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Credit Cards

Choosing a Platinum Credit Card

Today's Platinum credit cards and fees

  • Premium Benefits such as purchase protection
  • Look for bonus rewards points
  • Highest credit limits & low rates

Try the Advanced Search - to refine your options further

Card Rewards Points Annual Fee Interest Rate Balance Transfer  
American Express Platinum Rewards Credit Card
American Express Platinum Rewards Credit Card
No Annual Fee First Year
  • No Annual Fee First Year
  • Complimentary Membership Rewards Program
  • Refund/ Purchase Protection
up to2 $80Save $80 20.74% 0.99%for 6 months
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American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 Bonus Velocity Reward Points
  • Earn Velocity Points for every $1 spent
  • Free Additional Cardholders
  • Complimentary Virgin Australia Domestic Flight Every Year
up to3 $349Current Offer 20.74% 0.99%for 6 months
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American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 Bonus points
  • Complimentary Return Domestic Flight every year
  • Range of Complimentary Insurances
  • Earn up to 3 Membership Reward Points per dollar
up to3 $195Current Offer 20.74% 0.99%for 6 months
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American Express Platinum Reserve Credit Card
American Express Platinum Reserve Credit Card
30,000 Bonus Membership Rewards Points Offer
  • Earn Membership Reward Points as you spend
  • Complimentary Insurances
  • Free Economy Return flight or 1 Night Hotel Stay per year
up to3 $395Current Offer 20.74% 0.99%for 6 months
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American Express Platinum Card
American Express Platinum Card
80,000 bonus points
  • No Interest - Pay Balance In Full Each Month
  • Earn Rewards Points as you spend
  • Platinum Travel Benefits
up to3 $1200Current Offer N/A -
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Aussie Platinum Low Rate Card
Aussie Platinum Low Rate Card
0% Purchase Interest 5 months
  • Ongoing Low Interest Rate
  • Range of Complimentary Insurances
  $99Current Offer 0%
for 5 months
then 13.29%
-
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Bank of Melbourne Platinum Visa Credit Card
Bank of Melbourne Platinum Visa Credit Card
  • Range of Complimentary Insurance Covers
  • 3 Free Additional Cardholders
  • Personal Concierge Service
  $89 15.99% 3.99%for 6 months
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BankSA Platinum Visa Card
BankSA Platinum Visa Card
  • Range of Complimentary Insurance Covers
  • 3 Free Additional Cardholders
  • Personal Concierge Service
  $89 15.99% 3.99%for 6 months
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Citibank Select Credit Card
Citibank Select Credit Card
4.9% Balance Transfers & 60,000 Bonus Reward Points
  • Citibank Rewards or Citibank Qantas Rewards Program
  • Range of travel rewards
  • Free Additional Cardholders
2 $700Current Offer 20.74% 4.9%for 9 months
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Citibank Clear Platinum Credit Card
Citibank Clear Platinum Credit Card
0% Balance Transfers & Annual Fee Halved
  • Free bottle of wine when dining at partner restaurants
  • Range of Complimentary Insurances
  • Personal Concierge Service
  $99Save $50 12.99% 0%for 12 months
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Citibank Emirates Citibank Platinum Credit Card
Citibank Emirates Citibank Platinum Credit Card
3.9% Balance Transfers & 15,000 Bonus Skywards Miles
  • Earn Skywards Miles
  • Range of Complimentary Emirates Benefits
  • Redeem Skywards Miles on Emirates flights & partner airlines
1.5 $229Current Offer 20.99% 3.9%for 9 months
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Citibank Platinum Rewards Credit Card
Citibank Platinum Rewards Credit Card
0% Balance Transfers for 2 Years
  • Earn Up to 3 Rewards Points for every $1 spent
  • VISA Travel and Entertainment Deals
  • Range of Complimentary Insurances
up to3 $199Current Offer 20.99% 0%for 24 months
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Commonwealth Bank Platinum Awards Credit Card
Commonwealth Bank Platinum Awards Credit Card
Up to $200 Cash back
  • Earn Awards Points or Qantas Points (Direct Earn Option)
  • Range of Complimentary Insurances
  • World™ Privileged Access Program
up to3 $280Current Offer 20.24% 5.99%for 5 months
More details...
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
20,000 Bonus Qantas Points
  • Earn Qantas Points
  • Complimentary Membership Qantas Frequent Flyer Program
  • Range of Complimentary Insurances
up to2 $199Current Offer 20.99% 0%for 6 months
More details...
HSBC Platinum Credit Card
HSBC Platinum Credit Card
$0 Annual Fee + 30,000 Reward Points
  • Free Additional Cardholders
  • Range of Complimentary Insurances
  • Platinum Concierge Service
1 $129Save $129 19.99% 0%for 8 months
More details...
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
0% Balance Transfers for 15 months
  • Receive 2 cards with one account - AMEX and Visa
  • Seven Complimentary Insurances
  • Platinum Concierge Service
up to1.5 $150Current Offer 19.99% 0%for 15 months
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NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
0% Balance Transfers for 15 months
  • 2 cards for Maximum Qantas Points - AMEX and Visa
  • Seven Complimentary Insurances
  • NAB Platinum Concierge
up to1.5 $250Current Offer 19.99% 0%for 15 months
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St.George Platinum Visa Credit Card
St.George Platinum Visa Credit Card
  • Range of Complimentary Insurance Covers
  • 3 Free Additional Cardholders
  • Personal Concierge Service
  $89 15.99% 3.99%for 6 months
More details...
Virgin Money Virgin Australia Velocity Flyer Credit Card
Virgin Money Virgin Australia Velocity Flyer Credit Card
0% Interest or Bonus Points Offer
  • Earn Velocity Points for every $1 spent
  • Reduced Virgin Australia flights offer (conditions apply)
  • Personal Concierge Service
up to1 $129Current Offer 0%
for 9 months
then 20.74%
0%for 9 months
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Virgin Money Virgin Australia Velocity High Flyer Credit Card
Virgin Money Virgin Australia Velocity High Flyer Credit Card
20,000 bonus Velocity Points
  • Earn Uncapped Velocity Points
  • Reduced Virgin Australia flights offer (conditions apply)
  • Range of Complimentary Insurances
1.25 $289Current Offer 20.74% 1.9%for 12 months
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Westpac Altitude Platinum Credit Card
Westpac Altitude Platinum Credit Card
Double Altitude Points + 0% Interest
  • Receive 2 cards with one account - AMEX and Visa
  • Free Additional Cardholder
  • Range of Complimentary Insurances
up to2 $150Current Offer 0%
for 12 months
then 19.99%
3.99%for 6 months
More details...
Westpac Earth Platinum Credit Card
Westpac Earth Platinum Credit Card
Double Qantas Points
  • Receive 2 cards with one account - AMEX and MasterCard
  • Earn Qantas Points for every $1 spent
  • Range of Complimentary Insurances
up to1 $125Current Offer 0%
for 12 months
then 19.99%
3.99%for 6 months
More details...
Westpac 55 Day Platinum Visa Card
Westpac 55 Day Platinum Visa Card
No Annual Fee Ever
  • Extended Complimentary Insurances
  • Platinum Concierge
  • Falcon Fraud Protection
  $90Save $90 19.59% 3.99%for 6 months
More details...
Westpac Singapore Airlines Platinum Card
Westpac Singapore Airlines Platinum Card
10,000 Bonus Miles
  • Earn Singapore Airlines KrisFlyer miles for every $1 spent
  • Two Cards linked to the one account - AMEX and Visa
  • Extended Complimentary Insurances
up to1.5 $250Current Offer 19.49% 0.99%for 6 months
More details...
Woolworths Qantas Credit Card
Woolworths Qantas Credit Card
Bonus 16,000 Qantas Points
  • Earn Qantas Points for every $1 spent
  • Complimentary Qantas Frequent Flyer membership
  • 24/7 Concierge Service
1 $89Current Offer 19.99% 5.99%for 6 months
More details...

