By WhistleOut

Credit Card Types: Low Rate Low Fee Balance Transfer Top Rewards Qantas Frequent Flyer Compare all listed cards

Credit Cards

Choosing a Gold Credit Card

Today's Gold credit cards and fees

  • Higher credit limits
  • Look for bonus rewards points
  • Benefits such as travel insurance

Try the Advanced Search - to refine your options further

Card Rewards Points Annual Fee Interest Rate Balance Transfer  
St.George Gold Low Rate Credit Card
St.George Gold Low Rate Credit Card
$0 Annual Fee For First Year
  $79Save $79 15.99% -
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Bank of Melbourne Gold Low Rate Credit Card
Bank of Melbourne Gold Low Rate Credit Card
$0 Annual Fee For First Year
  $79Save $79 15.99% -
Go to site
BankSA Gold Low Rate Credit Card
BankSA Gold Low Rate Credit Card
  $79 15.99% -
Go to site
Bankwest Breeze Gold MasterCard
Bankwest Breeze Gold MasterCard
0% Purchases + Balance Transfers
  $89Current Deal 0%
for 4 months
then 11.99%
0%for 6 months
Go to site
CUA Rewards MasterCard
CUA Rewards MasterCard
1 $90 21.74% 1.9%for 6 months
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Commonwealth Bank Low Fee Gold Credit Card
Commonwealth Bank Low Fee Gold Credit Card
0% Purchase Rate for 5 Months
  $90Current Deal 0%
for 5 months
then 19.74%
5.99%for 5 months
More details...
Suncorp Bank Clear Options Gold Credit Card
Suncorp Bank Clear Options Gold Credit Card
Annual Fee Halved & 0.9% Balance Transfers
1 $120Save $61 20.50% 0.9%for 12 months
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Commonwealth Bank Low Rate Gold
Commonwealth Bank Low Rate Gold
0% Purchase Rate for 5 Months
  $120Current Deal 0%
for 5 months
then 12.99%
5.99%for 5 months
More details...
Bankwest More MasterCard Gold
Bankwest More MasterCard Gold
8,000 Bonus Points Offer
1.5 $120Current Deal 19.49% 0%for 6 months
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Bankwest Qantas MasterCard Gold
Bankwest Qantas MasterCard Gold
4,000 Bonus Points Offer
0.5 $130Current Deal 19.49% 0%for 6 months
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Commonwealth Bank Gold Awards Credit Card
Commonwealth Bank Gold Awards Credit Card
with Qantas Direct Earn Option
0% Purchase Rate for 5 Months
up to2 $144Current Deal 0%
for 5 months
then 20.24%
5.99%for 5 months
More details...
American Express Velocity Gold Card
American Express Velocity Gold Card
Half Annual Fee + 15,000 Bonus Points
up to2.5 $199Save $100 20.74% -
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American Express Qantas American Express Premium Credit Card
American Express Qantas American Express Premium Credit Card
7,500 Bonus QFF Points Offer
1.25 $249Current Deal 20.74% -
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About Gold Credit Cards

Gold credit cards are often viewed as a symbol of prestige and are deemed a step up from a basic credit card. However, a gold 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 gold credit cards carefully to ensure you are receiving the best deal. 

Benefits of Gold Credit Cards

Not all gold 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 Gold Credit Card

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

Gold Credit Card Annual Fees

As with any finance decision it is crucial that you compare gold 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 gold credit cards are generally around the $100 to $200 mark but can push up much higher. Each different gold credit card will offer a different set of benefits and the annual fee often reflects the quality of benefits received. 

Reward Points on Gold Credit Cards

Often gold 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 the best deal.

Why compare Gold Credit Cards?

What is the best gold credit card? There are a number of banks and lenders in competition to offer you the best gold credit card service. The deals offered 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 Gold 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

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

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

WhistleOut may receive a commission from some credit card providers.

 

Credit Card Deals

Credit Card Deals Wrap-Up: May Edition

Credit Card Deals Wrap-Up: May Edition

Editor's overview of all big special offers and deals on Credit Cards in May.

$0 Annual Fee & 0% p.a. on Purchases For 5 Months

$0 Annual Fee & 0% p.a. on Purchases For 5 Months

3.99% for 6 months on balance transfers, 0% purchases for 5 months, and no annual fee for first year!