Gold Credit Cards
Most Popular Gold Credit Card *
Bankwest Breeze Gold MasterCard
General Details
Interest Rate
10.99% pa
Balance Transfer Rate
4.99% pa
Balance Transfer Period
12 months
Cash Advance Rate
21.99% pa
Interest Free Days
55
Annual Fee
$99
Benefits of a Gold Card
- Gold credit cards are individually tailored to different types of gold card users. It’s important to identify your needs and select a gold card that meshes well with your anticipated use of the card as well as your budget. Look at the following possible benefits and determine which you could use before applying for a gold card:
- A significantly higher credit limit. Having a gold card means never having to worry if you are going to exceed your limit – the higher credit limits available with gold card membership will cover just about anything.
- Better rewards program / more points. Standard credit cards offer standard rewards programs. Gold cards offer gold rewards programs! You’ll earn more points for every dollar you spend, and have more options of how to redeem them.
- Access to both domestic and international travel insurance. This is actually one of the main selling points for a gold credit card; the travel insurance that covers members during their trips around Australia or overseas. When you purchase your tickets using your gold card, you are automatically covered and your family members accompanying you might be too.
- Overseas transactions will be cheaper, and exchange rates more competitive. A gold card will calculate your overseas transactions with a highly competitive exchange rate to ensure you get the most value for your money. A standard credit card can’t touch the savings you can get using a gold card for overseas transactions.
- Purchases made on your gold credit card will have extended protection against loss, whether misplaced, stolen or damaged, usually up to 90 days. Manufacturers’ warranties can generally be extended by up to 12 months under gold card coverage.
