Platinum, black and gold level credit cards offer a higher level of service than the average credit card. These are credit cards for people who want complimentary insurances, concierge service, advance access to event ticketing, special discounts and rewards from selected partners, frequent flyer points and access to member airport lounges, among a myriad of other benefits. The best platinum, black and gold level credit cards in Australia provide great benefits, discounts and rewards while charging a reasonable purchase interest rate with interest-free days. Some platinum, gold and black level credit cards charge low annual fees and low rates as well, meaning you don’t need to pay more for the extra benefits that a prestigious credit card can deliver. This article contains information and links to top platinum, gold and black level credit cards now available through InfoChoice. The Qantas American Express Ultimate credit card has a purchase interest rate of 20.74 per cent pa and an earn rate of 1.25 QFF points per dollar spent. The Qantas Amex Ultimate credit card is currently promoting a 55,000 bonus Qantas Points giveaway to approved applicants who spend $3,000 on the new card within the first 3 months. This card has a $450 annual fee but offers $450 in Qantas travel credit each year which can be used for international or domestic Qantas flights when you book and pay online at American Express Travel. The American Express Velocity Platinum credit card has a purchase interest rate of 20.74 per cent pa with up to 55 days interest-free. Approved applicants can receive 100,000 bonus Velocity Points when they apply online by 12 February 2020 and spend $3,000 on the card within the first 3 months. This card has a $375 annual fee and offers a free Virgin Australia domestic return economy class seat each year (terms and conditions apply). You can also enjoy 2 complimentary Virgin Australia lounge passes each anniversary year at selected domestic airports and 2 complimentary entries per year to the American Express Lounge at Sydney and Melbourne Airports. The Virgin Australia Velocity High Flyer Visa credit card is currently offering a 0% p.a. rate for balance transfers for 15 months. This card also has a 100,000 bonus Velocity Points promotion. Approved applicants can receive 25,000 VFF points for each month they spend $3,000 on eligible transactions in the first 3 months (up to 75,000 points) plus 25,000 points after your first anniversary. Cardholders can also receive a $129 Virgin Australia gift voucher each year, two Virgin Australia Lounge passes each year and complimentary international travel insurance for the whole family. This card has a $289 annual fee. The NAB Qantas Rewards Premium Visa credit card is promoting a Qantas points giveaway. Approved applicants can earn 30,000 bonus Qantas Frequent Flyer points when they spend $2,500 on everyday purchases within 60 days of account opening (terms and conditions apply). The NAB Qantas Rewards Premium Visa credit card has a purchase interest rate of 19.99 per cent pa, a cash advance rate of 21.74 per cent pa, up to 44 days interest-free and an annual fee of $250. This card has free membership to QFF, international travel insurance and a 24/7 concierge service. The NAB Low Rate Platinum Visa credit card is a premium, platinum level credit card with a genuinely low rate and a low annual fee. This card has a purchase interest rate of 13.99 per cent pa, up to 55 days interest-free, an annual fee of $100 and a cash advance rate of 21.74 per cent pa. This card is currently promoting a zero per cent balance transfer deal for 15 months. The NAB Low Rate Platinum Visa credit card offers complimentary insurance, including travel insurance and 24/7 concierge service. You can compare these credit cards with other platinum, black and gold credit cards from Australia’s banks and credit unions at InfoChoice. And find out more about the top credit cards for Qantas Frequent Flyer points currently on offer in Australia, on InfoChoice. The products compared in this article are chosen from a range of offers available to us and are not representative of all the products available in the market and influenced by a range of factors including interest rates, product costs and commercial and sponsorship arrangements InfoChoice compares financial products from 145 banks, credit unions and other financial institutions in Australia. InfoChoice does not compare every product in the market. Some institutions may have a commercial partnership with InfoChoice. Rates are provided by partners and taken from financial institutions websites. We believe all information to be accurate on the date published. InfoChoice strives to update and keep information as accurate as possible. The information contained on this web site is general in nature and does not take into account your personal situation. Do not interpret the listing order as an endorsement or recommendation from us. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. If you or someone you know is in financial stress, contact the National Debt Helpline on 1800 007 007.