Gold cards offer many benefits and perks such as free travel insurance, contents insurance, purchase cover to guard you against theft or fraud and many of them reward you with frequent flyer points and airport lounge access. However, they typically have higher annual fees and purchase rates than other credit cards. To get the most from any gold credit card you need to actually spend a considerable amount per month and pay it off in full monthly or the interest will negate the value of any rewards you may earn. However, if you have a clean credit rating, are 18 years old or more, are a permanent resident (or citizen) of Australia and have a strong annual income, then you should definitely consider applying.
| Image | Name | Annual Fee | Balance Transfer Rate | Balance Transfer Rate Period | Purchase Rate | Apply |
|---|---|---|---|---|---|---|
 |
American Express Qantas Business Card
Earn Qantas Frequent Flyer points. 2 Qantas points per $1 spent on Qantas services |
$299 | - | - | - | |
 |
Citibank Gold Card
$1 Spent = 1 Reward Point |
$149 | 1.9% p.a. | 12 months | 20.74% p.a. | |
 |
ANZ Gold Visa Card
Overseas Travel and Medical Insurance |
$87 | 7.99% p.a. | 6 months | 18.99% p.a. | |
 |
HSBC Gold Credit Card
Complimentary travel insurance & Rewards |
$89 | 0% .p.a. | 6 months | 19.50% p.a. | |
 |
Citibank Business Card
5,000 Bonus Rewards Points |
$74 | 2.9% p.a. | 9 months | 20.99% p.a. | |
 |
CUA Gold Rewards MasterCard Credit Card
Earn Shopping Rewards Points |
$85 | 2.9% p.a. | 9 months | 19.24% p.a. | |
 |
IMB Gold Rewards MasterCard
Earn 1 Rewards Point per $1 spent |
$99 | 2.9% p.a. | 9 months | 19.24% p.a. | |
 |
American Express David Jones Credit Card
Receive $100 David Jones Gift Card |
$99 | - | - | 18.99% p.a. | |
 |
American Express Gold Business Card
No Annual Fee for 1st Year. |
$0 | - | - | - | |
 |
Suncorp Gold Card
Earn 2 Qantas Frequent Flyer points for every $3 spent |
$99 | 1.9% p.a. | 12 months | 19.75% p.a. | |
 |
ANZ Gold Frequent Flyer Card
Earn Uncapped Qantas Frequent Flyer Points |
$195 | - | - | 19.49% p.a. | |
 |
Westpac Altitude Gold Credit Card
Receive 10,000 Bonus Altitude points |
$150 | 3.99% p.a. | 6 months | 19.64% p.a. | |
 |
Westpac Earth Gold Credit Card
$1 = 1 Qantas Frequent Flyer Point (Amex) |
$125 | 0.99% p.a. | 6 months | 19.64% p.a. | |
 |
Singapore Airlines Westpac Gold Card
Receive 5,000 KrisFlyer Miles |
$75 | 0.99% p.a. | 6 months | 19.24% p.a. | |
 |
Velocity NAB Gold Credit Card
2 Velocity Points per $2 spent |
$150 | 4.99% p.a. | 6 months | 19.99% p.a. | |
 |
NAB Qantas Gold Credit Card
2 Qantas Points per $2 |
$145.50 | 4.99% p.a. | 6 months | 19.99% p.a. | |
 |
Macquarie Visa Gold Card
Earn 1 Reward point per $1 Spent |
$100 | 0% p.a. | 6 months | 20.45% p.a. | |
 |
American Express Gold Ascent Credit Card
7 Airline Rewards Partners |
$0 | - | - | 20.49% p.a. | |
 |
Citibank Emirates Credit Card
$1 Spent = 3 Skywards Miles |
$229 | 1.9% p.a. | 12 months | 20.74% p.a. | |
 |
BoQ Gold Visa Credit Card
Earn 1.75 Q Rewards Points for every $1 spent |
$120 | 1.9% p.a. | 9 months | 20.24% p.a | |
 |
BankSA Gold Low Rate Credit Card
Gold Credit Card |
$79 | - | - | 15.74% p.a. | |
 |
Citi Select Credit Card
Citibank's exclusive rewards credit card |
$700 | 4.9% | life | 20.74% |