Compare Platinum & Gold Credit Cards

1 - 10 of 103

Name	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
Bankwest Breeze Platinum Mastercard	Bonus points N/A	Points per $ spent N/A	Purchase rate p.a. 12.99%	Annual fee $59	Go to site More Info Compare	Get 0% p.a. interest on balance transfers for 24 months (with a 3% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.
Qantas Premier Platinum Qantas Frequent Flyer	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $349 first year ($399 after)	Go to site More Info Compare	This card's bonus points offer is one of the highest on the market. Plus you can earn up to 2 Qantas Points per $1 spent and get 2 airport lounge invitations per year.
Qantas Premier Platinum Qantas Frequent Flyer	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $349 first year ($399 after)	Go to site More Info Compare	Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers, with a 2% BT fee.
Bankwest Breeze Platinum Mastercard	Bonus points N/A	Points per $ spent N/A	Purchase rate p.a. 12.99%	Annual fee $59	Go to site More Info Compare	Get 0% p.a. interest on balance transfers for 24 months (with a 3% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.
ANZ Rewards Black Credit Card Finder Award ANZ Rewards Program	Bonus points 180,000	Points per $ spent 2	Purchase rate p.a. 20.99%	Annual fee $375	Go to site More Info Compare	Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
Qantas American Express Ultimate Card Qantas Frequent Flyer	Bonus points 50,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $450	Go to site More Info Compare	Get a yearly $450 Travel Credit and 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 3 months.
Coles No Annual Fee Mastercard Flybuys	Bonus points 10,000	Points per $ spent 0.5	Purchase rate p.a. 20.74%	Annual fee $0	Go to site More Info Compare	Get 10,000 bonus Flybuys points (worth $50 Flybuys dollars) when you spend $3,000 on eligible purchases in the first 3 months.
Latitude 28° Global Platinum Mastercard - Rewards Offer Latitude Rewards	Bonus points N/A	Points per $ spent N/A	Purchase rate p.a. 27.99%	Annual fee $96	Go to site More Info Compare	Get $200 bonus Latitude Rewards when you spend $2,000 or more on eligible transactions every statement period in the first 3 months from approval. Offer ends 31 December 2024.
Westpac Altitude Qantas Black Qantas Frequent Flyer	Bonus points 120,000	Points per $ spent 0.75	Purchase rate p.a. 20.99%	Annual fee $370	Go to site More Info Compare	Up to 120,000 bonus Qantas Points (90,000 points in year 1 when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
American Express Qantas Business Rewards Card Qantas Business Rewards	Bonus points 130,000	Points per $ spent 1.25	Purchase rate p.a. 0%	Annual fee $450	Go to site More Info Compare	(ABN holders w/ $75k revenue). Earn 130,000 bonus Qantas Points when you spend $3,000 in the first 2 months.
Westpac Altitude Platinum Card Westpac Altitude Rewards	Bonus points 120,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $99 first year ($175 after)	Go to site More Info Compare	Up to 120,000 bonus Altitude Points (90,000 points in year 1 when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).
American Express Explorer Credit Card Membership Rewards	Bonus points 50,000	Points per $ spent 2	Purchase rate p.a. 23.99%	Annual fee $395	Go to site More Info Compare	Get 50,000 Membership Rewards Bonus Points and spend $4,000 on eligible purchases in the first 3 months.

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Platinum and gold credit cards offer higher credit limits and perks like concierge services and premium rewards points on your spending
While these cards have higher annual fees, many come with benefits that can easily offset the cost, such like complimentary insurance or travel and flight credits
Eligibility requirements are typically stricter, often requiring a higher income or strong credit history.

What's the difference between platinum, gold and black credit cards?

Platinum, gold and black credit cards are premium options that open the door to exclusive benefits. While they are all premium options that offer a range of benefits like rewards points, free flights, and concierge services, each represents a different level of status and service.

Gold credit cards are a step up from standard credit cards. Many of the gold credit cards that used to be available in Australia have been replaced with platinum cards.
Platinum credit cards are the next level up from gold and standard cards. Some premium cards that were considered "platinum" are now "black".
Black credit cards are at the top of the pack. They offer features like higher (or unlimited) credit limits, more reward points and a huge range of complimentary extras. Black cards are typically suited to people who earn and spend a lot.

