Credit cards with purchase protection
When you’ve bought something using your card it will be protected against loss, theft or accidental damage.
By Yvonne Taylor | Verified by David Boyd | Published 27th August 2020
Comparing credit cards with purchase protection
On HSBC's website
HSBC Platinum Credit Card Balance Transfer Offer
Balance transfer
22 months at 0% p.a.
Purchase rate
19.99% p.a. ongoing
Annual fee
$129.00 p.a. ongoing
Highlights
- 0% p.a. on balances transferred for 22 months, with no balance transfer fee.
- $129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.
- Earn 2 points per $1 spent on overseas purchases.
On American Express' website
American Express Qantas Ultimate Credit Card
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Annual fee
$450.00 p.a. ongoing
Highlights
- Receive 55,000 bonus Qantas Points when you apply online, get approved and spend $3,000 on your new card within the first 3 months. New Card Members only.
- Earn 1.25 Qantas Points for every $1 spent on card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
- $450 Qantas Travel Credit each year (conditions apply).
On American Express' website
American Express Explorer Credit Card
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Annual fee
$395.00 p.a. ongoing
Highlights
- Get 50,000 Membership Rewards points when you apply online, are approved and spend $3,000 in the first 3 months. New Card Members only.
- Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
- T&Cs and eligibility criteria apply. Available to new card members only.
On American Express' website
American Express Qantas Premium Credit Card
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Annual fee
$249.00 p.a. ongoing
Highlights
- Earn 30,000 points when you apply online as a new Card Member, are approved and spend $3,000 in 3 months. New Card Members only.
- Relax with 2 complimentary Qantas Club invitations every year (conditions apply).
- Complimentary domestic and international travel insurance.
On American Express' website
American Express Qantas Premium Credit Card
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Annual fee
$249.00 p.a. ongoing
Highlights
- Earn 30,000 points when you apply online as a new Card Member, are approved and spend $3,000 in 3 months. New Card Members only.
- Relax with 2 complimentary Qantas Club invitations every year (conditions apply).
- Complimentary domestic and international travel insurance.
On American Express' website
American Express Platinum Card
Balance transfer
N/A
Purchase rate
N/A
Annual fee
$1,450.00 p.a. ongoing
Highlights
- Get 80,000 Membership Rewards points when you apply, are approved, and meet the minimum spend criteria of $3,000 in the first 3 months. Available to new Card Members only.
- Receive a $450 Platinum Travel Credit each year, which can be redeemed for flights, hotels or car hire.
- Complimentary access for you and a guest to over 1,200 Airport lounges across 130 countries.
On American Express' website
American Express David Jones Credit Card
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Annual fee
$99.00 p.a. ongoing
Highlights
- Receive 15,000 Membership Rewards Points or 7,500 Qantas Points when you are approved and spend $750 at locations excluding David Jones on your new card within the first three months. Available to new David Jones American Express Card Members only.
- Earn up to 3 Reward Points per $1 spent at major supermarkets and petrol stations, 2 Reward Points per $1 spent at David Jones, and 1 Reward Point per $1 spent elsewhere.
- Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
On American Express' website
American Express David Jones Platinum Credit Card
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Annual fee
$295.00 p.a. ongoing
Highlights
- Receive 30,000 Membership Rewards Points or 15,000 Qantas Points when you are approved and spend $750 at locations excluding David Jones on your new card within the first three months. Available to new American Express David Jones Platinum Credit Card Members only.
- Earn 4 Reward Points per $1 spent at David Jones, 3 Reward Points per $1 spent at major supermarkets and petrol stations and 1 Reward Point per $1 spent elsewhere.
- Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
On Bankwest's website
Bankwest More Platinum Mastercard
Balance transfer
6 months at 0% p.a.
Purchase rate
19.99% p.a. ongoing
Annual fee
$160.00 p.a. ongoing
Highlights
- 75,000 annual bonus points when you spend $48,000 on eligible purchases in the year.
- Earn up to 2 points per $1 spent on eligible purchases.
