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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 55,000 bonus Qantas Points when you apply online, are ...
  • 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 ...
  • Start your holiday with a $200 Travel Credit every year.
20.74% 55 $195 $4,500 n/a
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American Express Velocity Platinum Card
  • Receive 100,000 bonus Velocity Points when you apply online ...
  • Earn 1.5 Velocity Points per $1 spent, except government bo ...
20.74% 55 $375 $4,500 $5,000
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Westpac Altitude Black (80,000 Bonus Qantas or Altitude Points + $200 Off first year annual fee*. Minimum $5,000 spend within 90 days of card approval)
  • 2 cards linked to one account: an Altitude Black American E ...
  • Get 80,000 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 30,000 bonus Qantas Points5 when you apply online, are ...
  • 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 50,000 Membership Rewards Bonus Points when you app ...
  • Start exploring with a $400 Travel Credit every year.
20.74% 55 $395 $6,750 n/a
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Westpac Altitude Platinum (60,000 Bonus Qantas of Altitute Points minimum spend $3,000 within 90 days of card approval)
  • 2 cards linked to one account: An Altitude Platinum America ...
  • Get 60,000 bonus Qantas or Altitude points when you spend $ ...
20.24% 45 $150 $8,475 $16,000
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Bank of Melbourne Amplify Signature
  • Earn 90,000 bonus Qantas or Amplify Points on a new card, w ...
  • Offer ends 20 September 2017.
19.49% 55 $279 $11,667 $21,333
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BankSA Amplify Signature
  • Special offer - 0% p.a. for 12 months on balance transfers, ...
  • Celebrate birthdays with a birthday bonus - 10% of points e ...
19.49% 55 $279 $11,667 $21,333
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St.George Amplify Signature
  • Earn 90,000 bonus Qantas or Amplify Points on a new card, w ...
  • Start enjoying the rewards you want, with a choice of two g ...
19.49% 55 $279 $11,667 $21,333
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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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HSBC Platinum Qantas Credit Card (60,000 bonus points)
  • 60,000 bonus Qantas Points. Apply before 30 June 2017 and s ...
  • Earn 1 Qantas Point per $1 spent up to $2,500 per statement ...
19.99% 55 $199 $13,500 $25,000
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Bank of Melbourne Amplify Platinum
  • Earn 60,000 bonus Qantas or Amplify Points on a new card, w ...
  • Offer ends 20 September 2017.
19.49% 55 $99 $17,500 $32,000
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BankSA Amplify Platinum
  • Special offer - 0% p.a. for 12 months on balance transfers, ...
  • Complimentary insurance covers if you pay for your travel c ...
19.49% 55 $99 $17,500 $32,000
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St.George Amplify Platinum
  • Earn 60,000 Bonus Qantas Points or Amplify points when you ...
  • Enjoy uncapped points earning potential and double points e ...
19.49% 55 $99 $17,500 $32,000
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HSBC Platinum Credit Card (0% BT for 22 months with a 2% BT Fee + Annual fee refunded - if you spend $6000 on eligible purchases year after**)
  • 0% p.a. balance transfer for 22 months from non-HSBC credit ...
  • Annual fee refunded – if you spend $6000 on eligible purcha ...
19.99% 55 $99 $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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ANZ Rewards Black (Get 75,000 Reward Points when you spend $2,500 on eligible purchases within first 3 months plus no annual fee for the first year)
  • Get 75,000 Reward Points when you spend $2,500 on eligible ...
  • Offer ongoing until further notice.
18.79% 55 $375 n/a $10,500
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ANZ Low Rate Platinum (0% p.a. first 16 months on balance transfers with a 2% Balance Transfer Fee. Reverts to standard balance transfer rate, currently 21.74% p.a.*)
  • 0% p.a. first 16 months on balance transfers with a 2% Bala ...
  • Offer ongoing until further notice.
11.49% 55 $99 n/a n/a
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ANZ Platinum (0% p.a. first 16 months on balance transfers with a 2% Balance Transfer fee. Reverts to standard balance transfer rate, currently 21.49% p.a. + $0 Annual Fee for the First Year*)
  • $0 Annual Fee for the first year - $87 thereafter (waived i ...
  • 0% p.a. first 16 months on balance transfers with a 3% Bala ...
19.74% 55 $87 n/a n/a
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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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