Platinum Credit Cards

Premium features including complimentary travel insurance, more reward points and 24/7 concierge services set platinum credit cards apart from other options. Find out more about choosing the right platinum credit card here.

Platinum credit cards are credit cards with premium benefits and high spending limits. Traditionally aimed at only high-income customers, these cards can now be used by people on annual incomes starting from as low as $30,000. It is worth thinking carefully about whether a platinum credit card will suit your needs. Keep your financial goals and behaviours in mind.

Australian platinum credit cards are a higher prestige credit card that offers extra features and benefits as compared with classic (basic) and gold ranges. When you review a platinum credit card, you’ll notice a higher maximum credit limit than less prestigious cards. Some platinum credit cards list a maximum credit limit of $100,000, while some cards allow even higher than that. As well as this, platinum credit cards have high minimum credit limits — which can be a constraint for credit card users who wish to place lower limits on their cards.

Shop around for the most competitive deals on interest just be sure to read everything carefully as some cards offer low rates as introductory deals that jump up significantly after a short period of time. Find the latest platinum credit card offers below:

Sponsorship-American Express Explorer Credit Card-PlatGoldBlack-PE-32087

Platinum, Gold and Black Credit Card Offer

The American Express Explorer™ Credit Card offers new card members top-tier benefits, combining rewards points benefits, frequent flyer perks and premium features to improve your lifestyle.

  • 100,000 Membership Rewards Bonus Points when you apply online, are approved and spend $1,500 within the first 2 months of Card Membership.
  • Enjoy $400 Travel Credit and two complimentary airline lounge passes every year.
  • Earn up to 2 Membership Rewards points per $1 spent on eligible purchases.
  • Transfer your points to your choice of 8 Airline Rewards Partner Programs including Virgin Australia, Etihad Airways, Emirates and Air New Zealand.
  • Smartphone Screen Insurance for up to $500 for screen repairs to your smartphone with 10% excess per claim. Up to 2 claims per 12-month period.

    Platinum Credit Card Comparison

    Rates last updated October 26th, 2016.

    Citi Rewards Platinum Card - Cashback Offer

    $250 cashback offer has been extended until 17 February 2017.

    October 10th, 2016

    ANZ Low Rate Platinum Credit Card

    A new offer of $250 Back and 0% p.a. for the first 6 months on purchases.

    October 12th, 2016

    NAB Qantas Rewards Premium Card - Exclusive Offer

    Exclusive 75,000 bonus points when you spend $1,500 on everyday purchases in the first 90 days.

    October 24th, 2016

    View latest updates

    Jonathan Choi Jonathan
    Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
    American Express Explorer Credit Card
    Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
    2 100,000 bonus points $395 p.a. Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    0 1 $149 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
    0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    St.George Vertigo Platinum
    A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
    0 0 $99 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
    0 1 50,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
    ANZ Platinum Credit Card - Exclusive Offer
    Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
    0 0 $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    0 1 60,000 bonus points $199 p.a. Go to site More info
    Citi Rewards Credit Card - Platinum Card
    Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
    0 1.25 $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Also receive a complimentary Virgin Australia domestic economy return flight every year.

    1 0 10,000 bonus points $195 p.a. Go to site More info
    Bank of Melbourne Vertigo Platinum
    A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
    0 0 $99 p.a. Go to site More info
    American Express Velocity Platinum Card
    Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
    1 0 50,000 bonus points $349 p.a. Go to site More info
    ANZ Frequent Flyer Platinum
    Get 50,000 bonus Qantas Points after first eligible purchase is made within three months. Earn up to 1.5 Qantas Points per $1 spent on purchases.
    1.5 0.5 50,000 bonus points $295 p.a. Go to site More info
    ANZ Rewards Travel Adventures card
    Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
    2 1 $225 p.a. Go to site More info
    American Express Qantas Premium Card
    Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
    1 0 30,000 bonus points $249 p.a. Go to site More info
    Citi Rewards Platinum Card - Cashback Offer
    Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
    0 1.25 $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
    American Express Platinum Card
    Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
    1 0 100,000 bonus points $1,200 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    An interest-free period on both purchases and balance transfers.
    0 0.66 $129 p.a. Go to site More info
    Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
    Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
    0 1 30,000 bonus points $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
    ANZ Rewards Platinum
    Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also offering 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
    2 1 50,000 bonus points $95 p.a. Go to site More info
    American Express Qantas Ultimate Card
    Enjoy 50,000 bonus Qantas Points when you meet the minimum spend requirement and earn up to 3 Qantas Points for every $1 spent. Also enjoy a complimentary return flight every year.
    1 0 50,000 bonus points $450 p.a. Go to site More info

    The Best* Platinum Credit Cards Comparison

    Compare the features of the no annual platinum credit cards below.

