Credit Cards with Price Protection Guarantee | Compare Offers Online

Price Protection Guarantee

Get the best price on eligible purchases. Compare credit cards with a price protection guarantee to make sure you don’t overpay for important things you buy in stores.

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Rated 4.8 out of 5 for customer satisfaction.
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Virgin Australia Velocity Flyer Credit Card 0% p.a. Purchase Offer
Apply by 24 feb 20
2 reviews
0% p.a. for 14 months on purchases.
$129 Virgin Australia Gift Voucher each year.
Half annual fee in the first year (reverts to $129 p.a.).
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Yes
14 months
0% p.a.
then 20.74%
$64
1st year
then $129
Citi Rewards Platinum Card Balance Transfer Offer
Apply by 28 may 20
0% p.a. on balance transfers for 26 months which could help you get on top of things. A one-off 1.5% balance transfer fee applies.
Reduced annual fee of $49 p.a. in the first year, ($149 p.a. thereafter).
Earn 1 pt per $1 spent on eligible Domestic Spend in Australia, up to $10,000 per statement period.
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Yes
21.49% p.a.
ongoing
$49
1st year
then $149
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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Yes
19.74% p.a.
ongoing
$90
ongoing
HSBC Platinum Credit Card Balance Transfer Offer
Apply by 31 dec 19
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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Yes
19.99% p.a.
ongoing
$129
ongoing
Citi Clear Platinum Credit Card
Apply by 31 mar 20
16 reviews
Transfer your other banks’ credit card balances and enjoy 0% p.a. for 9 months (reverts to cash advance rate) with no balance transfer fee.
Take advantage of the promotional purchase rate of 0% p.a. for 9 months.
Get additional savings with its $0 annual fee for the first year offer ($99 p.a. thereafter).
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Yes
9 months
0% p.a.
then 14.99%
$0
1st year
then $99
0% p.a. for the first 18 months on balance transfers with a 2% balance transfer fee on amounts transferred. Reverts to 20.24% 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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Yes
20.24% p.a.
ongoing
$0
1st year
then $87
No foreign transaction fees on purchases when travelling or shopping online.
Free Global Wi-Fi at more than 1 million hotspots worldwide.
$0 annual fee.
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Yes (optional)
21.99% p.a.
ongoing
$0
ongoing
Receive 120,000 bonus Qantas points and $275 back with your new ANZ Rewards Black card (terms and conditions apply).
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period.
Get complimentary International Travel Insurance (eligibility criteria apply) provided by Allianz Insurance.
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Yes
20.24% p.a.
ongoing
$425
ongoing
Receive 150,000 points with your new ANZ Rewards Black card (terms and conditions apply).
Free International Travel Insurance.
Eligibility criteria, T&Cs, fees and charges apply.
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Yes
20.24% p.a.
ongoing
$375
ongoing
Bank of Melbourne Vertigo Platinum Credit Card
Apply by 12 feb 20
3 reviews
Enjoy 0% p.a. for 15 months. Reverts to purchase rate, thereafter.
Reduced annual fee of $49 p.a. for the first year ($99 p.a. thereafter).
Complimentary overseas travel insurance and extended warranty on purchases.
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Yes
15 months
0% p.a.
then 12.99%
$49
1st year
then $99
Receive 50,000 bonus Qantas points and $195 back with your new ANZ Rewards Black card (terms and conditions apply).
Complimentary Qantas Frequent Flyer Membership.
Eligibility criteria, T&Cs, fees and charges apply.
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Yes
20.24% p.a.
ongoing
$295
ongoing
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Q&As about Price Protection Guarantee from customers

Do all credit cards have a price protection guarantee scheme?

No. A price protection guarantee scheme is normally just one item in a suite of insurance policies often accompanying premium cards with a high annual fee. However, some lower-priced cards, or even cards with no annual fee at all, may have a price protection program as part of a “shoppers’ insurance” group of policies alongside purchase protection and extended warranty. But many cards have no insurance cover at all.

Can I get a price difference refund against an online purchase?

Most unlikely. Price protection schemes are designed for purchases made from a bricks-and-mortar retail store located in Australia.

Can I get a price difference refund if I purchase in a store, then see a lower price online?

No. The scheme’s conditions will normally exclude any prices advertised only online. However, you may see a price advertised online by a retailer who also has a physical store within 25 km of your original purchase, so it’s worth checking to see if they have issued a printed catalogue specifying the same low price.

What if I see a lower price advertised in print a few hours’ drive away?

You probably won’t be able to make a claim. Most policies specify that the item must be available at the lower advertised price in a store not more than 25 km from the store where the original purchase was made.

What if I see a lower price for an item which is almost the same as, or better than, the one I purchased?

You will not be able to make a claim. The item in question must be identical to the one you purchased in all respects: the same manufacturer, and exactly the same model number.

How long do I have in which to make a claim?

Most policies will specify that the price difference refund claim must be submitted no more than 21 days after the original purchase.

Can I get a price refund on a lower price for a car?

No. Motor vehicles are usually amongst the items specifically excluded from the policy (along with jewellery, collectibles and works of art).

Can I get a refund on a price difference of $2,000 or more?

The policy applicable to your card will have a maximum claim limit, often as low as $300 but occasionally as high as $1,000. Being able to make a claim for more than $1,000 on a single item is unlikely, unless you have a policy for which you have paid a premium.

Can I get a refund for a price difference of $50?

Very unlikely. Most policies will have a minimum claim limit involving a price difference of at least $75.

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