Credit Card Feature: Concierge Services

Information verified correct on February 12th, 2016
Concierge service

A concierge service offers cardholders a range of assistance for their special requests including entertainment, travel, shopping and executive services.

Credit card concierge services are fairly standard on most premium and platinum credit cards. These allow the cardholder to access a personalised service in their own language, at any time of the day or night anywhere in the world.

Compare Credit Cards with Concierge Service

Rates last updated February 12th, 2016.

Commonwealth Bank Diamond Awards Credit Card

Bonus points offer has been extended until 14 April 2016.

February 1st, 2016

Citi Simplicity Card

0% for 6 months balance transfer offer has been extended until 31 March 2016

February 8th, 2016

Bank of Melbourne Amplify Signature

0% purchase offer removed while balance transfer offer has been extended until 30 March 2016.

February 12th, 2016

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Jonathan Choi Jonathan
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers of 0% p.a. for 20 months with a low annual fee.
6 months VISA/MC: 0 AMEX: 0 12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive 0% p.a. for 12 months on purchases, 0% p.a. for 6 months balance transfers and a reduced flight offer up to four times a year.
VISA/MC: 1 AMEX: 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info
American Express Platinum Edge Credit Card
Get access to the concierge service and also receive a complimentary Virgin Australia domestic economy return flight every year.
6 months 10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
St.George Amplify Platinum
This card features a balance transfer rate of 0% p.a. for 18 months and a low annual fee.
3 months VISA/MC: 1 AMEX: 0 19.49% p.a. 0% p.a. for 18 months $99 p.a. Go to site More info
ANZ Platinum Credit Card
Need to book a dinner table at late notice - the ANZ Concierge could help.
6 months VISA/MC: 0 AMEX: 0 19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Platinum
Take advantage of a low balance transfer offer of 0% p.a. for 18 months and 24/7 concierge service, all for a low annual fee.
3 months VISA/MC: 1 AMEX: 0 19.49% p.a. 0% p.a. for 18 months $99 p.a. Go to site More info
Bank of Melbourne Amplify Signature
Take advantage of travel benefits plus an offer of 0% p.a. for 20 months on balance transfers.
6 months VISA/MC: 1.5 AMEX: 0 19.49% p.a. 0% p.a. for 20 months $279 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a 0% p.a. interest for 20 months on balance transfers, complimentary insurances and 24/7 concierge.
6 months VISA/MC: 0 AMEX: 0 12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
BankSA Vertigo Platinum
Take advantage of the annual fee on the first year offer by applying on or before 30 March 2016. Also enjoy its low interest rate on balance transfers and purchases.
6 months VISA/MC: 0 AMEX: 0 12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and meet the spend criteria plus earn up to 2.5 Awards points per dollar spent, complimentary international travel insurance and 24/7 concierge service.
6 months 80,000 bonus points VISA/MC: 1 AMEX: 2.5 20.24% p.a. 5.99% p.a. for 5 months $249 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 14 months and also earn 10,000 bonus Velocity Points when you spend $5,000 or more within the first 3 months.
10,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
20.99% p.a. $0 p.a. Go to site More info
NAB Velocity Rewards Premium Card
4.99% p.a. on balance transfers for 6 months and 60,000 bonus Velocity Points when you make an everyday purchase. You gain both Visa and American Express cards which are linked to one single account and annual fee.
6 months 60,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. 4.99% p.a. for 6 months $150 p.a. Go to site More info
BankSA Amplify Platinum
Enjoy a generous earn rate, plus the ability to tailor your rewards with your choice of rewards programs.
3 months 1 19.49% p.a. 0% p.a. for 18 months $99 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum benefits offering complimentary insurances, 24/7 concierge, balance transfer offer of 0% p.a. for 16 months with $0 annual fee for the first year.
6 months VISA/MC: 0 AMEX: 0 19.84% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
BankSA Amplify Signature
Enjoy a long term balance transfer offer of 0% p.a. for 20 months.
6 months VISA/MC: 1.5 AMEX: 0 19.49% p.a. 0% p.a. for 20 months $279 p.a. Go to site More info
Citi Simplicity Card
Enjoy 5% cashback (up to $500) on your payWave purchases under $100 made for the first four months, a low balance transfer offer and no annual fee, plus enjoy free bottles of wine from Citibank Dining Program. Offer ends on 31 March 2016.
0 months VISA/MC: 0 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
Commonwealth Bank Diamond Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and spend $1,000 on eligible purchases and earn up to 3 Awards points per $1 spent.
12 months 80,000 bonus points VISA/MC: 1.25 AMEX: 3 20.24% p.a. 5.99% p.a. for 5 months $349 p.a. Go to site More info
Emirates Citi World MasterCard
Access round-the-clock global concierge service and get access to the Citibank Dining Program.
6 months 40,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
NAB flybuys Rewards Card
Receive up to 30,000 bonus flybuys points for eligible purchases. Plus a low offer on balance transfers. Apply by 30 April 2016.
6 months 30,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 4.99% p.a. for 6 months $95 p.a. Go to site More info

What is a credit card concierge service?

