Gold & Platinum Credit Cards

Wondering about a gold or platinum credit card? While ‘premium’ credit cards were once a symbol of the rich and famous, in recent years the appeal of these higher class cards has become much more mainstream. With cheaper prices than ever before and lower earnings to qualify, the first-rate benefits from a platinum or gold credit card could easily save you more than enough to cover any slight increase in your annual fees. For more information check out our guide at the bottom of this page, outlining the top four reasons to consider a gold or platinum credit card.

gold platinum credit cards

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Gold and Platinum Card Features

 

Complimentary insurances

Most gold and platinum credit cards offer cardholders a range of complimentary insurance products. These vary from provider to provider but they typically include:

  • Travel insurance for you and your family

  • Purchase protection insurance

  • Extended warranty cover

  • Transit accident insurance

  • Lost card cover

Superior service

As well as offering a valuable range of complimentary insurance products with your credit card, gold and premium cards also generally offer enhanced levels of customer service.

It is not unusual for gold and platinum cards to offer a round the clock customer service helpline, wherever in the world you are, as well as a secure, easy to use internet banking service.

Platinum credit cards also often offer a 24/7 ‘personal concierge’ service. This means you have a dedicated concierge who will arrange concert tickets, restaurant reservations, book flights and accommodation or even just order flowers to be delivered on your behalf.

Low interest rates

Another main advantage of gold and platinum credit cards is that they can often offer lower interest rates for cardholders.

It is not unusual to see some of the most competitive balance transfer rates associated with premium credit cards. The fee for the card may be a little more than with a standard card, but the lower interest rate could really save you money.

Enhanced credit card rewards

Many credit card providers link their credit card rewards programs to their gold and platinum credit cards.

You will often find that you earn more rewards points per dollar that you spend on a gold or platinum card than you will on other sorts of credit cards. Some providers offer up to twice the number of rewards points per dollar on a platinum credit card than on the standard cards linked to the same rewards scheme.

We at Credit Card Rewards don't just compare rewards cards, but most Australian credit cards. Learn more about the great range of gold and platinum cards on offer by clicking the links above now.