About Platinum Credit Cards

Platinum credit cards are often viewed as a symbol of prestige and status as they are generally only offered to higher level income earners and those with healthy credit ratings. However, a platinum credit card is much more than just a status symbol as they also come with a range of benefits and rewards. The variety of benefits attached to these cards differs enormously and therefore it is important to compare platinum credit cards carefully to ensure you are receiving a good rate.

Benefits of Platinum Credit Cards

Not all platinum credit cards are the same and the benefits that the cards offer do vary. Some examples of potential benefits include:

  • Purchase protection insurance
  • Lower interest rates on purchases
  • Specialised customer service
  • International travel insurance
  • Frequent Flyer or Rewards Points programs
  • Access to airport lounges
  • Rental car excess insurance coverage
  • Gym & spa memberships
  • Fraud and identity protection
  • Emergency assistance
  • Bonus or discount offers at selected partners such as restaurants
  • Commission free travellers cheques
How to get a Platinum Credit Card

The key to obtaining a platinum credit card lies in your credit history. Banks and credit providers generally only offer their platinum credit cards to those they feel are an acceptable credit risk, and often apply minimum earnings requirements.

Platinum Credit Card Annual Fees

As with any finance decision it is crucial that you compare platinum credit cards carefully to ensure that the annual fee you will be charged is acceptable for the benefits and services that will be received in return. The annual fees for platinum credit cards are generally around the $200 to $300 mark but can push up as high as $900. Each different platinum credit card will offer a different set of benefits and the annual fee often reflects the quality of benefits received.

Reward Points on Platinum Credit Cards

Often platinum credit cards attract higher levels of reward points and incorporate bonus point structures. Generally you do pay more for these types of cards so it is important to understand the structure of the rewards program to ensure that you are receiving a good right.

Why compare Platinum Credit Cards?

What is the right platinum credit card? There are a number of banks and lenders in competition to offer you a platinum credit card service. The offers from by these companies constantly change as they strive to win your business, and as such there are many new benefits that are being added to these programs. A Platinum Credit Card Comparison will show the different types of cards and benefits that are on offer and allow you to make an informed decision.

Compare Credit Cards

View credit cards from the following credit card providers...

American Express Credit Cards BankSA Credit Cards Commonwealth Bank Credit Cards NAB Credit Cards Virgin Money Credit Cards
Aussie Credit Cards Citibank Credit Cards David Jones Credit Cards St.George Credit Cards Westpac Credit Cards
Bank of Melbourne Credit Cards Coles Credit Cards HSBC Credit Cards Suncorp Bank Credit Cards Woolworths Credit Cards

Disclaimer:

WhistleOut is not suggesting that you apply for a particular credit card provided by any of the following credit providers, nor are we trying to assist you to apply for a credit card from any of the following providers. We recommend that you seek professional advice before acting upon any information provided on this web site.

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Credit Card Promotions Wrap-Up: April Edition

Credit Card Promotions Wrap-Up: April Edition

Editor's overview four promotions available on Credit Cards in April.