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Visa Platinum benefits
A Visa Platinum card is a step up from regular Visa cards, with perks that range from more rewards points to luxury hotel stays and 24/7 concierge services.
While all Visa credit cards include features such as global acceptance and support for lost or stolen cards, Visa Platinum cards offer you even more premium perks and benefits. A Visa Platinum card could give you more points per $1 spent, access to pre-sale ticket offers or even hotel upgrades (among other things).
Platinum cards also usually have higher annual fees than regular cards, which means it's important to make sure you get enough value from the perks to justify the costs.
What benefits can I get with a Visa Platinum credit card?
The perks you'll get typically depend on the bank or issuer and the platinum credit card you choose. But some of the benefits specific to Visa Platinum cards include:
24/7 concierge services. Access the Visa Concierge Service with a phone call or email at any time of day (or night) to get help booking restaurants, flights or concert tickets. Sometimes, the concierge can even get you special discounts or upgrades on the booking. A credit card concierge can also help with other requests, such as planning events, buying flowers for someone, or sourcing other gifts and items on your must-have list.
Visa Offers + Perks. All Visa cards have access to Visa Offers + Perks, but some are exclusively available for Platinum and other premium Visa credit cards. Offers vary but could include premium golf perks, car rental upgrades, online shopping discounts or complimentary gifts.
Visa Luxury Hotel Collection. Use your Australian-issued Visa Platinum card to book accommodation through visaluxuryhotels.com and get access to exclusive benefits including a best-rate guarantee. Other perks vary by hotel and availability, but could include complimentary room upgrades, complimentary Wi-Fi in your room, and food or beverage credit.
Pre-sale tickets. Get access to exclusive ticket offers for music tours, festivals and live shows, with partners including Ticketek.
Global Customer Assistance. Whether you’re at home or out trotting the globe, Global Customer Assistance provides 24/7 support in case you lose your card and need a card replacement or emergency cash.
Tip: Save time by asking the concierge for help
If you don't have time to search for an offer or perk, you could ask the concierge for help. You can find the contact number on your card, or use one of the numbers below:
Visa concierge (Australia): 1800 639 607
ANZ: 1300 580 765 (personal cards) or 1800 233 688 and Option 3 (business cards)
NAB Platinum: 1300 730 213 and Option 6 (personal cards) or 1300 496 080 and Option 5 (commercial)
NAB Signature: 1300 489 410 and Option 6 (personal cards) or 1300 498 594 and Option 6 (commercial)
If you have the Visa Concierge app, you can also send requests or make bookings directly from your phone.
Other platinum credit card perks
As well as perks available directly through Visa, some of the other perks you'll find on platinum credit cards include:
More rewards potential. Platinum rewards and frequent flyer credit cards have bigger bonus points offers and earn more points per $1 compared to their basic counterparts.
Airport lounge access. Some platinum Visa credit cards offer complimentary airport lounge invitations or global lounge access through Qantas, Virgin Australia or a lounge partner such as Priority Pass or LoungeKey.
Complimentary purchase insurance. Purchase cover can include purchase protection insurance against loss, theft or accidental damage, smartphone insurance, extended warranty cover and price guarantee schemes for eligible items you buy with your card.
Finder survey: How often do Australians use their credit card when travelling overseas?
Response
Yes
48.61%
I don’t have a credit card
19.41%
No
18.51%
I don’t travel overseas
13.48%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023
What else do I need to think about when looking at Visa Platinum credit cards?
The benefits, rewards and privileges you can get with a Visa Platinum card are only really worth it if they offer you more value than what you pay for the card. So, make sure you also look at the following features:
Rewards. If you're looking at rewards cards, think about what type of points you'll earn and the ways you can redeem them to decide whether you'll get value out of the program.
Interest rates. Platinum cards generally charge higher interest rates than regular cards. So, if you don't pay off your balance by the due date on each statement, these costs could quickly add up.
Annual fee. This is also usually higher among premium cards, which means the perks will only be worth it if you think you will realistically use them every 12 months.
Credit limit. Platinum cards may have higher minimum credit limits than standard cards. So ask yourself whether a higher limit would be useful, or whether it could tempt you to overspend.
