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Banking / The best credit cards / Gold & Platinum Credit Cards

Want a gold or platinum credit card?

Gold and platinum credit cards carry status and benefits not usually available with standard cards. From frequent flyer points to insurance or concierge services, the rewards are typically dependent on how much you spend, and the cards often come with a higher annual fee.

We can help you find the rewards you want at a price that suits your budget. Simply use our comparison table to review the features, benefits and fees associated with different gold and platinum credit cards from a range of banks and credit unions.


Card Name Purchase Rate Max Free Days Annual Fee Spend Req. for $100 Reward** Spend Req. for SYD-MEL Ret. Flight** Click on the column heading to sort
The Qantas American Express Ultimate Card
  • Earn 75,000 bonus Qantas Points when you apply by 1 May 201 ...
  • Earn 1.5 Qantas Points per $1 spent on eligible purchases. ...
20.74% 44 $450 $4,500 $7,500
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American Express Platinum Edge Credit Card
  • As a new Card Member, enjoy no annual fee for the first yea ...
  • Receive 5,000 Membership Rewards Points when you apply onli ...
20.74% 55 $195 $4,500 n/a
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American Express Velocity Platinum Card
  • Receive 50,000 Velocity Points when you apply online, are a ...
  • Earn up to 3 Velocity Points per $1 spent on eligible purch ...
20.74% 44 $349 $4,500 $5,000
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Westpac Altitude Black (50,000 Bonus Points and 0%p.a. for 12 months on BT)
  • 2 cards linked to one account: an Altitude Black American E ...
  • Get 50,000 bonus Qantas or Altitude points when you spend $ ...
20.24% 45 $395 $5,650 $11,000
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The Qantas American Express Premium Card
  • Earn 60,000 bonus Qantas Points when you apply online by 1 ...
  • Earn 1.25 Qantas Points per $1 spent on eligible purchases. ...
20.74% 44 $249 $6,750 $12,000
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American Express Explorer™ Credit Card
  • Receive 100,000 Membership Rewards Bonus Points when you ap ...
  • Start exploring with a $400 Travel Credit every year.
20.74% 55 $395 $6,750 n/a
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Westpac Altitude Platinum (50,000 Bonus Points and 0%p.a. for 12 months on BT)
  • 2 cards linked to one account: An Altitude Platinum America ...
  • Get 50,000 bonus Qantas or Altitude points when you spend $ ...
20.24% 45 $150 $8,475 $16,000
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Citi Prestige Credit Card (70,000 reward points)
  • Receive 70,000 bonus reward points when you first spend on ...
  • 0% p.a. for 6 months on balance transfers (cash rate after ...
20.99% 44 $700 $8,950 $16,000
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Bank of Melbourne Amplify Signature
  • Earn 30,000 bonus Qantas or Amplify Points on a new card, w ...
  • Special offer - 0% p.a. for 12 months on balance transfers, ...
19.49% 55 $279 $11,667 $21,333
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BankSA Amplify Signature
  • Earn 30,000 bonus Qantas or Amplify Points on a new card, w ...
  • Special offer - 0% p.a. for 12 months on balance transfers, ...
19.49% 55 $279 $11,667 $21,333
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St.George Amplify Signature
  • Earn 30,000 bonus Qantas or Amplify Points on a new card, w ...
  • Special offer - 0% p.a. for 12 months on balance transfers, ...
19.49% 55 $279 $11,667 $21,333
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Citi Rewards Credit Card - Signature (75,000 bonus Citi Reward Points on your first spend within 90 days + 0%p.a. for 6 months on BT)
  • 75,000 bonus Citi Reward Points on your first spend within ...
  • Reduced annual fee of $199 in the first year (usually $395 ...
20.99% 55 $395 $11,933 n/a
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The American Express Essential® Credit Card
  • $0 annual fee
  • Receive a $50 credit when you apply online, are approved an ...
14.99% 55 $0 $13,500 n/a
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Citi Rewards Credit Card - Platinum (0% p.a. for 24 months on BT. 1.5% BT fee applies + reduced annual fee for the first year)
  • Save with 0% p.a. for 24 months on balance transfers (1.5% ...
  • Reduced annual fee of $49 for the first year (a reduced rat ...
20.99% 55 $149 $14,320 $25,000
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Suncorp Clear Options Platinum
  • 0% p.a. for 18 months on balances transferred (reverts to c ...
20.74% 55 $169 $14,320 $24,686
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Bank of Melbourne Amplify Platinum
  • Earn 30,000 bonus Qantas or Amplify Points on a new card, w ...
  • Special offer - 0% p.a. for 12 months on balance transfers, ...
19.49% 55 $99 $17,500 $32,000
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BankSA Amplify Platinum
  • Earn 30,000 bonus Qantas or Amplify Points on a new card, w ...
  • Special offer - 0% p.a. for 12 months on balance transfers, ...
19.49% 55 $99 $17,500 $32,000
Go to site
St.George Amplify Platinum
  • Earn 30,000 Bonus Qantas Points or Amplify points when you ...
  • Special offer - 0% p.a. for 12 months on balance transfers, ...
19.49% 55 $99 $17,500 $32,000
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HSBC Platinum Credit Card (0% BT for 15 months + Annual fee refunded - if you spend $6000 on eligible purchases each year**)
  • 0% p.a. balance transfer for 15 months from non-HSBC credit ...
  • Annual fee refunded – if you spend $6000 on eligible purcha ...
19.99% 55 $149 $18,400 n/a
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ANZ Frequent Flyer Black (Get 75,000 Bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months + no annual fee for the first year.)
  • Get 75,000 Bonus Qantas Points when you spend $2,500 on eli ...
  • 75 Bonus Status Credits when you buy and fly return with Qa ...
19.99% 55 $425 n/a $16,667
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“Sponsored” products are displayed first within the search results pages and can be re-sorted without this filter by de-selecting the “Show sponsored listings first” checkbox. For more information on how we’ve selected these “Sponsored” and “Featured” products click here.

*The First Year Cost Comparison is the total interest payable over one year on a monthly outstanding balance of $3,000 plus the credit card’s annual fee. Introductory purchase rate offers and balance transfer offers are taken into account where applicable.

**The Spend required is based on the approximate everyday spending needed to redeem a $100 gift card or a return flight from Sydney to Melbourne from the rewards program, given the credit card’s point earning capability. For rewards programs that do not have a set number of points to redeem flights, the approximate spend is based on a $300 travel voucher. Bonus point offers and point capping are not included in the calculation.





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Although we cover a range of products, providers and services we don't cover every product, provider or service available in the market. The information and products contained on this website do not constitute recommendations or suggestions to purchase or apply for any particular product. Products included on this site may not suit your personal objectives, financial situation or needs. Please consider whether it is appropriate for your circumstances, before making a decision to purchase or apply for any product. If you are considering acquiring any financial product you should obtain and read the relevant Product Disclosure Statement or other offer document prior to making an investment decision.

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