Skip to content
Premium

Best Premium credit cards in Australia

Premium credit cards in Australia carry higher annual fees in exchange for richer perks such as lounge access, travel credits or insurance.

*a card is filed here when a verified annual fee is 250 or more in local currency, when its name marks a premium tier (Platinum, Black, Infinite, Reserve and similar), or when the source listing we imported it from files it that way.

72
Premium cards filed
The ledger

All Premium cards in Australia

72 cards
Bank of Melbourne№ 1

Amplify Qantas Platinum

Earn up to 100,000 bonus Qantas Points~ — 70,000 Qantas Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases† within 90 days of card anniversary in year 2. New cards only.

AirlinePoints
Annual feeNot confirmed
Top earn rateNot confirmed
St.George Bank№ 2

Amplify Qantas Platinum

Earn up to 100,000 bonus Qantas Points~ — 70,000 Qantas Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases† within 90 days of card anniversary in year 2. New cards only.

AirlinePoints
Annual feeNot confirmed
Top earn rateNot confirmed
BankSA№ 3

Amplify Qantas Platinum

Earn up to 100,000 bonus Qantas Points~ — 70,000 Qantas Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases† within 90 days of card anniversary in year 2. New cards only.

AirlinePremium
Annual feeNot confirmed
Top earn rateNot confirmed
BankSA№ 4

Amplify Qantas Signature

Earn up to 150,000 bonus Qantas Points> — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases† within 90 days of card anniversary in year 2.

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
St.George Bank№ 5

Amplify Qantas Signature

Earn up to 150,000 bonus Qantas Points> — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases† within 90 days of card anniversary in year 2.

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Melbourne№ 6

Amplify Qantas Signature

Earn up to 150,000 bonus Qantas Points> — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases† within 90 days of card anniversary in year 2.

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
BankSA№ 7

Amplify Rewards Platinum

Earn up to 100,000 bonus Amplify Points* — 75,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases† within 90 days of new card approval and an extra 25,000 points after your first eligible purchase in year 2. Plus, a $99 first year card fee (reverts to $175 p.a. thereafter)**.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Melbourne№ 8

Amplify Rewards Platinum

Earn up to 100,000 bonus Amplify Points* — 75,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases† within 90 days of new card approval and an extra 25,000 points after your first eligible purchase in year 2. Plus, a $99 first year card fee (reverts to $175 p.a. thereafter)**.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
St.George Bank№ 9

Amplify Rewards Platinum

Earn up to 100,000 bonus Amplify Points* — 75,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases† within 90 days of new card approval and an extra 25,000 points after your first eligible purchase in year 2. Plus, a $99 first year card fee (reverts to $175 p.a. thereafter)**.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
BankSA№ 10

Amplify Rewards Signature

Earn up to 200,000 bonus Amplify Points^ — 100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases† and an extra 100,000 points with $12k+ spend on eligible purchases† in year 2. Plus, a reduced first year card fee of $199 (reverts to $295 p.a. thereafter)+ .

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
St.George Bank№ 11

Amplify Rewards Signature

Earn up to 200,000 bonus Amplify Points^ — 100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases† and an extra 100,000 points with $12k+ spend on eligible purchases† in year 2. Plus, a reduced first year card fee of $199 (reverts to $295 p.a. thereafter)+ .

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Melbourne№ 12

Amplify Rewards Signature

Earn up to 200,000 bonus Amplify Points^ — 100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases† and an extra 100,000 points with $12k+ spend on eligible purchases† in year 2. Plus, a reduced first year card fee of $199 (reverts to $295 p.a. thereafter)+ .

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 13

ANZ Business Black

Visa card issued by ANZ.

BusinessPoints
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 14

ANZ Frequent Flyer Black

Visa card issued by ANZ.

AirlinePoints
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 16

ANZ Platinum

Visa card issued by ANZ.

Cash BackPremium
Annual feeA$87per year · can be waived
Top earn rateNot confirmed
ANZ№ 17

ANZ Qantas Business Rewards

Earn 100,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months from approval of your new card. Plus earn an additional 50,000 bonus Qantas Points when you keep the card for over 15 months.

AirlineBusiness
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 18

ANZ Rewards Black

Visa card issued by ANZ.

PointsPremium
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 19

ANZ Rewards Platinum

Visa card issued by ANZ.

PointsPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Bankwest№ 22

Bankwest More World Mastercard

Mastercard issued by Bankwest.