    Credit Card
    American Express Explorer Credit CardGet up to 100,000 bonus points when you met the required spend. You’ll also get two complimentary airline passes per year and a $400 travel voucher.
     A platinum credit card offering from HSBC that rewards you with a annual fee refund if you meet the requirements needed.
     A Platinum credit cardfrom St.George that offers attractive sign up incentives.
    This platinum credit card from Citi gives you access to the Citibank dining program.

    Why you should choose a Platinum Credit Card

    The prestige and features of a platinum credit card can give you extra value if you spend regularly, travel frequently or use your credit card for additional perks. Platinum credit card features and benefits are a cut above those offered by classic (basic) or gold credit cards and often include:

    • Complimentary international travel insurance
    • Complimentary interstate flight inconvenience insurance
    • Transit accident insurance
    • Hire car insurance
    • Extended warranty cover
    • Purchase protection insurance
    • Best price guarantees
    • Complimentary airport lounge access
    • Higher points per $1 for reward programs
    • Higher points caps for reward programs
    • Higher credit limits

    While some standard and gold credit cards also offer extras such as complimentary insurance, it’s important to note that platinum credit card complimentary insurance usually offers greater coverage with lower excesses and is more likely to cover companions or family members.

    There are also several platinum credit cards that offer no foreign transaction fee, such as the Bankwest Zero Platinum. This platinum perk can save you huge amount of money if you use your credit card for travel or a lot of online purchases with international retailers.

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    How to compare Platinum Credit Cards

    Platinum credit cards are available through almost every issuer on the market, which makes it important to compare credit cards to find the right option for your lifestyle. A good place to start is by looking at the features that are similar across all credit cards (e.g. interest rates), and the features that are different (e.g. promotional interest rates, specific complimentary extras).

    To help you compare platinum credit cards, here’s a breakdown of the key similarities and differences within this premium credit card category.

    Features typically provided with a Platinum credit card

    • Lower purchase rates. This interest rate is applied to new transactions made on the card and the lower it is, the less money you will have to pay if you ever carry a balance.
    • Cash advance rate. Transactions such as ATM withdrawals are known as “cash advances”, and generally this is the highest interest rate on a card. The cash advance rate could also be applied at the end of the introductory period on a platinum balance transfer credit card. Make sure to check the fine print and remember that even the smallest difference in the percentage charged could save you money.
    • Interest-free days on purchases. If you pay your balance in full every month, you will have access to a set number of interest free days for each statement cycle. This feature gives you more flexibility to pay off your balance on your own terms without getting charged interest in the process.
    • Higher annual fees and waivers. Platinum credit card annual fees start from $87 to $350 or higher. There are also some platinum cards with no annual fee, and others that halve or waive the annual fee for the first year. So, making sure you know the ongoing annual fee rate before you choose a card can save you a lot of money in years to come.
    • Credit limits. Minimum credit limits for platinum credit cards start around $5,000 or $6,000 and maximum limits could be $50,000 or more, giving you flexibility to choose a credit limit that suits your spending habits.
    • Additional cardholders. This feature is great if you want to share your credit account with a partner or boost your reward points. Some platinum credit cards charge extra for supplementary cards, while others offer them free. If you think you will want to add a cardholder to your account then check the cost before applying to save money.
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    Differences between Platinum card offers

    Features such as promotional interest rates, rewards programs, travel benefits and complimentary extras vary significantly depending on the platinum credit card you are looking at, so it’s important to consider them separately based on your goals and needs. See the following benefits to find out what you are after in a Platinum credit card offer.

    Promotional interest rate offers

    • 0% purchase offers.0% purchase offer is great if you have planned purchases, such as a holiday, coming up. Ensure you know how many months you will have before the ongoing interest rate is applied and try to pay off the balance in that time so you can save money through this deal.
    • Balance transfer offers. If you need to consolidate a high interest debt, you could move your current credit card debt to a platinum credit card with a balance transfer offer and pay low or 0% interest during the introductory period. You shouldn’t use your card for spending while you’re repaying a debt, so this is something you’ll need to consider when comparing cards.

