Compare Platinum, Black & Gold Credit Cards Interest Rates
Compare platinum, black and gold level credit cards with extra features, airport lounge access, 24-hour concierge service, insurances and higher points earn rates for Qantas frequent Flyer and Virgin Velocity points.
[Receive a welcome bonus of 150, 000 Membership Rewards points when you apply online by 25 June 2024, are approved, and meet the minimum spend criteria of $5, 000 in the first 3 months. Available to new Card Members only.
Receive a $450 Platinum Travel Credit each year, which can be redeemed for eligible flights, hotels, car hire or unique experiences.
Transfer your points to a choice of 10 major Airline Reward Partner Programs including Qantas Frequent Flyer and Velocity Frequent Flyer
Complimentary access for you and a guest to over 1, 400 Airport lounges across 140 countries and counting.
Complimentary domestic and overseas travel insurance.
Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone when you pay for your smartphone with your Platinum Card, either outright or on a monthly contract., ]
[0% p.a. for 24 months on purchases and balance transfers, plus no annual fee for the first year. 3% balance transfer fee applies. New customers only. Limited time. Other fees, T&Cs apply.
Enjoy no foreign transaction fees on online or overseas purchases.
Plus, complimentary overseas travel insurance.
Android Pay, Google Pay, ]
[Receive 80, 000 bonus Amplify Points When you apply for a new Amplify Platinum credit card and spend at least $3, 000 on eligible purchases made with the card within 90 days of card approval.
0% p.a. interest on balance transfers for 15 months when requested at card application. 1% balance transfer fee applies if you make a balance transfer. The variable cash advance rate will apply after this promotional period. New cards only.
Apply by 30 November 2021.
Enjoy uncapped points earning potential and double points earned on international spend (overseas merchants).
Complimentary insurance covers if you pay for your travel costs with your Amplify Platinum card before you leave Australia, as set out in the policy.
24/7 Concierge.
Add an additional cardholder at no extra cost.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Earn up to 100, 000 bonus Amplify Points in year When you spend $3k+ on eligible purchases in the first 90 days from new card approval. (That can get you up to $450 in eGift cards<)
Plus, $49 card fee for the first year (reverts to $124), when requested at card application.
Apply between 7th November 2023 and 30th November 2024,
Complimentary insurance covers if you pay for your travel costs with your Amplify Platinum card before you leave Australia, as set out in the policy.
24/7 Concierge.
Add an additional cardholder at no extra cost.
Apple Pay, Google Pay, Samsung Pay, ]
[Earn 2 Qantas Frequent Flyer points for every $1 spent on Qantas products and services.
Earn 1 Qantas Frequent Flyer point for every $1 spent on eligible purchases..
Complimentary Qantas Frequent Flyer membership.
Complimentary overseas travel insurance.
Emergency Overseas Visa Cash Advance - US$175
4.99% p.a. on balance transfers and purchases for your first 5 months.
Up to 46 days interest free on purchases.
Free additional card holder.
24/7 worldwide Visa Platinum Concierge Service.
Access to Visa Platinum entertainment offers.
Minimum credit limit $1, 000.00, ]
[Receive 80, 000 bonus Amplify Points When you apply for a new Amplify Platinum credit card and spend at least $3, 000 on eligible purchases made with the card within 90 days of card approval.
0% p.a. interest on balance transfers for 15 months when requested at card application. 1% balance transfer fee applies if you make a balance transfer. The variable cash advance rate will apply after this promotional period. New cards only.
Apply by 28 September 2021.
Enjoy uncapped points earning potential and double points earned on international spend (overseas merchants).
Complimentary insurance covers if you pay for your travel costs with your Amplify Platinum card before you leave Australia, as set out in the policy.
24/7 Concierge.
Add an additional cardholder at no extra cost.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Earn 120, 000 Altitude Points when you spend $3, 000 on eligible purchases with a new Altitude Platinum credit card within 90 days of card approval. Exclusions apply.
0%p.a. for 22 months on balance transfers requested at card application. 1% BT fee applies.
Reduced first year annual card fee of $49 ($175 thereafter)*
Apply between 2nd November 2023 and 30th April 2024.
Platinum concierge service.
Complimentary insurance cover.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Get 0% p.a. interest on Balance Transfers for 12months (2% Balance Transfer Fee applies) and reduced annual fee of $0 first year, $149 thereafter.