Balance TransferLounge Access
Annual feeA$270per year
Top earn rateNot confirmed
Bendigo and Adelaide Bank№ 27

Bendigo Qantas Platinum Credit Card

Mastercard issued by Bendigo and Adelaide Bank.

AirlinePremium
Annual feeA$149per year
Top earn rateNot confirmed
Bank of Queensland (BOQ)№ 28

BOQ Platinum Visa Credit Card

Visa card issued by Bank of Queensland (BOQ).

Balance TransferPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Queensland (BOQ)№ 29

BOQ Specialist Signature Credit Card

Visa card issued by Bank of Queensland (BOQ).

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 30

Business Platinum Awards Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

BusinessPremium
Annual feeA$300per year
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 31

CommBank Qantas Business Rewards Credit Card

Credit card issued by Commonwealth Bank of Australia (CommBank).

AirlineBusiness
Annual feeA$295per year
Top earn rateNot confirmed
humm№ 34

humm90 Platinum Mastercard

Mastercard issued by humm.

No FX FeePremium
Annual feeNot confirmed
Top earn rateNot confirmed
Macquarie Bank№ 36

Macquarie Black Card

Visa card issued by Macquarie Bank.

No FX FeePremium
Annual feeNot confirmed
Top earn rateNot confirmed
Macquarie Bank№ 37

Macquarie Platinum Card

Visa card issued by Macquarie Bank.

No FX FeePremium
Annual feeNot confirmed
Top earn rateNot confirmed
MyCard (NAB)№ 38

MyCard Premier Credit Card

Credit card issued by MyCard (NAB).

Balance TransferLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
National Australia Bank (NAB)№ 40

NAB Qantas Business Signature Card

Earn 150,000 bonus Qantas Points when you spend $10,000 on everyday business purchases within 90 days of opening your new NAB Qantas Business Signature Card account. Plus, you’ll be rewarded with an additional 50,000 bonus Qantas Points if you keep your account open for 15 months.

AirlineBusiness
Annual feeA$295per year
Top earn rateNot confirmed
National Australia Bank (NAB)№ 41

NAB Qantas Rewards Premium Card

Visa card issued by National Australia Bank (NAB).

AirlineBalance Transfer
Annual feeA$295per year
Top earn rateNot confirmed
National Australia Bank (NAB)№ 42

NAB Qantas Rewards Signature Card

Visa card issued by National Australia Bank (NAB).

AirlineBalance Transfer
Annual feeA$449per year
Top earn rateNot confirmed
National Australia Bank (NAB)№ 43

NAB Rewards Platinum Card

Visa card issued by National Australia Bank (NAB).

Balance TransferPoints
Annual feeNot confirmed
Top earn rateNot confirmed
National Australia Bank (NAB)№ 44

NAB Rewards Signature Card

Up to 110,000 bonus NAB Rewards Points 80,000 bonus points when you apply for a NAB Rewards Signature Card, are approved and spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus points when you keep your card for over 12 months.

Balance TransferLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
ING Australia№ 45

Orange One Rewards Platinum

Visa card issued by ING Australia.

Cash BackNo FX Fee
Annual feeA$149per year
Top earn rateNot confirmed
Unity Bank№ 47

Platinum Visa Credit Card

Visa card issued by Unity Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
G&C Mutual Bank№ 48

Platinum Visa Credit Card

Visa card issued by G&C Mutual Bank.

PointsPremium
Annual feeNot confirmed
Top earn rateNot confirmed
American Express Australia№ 53

The American Express Platinum Card

Amex card issued by American Express Australia.

Lounge AccessPremium
Annual feeA$1,450per year
Top earn rateNot confirmed
American Express Australia№ 59

The Qantas American Express Premium Card

Receive 20,000 bonus Qantas Points The Qantas American Express Premium Card when you apply online, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Premium Card within the first 3 months of your approval date.

AirlineLounge Access
Annual feeA$249per year
Top earn rateNot confirmed
American Express Australia№ 60

The Qantas American Express Ultimate Card

That’s 70,000 bonus Qantas Points when you apply online by 17 November 2026, are approved, and spend $5,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months of your approval date. Plus, earn an additional 50,000 bonus Qantas Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year of Card Membership.

AirlineLounge Access
Annual feeA$450per year
Top earn rateNot confirmed
Questions

Frequently asked

What is the best premium credit card in Australia?

The best premium card in Australia depends on your spending and goals. We list every premium card we hold — 72 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a premium credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a premium card with other cards?

Yes. Many people pair a premium card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these premium card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.