Gold & Platinum Credit Cards

Updated 29 August 2019

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.

6 reviews

Apply by 31 Jan 20

More info
points earned over 12 months
1 point
16.77% Complete (success)
Citi Rewards
150,000
points
16.77% Complete (success)
Citi Rewards
$700
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

31 reviews

Apply by 2 Dec 19

More info
points earned over 12 months
1 point
16.77% Complete (success)
Velocity Frequent Flyer
100,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$289
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

5 reviews

Apply by 31 Jan 20

More info
points earned over 12 months
1.5 points
16.77% Complete (success)
Citi Rewards
120,000
points
16.77% Complete (success)
Citi Rewards
$199
first year
16.77% Complete (success)
then $395 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

3 reviews

Apply by 2 Oct 19

More info
points earned over 12 months
1.5 points
16.77% Complete (success)
Amplify Rewards
200,000
points
16.77% Complete (success)
Amplify Rewards
$179
first year
16.77% Complete (success)
then $279 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

4 reviews
More info
points earned over 12 months
0.75 points
16.77% Complete (success)
Qantas Frequent Flyer
50,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$295
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

6 reviews
More info
points earned over 12 months
1.5 points
16.77% Complete (success)
ANZ Rewards
50,000
points
16.77% Complete (success)
ANZ Rewards
$95
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 15 Oct 19

More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
60,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$200
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
1 point
16.77% Complete (success)
Citi Rewards
N/A
-1% Complete (success)
Citi Rewards
$49
first year
16.77% Complete (success)
then $149 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
1 point
16.77% Complete (success)
NAB Rewards
60,000
points
16.77% Complete (success)
NAB Rewards
$195
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
0.75 points
16.77% Complete (success)
NAB Rewards
30,000
points
16.77% Complete (success)
NAB Rewards
$95
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

7 reviews

Apply by 2 Dec 19

More info
points earned over 12 months
0.66 points
16.77% Complete (success)
Velocity Frequent Flyer
N/A
-1% Complete (success)
Velocity Frequent Flyer
$64
first year
16.77% Complete (success)
then $129 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

29 reviews
More info
points earned over 12 months
N/A
16.77% Complete (success)
N/A
-1% Complete (success)
$0
first year
16.77% Complete (success)
then $87 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 31 Jan 20

More info
points earned over 12 months
1 point
16.77% Complete (success)
Citi Rewards
120,000*
points
16.77% Complete (success)
Citi Rewards
$49
first year
16.77% Complete (success)
then $149 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
1.25 points
16.77% Complete (success)
NAB Rewards
120,000
points
16.77% Complete (success)
NAB Rewards
$295
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 2 Oct 19

More info
points earned over 12 months
0.75 points
16.77% Complete (success)
Qantas Frequent Flyer
90,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$179
first year
16.77% Complete (success)
then $279 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

11 reviews

Apply by 31 Dec 19

More info
points earned over 12 months
1 point
16.77% Complete (success)
Qantas Frequent Flyer
N/A
-1% Complete (success)
Qantas Frequent Flyer
$0
first year
16.77% Complete (success)
then $79 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

14 reviews

Apply by 15 Oct 19

More info
points earned over 12 months
1 point
16.77% Complete (success)
Altitude Rewards
60,000
points
16.77% Complete (success)
Altitude Rewards
$150
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

24 reviews

Apply by 30 Nov 19

More info
points earned over 12 months
1 point
16.77% Complete (success)
Citi Rewards
N/A
-1% Complete (success)
Citi Rewards
$0
first year
16.77% Complete (success)
then $199 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
2 points
16.77% Complete (success)
ANZ Rewards
100,000
points
16.77% Complete (success)
ANZ Rewards
$375
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

10 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Qantas Frequent Flyer
100,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$425
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 15 Oct 19

More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Velocity Frequent Flyer
60,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$200
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

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.

Recently Asked Questions

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23 questions (showing the latest 10 Q&As)

DENNIS S POPLE

DENNIS S POPLE

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 - CreditCard.com.au Founder

    Roland

    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.
Gavin

Gavin

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 - CreditCard.com.au Founder

    Roland

    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.
mark

mark

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

    Roland

    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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