    Rewards points

    • Bonus points offers. Platinum reward credit cards may give new cardholders the opportunity to earn hundreds or thousands of bonus points when they activate their card and spend a certain amount of money in the first few months. Check out different offers and the requirements to get these points before you choose and apply for your card to take advantage of this offer.
    • Frequent flyer or rewards points. Some reward credit cards are directly linked to frequent flyer programs, such as Qantas Frequent Flyer or Virgin’s Velocity Rewards, and others let you transfer reward points into a wide range of frequent flyer programs or redeem them for cash, gift cards and more. Choose a card that offers the right kind of rewards for your goals will help you get the most value out of it.
    • Reward points earnings rate. Platinum reward credit cards usually offer a greater number of points per $1 spent when compared to standard or gold options,but it’s also important to know that the type of credit card you get also plays a part. In general, American Express credit cards earn the highest amount of points per dollar. Some reward credit cards come with both an American Express and a Visa or MasterCard to offer more payment acceptance and flexibility.
    • Uncapped / capped rewards points earnings. Some reward credit cards limit the number of points you can earn per month. You can figure out whether or not this cap will affect you by looking at your average monthly spending and the points you would earn to see how close you get to the cap.

    Travel benefits & Insurance

    • Platinum credit card complimentary insurances. The range of complimentary insurance options offered with a platinum credit card will vary, as will the particular policy details. So if you are interested in a particular type of insurance, check the fine print to make sure the card you choose will work for you.
    • Foreign transaction fees.
      • Overseas ATM Withdrawal Fee. Charged when you use your credit card to withdraw money from an ATM, this fee can be up to $5 per withdrawal.
      • Foreign Currency Conversion Fee. This charge could add between 1-3% to all transactions made on your credit card that aren’t in Australian dollars (i.e. when overseas or shopping with an international retailer online).
      • Overseas Cash Advance Fee. Withdrawing cash with your credit card when you are overseas could cost an extra $1 to $10 or 1%-4% of the total (whichever is higher), depending on the card.

    More Platinum card benefits

    • Concierge service. 24/7 concierge services are a popular feature of platinum credit cards and can help you with travel bookings, restaurant reservations, tickets to events and more. Check out articles and forums online to find out which concierge services are the best for each card.
    • Global support. If you lose your card or something else goes wrong overseas, a global support service will help you sort things out quickly. Make sure to have your provider’s contact details saved in your phone so that you’re prepared in the case of an emergency.
    • Lounge passes. Some platinum credit cards offer you the added luxury of airport lounge access when you travel. Check individual cards for specific details on who can use these passes and how many people will be allowed to go with you each time you fly.
    • Entertainment experiences.
      • MasterCard.MasterCard credit card offers a variety of dining, travel, retail and entertainment experiences and offers through MasterCard Privileges and Priceless Cities.
      • Visa Entertainment. If you get a Visa credit card, you can get exclusive access to presale tickets, movie offers and competitions when you sign up for Visa Entertainment online.
      • American Express invites. This complimentary program partners with Ticketmaster to give you a range of ticket offers for cinema, theatre, stadium events and dining experiences when you have an American Express credit card.
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    Things to consider before applying for a platinum credit card

    Choosing the right platinum credit card often comes down to your individual circumstances, so it’s important to consider the following three factors when you start your search:

    • How much you are spending per month. Ideally, you should get more value from the card than what you pay for it if it has an annual fee. This value could come through using complimentary extras such as insurance or through earning reward points and often the more you spend, the more potential value you will get from the card. For example, if you had a platinum credit card with a $200 annual fee and spent enough to earn reward points that would give you the equivalent to at least $200 in gift cards or airfares, then the card will be worth it.
    • Are you using all the available benefits/ does it suit your lifestyle? Platinum credit cards come loaded with benefits, but their value is only relevant if you actually use them. Complimentary travel insurance, for instance, will only save you money if you use it when travelling, so if you don’t travel much it might not be a relevant or value-adding feature.
    • Is the credit limit suitable for your current finances? A credit limit that is too low increases the risk of maxing out the card and having over limit charges applied, while a high credit limit can increase the risk of credit card debt. Look at the minimum and maximum credit limits to see whether or not a card will realistically suit your circumstances.

