Gold Credit Cards | Compare, Review & Apply Online

Gold Credit Cards

Gold cards are not just about prestige – they offer added features regular cards don’t, but they come at a premium, and not just anyone can get them.

14 reviews
Receive 15,000 Membership Rewards points or 7,500 Qantas Points when you apply online, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn up to 3 Reward Points per $1 spent at major supermarkets and petrol stations, 2 Reward Points per $1 spent at David Jones, and 1 Reward Point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
People are happy
Rated 4.8 out of 5 for customer satisfaction.
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My monthly spend: 
$5,000
 
Features: 
All features
Types: 
All types
balance transfer
purchase rate
annual fee
Points earned
Receive 15,000 Membership Rewards points or 7,500 Qantas Points when you apply online, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn up to 3 Reward Points per $1 spent at major supermarkets and petrol stations, 2 Reward Points per $1 spent at David Jones, and 1 Reward Point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
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20.74% p.a.
ongoing
$99
ongoing
24 hour, 7 day Platinum Concierge Service.
7 types of complimentary insurances including overseas travel insurance.
0% p.a. for 6 months on balance transfers. (2% balance transfer fee applies). Reverts to cash advance rate.
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6 months
0% p.a.
then 21.74%
with a 2% fee
19.74% p.a.
ongoing
$90
ongoing
115,000 annual bonus points when you spend $84,000 on eligible purchases in the year.
Earn up to 2.5 pts per $1 spent on eligible purchases.
Enjoy ten airport lounge passes per year with LoungeKey.
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6 months
0% p.a.
then 19.99%
with a 1% fee
19.99% p.a.
ongoing
$270
ongoing
Commonwealth Bank Low Rate Gold Credit Card
Apply by 29 feb 20
13 reviews
0% p.a. on purchases for 15 months (terms and conditions apply).
$89 p.a. annual fee.
Low ongoing purchase interest rate of 13.24% p.a.
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5 months
5.99% p.a.
then 21.24%
with a 0% fee
15 months
0% p.a.
then 13.24%
$89
ongoing
Emirates Citi World Mastercard
Apply by 31 dec 19
4 reviews
Earn up to 60,000 Skyward Miles (Spend criteria applies).
One complimentary chauffeur-drive service per year to and from the airport when flying Emirates.
Spend up to $3,000 per statement period, and then 0.5 Skywards Miles per A$1 spent up to $10,000 per statement period.
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9 months
0% p.a.
then 22.24%
with a 0% fee
21.49% p.a.
ongoing
$149
1st year
then $299
$0 p.a. annual fee. You can’t get better than that!
Low ongoing interest rates on purchases and cash advances.
Credit limits start at $1,000
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-
11.55% p.a.
ongoing
$0
ongoing
No added annual fee for additional cardholders.
Interest free days of up to 55 days.
Complimentary purchase cover on personal purchases and guaranteed pricing scheme.
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-
20.50% p.a.
ongoing
$120
ongoing
 
in 12 mths (approx.)

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Q&As about Gold Credit Cards from customers

Who is the typical gold card user?

They are designed for the Australian resident or citizen over 18 who has a great credit history, an income of $25,000 p.a or more, spends enough to benefit from a rewards program and is looking for good security features and perhaps some handy travel extras.

What are the main features?

Common features and benefits include a rewards program with which you can earn points (and redeem them for flights, merchandise, gift cards, fuel, cash back and more), security features like fraud protection, complimentary travel insurance if you book your travel with your card, purchase protection, and extended warranty on items bought with a card. This warranty can cover against theft, loss or accidental damage for a period of time (usually 3 months). Most gold cards even offer their members a special number for legal or medical aid while travelling overseas.

Is a gold rewards credit card a good idea if I don’t pay my balance off in full each month?

No it’s not. Because of the higher interest rates (though many still have quite competitive rates), these cards are better suited to people who spend and repay faithfully. You’ll quickly rack up debt and affect your credit rating.

How can I maximise the potential benefits?

With a gold card, maximising the card usually means buying everything you can on it to earn maximum points and then paying it right back. You should also make sure your points don’t expire. Take advantage of whatever perks you are offered: Paying for travel expenses on your card will get you the complimentary travel insurance, which can save you hundreds instantly, and shopping with your card gives you greater protection than any other way of making purchases because of the security features.

How can I earn more points?

Pick a card with the best rewards program for your spending. Some programs earn you air miles or flyer points, but if you don’t travel, you’ll probably want a rewards program with which you can redeem your points in other ways. Beware that not all points are worth the same, so a rewards program with which you earn 2 points per $1 spent, may not always be better than a program with which you earn 1.5 points per $1 spent because each point on the 2 points per $1 spent program may be worth less than the other program. Use maths to determine the value of points. Find the retail price of the product you want online and work out what a point is worth based on the points the rewards program is charging for the item but bear in mind that a point can be worth different amounts on different items.

What is 'points capping’?

The maximum amount of reward points you could earn during a given year is typically capped – usually pretty high for the average spender, but check to make sure you’re not going to be held back in any significant way.

Do reward points expire?

It all depends on the rewards program. Most these days don’t, especially on a gold card, but always read the fine print. If they do, make sure you’ll be able to earn enough points and spend them within the set period.

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People are happy

Rated 4.8 out of 5 for customer satisfaction.
"Absolutely love this site... it's the best and most updated going. Instant online chat and advice. Thanks!"
S. Hucker, NSW
""Helpful, polite and responsive experience!""
Stephen, NSW
"Thanks Credit Card Compare! The customer service that was provided to me was efficient and courteous. They were able to quickly assist me with my issues and point me in the right direction. Thanks again!"
Andrew, NSW
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