Gold Platinum
Interest Rate (p.a)
Balance Transfer (p.a)
Annual Fee
Interest Free Days

The Citibank Platinum Card offers all the superb service you’d expect from a platinum card. Cardholders also benefit from Citibank’s complimentary personalised rewards points program which offers reward points that never expire and can be redeemed for anything from merchandise, gift cards, school fees or even new furniture for your home.

20.74%
3.9%
$250
55 Days


The Citibank Gold Card has a great balance transfer rate of just 1.9% for 12 months. Cardholders also benefit from Citibank’s rewards program, which offers you a point for every $1 spent on the card.

20.74%
1.9%
$149
55 Days


The Citibank Emirates Card offers all the luxury, flexibility and ‘best in class’ benefits you’d expect from a platinum card. When flying Emirates, would you like one chauffeur driven ride to and from the airport, or perhaps a complimentary pass to an Emirates lounge at an Australian airport?

20.74%
1.9%
$229
55 Days


The Citibank Clear Platinum Card offers the superior service and security you’d expect from a platinum card with two superb rates. For purchases, there’s a low rate of just 11.49%. For balance transfers, Citibank offer a rate of 0% for six months.

11.49%
0%
$49
55 Days


The Bankwest More Gold MasterCard allows you to collect points quickly to benefit from thousands of rewards. Not only do you benefit from all the additional insurances and service offered by a gold card, but you can also earn points towards electronics and travel. And, new Bankwest customers will receive 10,000 bonus reward points just for activating their card.

18.24%
N/A%
$120
55 Days


If so, the Bankwest Zero Platinum MasterCard is for you. Benefit from a 24/7 concierge service, travel and purchase protection and a superb balance transfer rate of just 1.99% for 12 months, all without paying an annual fee. This card really does offer superb value.

15.99%
1.99%
$0
55 Days


The Bankwest Zero Gold MasterCard offers a terrific, low balance transfer rate of just 1.99% for 12 months. In addition, for no annual fee, cardholders benefit from all the superior service, additional insurance cover and security offered by a gold card.

15.99%
1.99%
$0
55 Days


With an ANZ Frequent Flyer Platinum card you have both an American Express and a Visa card linked to the same account. You benefit from two cards, one account, one credit limit and the potential to earn unlimited Frequent Flyer points. You will also benefit from 90-day Purchase security insurance and overseas travel and medical insurance.

19.49%
N/A%
$295
55 Days


With an ANZ Frequent Flyer Gold card you have both an American Express and a Visa card linked to the same account. You benefit from two cards, one account, one credit limit and the potential to earn unlimited Frequent Flyer points. You will also benefit from 90-day Purchase Security Insurance. This provides insurance against loss, theft or breakage over a range of new personal items when the purchase is charged to your ANZ Frequent Flyer Gold credit cards.

19.49%
N/A%
$195
55 Days


The ANZ Rewards Gold Visa Card awards points for every $1 spent on the card, so it is easy to build up rewards. You will also benefit from the superior service and security offered to gold cardholders, including access to special entertainment offers and commission free traveller’s cheques bought through an ANZ branch.

19.49%
N/A%
$129
44 Days


With an ANZ Gold credit card you will enjoy peace of mind with two tiers of insurance protection: overseas travel and medical Insurance and 90-day Purchase Security Insurance. Cardholders also benefit from double the manufacturer’s expressed Australian warranty on goods (by up to 12 months) when the entire purchase is charged to your ANZ Gold card.

18.99%
7.99%
$87
55 Days


The American Express Gold Card offers support, advice and security. As it is a Charge Card, you pay no interest as the account is paid in full each month. This allows you to forget about rising interest rates and benefit from complete financial freedom.

2.19%
9.88%
$99
68 Days


The American Express Platinum Credit Card offers outstanding benefits and rewards, including a 24/7 Platinum Priority service and a free domestic economy return flight or a night’s stay at a hotel every year. It also includes all the unparalleled service, support and security you’d expect from American Express.

19.99%
N/A%
$395
55 Days



Gold and Platinum Cards


Have you ever considered a gold or platinum credit card?

Originally, so-called ‘premium’ credit cards were the reserve of the rich and famous. However, gold and platinum credit cards have grown in appeal over recent years. They cost less than you may think, and you may be surprised how little you have to earn to qualify for such a card.

Gold and platinum cards offer a range of excellent benefits to cardholders. Our guide outlines the top four reasons to consider a platinum or gold credit card.

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.