- No foreign transaction fees and complimentary international credit card travel insurance.
On St.George's website
St.George Amplify Platinum Credit Card (Amplify)
Balance transfer
22 months at 0% p.a.
Purchase rate
7 months at 0% p.a.
Annual fee
$0.00 for 1st year
Highlights
- 0% p.a. for 22 months on balance transfers with 1.5% balance transfer fee. Reverts to cash advance rate.
- 0% p.a. on purchases for up to 7 months from card approval (reverts to 19.74% thereafter).
- $0 annual fee for the first year ($99 p.a. thereafter).
On St.George's website
St.George Amplify Platinum Credit Card (Qantas)
Balance transfer
6 months at 0% p.a.
Purchase rate
19.74% p.a. ongoing
Annual fee
$99.00 p.a. ongoing
Highlights
- Earn up to 60,000 bonus Qantas Points when you spend $2,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% p.a. for 6 months on balance transfers. Reverts to cash advance rate.
- Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!
On Westpac's website
Westpac Altitude Platinum Credit Card (Altitude)
Balance transfer
18 months at 0% p.a.
Purchase rate
20.49% p.a. ongoing
Annual fee
$99.00 for 1st year
Highlights
- Receive 80,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
- 0% p.a. for 18 months on balance transfers (1 % balance transfer fee applies). Reverts to purchase rate of 20.49% p.a.
- $99 p.a. annual fee for the first year ($150 p.a. annual fee thereafter).
On Westpac's website
Westpac Altitude Platinum Credit Card (Qantas)
Balance transfer
18 months at 0% p.a.
Purchase rate
20.49% p.a. ongoing
Annual fee
$99.00 for 1st year
Highlights
- Receive 60,000 Qantas bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
- Transfer your balance at 0% p.a. for 18 months (1 % balance transfer fee applies). Reverts to purchase rate of 20.49% p.a.
- $99 p.a. annual fee for the first year ($200 p.a. annual fee thereafter).
On Bank of Melbourne's website
Bank of Melbourne Amplify Platinum Credit Card (Amplify)
Balance transfer
22 months at 0% p.a.
Purchase rate
7 months at 0% p.a.
Annual fee
$0.00 for 1st year
Highlights
- 0% p.a. for 22 months on balance transfers with 1.5% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- 0% p.a. on purchases for up to 7 months from card approval (reverts to 19.74% p.a. thereafter).
- $0 annual fee for the first year ($99 p.a. thereafter).
On Bank of Melbourne's website
Bank of Melbourne Amplify Platinum Credit Card (Qantas)
Balance transfer
6 months at 0% p.a.
Purchase rate
19.74% p.a. ongoing
Annual fee
$99.00 p.a. ongoing
Highlights
- Earn 60,000 bonus Qantas Points when you spend $2,000 within 90 days from card approval. Exclusions apply.
- 0% p.a. for 6 months on balance transfers. Reverts to cash advance rate of 21.49% p.a.
- Earn 0.5 points per $1 spent on eligible purchases (uncapped).
On BankSA's website
BankSA Amplify Platinum Credit Card (Amplify)
Balance transfer
22 months at 0% p.a.
Purchase rate
7 months at 0% p.a.
Annual fee
$0.00 for 1st year
Highlights
- 0% p.a. for 22 months on balance transfers with 1.5% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- 0% p.a. on purchases for up to 7 months from card approval (reverts to 19.74% p.a. thereafter).
- $0 annual fee for the first year ($99 p.a. thereafter).
On BankSA's website
BankSA Amplify Platinum Credit Card (Qantas)
Balance transfer
6 months at 0% p.a.
Purchase rate
19.74% p.a. ongoing
Annual fee
$99.00 for 1st year
Highlights
- Earn up to 60,000 points bonus Qantas Points when you spend $2,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- Earn 0.5 points per $1 spent on eligible purchases (uncapped).
- 0% p.a. for 6 months with 0% fee on balance transfers. Rate reverts to cash advance rate.
Learn about credit cards with purchase protection
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