Gold & Platinum Credit Cards

Gold and Platinum credit cards are the crme de la crme of premium credit card usage, providing smart users of credit cards with many benefits that are unavailable on lower end credit cards. Gold and platinum credit cards have a tendency to cost more in every area and will normally include a very limited ability to reduce debt or else no debt reduction features at all. The highest rates and annual fees are most likely to be found on gold and platinum credit cards, but the extra cost is worthwhile.

See our Best Gold & Platinum Credit Card.

The reason the rates and fees are so high on gold and platinum credit cards is that they are designed to be most appealing to users who will repay their balances within the interest free period on purchases. In return for the extra charge, users of gold and platinum credit cards will usually be given special benefits. These routinely include travel insurance for the cardholder and the cardholder's family, as well as extra reward points on purchases, purchase insurance, and concierge services. The actual benefits may vary from provider to provider, but those are quite commonly offered.

Citibank Clear Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		11.49%	0.99% for 6 months	55 days	$49 (Until the 31st March 2010)	More Info

St. George Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		14.99%	3.99% for 6 months	55 days	$89	More Info

ANZ Gold Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.49%	7.99% for 6 months	55 days	$87	More Info

Westpac 55 Day Gold MasterCard or Visa Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.59%	1.99% for 9 months	55 days	$90	More Info

Westpac 55 Day Platinum Visa Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.59%	1.99% for 9 months	55 days	$130	More Info

Westpac Altitude Gold Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.79%	1.99% for 9 months	45 days	$150	More Info

Westpac Altitude Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.79%	1.99% for 9 months	45 days	$295	More Info

Westpac Earth Gold Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.79%	1.99% for 9 months	45 days	$125	More Info

Westpac Earth Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.79%	1.99% for 9 months	45 days	$250	More Info

HSBC Gold Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.99%	5.99% for 6 months	45 days	$89	More Info

ANZ Frequent Flyer Visa Gold

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.99%	N/A	55 days	$195 (+$55 rewards)	More Info

ANZ Frequent Flyer Visa Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.99%	N/A	55 days	$240 (+$55 rewards)	More Info

ANZ Rewards Visa Gold

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.99%	N/A	55 days	$57 (+$22 rewards)	More Info

NAB Qantas Gold Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.24%	6.99% for 6 months	44 days	$145.5	More Info

Commonwealth Bank Gold Awards Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.74%	5.99% for 5 months	55 days	$144	More Info

Commonwealth Bank Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.74%	5.99% for 5 months	55 days	$280	More Info

AMEX Gold Ascent Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.99%	N/A	44 days		More Info

AMEX Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.99%	N/A	55 days	$395	More Info

Citibank CitiBusiness Gold Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.49%	2.90% for 9 months	55 days	$149	More Info

Citibank Emirates Citi Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.49%	3.90% for 9 months	55 days	$229	More Info

Citibank Gold Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.49%	2.90% for 12 months	55 days	$149	More Info

Citibank Platinum Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.49%	4.90% for life	55 days	$250	More Info

Gold and platinum credit cards are only available to persons of substantial means, with gold credit cards having more relaxed requirements than platinum credit cards. Especially exclusive credit cards can also have additional requirements, such as a buy in fee or a guarantee of payment each month, so be aware before you apply to avoid unpleasant surprises. If you use your credit cards as lines of credit, then you will likely find gold and platinum credit cards detrimental due to their higher rates. These premium cards are really only suited to financially responsible individuals who use credit cards as a rewarding form of alternative payment.

If you would like to learn more about the incredible credit cards on offer that can help you to live the high life, please look through our selection of gold and platinum credit cards.