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 3rd December 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 55,000 bonus Qantas Points 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
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Annual fee
$395.00 p.a. ongoing
Highlights
- Receive 100,000 Bonus Membership Rewards Points when you apply online, 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
- Receive 150,000 Bonus Membership Rewards Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only. Plus, an additional 50,000 Bonus Membership Rewards Points in Year 2 upon fee renewal.
- 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
12 months at 0% p.a.
Annual fee
$99.00 p.a. ongoing
Highlights
- Enjoy 0% p.a. on purchases for 12 months and earn 50,000 Membership Reward Points (equivalent to a $320 David Jones gift card) when you apply online by 20 January 2022, 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
12 months at 0% p.a.
Annual fee
$295.00 p.a. ongoing
Highlights
- Enjoy 0% p.a. on purchases for 12 months and earn 70,000 Membership Rewards Points (equivalent to a $450 David Jones gift card) when you apply online by 20 January 2022, 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
24 months at 0% p.a.
Purchase rate
19.49% p.a. ongoing
Annual fee
$49.00 for 1st year
Highlights
- Earn up to 130,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% for 24 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- $49 p.a. annual fee for the first year ($99 p.a. annual fee thereafter)
Pros
Cons
On St.George's website
St.George Amplify Platinum Credit Card (Qantas)
Balance transfer
24 months at 0% p.a.
Purchase rate
19.49% 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 24 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!
From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Bonus Qantas Points not included in the cap.
Pros
Cons
On Westpac's website
Balance transfer
24 months at 0% p.a.
Purchase rate
19.99% 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 24 months on balance transfers (1 % balance transfer fee applies). Reverts to cash advance 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
Balance transfer
24 months at 0% p.a.
Purchase rate
19.99% p.a. ongoing
Annual fee
$99.00 for 1st year
Highlights
- Receive 75,000 bonus Qantas Points when you spend $4,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
- Transfer your balance at 0% p.a. for 24 months (1 % balance transfer fee applies). Reverts to cash advance rate of 21.49% p.a.
- $99 p.a. annual fee for the first year then $200 p.a. annual fee thereafter (inclusive of $50 Qantas Rewards opt-in annual fee).
From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.
Pros
Cons
On Bank of Melbourne's website
Bank of Melbourne Amplify Platinum Credit Card (Amplify)
Balance transfer
24 months at 0% p.a.
Purchase rate
19.49% p.a. ongoing
Annual fee
$49.00 for 1st year
Highlights
- Earn up to 130,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% for 24 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- $49 p.a. annual fee for the first year ($99 p.a. annual fee thereafter)
Pros
Cons
On Bank of Melbourne's website
Bank of Melbourne Amplify Platinum Credit Card (Qantas)
Balance transfer
24 months at 0% p.a.
Purchase rate
19.49% 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 24 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!
From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Bonus Qantas Points not included in the cap.
Pros
Cons
On BankSA's website
BankSA Amplify Platinum Credit Card (Amplify)
Balance transfer
24 months at 0% p.a.
Purchase rate
19.49% p.a. ongoing
Annual fee
$49.00 for 1st year
Highlights
- Earn up to 130,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% for 24 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- $49 p.a. annual fee for the first year ($99 p.a. annual fee thereafter)
Pros
Cons
On BankSA's website
BankSA Amplify Platinum Credit Card (Qantas)
Balance transfer
24 months at 0% p.a.
Purchase rate
19.49% 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 24 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!
From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Bonus Qantas Points not included in the cap.
Pros
Cons
Learn about credit cards with purchase protection
Find out the benefits of credit card purchase protection insurance.
FAQs
Credit card comparison
- 0% purchase credit cards
- Apple Pay credit cards
- Balance transfer credit cards
- Black credit cards
- Business credit cards
- Cashback credit cards
- Corporate cards
- Credit cards for ATO payments
- Credit cards for first timers
- Credit cards for pensioners
- Credit cards for temporary residents
- Credit cards with a sign up bonus
- Credit cards with price protection
- Frequent flyer credit cards
- Google Pay™ credit cards
- Instant approval credit cards
- Low income credit cards
- Low interest credit cards
- No annual fee credit cards
- No foreign transaction fee credit cards
- Priority Pass credit cards
- Qantas Frequent Flyer credit cards
- Rewards credit cards
- Student credit cards
- Travel insurance credit cards
