High Income Credit Cards | Review, Compare & Apply Online

High Income Credit Cards

This selection of credit cards for high income earners can open up a world of rewards, benefits, personalised service and travel perks.

15 reviews
100,000 bonus Qantas Points and $200 back when you spend $4,000 on eligible purchases in the first 3 months.
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period.
Get complimentary Overseas Travel and Medical Insurance (eligibility criteria apply) provided by QBE Insurance.

Australian credit card providers offer deals to suit all types of earner, but if you have an above average income you could be entitled to some of the very best cards available. High income earners can qualify for gold and platinum cards, and enjoy all the benefits that they offer such as free travel insurance, air miles, purchase protection insurance and much more. If you earn an above average wage, take the time to study our comparison table, find the best high income credit card to suit you, and apply online today.

balance transfer
purchase rate
annual fee
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Citi Clear Platinum Credit Card
Apply by 30 jun 19
16 reviews
Transfer your other banks’ credit card balances and enjoy 0% p.a. for 14 months (reverts to cash advance rate) with no balance transfer fee.
Get additional savings with its $0 annual fee for the first year offer ($99 p.a. thereafter).
Take advantage of the promotional purchase rate of 12.99% p.a..
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14 months
0% p.a.
then 21.74%
with a 0% fee
12.99% p.a.
ongoing
$0
1st year
then $99
American Express Westpac Altitude Black Credit Card Bundle® (Altitude)
Apply by 02 jun 19
Earn up to 120,000 bonus Altitude Points when you apply for the two-card bundle issued by Westpac and Amex until 2nd June 2019. (Conditions Apply)
Earn up to 5 Altitude points per $1 spent on eligible overseas purchases. (Amex)
Earn 1.25 Altitude Point per $1 spent on eligible purchases. (Westpac)
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-
20.24% p.a.
ongoing
$449
ongoing
Westpac Altitude Black Credit Card
Apply by 02 jun 19
42 reviews
80,000 bonus Qantas or Altitude points when you spend $3,000 on eligible purchases within 90 days of card approval. Exclusions apply. Qantas rewards fee applies.
2 complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
24/7 Altitude Black Card Priority Service line.
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-
20.24% p.a.
ongoing
$300*
ongoing
HSBC Platinum Credit Card
Apply by 30 apr 19
14 reviews
0% p.a. on balances transferred for 22 months, with no balance transfer fee.
$129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.*
Earn 2 pts per $1 spent on overseas purchases.
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22 months
0% p.a.
then 21.99%
with a 0% fee
19.99% p.a.
ongoing
$129
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.
2 x lounge passes for you and a guest for any Emirates Lounge in Australia.
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9 months
0% p.a.
then 21.74%
with a 0% fee
20.99% p.a.
ongoing
$149
1st year
then $299
Receive 30,000 Membership Rewards points or 15,000 Qantas Points when you apply, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn 4 Reward Points per $1 spent at David Jones, 3 Reward Points per $1 spent at major supermarkets and petrol stations 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
$295
ongoing
Virgin Australia Velocity Flyer Credit Card Points Offer
Apply by 30 apr 19
Earn up to 75,000 bonus Velocity Points (Spend Conditions Apply).
Save money with 0% p.a. for 18 months on balance transfers. (reverts to cash advance rate)
$129 Virgin Australia Gift Voucher which cardholders get each year.
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18 months
0% p.a.
then 20.99%
with a 0% fee
20.74% p.a.
ongoing
$64
1st year
then $129
American Express Westpac Altitude Black Credit Card Bundle® (Qantas)
Apply by 02 jun 19
Earn up to 120,000 bonus Qantas Points when you apply for the two-card bundle issued by Westpac and Amex until 2 June 2019. (Conditions Apply)
Earn up to 2 Qantas points per $1 spent on eligible overseas purchases. (Amex)
Westpac Mastercard® issued and serviced by Westpac. AMEX Westpac Altitude Card issued & serviced by American Express.
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-
20.24% p.a.
ongoing
$499*
ongoing
0% p.a. for the first 18 months on balance transfers with a 2% balance transfer fee on amounts transferred. Reverts to 21.49% p.a.
Up to 55 days interest free on purchases when you pay your account in full each month.
$0 annual fee for the first year (save $87).
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18 months
0% p.a.
then 21.49%
with a 2% fee
19.74% p.a.
ongoing
$0
1st year
then $87
Citi Rewards Signature Credit Card Points Offer
Apply by 31 mar 19
Earn up to 300,000 points. (Conditions Apply)
0% p.a. for 12 months on balance transfers with no balance transfer fee.
2 pts per $1 spent on selected purchases and receive a complimentary Priority Pass membership with two airport lounge visits per year.
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12 months
0% p.a.
then 21.74%
with a 0% fee
20.99% p.a.
ongoing
$195
1st year
then $395
Citi Signature Qantas Credit Card
Apply by 30 jun 19
Receive 50,000 bonus Qantas Points when you spend $2,000 within 90 days from card approval.
Redeem Points for Qantas Frequent Flyer travel, experiences and more.
0% p.a. for 6 months on balance transfers.
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6 months
0% p.a.
then 21.74%
with a 0% fee
20.99% p.a.
ongoing
$248
1st year
then $444
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Q&As about High Income Credit Cards from customers

