Gold & Platinum credit cards | Compare Gold & Platinum Credit Cards at InfoChoice
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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.

Let's get started: Make the most out of your credit card rewards points | How is interest calculated on a credit card? | How to apply for a credit card


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
  • Receive 55,000 bonus Qantas Points when you apply online, a ...
  • 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
  • Start your holiday with a $200 Travel Credit every year.
  • 0% p.a. on balance transfers for the first 12 months — A on ...
20.74% 55 $195 $4,500 n/a
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American Express Velocity Platinum Card
  • PARTNER EXCLUSIVE INTRODUCTORY OFFER of 100,000 bonus Veloc ...
  • Earn 1.5 Velocity Points per $1 spent, except government bo ...
20.74% 55 $375 $4,500 $5,000
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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 Points when you apply onl ...
  • Apply by 31 January 2018.
20.74% 55 $395 $6,750 n/a
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Bank of Melbourne Amplify Signature (Earn 90,000 bonus Qantas or Amplify Points on a new card, when you spend $5000 within 90 days from card approval. Exclusions apply.#)
  • Earn 90,000 bonus Qantas or Amplify Points on a new card, w ...
  • Offer ends 18 April 2018.
19.49% 55 $279 $11,667 $21,333
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BankSA Amplify Signature (Earn 90,000 bonus Qantas or Amplify Points on a new card, when you spend $5000 within 90 days from card approval. Exclusions apply.#)
  • Earn up to 90,000 bonus Qantas or Amplify points - 60,000 p ...
  • Offer ends 18 April 2018.
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, when you spend $5000 within 90 days from card approval. Exclusions apply.#)
  • 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.
  • Smartphone Screen Insurance of up to $500 for screen repair ...
14.99% 55 $0 $13,500 n/a
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Suncorp Clear Options Platinum
  • 0% p.a. for 18 months on balances transferred (reverts to c ...
20.74% 55 $129 $14,320 $24,686
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Bank of Melbourne Amplify Platinum (Earn 60,000 Bonus Qantas Points or Amplify points when you take out an Amplify Platinum card and spend $3,000 within 90 days from card approval.#)
  • Earn 60,000 bonus Qantas or Amplify Points on a new card, w ...
  • Offer ends 18 April 2018.
19.49% 55 $99 $17,500 $32,000
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BankSA Amplify Platinum (Earn 60,000 Bonus Qantas Points or Amplify points when you take out an Amplify Platinum card and spend $3,000 within 90 days from card approval.#)
  • Earn up to 60,000 bonus Qantas or Amplify points - 40,000 p ...
  • Offer ends 18 April 2018.
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 take out an Amplify Platinum card and spend $3,000 within 90 days from card approval.#)
  • Earn 60,000 Bonus Qantas Points or Amplify points when you ...
  • Offer ends 18 April 2018.
19.49% 55 $99 $17,500 $32,000
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Woolworths Everyday Platinum Credit Card
  • $0 annual fee for the first year - apply by 31 January 2018 ...
  • 0% p.a. interest on balance transfers for the first 14 mont ...
19.99% 55 $49 $20,000 n/a
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Bank of Melbourne Vertigo Platinum (0% p.a. for 24 months on balance transfers with 1% BT fee. Reverts to cash advance rate currently 21.49%p.a.)
  • Special offer - 0% p.a. for 24 months on balance transfers, ...
  • A range of complimentary insurance covers - including overs ...
12.74% 55 $99 n/a n/a
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BankSA Vertigo Platinum (0% p.a. for 24 months on balance transfers with 1% BT fee. Reverts to cash advance rate currently 21.49%p.a.)
  • Special offer - 0% p.a. for 24 months on balance transfers, ...
  • A range of complimentary insurance covers - including overs ...
12.74% 55 $99 n/a n/a
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Citi Rewards Platinum Credit Card (0% p.a. for 26 months on BT. 2.5% BT fee applies + reduced annual fee for the first year)
  • Save with 0% p.a. for 26 months on balance transfers (2.5% ...
  • Offer valid until 30 June 2018.
20.99% 55 $149 n/a n/a
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Citi Clear Platinum Credit Card
  • A low ongoing annual fee of $99
  • With the Citibank Dining Program, enjoy a free bottle of wi ...
14.99% 55 $99 n/a n/a
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Citi Rewards Platinum Credit Card (100,000 bonus reward Points when you spend $3,000 on your card within 90 days of approval)
  • Receive 100,000 bonus reward Points when you spend $3,000 o ...
  • Save with 0% p.a. for 15 months on balance transfers (1.5% ...
20.99% 55 $149 n/a n/a
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Citi Rewards Signature Credit Card (120,000 bonus reward Points when you spend $3,000 on your card within 90 days of approval + 0%p.a. for 15 months on BT)
  • 120,000 bonus reward Points when you spend $3,000 on your c ...
  • Within 90 days of approval.
20.99% 55 $395 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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