Visa Platinum Benefits

Luxury hotel stays, more rewards, exclusive offers and a 24/7 concierge service could be at your fingertips with a Visa Platinum card.

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While all Visa credit cards include features such as global acceptance and support for lost or stolen cards, Visa Platinum cards offer you even more premium perks and benefits. A Visa Platinum card could give you more points per $1 spent, access to pre-sale ticket offers or even hotel upgrades (among other things).

Keep in mind that platinum credit cards usually have higher annual fees than classic or basic cards, so make sure you'd get enough value out of the card before you apply. If you're wondering 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 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).
  • 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.
  • Travel services. Access special offers and discounts for hotels and travel experiences worldwide.
  • Visa Luxury Hotel Collection. Use your Australian-issued Visa Platinum card to book accommodation through www.visaluxuryhotels.com and get access to exclusive benefits including a best-rate guarantee. Other perks vary by hotel and availability but could include complimentary room upgrades, complimentary Wi-Fi in your room and food or beverage credit.
  • 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)
  • Westpac: 1300 791 188 (BusinessChoice Rewards Platinum)

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.

Compare Visa Platinum credit cards

$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
HSBC Platinum Credit Card
0% p.a. for 36 months
19.99% p.a.
$29 annual fee for the first year ($129 p.a. thereafter)
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
ANZ Platinum Credit Card
20.24% p.a.
0% p.a. for 17 months, reverts to 20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
St.George Amplify Platinum
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Receive 80,000 bonus Amplify Points (worth $350 in eGift cards) when you spend $3,000 in the first 90 days. Plus, a 0% balance transfer offer.
St.George Amplify Platinum - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months with a 1% BT fee.
Bank of Melbourne Amplify Platinum - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Get 60,000 bonus Qantas Points when you spend $3,000 within the first 90 days.
BankSA Amplify Platinum
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Earn 80,000 bonus Amplify Points (worth $350 in eGift cards) when you spend $3,000 in the first 90 days.
BankSA Amplify Platinum - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Receive 60,000 bonus Qantas Points when you spend $3,000 within the first 90 days from card approval.
St.George Vertigo Platinum - Cashback Offer
6.99% p.a. for 12 months
12.99% p.a.
$99
Get $300 cashback when you spend at least $900 in the first 90 days. Plus, platinum perks and a low purchase rate. Ends 30 June 2021.
BankSA Vertigo Platinum - Cashback Offer
6.99% p.a. for 12 months
12.99% p.a.
$99
Enjoy a $300 cashback when you spend at least $900 in the first 90 days. Plus, a low ongoing purchase interest rate. Ends 30 June 2021.
Bank of Melbourne Vertigo Platinum - Cashback Offer
6.99% p.a. for 12 months
12.99% p.a.
$99
Get $300 cashback when you spend at least $900 in the first 90 days. Plus, a low ongoing purchase interest rate. Ends 30 June 2021.
Bank of Melbourne Amplify Platinum
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Get 80,000 bonus Amplify points (worth $350 in eGift cards) when you spend $3,000 in the first 90 days.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 26 months
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. on balance transfers for 26 months, a reduced 1st year annual fee & $129 Virgin Australia Gift Voucher yearly.
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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 extra costs. As with all cards, make sure you compare your options before deciding if a Visa Platinum card is right for you.

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31 Responses

    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.

      Your Westpac Platinum card includes a complimentary travel insurance and should meet the following eligibility requirements:

      – A resident in Australia, or you currently reside in Australia and hold a valid 457 Visa.
      – Spend $500 or more on travel costs (e.g. return travel ticket, airport or departure taxes, prepaid overseas accommodation or travel itinerary items) before departing Australia, and charge these costs to your eligible Westpac credit card.
      – You have a return overseas travel ticket before leaving Australia.
      -You are not over 80 years of age when you first qualify for coverage by meeting the abovementioned three conditions.

      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.

      Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before you travel.

      I hope this helps.

      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, you may refer to our guide on credit cards free lounge access. Select ‘Go to Site’ to head over to their website. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

      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!

      While HSBC Platinum does not offer any airport lounge complimentary passes, you may refer to our comparison of credit cards that offers free airport lounge access and requirements you need to meet to get airport lounge access. Before you apply, make sure you carefully read over the eligibility requirements and terms and conditions and ensure you have organised the necessary documents before beginning the application.

      Cheers,
      Jonathan

      Default Gravatar
      MohammedSeptember 9, 2015

      OK Thanks Jonathan.

    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

    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

    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

    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

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