Gold & Platinum Credit Cards

Updated 12 May 2022

Platinum and gold credit cards are top-tier cards with all the bells and whistles you could want. As well as rewards on your spending and higher credit limits, platinum cards come with added perks like 24/7 concierge services, discounts with partnering businesses and even free wine. Some top-tier cards come with slightly higher fees, so make sure you compare cards to find one with the features you want and a price tag that suits.

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Are Gold and Platinum cards a good choice for you?

Gold and Platinum credit cards are premium credit cards designed for people with higher incomes. They usually offer a higher credit limit as well as more attractive bonus features and better reward packages.

Top-tier cards generally come with a higher rate of interest and higher fees, finely balanced with perks to make it worth the slightly higher costs of the card.

How do I 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 needs 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.

Pauline Hatch

Pauline Hatchis a personal finance expert at Creditcard.com.au with 8 years of finance writing under her belt. She loves turning complex money concepts into simple, practical actions so you can win financially. You can ask Pauline any questions by submitting a comment below and get a personal reply.

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24 questions (showing the latest 10 Q&As)

Matt

Matt

20 December 2021
Hi, I'm building a house and am required to make milestone payments at each stage. I'm wondering it it would be smarter for me to pay each milestone by credit card and obtain the rewards that come from that and then pay off the credit card balance immediately with my savings. Is there a card that I could get that has uncapped limits or anything up to $400K in Australia?
    Pauline - CreditCard.com.au

    Pauline

    20 December 2021
    Hi Matt, what you’ve described is very interesting. We mainly deal with consumer credit cards, but what you’ve mentioned sounds like it could be done with a charge card. Charge cards come with no pre-set credit limit, rather you must repay all the money you have spent in that statement period in full. However your transactions are approved according to income, credit, repayment history and spending patterns. Of course this isn’t personal advice so you should seek your own advice before deciding to go down this route. Let us know how you go!. Thanks for asking such an interesting question.
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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