC Platinum does not offer any complimentary airport lounge passes. Please refer to this page for credit cards with complimentary lounge access.

      Cheers,

      Jonathan

    • Default Gravatar
      MohammedSeptember 9, 2015

      OK Thanks Jonathan.

  2. Default Gravatar
    GennyAugust 31, 2015

    Hi, I have a nab qantas platinum visa card and am about to travel interstate where I will be hiring a car. Does my card offer me any benefits or rewards in regards to the cost of hire or insurance when booking my hire car.

    thanks, Genny

    • Avatarfinder Customer Care
      JonathanSeptember 1, 2015Staff

      Hi Genny, thanks for your inquiry!

      Rental Vehicle Excess cover $1,250 per interstate journey. Rewards points can be earned on eligible purchases. As a result you can earn reward points in making eligible purchases to be covered by this insurance policy. Please refer to page 49 of the PDF I have sent to your email for the full terms of this insurance cover.

      Cheers,

      Jonathan

  3. Default Gravatar
    MickSeptember 1, 2014

    We have recently purchased with our Suncorp Platinum Visa Card an overseas family holiday. Please send me a link explaining what we are covered for in regards to travel insurance incorporated into this Visa purchase. Thank you

    • Avatarfinder Customer Care
      ShirleySeptember 2, 2014Staff

      Hi Mick,

      Thanks for your question.

      Please check your inbox, I’ve emailed the document to you.

      Cheers,
      Shirley

  4. Default Gravatar
    brianJuly 1, 2014

    Does Visa travel insurance cover air travel in Australia?

    • Avatarfinder Customer Care
      ShirleyJuly 2, 2014Staff

      Hi Brian,

      Thanks for your question.

      Which card are you specifically referring to? I can check the PDS for you.

      Cheers,
      Shirley

  5. Default Gravatar
    shaneMay 13, 2014

    i have heard that if i pay for a car rental with my platinum visa issued by NAB that i do not have to pay to bring down my insurance excess. is that correct and can i rent a care from any rent a car company in the Gold Coast?
    Regards
    Shane

    • Avatarfinder Customer Care
      ShirleyMay 14, 2014Staff

      Hi Shane,

      Thanks for your question.

      In the terms and conditions it states that “in the event of a loss or damage to a rental vehicle which was rented by you during the rental period. We will reimburse you up to maximum of $1,250 per interstate journey for any excess or deductible, which you become legally liable to pay”.

      Please be mindful that only some types of cards are eligible, so you may want to have a read through the PDS to ensure your rental vehicle is covered.

      Cheers,
      Shirley

  6. Default Gravatar
    JulianneMay 1, 2014

    i have been told that if you purchase electrical goods with your Platinum Visa, the usual manufacturers warranty is extended by a year. i s this correct and how do you get something repaired under it.

    Thanks

    • Avatarfinder Customer Care
      ShirleyMay 2, 2014Staff

      Hi Julianne,

      Thanks for your question.

      This depends on the manufacturer’s warranty when you purchase the goods and where you have bought the goods. Please see this page for more information – it’s important to specifically check the terms and conditions of your own credit card as well.

      Cheers,
      Shirley

    • Default Gravatar
      NageshFebruary 3, 2015

      Is their any travel insurance for Indian resident holding visa card

    • Avatarfinder Customer Care
      ElizabethFebruary 3, 2015Staff

      Hi Nagesh,

      Thanks for your question.

      You can have a look at the providers that accept applications from temporary residents on this page. You can then look at this page to see the cards these providers offer that have complimentary insurance. Make sure you check the eligibility criteria of the card you’re thinking of applying for by clicking ‘more info’.

      You can also consider standalone travel insurance policies for non-residents on this page.

      I hope this has helped.

      Thanks,

      Elizabeth

  7. Default Gravatar
    MaxMarch 11, 2014

    Qantas Lounge web says that transiting pax can access Qantas Lounges by showing flight tickets and Visa Platinum Credit cards.

    (We have a 6 hour layover in Bris. after coming from US (With Qantas) arriving 5 a.m before flying on to Fraser Coast with Qantas.)

    Can you confirm this please.

    • Avatarfinder Customer Care
      JacobMarch 11, 2014Staff

      Hi, Max.

      Thanks for getting in touch with us.

      I had a chat with Qantas and they said that holding a Visa Platinum Card does not give you access to the Qantas Club. You need to be a Qantas Club member to access this lounge. I’d be keen to find out where you read otherwise. My understanding is that you have to have Platinum One, Platinum, Gold Frequent Flyer Qantas membership status, an Emirates Platinum or Gold Skyward Member, have Emerald or Sapphire oneworld status or be an international First or international Business oneworld customer.

      I hope this helps.

  8. Default Gravatar
    ValerieJune 20, 2013

    I am a Platinum card holder with NAB and will be travelling soon with my two small children. I was wondering if you could tell me what travel and/or health insurance I may be eligible for. A friend also thought that Platinum card holders were given access to certain airport lounges. Is this true? And if so which ones?
    Thank you.

    • Default Gravatar
      MaxMarch 11, 2014

      Hi…Where can I access details ‘Meet and Greet’ (Platinum Travel Services.)

      Would like some help Los Angeles Airport through Baggage..Customs..Immigration and then rechecking baggage… Time is of the essence.

    • Avatarfinder Customer Care
      JacobMarch 11, 2014Staff

      Hi, Max.

      I’m going to send some information about how to book this service to your email.

      Regards.

      Jacob.

    • Avatarfinder Customer Care
      JacobJune 20, 2013Staff

      Hi Valerie. Thanks for your question. The complimentary international travel insurance benefit is offered with NAB Premium credit cards, NAB Qantas Plus Card and NAB flybuys Rewards card – they changed the names of the cards and ‘premium’ now replaces ‘platinum’. I have sent information about the policy to your email. It covers a range of overseas events. Please note that there may be an excess if you make a claim. Currently there is no lounge access offered among the range of NAB credit cards. Jacob.

  9. Default Gravatar
    GhanbarApril 17, 2013

    I’m travelling with my family to the USA and Canada and I have purchased the tickets with my platinum credit card. Could you please give details about the kind of medical insurance I and my family get and other travel insurance cover, afforded under this card.

    • Avatarfinder Customer Care
      JacobApril 17, 2013Staff

      Hi Ghanbar. Thanks for your question. Who is the card issuer? We will need to know how the card is issued by before we can provide details about the insurances and benefits. Visa is the card issuer, but who is the card issuer? Jacob.

  10. Default Gravatar
    maryMarch 14, 2013

    Do I have to apply for travel insurance or is it automatic. Do I need additional travel insurance – travelling to France.

    • Avatarfinder Customer Care
      JacobMarch 15, 2013Staff

      Hi Mary. If you check the terms and conditions of your complimentary travel insurance (found online) – there will be a section outlining eligibility or activation of cover, this is where you will find the things you need to do in order to be covered. If you follow these criterion, the cover is automatic. Thanks.

Credit Cards Comparison

Updated December 7th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.

Compare up to 4 providers

* 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.

Ask a question
Go to site