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 | Updated 16th September 2021
Comparing credit cards with purchase protection
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 110,000 bonus Qantas Points plus $200 back when you apply online, are approved and spend $3,000 on your new Card within the first 3 months. Available to 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.
- Save the offer to your eligible Card and get 3 extra Qantas Points per $1 spent, in-store or online at participating Shop Small businesses by 31/03/2022, up to a maximum of 40,000 extra Points. Exclusions apply.
Pros
Cons
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
- Receive 150,000 Bonus Membership Rewards Points when you apply by 26 October 2021, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. 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.
- Earn 2 Membership Rewards points per $1 spent on purchases except government bodies in Australia where you will earn 1 point per $1 spent (uncapped).
Pros
Cons
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
- Receive 30,000 bonus Qantas Points when you apply online, 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.
Pros
Cons
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 200,000 Bonus Membership Rewards Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months. New Card Members only.
- Receive a $450 Platinum Travel Credit each year, which can be redeemed for flights, hotels or car hire.
- Earn 2.25 Membership Rewards points per $1 spent on all purchases, except for spend with government bodies in Australia, where you will earn 1 point per dollar spent. Points earning is uncapped.
Pros
Cons
On American Express' website
American Express David Jones Credit Card
Balance transfer
N/A
Purchase rate
6 months at 0% p.a.
Annual fee
$99.00 p.a. ongoing
Highlights
- Enjoy 0% p.a. on purchases for 6 months1 and earn 50,000 Membership Reward Points or 25,000 Qantas Points when you apply online by 20 October 2021, are approved and spend $1,500 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; 1 Reward Point per $1 spent elsewhere.
- Enjoy complimentary standard delivery for items purchased in-store or online at David Jones with the Card. Plus, up to 44 days interest-free.
Pros
Cons
On American Express' website
American Express David Jones Platinum Credit Card
Balance transfer
N/A
Purchase rate
6 months at 0% p.a.
Annual fee
$295.00 p.a. ongoing
Highlights
- Enjoy 0% p.a. on purchases for 6 months (excluding DJ Plans) and earn 70,000 Membership Rewards Points or 35,000 Qantas Points when you apply online by 20 October 2021, are approved and spend $1,500 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.
- Receive a $150 credit when you spend $150 at David Jones in-store or online by 31 December 2021.
- 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.
Pros
Cons
On St.George's website
St.George Amplify Platinum Credit Card (Amplify)
Balance transfer
15 months at 0% p.a.
Purchase rate
19.74% p.a. ongoing
Annual fee
$99.00 p.a. ongoing
Highlights
- Earn up to 80,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% for 15 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- Comes with complimentary travel insurances.
Pros
Cons
On St.George's website
St.George Amplify Platinum Credit Card (Qantas)
Balance transfer
15 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 $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% p.a. for 15 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate.
- Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!
Pros
Cons
On Westpac's website
Westpac Altitude Platinum Credit Card (Altitude)
Balance transfer
22 months at 0% p.a.
Purchase rate
20.49% p.a. ongoing
Annual fee
$49.00 for 1st year
Highlights
- Receive 130,000 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 22 months on balance transfers (1 % balance transfer fee applies). Reverts to purchase rate of 21.49% p.a.
- $49 p.a. annual fee for the first year ($150 p.a. annual fee thereafter).
Pros
Cons
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
$149.00 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 21.49% p.a.
- $149 p.a. annual fee for the first year then $200 p.a. annual fee thereafter (inclusive of $50 Qantas Rewards opt-in annual fee).
Pros
Cons
On Bank of Melbourne's website
Bank of Melbourne Amplify Platinum Credit Card (Amplify)
Balance transfer
15 months at 0% p.a.
Purchase rate
19.74% p.a. ongoing
Annual fee
$99.00 p.a. ongoing
Highlights
- Earn up to 80,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% for 15 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- Comes with complimentary travel insurances.
Pros
Cons
On Bank of Melbourne's website
Bank of Melbourne Amplify Platinum Credit Card (Qantas)
Balance transfer
15 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 $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% p.a. for 15 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate.
- Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!
Pros
Cons
On BankSA's website
BankSA Amplify Platinum Credit Card (Amplify)
Balance transfer
15 months at 0% p.a.
Purchase rate
19.74% p.a. ongoing
Annual fee
$99.00 p.a. ongoing
Highlights
- Earn up to 80,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% for 15 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- Comes with complimentary travel insurances.
Pros
Cons
On BankSA's website
BankSA Amplify Platinum Credit Card (Qantas)
Balance transfer
15 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 $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% p.a. for 15 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate.
- Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!
Pros
Cons
Learn about credit cards with purchase protection
Find out the benefits of credit card purchase protection insurance.
FAQs
Credit card comparison
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