Earn 1.5 Rewards Plus point per dollar for all other eligible purchases.
Rewards Plus points can be redeemed for e-gift cards from Bunnings, Coles, Woolworths, Uber and more
Enjoy 2 airport lounge passes every year at over 500 airports worldwide
Complimentary domestic and international travel insurance
Available when you apply for a new Platinum Credit Card. HSBC may change or end this offer at any time. Please see full terms and conditions below. Other fees and charges apply.
Apple Pay, Android Pay, Google Pay, ]
[0% p.a. for 14 months on balance transfers. Reverts to the variable cash advance rate
$0 annual fee for the first year saving $49
Now available on Apple Pay
Get cash back as Woolworths shopping cards
10% off your shop once a month on selected dates saving you up to $50 every month
Minimum credit limit $6, 000, ]
[Earn up to 50k Qantas Bonus Points when you spend $3000 on eligible purchases in the first 90 days and keep your card open for over 15 months. Limited time only. New customers only and you must not have opened a Bankwest Qantas Mastercard in the last 24 months. Other fees, T&Cs apply.
Earn 0.75 Qantas Point for every $1 up to $2, 500, 0.30 points per $1 after the first $2, 500 spent on eligible purchases each month.
No points cap.
No foreign transaction fees on online and overseas purchases***
Complimentary Credit Card Travel Insurance for you and your family~
Purchase security cover. 3 months of free insurance against loss, theft or accidental damage on personal goods purchased anywhere in the world.~
Android Pay, Google Pay, ]
[- Earn 1 Qantas Point for every $1 spent on eligible purchases, capped at 20, 000 Qantas Points per month
- Earn 1 additional Qantas Point for every $1 spent on selected Qantas products and services in Australia
- Annual 10, 000 bonus Qantas Points
- New cardholders will receive 50, 000 bonus Qantas Points when $5, 000 is spent on eligible purchases within 90 days of account opening
- Platinum Visa Concierge
- No joining fee for Qantas Frequent Flyer membership
- Add an additional cardholder at no extra cost
- Minimum credit limit : $6, 000
Apple Pay, Google Pay, Samsung Pay, ]
[Complimentary overseas travel insurance. (Terms, conditions, limits and exclusions apply. See the Travel Insurance Information Booklet for details.)
Earn 0.75 Qantas Points for every $1 spent
Earn one additional Qantas Point for every $1 spent on selected Qantas products and services in Australia
Monthly Qantas Points will be capped at 20, 000
A low $189 annual fee ($59 for an additional card)
Safe online purchasing with Visa Checkout
Access to Visa Platinum entertainment offers
Access to Apple Pay, Google Pay and Samsung Pay
Manage the way you transact with card controls
Place a temporary lock on your card the moment you think it might be lost or stolen
Create custom notifications to monitor your card activity
Pay for things using your card and enjoy up to 55 days to pay the amount back without interest.
Minimum Credit Limit $1, 000
Apple Pay, Android Pay, Google Pay, ]
[Earn up to $20 in gift cards when you spend $3, 100 per month on your Platinum card with Macquarie Rewards.
Up to 55 days interest free on purchases
Up to 4 additional cardholders with no annual fee.
Complimentary insurances, including International and Interstate Travel Insurance, Transport Accident, Purchase Security and Extended Warranty Insurance.
Complimentary 24/7 concierge service.
Visa payWave functionality.
Microchip for extra security.
Global acceptance of Visa.
Access to Visa Entertainment and Visa Platinum benefits.
Visit macquarie.com.au/cards for full details and terms and conditions., ]
[Earn 100, 000 bonus Q Rewards® points when you spend $4, 500 on Eligible Transactions in the first 3 months from card approval.
Take out a BOQ Platinum Visa Credit Card you\'ll receive 0% p.a. on balances transferred for up to 12 months.
Q Rewards program points allow you to fly any airline any time with Take Flight Cashback. Redeem points for eVouchers and cashback
2 Points for every dollar spent with Q Rewards.
Concierge service.
International travel insurance.
Higher levels of Purchase Cover Insurance.
Extended warranty.
Priority 24-hour customer service on a dedicated Platinum card enquiries line. Samsung Pay, ]
[Receive 120, 000 bonus Suncorp Credit Card Rewards Points when you spend $3, 000 on Eligible Transactions in the first 90 days from approval.
