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.
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
 |
11.49% |
0.00% for 6 months |
55days |
$49 ($49 For the first year, $99 thereafter) |
 More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
15.74% |
3.99% for 6 months |
55days | $89 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
18.99% |
7.99% for 6 months |
55days | $87 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
18.99% | N/A | 44days | $120 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.24% |
0.99% for 6 months |
45days |
$75 ($75 for the first year, $125 after) |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.24% |
0.99% for 6 months |
45days |
$125 ($125 first year, $250 after) |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.24% |
2.90% for 9 months |
55days | $85 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.34% |
1.99% for 9 months |
55days | $90 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.34% |
1.99% for 9 months |
55days | $130 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.49% | N/A | 55days |
$0 (+$$0 for first year rewards) ($0 for first year, $129 therafter) |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.49% | N/A | 55days |
$140 (+$55 rewards) |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.49% | N/A | 55days |
$240 (+$55 rewards) |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.49% |
4.99% for 6 months |
44days | $90 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.64% |
0.99% for 6 months |
45days | $125 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.64% |
1.99% for 9 months |
45days | $150 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.64% |
1.99% for 9 months |
45days | $295 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.64% |
0.99% for 6 months |
45days | $250 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.75% |
1.90% for 12 months |
55days |
$99 (+$19 rewards) |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.99% |
3.90% for life |
55days | $205 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.99% |
4.99% for 6 months |
44days | $145.5 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
19.99% |
4.99% for 6 months |
44days | $290 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
20.49% | N/A | 44days |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
20.49% |
2.90% for 9 months |
55days |
$74 ($74 for first year, $149 thereafter) |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
20.74% |
1.90% for 12 months |
55days | $229 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
20.74% |
1.90% for 12 months |
55days | $149 |
More Info |
| Card | Type | Purchase Rate | Balance Transfer | Purchase Interest Free | Annual Fee | Apply |
|---|---|---|---|---|---|---|
 |
|
20.74% |
3.90% for life |
55days | $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.
Low Rate Credit Cards
You don't need to be an Aussie customer
ANZ Low Rate MasterCard 2.9% BT
Take control of your finances by paying a low interest rate on your everyday purchase
The ideal credit card for shopping
featured credit card issuer