Generally, a concierge service is a complimentary benefit offered by your credit card provider to handle your requests. Usually they are available 24 hours a day, seven days a week and are available by calling a phone number provided by your credit card provider.

How does a credit card concierge service work?

First, you need to ensure that your credit card comes with a concierge service. Upon application, you will know whether you have this feature or not. If you do, your credit card provider would have provided you with a list of phone numbers you can contact in order to make your requests. You will be informed of the costs and options if there are any before booking or making a purchase that you request. The concierge will not incur any costs on your unless you’ve approved. Some high-tier concierge services also come with an app, letting you put your requests in writing as you go. Your concierge will notify you about the details of request, such as the time it will take for your items to be delivered or the details of your restaurant reservation. If your request will take awhile to complete, your concierge will give you date and time as to when it will be finished.

What are the types of credit card concierge services?

There are a few types of credit card concierge services dedicated to your particular credit card. Depending on what level your credit card is, the number of concierge services available to you could be different. For example, American Express has a rewards concierge available exclusively to eligible American Express credit cards.

  • Platinum concierge. This is the standard concierge service to cover all types of personal assistance including flight information, sourcing, purchasing and delivery of tickets for a show, concert or sporting event, providing details of events and shows in your city, hotel and travel information as well as reservations for restaurants. These services are on a referral or arrangement basis and any third party expenses will be the cardholder’s responsibility.
  • Rewards concierge. A rewards concierge offers certain cardmembers a personal concierge service using their membership rewards points if applicable. Rewards concierges can organise your requests by spending your rewards points.

Westpac Concierge

How to compare credit card concierge services

In most cases, the credit card holder will not be able to choose the type of concierge service that comes with their card. Here are some things that your concierge should be providing:

  • Lifestyle services - This should cover all types of personal assistance and lifestyle requests not limited to but including; car rental, limousine and car service information, mail and fax packages, holiday house information, shopping location information, floral arrangements, party planning, arrangement for hairstylists, fitness trainers as well as stress relief massages.
  • Charges - All concierge services should provide you with detailed information of any costs with your request. You are not charged for the research performed by a Westpac concierge. As the cardholder, you are responsible for the following; cost and delivery of the goods and services purchased, any deposits you’ve put down for the item, costs of cancellation, custom duties and any other costs incurred to fulfil your request.
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Pros and cons of credit card concierge services

Pros

  • They can be used to organise events that you don’t have the time to sort out yourself, or that you are not sure how to sort out yourself. You may need to track down some special item but are not really sure where to start. Alternatively, you may be in unfamiliar territory – on a holiday or a business trip, and not know where to look to find something locally.
  • Credit card concierge services can also be used for less obvious purposes. Many cardholders call and ask for gift ideas, to check on a flight, to arrange for new travel documents such as passports and travellers cheques to be replaced if they have been lost or stolen. It may be as simple as getting directions around a strange city.
  • If you do fancy a night out at a popular and busy restaurant, you may be better off leaving that to a credit card concierge service because they have good relationships with such establishments. For example, the American Express concierge service has agreements with over 1,200 restaurants around the world.
  • Calling a Credit card concierge services allows you to speak to a human straight away, and you can leave your request with them.

Cons

  • High annual fee - Most credit cards that have a complimentary concierge service usually come with a high annual fee, as this feature is normally available with high end credit cards.

Things to avoid about credit card concierge services

    • Ignoring your financial situation - A concierge service shouldn’t be the only factor in deciding which credit card is most suitable for you. While this feature is handy, you pay for it within your high annual fee. Concierge services are designed for those who don’t have enough time to do their requests themselves.
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Frequently asked questions about credit card concierge services

What are the fees for using a credit card concierge service?

While there is no fee for using the concierge service, any other fees incurred is payable by you, such as the purchase and delivery of the item you’ve requested.

Where can I find credit cards with a concierge service?

Credit card concierge services are fairly standard on most premium and platinum credit cards. Please use the comparison below to help you in your search.

Shirley Liu

Shirley is a personal finance journalist for finder.com.au. She is passionate about educating readers about home loans and helping users navigate the area to find the best deal for their financial situation.

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Credit Cards Comparison

Rates last updated February 12th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers of 0% p.a. for 20 months with a low annual fee.
6 months VISA/MC: 0 AMEX: 0 12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a balance transfer offer of 0% for 24 months. Apply by 30 April 2016.
VISA/MC: 0 AMEX: 0 13.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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