Eligibility criteria. A platinum credit card may require a higher minimum income than regular cards, although not all providers list these details as part of the application requirements.
Want to see more cards? You can compare a wider range of platinum cards, including Visa, Mastercard and American Express options.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
Amy's expertise
Amy has written 567 Finder guides across topics including:
If you want to get more rewards, higher credit limits, complimentary insurance and many other perks, here's how a platinum credit card could work for you.
i have heard that if i pay for a car rental with my platinum visa issued by NAB that i do not have to pay to bring down my insurance excess. is that correct and can i rent a care from any rent a car company in the Gold Coast?
Regards
Shane
Finder
ShirleyMay 14, 2014Finder
Hi Shane,
Thanks for your question.
In the terms and conditions it states that “in the event of a loss or damage to a rental vehicle which was rented by you during the rental period. We will reimburse you up to maximum of $1,250 per interstate journey for any excess or deductible, which you become legally liable to pay”.
Please be mindful that only some types of cards are eligible, so you may want to have a read through the PDS to ensure your rental vehicle is covered.
Cheers,
Shirley
JulianneMay 1, 2014
i have been told that if you purchase electrical goods with your Platinum Visa, the usual manufacturers warranty is extended by a year. i s this correct and how do you get something repaired under it.
Thanks
Finder
ShirleyMay 2, 2014Finder
Hi Julianne,
Thanks for your question.
This depends on the manufacturer’s warranty when you purchased the goods and where you have bought the goods. Please see our guide to the extended warranty. It is also important to specifically check the terms and conditions of your own credit card as well.
Cheers,
Shirley
NageshFebruary 3, 2015
Is their any travel insurance for Indian resident holding visa card
Finder
ElizabethFebruary 3, 2015Finder
Hi Nagesh,
Thanks for your question.
You can have a look at credit card providers that accept applications from temporary residents. You can also refer to credit card offers that has complimentary insurance. Make sure you check the eligibility criteria of the card you are thinking of applying for by selecting ‘More Info’.
You can also consider standalone travel insurance policies for non-residents. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this has helped.
Thanks,
Elizabeth
MaxMarch 11, 2014
Qantas Lounge web says that transiting pax can access Qantas Lounges by showing flight tickets and Visa Platinum Credit cards.
(We have a 6 hour layover in Bris. after coming from US (With Qantas) arriving 5 a.m before flying on to Fraser Coast with Qantas.)
Can you confirm this please.
Finder
JacobMarch 11, 2014Finder
Hi, Max.
Thanks for getting in touch with us.
I had a chat with Qantas and they said that holding a Visa Platinum Card does not give you access to the Qantas Club. You need to be a Qantas Club member to access this lounge. I’d be keen to find out where you read otherwise. My understanding is that you have to have Platinum One, Platinum, Gold Frequent Flyer Qantas membership status, an Emirates Platinum or Gold Skyward Member, have Emerald or Sapphire oneworld status or be an international First or international Business oneworld customer.
I hope this helps.
ValerieJune 20, 2013
I am a Platinum card holder with NAB and will be travelling soon with my two small children. I was wondering if you could tell me what travel and/or health insurance I may be eligible for. A friend also thought that Platinum card holders were given access to certain airport lounges. Is this true? And if so which ones?
Thank you.
MaxMarch 11, 2014
Hi…Where can I access details ‘Meet and Greet’ (Platinum Travel Services.)
Would like some help Los Angeles Airport through Baggage..Customs..Immigration and then rechecking baggage… Time is of the essence.
Finder
JacobMarch 11, 2014Finder
Hi, Max.
I’m going to send some information about how to book this service to your email.
Regards.
Jacob.
Finder
JacobJune 20, 2013Finder
Hi Valerie,
Thanks for your question. The complimentary international travel insurance benefit is offered with NAB Premium credit cards, NAB Qantas Plus Card and NAB flybuys Rewards card. They changed the names of the cards and ‘premium’ now replaces ‘platinum’.
I have sent information about the policy to your email. It covers a range of overseas events. Please note that there may be an excess if you make a claim. Currently there is no lounge access offered among the range of NAB credit cards.