Gold credit cards

Gold credit cards are the “entry level” option for premium credit cards and are designed to suit people who are interested in getting more features and benefits, but who don’t want to pay much more than they would for a standard card.

The features you can expect from a Gold credit card

More reward points per $1 than standard cards
Higher point caps than standard cards
Complimentary travel insurance
Complimentary purchase protection insurance
Annual fees similar to standard cards, or slightly higher
Minimum credit limits typically starting from $1,000

Gold credit cards also have slightly higher income and credit history requirements than standard cards – but not as high as those of platinum or black cards.

Platinum credit cards

Platinum credit cards are considered more premium than gold cards and offer a wider range of features and more flexibility. They are designed for people who want to get more value from regularly paying with plastic.

The features you can expect from a Platinum credit card

Complimentary international travel insurance with higher covers, domestic interstate flight inconvenience insurance and car hire insurance
Airport lounge access
Complimentary purchase protection insurance
More reward points per $1 spent than gold cards and higher reward points caps
Personal concierge services
Higher annual fees than gold cards, typically ranging from $59 to $1,750

Some platinum credit cards may also provide other spending benefits for customers. For example, platinum Bankwest credit cards offer no international transaction fees for purchases made overseas or online with an international retailer.

Platinum vs gold credit cards in Australia

One of the biggest differences between platinum and gold cards in Australia is that there is a larger selection of platinum credit cards than gold cards. In fact, while all of the Big 4 Banks in Australia (ANZ, NAB, CommBank and Westpac) offer platinum cards, only CommBank offers gold credit cards for personal customers.

Platinum cards also offer higher minimum credit limits than gold cards, which means they're only available to those who earn a certain, relatively high minimum income. The list of features and bonuses are usually greater than gold.

Black credit cards

Black credit cards are considered the ultimate in premium credit cards, with the highest level of service and broadest range of benefits.

The features you can expect from a Black credit card

As well as features offered on gold and platinum cards, a black card may offer:

The highest number of points per $1 for reward programs
Complimentary airport transfers
Travel credit or flight offers
Dedicated travel booking services
A personal concierge service
A personal shopper
Invitations to exclusive events or promotions
Higher credit limits (sometimes up to $100,000)
Annual fees ranging from $0 to $1,200

Black credit cards are designed for high earners who pay with plastic very regularly. As such, the minimum income requirements for these cards are usually a minimum of $35,000 to $100,000, sometimes more. You also need flawless credit history to get a black credit card.

What to consider before applying

The benefits of a platinum, gold or black credit card are only worth it if they offer more value than the annual fees, which can be hefty. Ask the following questions before choosing which type of card to get suits you best:

How often do you use your credit card?

Gold, platinum and black credit cards are designed for people who regularly use a credit card, and their annual fees and credit limits reflect that.

You also usually need to pay with the credit card to get value from the premium features and benefits, such as rewards, travel credit and complimentary insurance.

💡Tip: If you don’t use a credit card very often, you could look at a low rate or no annual fee option instead.

How much do you spend on your credit card?

If you choose a premium rewards card, make sure the value of the points you earn outweighs the cost of the annual fee. For bonus point offers, always check the spending requirements to make sure they are reasonable for you.

💡Tip: Not sure how much your points are worth? Finder's credit card points calculator will give you a quick estimate, plus more insights and tips on working out the value of points.

How much money do you earn?

Gold, platinum and black credit cards typically have higher income requirements than standard credit cards. And even if no minimum income amount is listed, you'll still need to show proof of a regular income that would be enough to manage the card's minimum credit limit.

How many premium credit card features will you actually use?

Rewards and extras can help offset the cost of a credit card, but only if you use them. Be realistic about which benefits you will use, so you can find a card with the right mix of features and costs.

Do you pay off your credit card balance in full?

Many gold, platinum and black credit cards have high interest rates for purchases, which can be expensive if you carry a balance from month to month. When that's the case, a platinum credit card with a low ongoing interest rate could help you save on interest charges.

How much are you willing to pay on an annual fee?

Premium credit cards typically have higher annual fees than basic cards. If you have an idea of the maximum annual fee you want to pay, you can use the filters on Finder's comparison table so you only see cards that fit within that range.

Do you have an excellent credit history and credit score?

These credit cards typically require a very good to excellent credit score.

If you have negative details on your credit report, such as late payments or defaults, you may not be eligible to apply for a gold, platinum or black credit card.

