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Gold and Platinum Credit Card Offers for May

Credit Card Purchase Rate Balance Transfer
Interest Free Days Reward Points Card Fee  
ANZ Platinum Credit CardANZ Platinum Credit Card 0% p.a
(for first 6 months)		 0% p.a
(for first 6 months)		 Up to 55 days No FREE
(for first year)		 Apply Now
CitiBusiness Gold CardCitiBusiness Gold Card 0% p.a
(for first 4 months)		 0% p.a
(for first 4 months)		 Up to 55 days $1 = 1.25 points $74
(half price for first year)		 Apply Now
Bankwest Zero Platinum MasterCardBankwest Zero Platinum MasterCard 0% p.a
(for first 6 months)		 4.99% p.a
(for first 9 months)		 Up to 55 days No FREE Apply Now
Citibank Clear Platinum Credit CardCitibank Clear Platinum Credit Card 0% p.a
(for first 6 months)		 0% p.a
(for first 6 months)		 Up to 55 days No $49
(for first year)		 Apply Now
BoQ Low Rate Credit CardBoQ Low Rate Credit Card 0% p.a
(for first 3 months)		 0% p.a
(for first 3 months)		 Up to 55 days No $27
(for first year)		 Apply Now
Bankwest Zero Gold MasterCardBankwest Zero Gold MasterCard 0% p.a
(for first 6 months)		 4.99% p.a
(for first 9 months)		 Up to 55 days No FREE Apply Now
St.George Platinum VisaSt.George Platinum Visa 15.99% p.a
 3.99% p.a
(for the first 6 months)		 Up to 55 days No $89 Apply Now
BankSA Platinum VisaBankSA Platinum Visa 15.99% p.a
 3.99% p.a
(for the first 6 months)		 Up to 55 days Exclusive Platinum card program offered by Visa $89 Apply Now
St.George Gold Low Rate Credit CardSt.George Gold Low Rate Credit Card 15.99% p.a
 % p.a
 Up to 55 days No $79 Apply Now
Bankwest More Platinum MasterCardBankwest More Platinum MasterCard 18.99% p.a
 4.99% p.a
(for first 9 months)		 Up to 55 days $1 = up to 2 points. 20,000 Bonus Points on activation $190 Apply Now
Bankwest More Gold MastercardBankwest More Gold Mastercard 19.24% p.a
 4.99% p.a
(for first 9 months)		 Up to 55 days $1 = up to 1.5 points. 5,000 Bonus Points on activation $120 Apply Now
NAB Gold Credit CardNAB Gold Credit Card 19.49% p.a
 1% p.a
(for first 12 months)		 up to 44 days No $90 Apply Now
ANZ Qantas Frequent Flyer PlatinumANZ Qantas Frequent Flyer Platinum 19.89% p.a
 % p.a
 Up to 55 days Up to 1.5 points per $1.<br /> Get 20,000 Qantas points on approval. $295 Apply Now
Suncorp Clear Option Gold CardSuncorp Clear Option Gold Card 20.5% p.a
 0% p.a
(for first 6 months)		 Up to 55 days 1 Reward point for every $1 spend $60
(for first year then $120)		 Apply Now
BoQ Platinum CardBoQ Platinum Card 20.74% p.a
 1.9% p.a
(for first 6 months)		 Up to 55 days $1 = 2 Q Rewards Points $99
(half the fee for life of card)		 Apply Now

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Gold and Platinum Credit Cards Explained

Prestige credit cards such as gold and platinum cards are credit cards offered by card issuers which provide additional benefits to their most intensive borrowers. Gold and Platinum  credit cards often provide a superior level of service and extra service offerings usually in exchange for an additional fee. In some cases, Gold and Platinum cards are only offered to a limited set of people, who are specially invited to apply for the card, usually based on their income level and credit score, although the exclusivity of these programs is reducing all the time.

The actual amount of additional benefits one can receive from holding gold and platinum cards vary between card issuers, however there are a few generalized rules. Gold cards tend to offer personalized rewards schemes which are more comprehensive than standard credit cards. Gold cards also tend to offer insurance which substantially different from that offered by a standard credit cards .Platinum cards sometimes offer personalized concierge services, with dedicated relationship managers that can be contacted by phone. Gold and Platinum card holders usually also have access to exclusive offers from retailers that are only available to the card holders. 

Gold and Platinum cards offer services tend to be valuable to consumers who take the card. Typically these cards offer much higher credit limits, and higher cash advances, but at the cost of a higher fee than that associated with standard credit cards.

 

Related Gold and Platinum Credit Card News

Citibank Emirates Card Very Compelling Balance Transfer And Frequent Flyer Program

Global banking giant Citibank is currently running an extremely compelling offer on their Citibank Emirates card.

The Citbank card has a great deal on balance transfers, with a rough annual interest rate of 2.9 per cent, and perhaps the best feature is that card holders earn 3 Skyward Miles, which is the Emirates Airlines frequent flyer program for every $1 spent (normally is just 1.5 miles per dollar spent).

Nine Credit Card Pitfalls

Nine Credit Card Pitfalls

No matter how responsible you are when it comes to credit cards, they still come with a number of pitfalls. As soon as you navigate your way past one, yet another emerges. Here are 9 credit card pitfalls.

The Debt That Never Ends. The minimum payment on many credit cards barely meet the interest being incurred on your debt, which means if you only ever make the minimum, you’re debt will never reduce and seem to be endless. Occasionally a card will be offered with such a low minimum monthly payment, that your debt ends up actually growing.

Nine More Credit Card Pitfalls

Nine More Credit Card Pitfalls

In the first part of this series we looked at nine credit card pitfalls. As we said previously, even for the most responsible users credit cards represent a minefield so here are nine more pitfalls you should be aware of.

Insurance offers that credit cards tend to present are horribly over-priced. You should avoid signing up to these and instead look on the internet for a better deal.