Q: Why should I choose a gold or platinum credit card?

Just because you’re a high earner doesn’t mean you are obliged to opt for a gold or platinum credit card – you may prefer a basic card with no annual fee – but if you do qualify for gold or platinum you can enjoy a wide range of extra features and benefits that are generally unavailable to people with smaller incomes. Banks value their top-earning customers, and reward them with higher credit limits, reasonable interest rates and bigger spending power. These cards also offer a selection of features that you don’t find on standard cards.

Q: How much do I need to earn to qualify?

The banks normally require a minimum annual income for many of their cards. Some gold and platinum cards are available to people earning $30,000 or more per year, others require $50,000, while you need to be earning an annual income of at least $100,000 for some of the most prestigious products. To apply for a gold or platinum card you usually need an excellent credit history as well as a high income to qualify.

Q: What rewards schemes can I join?

When you choose a gold or platinum credit card you can gain access to number of different rewards programs such as frequent flyer programs and shopping rewards, and you often gain bonus points for joining these schemes or spending above a certain level. When you are comparing and selecting your new card it’s important to find one with a rewards scheme that aligns with your spending habits and offers rewards you want to make use of.

Q: What travel benefits are available?

Gold and platinum credit cards are often linked to frequent flyer programs in which you earn points and redeem them for all sorts of travel rewards including flights, accommodation, car rentals and other services. They also provide extra privileges such as a dedicated concierge service.

An important feature to consider when selecting a card is travel insurance. When you use your credit card to book and purchases travel expenses you and your family should be covered in the unfortunate event that anything goes wrong such as lost luggage, missed flights, theft and accidents. The insurance policies should extend to cover any medical or legal bills.

Q: What about insurance on my purchases?

Because of their typically higher credit limits, gold and platinum credit cards allow you to buy expensive products, and provide valuable insurance covers on these purchases. The specific type of protection depends on the credit card, but should include cover for accidental damage, loss and theft, and typically lasts for three months after the purchase is made. You can also enjoy the peace of mind of extended warranty on household appliances, applied after the manufacturers’ warranty has expired. With some cards you can even make use of price match – if you purchase an item and later find it cheaper elsewhere, the bank refunds the difference.

Q: What other protection is provided?

Security is an important concern for credit card users, especially if you are making big purchases, travelling and shopping online. Gold and platinum cardholders enjoy extra security measures including constant monitoring of activity on your account. If fraudulent purchases are made on your account you should receive a full refund. Some cards also have an added layer of security so if you become the victim of identity fraud the protection services help restore your credit profile.

Q: What other factors should I consider?

When you are comparing high income credit cards you should find one with extra features that suit your spending habits, offering rewards you can use and the right kind of insurance cover. It is also essential to study the all-important basics: the interest rates and annual fee. When comparing fees and rates you will also notice that these types of cards tend to have a significantly higher annual fee than other cards. The fees and rates that they attract are well worth it because of all the added value and rewards that the cardholder enjoys, but only if you pay off your account in full each month. If you are upgrading to a gold or platinum card and have a debt on an existing credit card you should consider the balance transfer rates and terms.

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