If you want a credit card that gives you more, then take a look at what these gold cards can offer. Whether you want a low interest rate, low balance transfers or a great range of rewards, there are many excellent options to choose from. Gold cards can also offer a range of insurance options and other benefits, so check out the features on each of these cards to decide which is best for you!
|Rating||Product Name||Purchases||Balance Transfer||Annual Fee|
|19.49%p.a.||1.00%12 months||$90||Apply NowMore Info+ Shortlist|
|NAB's Premium Card offers 1% p.a. on balance transfers for 12 months with a range of gold benefits including extensive free insurance.|
|15.99%p.a.||n/a||$0||Apply NowMore Info+ Shortlist|
|St.George Gold Low Rate credit card offers a low standard purchase rate for a gold credit card with a range of complimentary gold benefits, and $0 annual fee in the first year.|
|0%for 5 months||5.99%5 months||$120||Apply NowMore Info+ Shortlist|
|A gold card with a low standard purchase rate, all the prestige and benefits of gold can be enjoyed with less interest on purchases.|
|0%for 5 months||5.99%5 months||$144||Apply NowMore Info+ Shortlist|
|Commonbank Awards Gold Card offers a low balance transfer rate with up to 2 points earned per $1 spent, extended warranty, purchase security and international travel insurance|
|19.99%p.a.||3.99%6 months||$150||Apply NowMore Info+ Shortlist|
|Westpac Altitude Business Gold offers 3.99% p.a. for 6 months on balance transfers and earn up to 1 altitude point for every $1 spent.|
|n/a%-||n/a||$169||Apply NowMore Info+ Shortlist|
|A charge card - apply online for 10,000 Membership Rewards Bonus points, earn up to 1 rewards point per $1 spent and receive up to 51 credit free days.|
|20.74%p.a.||n/a||$199||Apply NowMore Info+ Shortlist|
|The Velocity Gold Offers 15,000 bonus Velocity Points with half annual fee for the first year, save $100.|
Offering a range of features and benefits not found on standard credit cards, Gold cards are a great option if you want something extra from your card. To be approved for this type of card, you will need to meet the minimum income requirement – which is usually higher than standard credit cards – and you will have to have a good credit history.
Gold card benefits can include complimentary insurances. These can be perfect for frequent travelers, offering overseas travel insurance, transit accident insurance, and emergency assistance. Insurances offered can also provide more security when you are shopping, with purchase protection, pricing guarantees, and extended warranty.
Apart from the prestige of having a Gold card, you can also enjoy higher credit limits, and if you choose a Gold rewards card, you will usually enjoy a higher points earning potential as well. With this type of card, you may also find that there is a higher level of customer assistance, and there may even be a concierge service.
If you are looking for a Gold card, there are few things you should compare before you sign up.
Features and Benefits:
One of the main reasons for choosing a Gold card is usually for the extras. Find out what is on offer, and choose a card that offers the extras that you will actually use. You may find that cards with more features will charge higher annual fees, so it's important to get your money's worth.
Another important reason for choosing a Gold card is the higher credit limits available. The credit limit you will be approved for will depend on your circumstances, but if you are a big spender, you will usually find that higher limits really come in handy.
Gold rewards cards often offer higher points earning potential than standard cards. If you want rewards, make sure the card you choose offers the rewards that you want for the spending you do most.
Due to the fact that a Gold card offers you more, you will usually find that you will pay more for the service. Make sure you choose a card that offers you more than you will pay out in annual fees.
In some cases, Gold card interest rates will be higher than standard credit cards. If you tend to carry a balance on your card from month to month, then you may want to choose a card that has lower interest rates to help you save money.