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Gold Credit Cards

Known for their many benefits and perks, gold credit cards are perfect for someone looking for a card offering more rewards and custom services. With a gold credit card you'll get access to benefits like free travel insurance, purchase cover, frequent flyer points and contents insurance. It should be noted that gold cards are for people with a good credit history, above average annual income. Credit cards like these also typically have a higher interest rate and annual fee.
Citibank Gold Card
Citibank Gold Card
  • 1.9% p.a. on balance transfers for 9 months
  • Up to 55 days interest free
  • Complementary rewards program
  • Complementary international travel insurance
  • Complementary purchase cover insurance
  • Access to Citibank World Privileges
  • Generous credit limit up to $25,000
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 20.49% p.a.* $119* 1.9% p.a. for 9 months*


CitiBusiness Gold Card
CitiBusiness Gold Card
  • 2.9% p.a. for 9 months on balance transfers
  • 5,000 bonus Rewards points after your first retail spend
  • Earn 1.25 reward points for every $1 spent on the card
  • Generous credit limit of up to $60,000
  • Complimentary Business Concierge service
  • Complimentary International Travel Insurance
  • Up to 55 days interest free on retail purchases
  • 20.99% p.a. on cash advances
  • $130 annual fee with $30 extra for every supplementary card
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 20.49% p.a.* $130* 2.9% p.a. for 9 months*


ANZ Gold Visa Card
ANZ Gold Visa Card
  • Overseas Travel and Medical Insurance
  • 90-day Purchase Security Insurance
  • $87 annual account fee
  • Up to 55 days interest free credit on purchases
  • Access to ANZ Gold Liberty 24hr global travel service
  • Commission free traveller's cheques when purchased through any ANZ branch in Australia.
  • Full travel benefits
  • Credit limit up to $25,000
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 18.24% p.a.* $87* 7.99% for first 6 months*


Commonwealth Bank Gold Card
Commonwealth Bank Gold Card
  • Earn 1.5 Awards points for every $1 spent with American Express
  • Emergency Travel Assistance for Commonwealth Bank American Express Cards
  • globaleshop by American Express lets you shop at any online store in the US that doesn't normally accept your Australian credit card or won't normally deliver to an Australian address
  • American Express Selects
  • Internet fraud loss protection
  • Secure Internet Shopping
  • Enhanced chip protection with your MasterCard card
  • Emergency card replacement and cash advances
  • Access to MasterCard applause
  • MasterCard Global Service
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% Intro APR* Up to 55 Days* 19.49% p.a.* $144* 5.99% p.a. for 5 months*


American Express Gold Choice Credit Card
American Express Gold Choice Credit Card
  • $1 spent = 1 Membership Rewards Choices point. There's no cap or expiry of points as long as your Card account remains current1.
  • Enjoy Complimentary enrollment in Membership Rewards Choices
  • An annual Card fee of only (or just) $49 p.a.
  • Up to 55 days interest free
  • Interest rate of 19.99%
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 19.99%* $49* *


ANZ Visa Rewards Gold Credit Card
ANZ Visa Rewards Gold Credit Card
  • Up to 55 days interest free credit on purchases
  • Low annual fee of $57 + $22 Rewards Program Services Fee per card issued on the account
  • 7.99% Balance transfer rate for the first 6 months
  • 18.74% on purchases and 19.99% on cash advances
  • Earn one reward point for every $1.50 spent on purchases (excluding cash equivalent transactions). Maximum spend of $100,000 per card account per calendar year
  • Earn Bonus Reward Points at Bonus Partners Australia-wide - Earn up to three Bonus Reward Points per $1 spent at Bonus Partners Australia-wide.
  • Frequent flyer redemptions
  • ANZ Holiday Rewards - full service travel agent over the phone
  • Commission free travellers cheques
  • Purchase security insurance
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 18.74% p.a.* $79* 7.99% p.a. for 1st 6 months*


CUA Gold Rewards MasterCard Credit Card
CUA Gold Rewards MasterCard Credit Card
  • Earn 1 Reward Point for every $1 spent on your card - Giving you more points every time you spend on your card, and with no points expiry, you have all the time you need to make your choice.
  • Superior Rewards Program at no additional cost - Redeem reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more.
  • Generous Credit Limits? - Up to $25,000 on the Gold MasterCard.
  • Low Annual Fee - A low annual fee of just $86 for the CUA Gold MasterCard with Card Services Rewards, with up to 4 additional cards.
  • Complimentary International Travel Insurance on Gold - For you and your family when you buy overseas travel on your CUA Gold MasterCard with Card Services Rewards.
  • Complimentary Purchase Cover - Complimentary insurance on any new items that are lost, stolen or damaged within three months of purchase using your CUA MasterCard with Cards Services Rewards.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 Days* 18.74% p.a.* $86* 2.9% p.a. for 9 months*


IMB Gold Rewards MasterCard
IMB Gold Rewards MasterCard
  • Earn 1 Reward Point for every $1 spent on your card
  • Superior Rewards Program at no additional cost
  • Generous Credit Limits (Up to $25,000)
  • Low Annual Fee
  • Complimentary International Travel Insurance on Gold
  • Complimentary Purchase Cover
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 Days* 18.74% p.a.* $99* 2.9% p.a. for 9 months*


HSBC Gold Credit Card
HSBC Gold Credit Card
  • $0 annual fee in the first year
  • Complimentary travel Insurance - this could save you hundreds of dollars
  • Locking in 5 purchases a year (from $500 each) at either a lower interest rate of 10.99% p.a. for 120 days or up to 90 days interest free
  • Up to 45 days interest-free period on standard purchases
  • Enjoy a low introductory interest rate of 5.99% p.a. for 6 months when you transfer balances from other credit and store cards
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 45 days* 18.99% p.a.* 0%* 5.99% for 6 months*