Frequently asked questions about premium credit cards

Whether you are looking at a standard credit card or a more premium gold, platinum or black card, it's important to compare the different features based on your situation and goals. Some of key features to look at when comparing premium cards include:
- Bonus point offers. Introductory bonus point offers may differ between gold, platinum and black cards, with black cards typically offering the highest amount of bonus points when you sign up.
- Complimentary extras. Complimentary extras may include travel and purchase insurances, concierge services and other travel perks like airport lounge access or travel credit. When comparing black, platinum and gold credit cards, make sure you consider how many of the perks you will use, as this can help you decide if the cost of the account is worth it for you.
- Reward points per $1. Black cardholders usually earn the most rewards points per $1 spent, followed by platinum and then gold cardholders. As an example, a standard rewards card could offer 0.5 points per $1, with the gold version offering 1 point per $1, the platinum 1.5 points per $1 and the black card 2 points per $1 spent.
- Reward point caps. If a reward credit card limits the amount of points you can earn per statement or year, the amount you can earn will increase with each level of card. This means a standard card would have the lowest points cap, followed by a gold card, then a platinum card and lastly a black card – giving the black card the highest point-earning potential.
- Annual fees. When you're comparing cards from the same issuer, standard cards will have the lowest annual fees, followed by gold, then platinum and then black. Ideally, the value you get from the card's perks should balance out this cost.
- Minimum income requirements. As a general guide, the more premium the card is, the higher the minimum income requirement. This means you will need to earn a higher income for black cards (and some platinum cards) compared to gold or standard cards.

Thank you for your feedback!

Written by

Amy Bradney-George

Editor

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

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Amy has written 564 Finder guides across topics including:

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37 Responses

DavidAugust 28, 2013

How do I sign up for frequent flyer points with my NAB credit card?

Finder

JacobAugust 28, 2013Finder

Hi David.

Thanks for getting in touch with us.

NAB currently have two products that allow you to earn frequent flyer points. And both of these cards come with complimentary Qantas Frequent Flyer Membership if you don’t already have one. If you already had a Qantas Frequent Flyer membership, you should have been prompted to link your card and your membership when you applied for the card. You can do this now by calling NAB directly.

I hope this helps.

KennethAugust 11, 2013

How do I change my email address for my MasterCard moments?

Finder

JacobAugust 12, 2013Finder

Hi Kenneth, thanks for your question.

MasterCard does not issue any credit cards, so you will need to contact the card issuing institution to get them to change your email address.

Jacob.

TimiMay 28, 2013

Which one is higher in quality and benefits between the platinum credit card and the gold credit card

Finder

JacobMay 28, 2013Finder

Hi Timi. Generally speaking Platinum Credit Cards are have a higher status than Gold Credit Cards. This is reflected in the annual fee, the rewards points earning, and additional features like complimentary international travel insurance and airport lounge access. Let me know if there’s anything else you would like help with. Jacob.

yellerDecember 15, 2015

Hi, I’m a citibank platinum card holder for a number of years but i never have the chance to access to the lounge areas in airports or sometimes i don’t get priority boarding and other amenities and also how would i access to upgrading. how would i be able to have these perks? thanks

Finder

SallyDecember 15, 2015Finder

Hello,

While the Citibank Platinum card does not offer complimentary airline lounge access, you can compare cards that offer complimentary airport lounge passes. You can press the “Go to site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions.

A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

I hope this helps.

Cheers,
Sally

LindaMay 25, 2013

Hi. My husband and I have a platinum CBA Credit Card and used it to pay for our overseas holiday including car hire. We were charged £325 plus £27 admin fee from our excess for a stone chip to the windscreen. We were advised that the Credit Card Travel Insurance should cover this. Is this the case and how do we proceed?

Finder

JacobMay 25, 2013Finder

Hi Linda. You should be right provided you didn’t violate any of the rental terms and conditions. I’ve sent more info to your email. Jacob.

BobApril 12, 2013

I have a Coles Platinum Credit card and I am inquiring as to whether their is any Travel Insurance cover with this card?

Thank you

Bob

Finder

JacobApril 13, 2013Finder

Hi Bob,

Thanks for your question. The Coles Platinum MasterCard does not include complimentary international travel insurance.

I hope this helps.

Regards,
Jacob

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