Platinum Rewards Credit Card

With an Auswide Bank Platinum Rewards MasterCard you'll enjoy all the benefits of a premium credit card!

Enjoy premium rewards!

Compliment your lifestyle with a great credit card rewards program, generous credit limits and other great features.

For a limited time, enjoy a balance transfer offer#. View Credit Card Interest Rates for details.

An Auswide Bank Platinum Rewards MasterCard allows you to get more out of the Card Services Rewards program through a higher points cap and the ability to earn points faster, with every $1 spent earning 1 Rewards point.

Earn 20,000 reward points² when you spend $3,000 in the first 3 months (offer ends 31 January 2017).

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With an Auswide Bank Platinum Rewards MasterCard you’ll enjoy:

Introductory Rate for Balance Transfer View Credit Card Interest Rates for details
Bonus Points Earn 20,000 reward points² when you spend $3,000 in the first 3 months (offer ends 31 January 2017).
Generous Credit Limits Receive an initial limit of $6,000 to $30,000* You may request a credit limit increase or be offered one during your relationship depending on individual circumstances.
Card Services Rewards²
  • Earn 1 reward point² for every dollar spent on purchases.
  • Reward points never expire while your credit card account remains open
  • 100,000 points cap
  • Redeem points for merchandise, store or gift vouchers, or 'Cashback' - use to pay outstanding balance on your card or pay your annual fee.
  • Use points to book flights, hotels, rental cars and access a range of holiday packages through the Travel Centre. Access the Travel Centre from the Rewards website.
  • Redeem points for frequent flyer points with Singapore Airline's 'Krisflyer' or Virgin Australia's 'Velocity Rewards' loyalty programs.
Platinum Concierge Service Global 24 x 7 phone access to a knowledgeable, multi-lingual concierge to help you find anything from the best restaurant in town to organising a gift.
Worldwide Acceptance Pay for purchases in Australia and overseas. Access up to $1000 cash at ATM's across the globe (including Auswide Bank ATM's) and up to $500 per day from Australia Post outlets..
Up to 55 days interest free on retail purchases¹ A generous interest free period allows you to spread your everyday expenses.
MasterCard PayPass Easily make everyday purchases up to $100 without having to swipe your card.  Find out more about MasterCard PayPass.
Up to four supplementary Cards Up to four free supplementary cards which also earn Rewards points with expenditure of all cards on one monthly statement.
MasterCard Privileges Indulge in a broad range of local and global experiences across dining, travel, retail and entertainment. Available to all MasterCard cardholders. Find out more about MasterCard Privileges.
Emergency Card Replacement In most cases your lost or stolen MasterCard can be replaced within 48 hours.
Complimentary Insurance Covers+
  • Purchase Cover Insurance
  • Guaranteed Pricing Scheme
  • International Travel Insurance
  • Extended Warranty Insurance
  • Transit Accident Insurance
  • Interstate Flight Inconvenience Insurance
MasterCard Zero Liability Protects you from fraud & unauthorised transactions made in stores, over the telephone or on the internet. Find out more about MasterCard Zero Liability.
Fraudshield If we detect irregular transactions on your account we will advise you immediately.
Credit Card Internet and Telephone Banking Manage your credit card online 24 x 7

Fees & Charges

A $159 annual fee applies.

The fee is waived for Auswide Bank Freedom Package customers.

For full details of fees & charges, please review our Credit Card Rate & Fee Guide.

Interest Rates

Introductory Balance Transfer Rate# 0% p.a. for the first 14 months after which the rate reverts to the Cash Annual Percentage Rate. Find out more about this offer.
Retail (Purchases) and Cash (Cash Advances)  Annual Percentage Rates# Please review our Credit Card Rate & Fee Guide »

This information is a summary of features & benefits only. Auswide Bank MasterCards are supplied by arrangement with Card Services – Cards Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098 which provides and administers credit on behalf of Auswide Bank Ltd ABN 40 087 652 060. Credit approval of your application is subject to satisfying Citigroup credit criteria including verification of income and employment details. Auswide Bank is not responsible for the credit decision. To help you make an informed decision about whether to acquire a Citigroup credit card through Auswide Bank you should read our Credit Guide for Credit Assistance by Auswide Bank. Upon approval of your application, Citigroup will notify you of how to meet the identification procedure required by law. Terms and conditions, fees and charges apply - full details on application.

# The introductory offer applies from the date of card approval. The 0% p.a. promotional interest rate applies to balances transferred with this offer at point of application, for a period of 14 months. At the end of the promotional period, any outstanding transferred balances will revert to the variable Annual Percentage Rate for cash advances. Total balance transfers with this offer may not exceed 80% of approved credit limit. This offer ends 31/1/2017. Offer not available to existing MasterCard cardholders of Auswide Bank or holders of credit cards issued by Citigroup or for transfers in foreign currency or to offshore accounts. Balance transfers are repaid before purchases and cash advances. Each Balance transfer must be for at least $500. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rate, which may be variable and subject to change. The prevailing applicable interest rate will apply upon the expiry of the introductory period. Balance transfers cannot be used to pay off any other product with Auswide Bank.

* Actual credit limit will be assigned based on Credit Criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 for the Platinum Rewards card. Credit limit is up to $30,000 on Platinum at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria. Minimum credit limit is $6000.

¹The maximum 55 days interest free period applies when the account balance is paid off in full for two consecutive months. If you carry a balance on your credit card from month to month the 55 days interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.

²On 1 May 2016, the reward point earn rate will become 1 reward point for every $1 spent (capped at 100,000 points). Prior to 1 May 2016 the reward point earn rate will be 1.25 reward points for every $1 spent. All rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on cash advances, special promotions or balance transfers. Reward points never expire while the account remains open and in good standing.

+For any claims lodged on or after 1st May 2016, Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street, Sydney NSW 2000, and is subject to Terms, Conditions, and exclusions, some limits and excess may apply. The Terms and Conditions are available at
For any claims lodged prior to 1st May 2016, Complimentary Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to Terms, Conditions and exclusions, some limits and excess may apply. The Terms and Conditions are available at