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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 12 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* 20.74% p.a.* $149* 1.9% for 12 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
  • $74 annual fee for the first year 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.* $74* 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* 18.99% p.a.* $87* 7.99% for first 6 months*


ANZ Gold Frequent Flyer Card
ANZ Gold Frequent Flyer Card
  • One shared account, one total annual fee, one monthly statement and one credit limit for both credit cards.
  • Earn 1.25 point per $1 spent on purchases using the ANZ American Express® card
  • Earn 1 point per $2 spent on purchases using the ANZ Visa card
  • Uncapped Qantas Frequent Flyer points earning
  • Interest rate of 19.49% p.a. on purchases and 20.74% p.a. on cash advances
  • $195 annual fee
  • Up to 55 days interest free credit on purchases
  • Minimum credit limit of $5,000
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 days* 19.49% p.a.* $195* None*


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* *


Commonwealth Bank Gold Card
Commonwealth Bank Gold Card
  • Earn 1.5 Awards points for every $1 spent with American Express
  • First year annual fee waived for qualifying customers who apply online
  • 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* 20.49% p.a.* $144* 5.99% p.a. for 5 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 $85 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* 19.24% p.a.* $85* 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* 19.24% p.a.* $99* 2.9% p.a. for 9 months*


Suncorp Gold Card
Suncorp Gold Card
  • 2.9% p.a. for 12 months on balance transfers.
  • Complimentary Rewards Program with points that never expire and earn 1 Reward point for every $1 spend.
  • The option of earning Qantas Frequent Flyer points.
  • Earn 2 Qantas Frequent Flyer points for every $3 spent.
  • Complimentary International Travel Insurance - The escape to a well deserved break with complimentary International Travel Insurance for you and your immediate family.
  • Complimentary Purchase Cover Insurance for lost, stolen or damaged goods.
  • Generous credit limit of up to $25,000.
  • Special offers through Visa Entertainment, which brings the best entertainment experiences from concerts and cinema to sporting events and travel offers.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 19.75% p.a.* $99* 2.9% p.a. for 12 months*


Macquarie Visa Gold Card
Macquarie Visa Gold Card
  • 1 Reward point per dollar spent, with no expiry
  • Redeem your points for a wide variety of rewards including flights on all major airlines, anywhere, any time (Subject to availability), gift cards, electronics and special experiences.
  • Peace of mind with complimentary international travel insurance, extended warranty, and 90 day purchase protection insurance
  • Financial flexibility with up to 55 days interest free on purchases
  • Access to offers and discounts through Visa Entertainment
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 20.45% p.a.* $100* None*


HSBC Gold Credit Card
HSBC Gold Credit Card
  • $89 annual fee
  • 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 19.50% 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 0% p.a. for 6 months when you transfer balances from other credit and store cards
  • Earn Rewards Points for every dollar you spend with our Rewards Plus program
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 45 days* 19.50% p.a.* $89* 0% for 6 months*


American Express Gold Ascent Credit Card
American Express Gold Ascent Credit Card
  • Rated 5 stars by Canstar Cannex
  • $0 Annual Card Fee
  • $2 spent = 1 Membership Rewards Point
  • 24/7 online account access with online statement available
  • Online Fraud Protection
  • Access hundreds of destinations with our 7 airline rewards partners
  • Fly with Singapore Airlines, Virgin Atlantic & Virgin Blue. Where 1 Membership Rewards point = 1 airline rewards point.
  • Take to the skies with Cathay Pacific, Malaysia Airlines & Thai Airways International. Where 4 Membership Rewards points = 3 airline rewards points.
  • Travel with Air New Zealand Airpoints. Where 100 Membership Rewards points = 1 Airpoints Dollar
  • Enjoy Complimentary enrollment in Membership Rewards Ascent. And earn points for premium rewards.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 44 days* 20.49% p.a.* $0* None*


BoQ Gold Visa Credit Card
BoQ Gold Visa Credit Card
  • Q Rewards program points allow you to fly all airlines including Virgin Blue, JetStar and Qantas at any time (subject to availability and confirmation).
  • Earn 1.75 Q Rewards Points for every $1 spent. Q Rewards points never expire.
  • Redeem Q Rewards Points for shopping vouchers from outlets such as Myer, David Jones, Hoyts and Village Cinemas, Toys R Us, Bunnings Warehouse and Dreamworld.
  • International travel insurance for everything from medical emergencies to lost luggage or missed flights
  • Purchase Cover Insurance on most new items you're covered against loss, theft or damage for three months
  • Priority 24-hour customer service on a dedicated Gold Visa card enquiries line
  • $1,000 daily cash advance limit through ATMs
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
-* Up to 55 days* 20.24% p.a.* $120* 1.9% p.a. for 6 months*