    What conditions do I need to meet to apply for a platinum credit card?

    Check these requirements to make sure you are eligible for a platinum credit card:

    • Age. You must be at least 18 years of age to apply for any credit card.
    • Credit history. Platinum credit cards are designed for people with good or excellent credit history.
    • Income. You must have a regular source of income. Platinum credit cards also have higher minimum income requirements, starting from $30,000 but usually closer to $50,000 or more.
    • Employment. Full time employment is preferred, but if you are self-employed, retired or on a pension and can provide proof of regular income then you may also be eligible to apply.
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    How to apply for a platinum credit card

    Get your platinum credit card by following these six simple steps.

    1. Find a platinum credit card that best suits your needs and click on the ‘Go to site’ button. This will send you to the bank’s secure application page.
    2. Read over the eligibility criteria and application terms then select ‘Apply’.
    3. Fill out the application with as much detail as possible.
    4. Provide your supporting documentation when it is requested (see below).
    5. Submit your application. You should be notified of the initial outcome within a few minutes via the webpage or your email.
    6. If you receive conditional approval, follow the steps outlined by the bank to complete the application process.

    Required documents when applying 

    The supporting documents you may need to supply during the application process include:

    • A copy of your driver’s licence or another official document with your address (i.e. a utility bill)
    • A copy of your passport or Medicare card
    • Proof of employment/income, such as: two payslips less than 60 days old, a letter of employment or your most recent tax statement from the ATO
    • Contact details for your employer or accountant

    The credit card issuer or bank needs these details before the application can be fully processed and you can usually attach them to the application, submit them via a secured web-form or post them to the bank depending on the issuer’s preferences.

    How long will it take to receive the credit card?

    Once the application is approved and your supporting documentation is provided, it usually takes 5-10 business days to get your new platinum credit card. Some credit card issuers take longer than others, though, so it’s a good idea to check with the bank to get a better idea of when you will get your card.

    From higher credit limits and more reward points to complimentary insurance, concierge services and travel perks, platinum credit cards have both premium features and status that lift them up above other options. So if you want your credit card to do more for you than just the basics, check out the wide range of platinum credit cards and use your knowledge of them to find an option that is great for you.

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    Frequently asked questions about platinum credit cards

    Here are some of the most frequently asked questions about platinum credit cards from our users. If you still have a question please leave a comment in the box below.

    Are there any low interest rate platinum credit cards?

    Yes. Low interest rate platinum credit cards are extremely popular due to their combination of low interest rates and platinum benefits.

    How do I cancel a platinum credit card?

    If you’ve paid the card off in full, you can cancel platinum credit cards at any time, free of charge.

    What level of credit card is above platinum?

    While platinum is a very exclusive type of credit card, there is one class above, called ‘Black’ credit cards.
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    29 Responses to Platinum Credit Cards

    1. Default Gravatar
      john | May 18, 2016

      What is the minimum amount that must be paid on an ANZ platinum credit card to be able to access complementary Overseas Travel Insurance with QBE

      • Staff
        Anndy | May 18, 2016

        Hi John,

        Thanks for your comment.

        If you have an ANZ Platinum Credit Card, you will be eligible for the complimentary overseas travel insurance when before leaving Australia, you use your credit card to purchase at least $250 of your transport costs that include airfares and/or cruise and/or land content costs such as tours and hire cars, transport and accommodation.

        I hope this helps.


    2. Default Gravatar
      Brian | February 8, 2016

      I receive $24000 annually from superannuation plus approx $9300 in aged pension. My wife receives $12000 annual super plus the same aged pension.We have a joint V2 account. Do we/I qualify for a Platinum card?

      • Staff
        Debbie | February 16, 2016

        Hi Brian,

        Thanks for your inquiry.
        Please note that you’ve come through, an we’re not in the position to recommend any financial advice.

        You may wish to contact directly your preferred credit card issuer, they may be more happy to assist and provide you with their credit cards’ income requirements.

        To know more how much do you need to earn to get a credit card, kindly go through this page.

        I hope this helps.


    3. Default Gravatar
      jaswinder | April 18, 2015

      what are the levels of credit card in terms of low credit limit to high credit limit

      • Staff
        Jonathan | April 20, 2015

        Hi Jaswinder, thanks for your inquiry!

        Credit limits vary depending on the type of credit card and the individual’s credit score/ history. Bank’s will provide a default/ minimum level of credit, with increases in the credit limit available upon request.