Regards,
Jacob
GhanbarApril 17, 2013
I’m travelling with my family to the USA and Canada and I have purchased the tickets with my platinum credit card. Could you please give details about the kind of medical insurance I and my family get and other travel insurance cover, afforded under this card.
Finder
JacobApril 17, 2013Finder
Hi Ghanbar. Thanks for your question. Who is the card issuer? We will need to know how the card is issued by before we can provide details about the insurances and benefits. Visa is the card issuer, but who is the card issuer? Jacob.
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i have heard that if i pay for a car rental with my platinum visa issued by NAB that i do not have to pay to bring down my insurance excess. is that correct and can i rent a care from any rent a car company in the Gold Coast?
Regards
Shane
Hi Shane,
Thanks for your question.
In the terms and conditions it states that “in the event of a loss or damage to a rental vehicle which was rented by you during the rental period. We will reimburse you up to maximum of $1,250 per interstate journey for any excess or deductible, which you become legally liable to pay”.
Please be mindful that only some types of cards are eligible, so you may want to have a read through the PDS to ensure your rental vehicle is covered.
Cheers,
Shirley
i have been told that if you purchase electrical goods with your Platinum Visa, the usual manufacturers warranty is extended by a year. i s this correct and how do you get something repaired under it.
Thanks
Hi Julianne,
Thanks for your question.
This depends on the manufacturer’s warranty when you purchased the goods and where you have bought the goods. Please see our guide to the extended warranty. It is also important to specifically check the terms and conditions of your own credit card as well.
Cheers,
Shirley
Is their any travel insurance for Indian resident holding visa card
Hi Nagesh,
Thanks for your question.
You can have a look at credit card providers that accept applications from temporary residents. You can also refer to credit card offers that has complimentary insurance. Make sure you check the eligibility criteria of the card you are thinking of applying for by selecting ‘More Info’.
You can also consider standalone travel insurance policies for non-residents. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this has helped.
Thanks,
Elizabeth
Qantas Lounge web says that transiting pax can access Qantas Lounges by showing flight tickets and Visa Platinum Credit cards.
(We have a 6 hour layover in Bris. after coming from US (With Qantas) arriving 5 a.m before flying on to Fraser Coast with Qantas.)
Can you confirm this please.
Hi, Max.
Thanks for getting in touch with us.
I had a chat with Qantas and they said that holding a Visa Platinum Card does not give you access to the Qantas Club. You need to be a Qantas Club member to access this lounge. I’d be keen to find out where you read otherwise. My understanding is that you have to have Platinum One, Platinum, Gold Frequent Flyer Qantas membership status, an Emirates Platinum or Gold Skyward Member, have Emerald or Sapphire oneworld status or be an international First or international Business oneworld customer.
I hope this helps.
I am a Platinum card holder with NAB and will be travelling soon with my two small children. I was wondering if you could tell me what travel and/or health insurance I may be eligible for. A friend also thought that Platinum card holders were given access to certain airport lounges. Is this true? And if so which ones?
Thank you.
Hi…Where can I access details ‘Meet and Greet’ (Platinum Travel Services.)
Would like some help Los Angeles Airport through Baggage..Customs..Immigration and then rechecking baggage… Time is of the essence.
Hi, Max.
I’m going to send some information about how to book this service to your email.
Regards.
Jacob.
Hi Valerie,
Thanks for your question. The complimentary international travel insurance benefit is offered with NAB Premium credit cards, NAB Qantas Plus Card and NAB flybuys Rewards card. They changed the names of the cards and ‘premium’ now replaces ‘platinum’.
I have sent information about the policy to your email. It covers a range of overseas events. Please note that there may be an excess if you make a claim. Currently there is no lounge access offered among the range of NAB credit cards.
Regards,
Jacob
I’m travelling with my family to the USA and Canada and I have purchased the tickets with my platinum credit card. Could you please give details about the kind of medical insurance I and my family get and other travel insurance cover, afforded under this card.
Hi Ghanbar. Thanks for your question. Who is the card issuer? We will need to know how the card is issued by before we can provide details about the insurances and benefits. Visa is the card issuer, but who is the card issuer? Jacob.