Gold & Platinum Credit Cards

Updated 9 March 2020

If you want a credit card that gives you more, then a Gold or Platinum card may be the right choice for you. Offering features such as a higher credit limit and often insurance, concierge services, and access to rewards, these cards can be a great choice if you meet the minimum annual income requirements and are willing to pay a little extra in fees. With a wide range of Gold and Platinum credit cards on the market, it's important to research carefully to make sure you get the right benefits for you.

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Are Gold and Platinum Cards Suitable for you?

Gold and Platinum credit cards are premium credit cards offered to customers with higher incomes. They usually offer a higher credit limit as well as more attractive bonus features and better reward packages. They also generally come with a higher rate of interest and higher fees, but it’s usually designed to be a worthy trade-off provided the card features out-weigh or equal the costs.

How to Choose the Best Gold or Platinum Credit Card?

Gold and Platinum cards are all about the perks and the reward packages, so choosing the best one for you depends on your lifestyle. They may appeal to a high spender, a time-poor person, a frequent diner-out or someone considering the value of free purchase protection and travel insurance.

When shopping around consider the interest rates, annual fees, and a reward package that suits your need and how they impact the value that you receive.

Avoid the biggest mistakes

The biggest mistake with Gold and Platinum cards is choosing features that don’t offset the costs. You should choose a card that offers a range of benefits and features that you will most likely use and also give you value for money.

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23 questions (showing the latest 10 Q&As)



14 May 2017
my existing card is damaged and I would like to receive a replacement for this card. It does not expire until 06/18 The number is xxxxxxxxxxxxxxxx I do not want a new number just a new card with same number
    Roland B Bleyer - Founder


    15 May 2017
    Hi Dennis, you will need to contact the customer service for your bank directly to get a replacement card. I do not think that you can keep the same number if they send you out a new card but this may vary depending on your bank.


10 March 2017
Hi Roland. I'm wondering if the Citi Prestige or American Express Platinum cards come in metal? I've searched online for metal cards and it seems they are only available to Americans (e.g. the Chase cards). Do you know of any we can get here in Australia? Thanks!
    Roland B Bleyer - Founder


    13 March 2017
    Hi Gavin, I know the AMEX Black card is metal but this is invitation only after you have had an AMEX Platinum card for some time with good use. The Prestige card feels pretty nice but is not metal.


22 February 2017
what is best overseas insurance and low annual fee
    Roland B Bleyer - Founder


    23 February 2017
    Hi Mark, if you spend $6k or over on your card then its the HSBC Platinum card. Comes with overseas travel insurance plus annual fee is credited back if you spend the 6k.
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