    4. Default Gravatar
      Greg | November 13, 2014

      Can I pay for goods by transferring out of a Business platinum Card online account as a bank transfer or Bpay and still earn rewards points.

      • Staff
        Elizabeth | November 13, 2014

        Hi Greg,

        Thanks for your question.

        This depends on the card issuer, as each one will have different definitions of what an ‘eligible purchase’ is that can earn rewards points. Some card issuers may allow you to earn rewards points for BPAY payments, but generally a bank transfer out of your credit card is considered a cash advance and so will not earn points.

        I suggest you check what you card issuer defines as an eligible purchase.

        I hope this has helped.



    5. Default Gravatar
      sidiki | May 16, 2014

      can i pay my credit card contract early?
      how can i fiend out the pay out figure?

      • Staff
        Shirley | May 22, 2014

        Hi Sidiki,

        Thanks for your question.

        Yes you can pay back your credit card balance early. Please follow the instructions on your credit card statement to do so.

        Generally there isn’t a fee for paying back your credit card early, but please confirm this with the PDS of your product.


    6. Default Gravatar
      mick | May 7, 2014

      What is the difference between Platinum cards which offer TRAVEL INSURANCE and those which offer TRAVEL AND MEDICAL INSURANCE?

      It is probably obvious but perhaps a little more explanation might be helpful.


      • Staff
        Shirley | May 8, 2014

        Hi Mick,

        Thanks for your question.

        Travel insurance refers to things like luggage protection or cover for trip cancellation costs. Medical insurance covers things like injury or death during your travels.

        To find out what credit card offers travel insurance or medical insurance (or both), please read the PDS of the product.


      • Default Gravatar
        mick | May 8, 2014

        I sort of thought along those lines but what I was really wanting to know is WHICH PLATINUM CARDS offer medical insurance? I know that ANZ does but I am wanting to move away from this company.

      • Staff
        Shirley | May 9, 2014

        Hi Mick,

        Thanks for your question.

        You’ll need to conduct your own research to find platinum cards that offer medical travel insurance. Where this feature is offered, it will be mentioned in our reviews. For example, the HSBC Platinum credit card offers complimentary travel insurance, but you’re covered for eligible medical expenses as well.

        This page has a pretty comprehensive list of cards that offer travel insurance, but not all of those cards are platinum cards. Alternatively, the list of cards on this page may also include cards that have medical insurance.


      • Default Gravatar
        | May 9, 2014

        “eligible” medical expenses is like asking how long a piece of string is…..a meaningless statement.

        You are right. No point in asking those who wrote the blog because they have no idea so perhaps better to ring each of the issuers.


    7. Default Gravatar
      can | March 30, 2014

      Can I apply on Sunday?

      • Staff
        Jacob | March 31, 2014

        Hi, Can.

        You can apply online for a credit card twenty four hours a day, seven days a week.

        Thanks for your question.

    8. Default Gravatar
      | March 10, 2014

      Do I have travel insurance for domestic travel and hire car excesses when travelling in Australia I currently have a Platinum MasterCard.

      • Staff
        Jacob | March 10, 2014

        Hi, Bruce.

        Each insurance policy has differences. Can you please provide the name of your card issuer and I will be able to give further information.

        Thanks for your question.

    9. Default Gravatar
      Kenneth | March 6, 2014

      I have a Platinum NAB MasterCard and use it during our overseas holidays. Our next trip leaves in three weeks.
      We have had the cruise booked for the last 6 months but my wife is currently having a pacemaker fitted and the doctors say she cannot travel for a few months.
      We have advise all the tour operators about the situation and have cancelled the bookings.
      How do we stand regarding the insurance?
      Regards, Ken.

    10. Default Gravatar
      i | November 12, 2013

      I have a platinum MasterCard with Coles and it only costs 49 dollars year gives me 2 points every dollar I spend anywhere which is 1%. I pay fully every month and I think this is the best card around yet you don’t show this card. It might be different if you didn’t pay fully each month as I don’t need credit.

    Credit Cards Comparison

    Rates last updated October 26th, 2016
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
    20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    ME Bank frank Credit Card
    Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
    11.99% p.a. $0 p.a. Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    NAB Low Rate Credit Card
    The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
    0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

    * The credit card offers compared on this page are chosen from a range of credit cards 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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