Credit Cards With Price Protection
Compare credit cards with price protection guarantees to avoid overpaying for important store purchases.
Comparing of 8 credit cards with price protection
Not available for application via this 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 8 July 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.
Not available for application via this website
Balance transfer
N/A
Purchase rate
10.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$0.00 p.a. ongoing
Details
- A 10.99% p.a. interest rate on purchases helps keep borrowing costs lower than other cards.
- Keep the card for as long as you like with a $0 annual fee.
- Add up to 4 extra cards for family or friends at no cost.
Pros & cons
Pros
- Get a Refund and Purchase Cover when you use your American Express Low Rate Credit Card for eligible purchases, adding an extra layer of protection.
- Split eligible purchases over $100 or part of your balance into equal monthly instalments. Choose from 3, 6, or 12-month terms with no interest—just a fixed monthly fee.
- Get up to 55 days interest-free on purchases, giving you more time to pay without extra costs.
- It supports Apple Pay, Google Pay, and Samsung Pay.
Cons
- This card does not come with a rewards program, which is expected for a low-rate option focused on keeping costs down.
- A 3% foreign currency conversion fee applies to overseas or online purchases.
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 45 days on purchases
Annual fee
$200.00 for 1st year
Details
- Earn up to 180,000 bonus Altitude Points. Receive 130,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
- Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
- Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Get 2 free Priority Pass lounge visits each year.
- Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros & cons
Pros
- Earn up to 180,000 bonus Altitude Points when you meet the criteria.
- The discounted annual fee for the first year.
- Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
- Earn 1.25 points per $1 spent on other eligible purchases.
- No limit on the points you can earn, which is great for high spenders.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- The high annual fee of $295 p.a. after the initial year.
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$99.00 for 1st year
Details
- Earn up to 120,000 Bonus Amplify Points. Get 90,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval and an extra 30,000 points after your first eligible purchase in year 2. Terms and Conditions apply.
- Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
- You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros & cons
Pros
- Earn up to 120,000 Bonus Amplify Points when you meet the criteria.
- No limit on the points you can earn, which is great for high-spenders.
- The discounted annual fee for the first year.
- Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$199.00 for 1st year
Details
- Earn up to 180,000 Bonus Amplify Rewards Points. Get 130,000 Bonus Amplify Rewards Points by spending $12,000 on eligible purchases in your first year. Plus an extra 50,000 points after your first eligible purchase in year 2. Terms and Conditions apply.
- Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
- Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Get 2 free Priority Pass lounge visits each year.
- Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros & cons
Pros
- Earn up to 180,000 Bonus Amplify Points when you meet the criteria.
- No limit on the points you can earn, which is great for high-spenders.
- The discounted annual fee for the first year.
- Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$199.00 for 1st year
Details
- Earn up to 180,000 Bonus Amplify Rewards Points. Get 130,000 Bonus Amplify Rewards Points by spending $12,000 on eligible purchases in your first year. Plus an extra 50,000 points after your first eligible purchase in year 2. Terms and Conditions apply.
- Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
- Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Get 2 free Priority Pass lounge visits each year.
- Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros & cons
Pros
- Earn up to 180,000 Bonus Amplify Points when you meet the criteria.
- No limit on the points you can earn, which is great for high spenders.
- The discounted annual fee for the first year.
- Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$99.00 for 1st year
Details
- Earn up to 120,000 Bonus Amplify Points. Get 90,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval and an extra 30,000 points after your first eligible purchase in year 2. Terms and Conditions apply.
- Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
- You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros & cons
Pros
- Earn up to 120,000 Bonus Amplify Points when you meet the criteria.
- No limit on the points you can earn, which is great for high-spenders.
- The discounted annual fee for the first year.
- Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
On Citi's website
Balance transfer
20 months at 0% p.a.
Purchase rate
14.99% p.a. ongoing
Interest-free days
Up to 44 days on purchases
Annual fee
$149.00 p.a. ongoing
Details
- 0% p.a. for 20 months on Balance Transfers with a 2% fee. Reverts to 22.24% p.a after the promotional period.
- Has a low ongoing purchase rate, making it more affordable for everyday spending.
- Access complimentary insurance for eligible products purchased with your Citi Credit Card. See Terms and Conditions here.
- Get up to 15% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026. See Terms and Conditions here.
This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.
Pros & cons
Pros
- Long interest-free balance transfer period (20 months).
- Pay your Monthly Mobile Plan bill with your Citi Clear Credit Card and you'll be covered for Accidental Damage and Theft.
- Add up to 4 cardholders for free, making it a great option for most families.
- My Cashback offers are personalised and require no opt-in or registration.
- Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026.
- Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
- 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
- Get a credit limit ranging from a minimum of $2,000 to a maximum of $100,000.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- No rewards program, but this card is about simplicity.
- High revert rate on balance transfers (22.24% p.a.) after the promotional period.
- Purchases have no interest-free days while there's a balance transfer.
