Credit Cards With Price Protection
Compare credit cards with price protection guarantees to avoid overpaying for important store purchases.
Comparing of 4 credit cards with price protection
On Bankwest's website
Balance transfer
24 months at 0% p.a.
Purchase rate
12.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$59.00 p.a. ongoing
Details
- Move your balance with 0% interest p.a. for 24 months, plus a 3% transfer fee. After that, it shifts to 12.99% p.a.
- Shop online or overseas without foreign transaction fees.
- You and your family get free overseas travel insurance as a handy extra.
Pros & cons
Pros
- Enjoy 0% interest p.a. on balance transfers for 24 months.
- Keep ongoing purchase interest low at 12.99% p.a.
- Pay a modest annual fee of $59 p.a.
- Add up to 3 extra cardholders for free.
- Get up to 55 days interest-free on purchases.
- Start with a credit limit as low as $6,000.
- Lock your card quickly if needed through the Bankwest App.
- Spread up to five purchases over four monthly payments at 0% interest with Easy Instalment Plans.
Cons
- This card has no rewards program.
- Balance transfers come with a 3% fee.
- Cash advances attract 21.99% interest p.a.
On Bankwest's website
Balance transfer
9 months at 2.99% p.a.
Purchase rate
19.99% p.a. ongoing
Interest-free days
Up to 44 days on purchases
Annual fee
$199.00 p.a. ongoing
Details
- Start strong with up to 80,000 bonus Qantas Points. Spend $7,500 on eligible purchases in the first 90 days and keep your card open for over 15 months to claim them. This is a limited-time deal for new customers only, with terms and conditions that apply.
- Earn 0.6 Qantas Points for every dollar on your first $2,500 spent each month on eligible purchases, then 0.3 points per dollar after that.
- Enjoy free overseas travel insurance for you and your family when you book flights using this card.
- Pay no foreign transaction fees on purchases made online or overseas.
Pros & cons
Pros
- Grab 80,000 bonus Qantas Points once you meet the criteria.
- Get extra cover with extended warranty and purchase security insurance, where conditions apply.
- Build Qantas Points without any cap.
- Save $99.50 on a free Qantas Frequent Flyer membership that comes with the card.
- Transfer balances at 2.99% p.a. for 9 months, with 0% transfer fee.
- Add up to 4 extra cards at no cost.
- Set up easy instalment plans at 0% interest.
Cons
- Some other rewards cards give higher points per dollar.
- The $199 yearly fee has no waiver option.
- Cash advances cost 21.99% p.a.
- Purchases get up to 44 days interest-free.
Balance transfer
N/A
Purchase rate
N/A
Interest-free days
Up to 55 days on purchases
Annual fee
$1,750.00 p.a. ongoing
Details
- New customers can earn 300,000 bonus Membership Rewards points. Apply by 13 January 2026, get approved and spend $12,000 on eligible purchases in the first 3 months.
- Pay an annual fee of $1,750 each year.
- Earn up to 2.25 points for every dollar spent on eligible purchases.
- Access special Platinum perks for travel, events and dining to make business smoother.
Pros & cons
Pros
- Claim 300,000 bonus Membership Rewards points when you meet the spend requirements.
- Pick up to 2.25 points per dollar on spending, plus one point per dollar at the ATO.
- Enter over 1,400 airport lounges worldwide, including The Centurion Lounge.
- Unlock Gold status with Marriott Bonvoy and Hilton Honors, plus Premium status at Radisson Hotel Group.
- Use the Amex Experiences App for details on Platinum perks, travel deals, events and top merchants.
- Add up to 99 employee cards at no extra cost.
Cons
- The annual fee sits at $1,750 after the first year.
- As a charge card, you must pay the full balance each statement period.
- No option for balance transfers.
On American Express' website
Balance transfer
N/A
Purchase rate
N/A
Interest-free days
Up to 44 days on purchases
Annual fee
$1,450.00 p.a. ongoing
Details
- Earn 200,000 bonus Membership Rewards Points when you apply by 2 December 2025, get approved, and spend $5,000 on your new Card within the initial 3 months. T&Cs apply. Exclusive to New Amex Card Members.
- This card includes comprehensive travel insurance, covering trip cancellations, travel delays, lost baggage, medical emergencies, and more—giving you peace of mind when you’re on the go.
- Receive a $450 Platinum Travel Credit annually for flight, hotel, or car rental bookings.
- Get up to $400 each year to use at over 1,400 carefully selected restaurants worldwide, making dining out a little more rewarding.
Pros & cons
Pros
- Get 200,000 Bonus Membership Rewards Points when you meet the criteria.
- Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
- Transfer points to 12 major Airline Reward Partner programs, including Qantas Frequent Flyer, Virgin Australia Velocity Frequent Flyer, and Air New Zealand Airpoints.
- You can also transfer points to Hilton Honors and Marriott Bonvoy.
- Receive a complimentary Accor Plus membership valued at $399
- Access to more than 1,400 lounges globally, including The Centurion® Lounge.
- Shop with confidence knowing your purchases are protected. Get up to 12 months of extended warranty on eligible items, coverage for theft or damage, and a refund guarantee if a store won’t accept your return. You’re also safeguarded against unauthorized transactions with a Fraud Protection Guarantee.
- Use the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.
- Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
- The annual fee is $1,450, which may seem high, but for those who maximize the card’s premium perks—like travel insurance, dining credits, and purchase protections—it could be a worthwhile investment.
- A 3% fee applies to overseas transactions and online purchases.