Apply by 29 May 2024.
To escape to a well deserved break with complimentary international travel insurance for you and your immediate family.
Complimentary Purchase Cover Insurance for lost, stolen or damaged goods.
Balance Transfer Offer
0% p.a. for 9 months on balance transfers.4 Reverts to cash advance rate. No interest free days are available on retail purchases while you have a balance transfer. Apple Pay, Samsung Pay, ]
[Earn 75, 000 bonus Qantas Points on your new ANZ Rewards Platinum credit card. Bonus Qantas Points earned when you spend $2, 500 on eligible purchases in the first 3 months from approval.*
Offer ongoing until further notice.
Up to 55 days interest free credit on purchases.
Interest rate of 20.49% p.a. on purchases and 21.99% p.a. on cash advances.
View balances, transfer money and make payments simply and easily with the ANZ App.
Apple Pay® and Google Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[180, 000 Reward Points with your new ANZ Rewards Black when you spend $3, 000 on eligible purchases in the first 3 months from approval.*
Offer ongoing until further notice.
Unlimited access to participating airport lounges outside Australia.
Personal Concierge can help you with travel planning, last minute travel advice, restaurant or hotel bookings, gift ideas, or even a recommendation on your next holiday.
View balances, transfer money and make payments simply and easily with the ANZ App.
Apple Pay® and Google Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.
Apple Pay, Android Pay, Google Pay, Samsung Pay
, ]
[Enjoy $0 Annual Card Fee (usually $195) in the first year when you apply online, and are approved. T&Cs apply. New Card Members only. Offer subject to change without notice
Earn up to 3 Membership Rewards points for every $1 spent.
Transfer your points to a choice of 11 airline partner programs.
Complimentary worldwide Travel Insurance.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Free Global Wi-Fi. Enjoy fast, premium quality Global Wi-Fi at more than 1 million hotspots worldwide.1
No annual fee.
No currency conversion fee.
No international transaction fees on purchases.
Minimum credit limit $1000
Late fee $35 Note: Effective from 10th April 2024, the late fee will increase from $35 to $45.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
All products with a link to a product provider’s website have a commercial marketing relationship between us and these providers. These products may appear prominently and first within the search tables regardless of their attributes and may include products marked as promoted, featured or sponsored. The link to a product provider’s website will allow you to get more information or apply for the product.
By de-selecting “Show online partners only” additional non-commercialised products may be displayed and re-sorted at the top of the table. For more information on how we’ve selected these “Sponsored”, “Featured” and “Promoted” products, the products we compare, how we make money, and other important information about our service, please click here.
What are Premium or gold/platinum and black credit cards?
There are stricter conditions if you are applying for premium gold/platinum and black cards. You will need a high level of annual income as well as an impeccable credit history to be approved for premium type cards. Applying for a premium credit card will open the doors to exclusive benefits including more reward points and complimentary extras. Premium cards are designed for people who spend a lot of money on plastic and have higher credit limits.
Beware, these types of cards often come with annual fees and higher interest rates than standard or regular cards.
Gold, black and platinum credit cards offer more perks and features than regular cards. These usually include higher credit limits, free insurance policies, rewards programs with better rates, better promotions, purchase protection and extended warranty policies.
Black credit cards are the most exclusive of these types of cards: with a black credit card you will receive superior perks and rewards.
Black credit cards offer a level of exclusivity that other cards do not possess. In order to be considered for a Black card you need to spend considerable amounts of money (in the tens of thousands of dollars) on the card throughout the year.
As stated, these perks do come at a cost so make sure to look at all annual fees and charges before deciding which premium credit card is right for you.
Gold and platinum credit cards carry status and benefits not usually available with standard cards. From frequent flyer points to insurance or concierge services, the rewards are typically dependent on how much you spend, and the cards often come with a higher annual fee.
We can help you find the rewards you want at a price that suits your budget. Simply use our comparison table to review the features, benefits and fees associated with different gold and platinum credit cards from a range of banks and credit unions.
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We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.
Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.
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For home loans, the base criteria include a $400,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.
*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.
Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.
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We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, and YourMortgageBroker Pty Ltd, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.
The information provided by InfoChoice.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.
Rates and product information should be confirmed with the relevant credit provider. For more information, read InfoChoice.com.au’s Financial Services and Credit Guide (FSCG).
