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.

  • 0% p.a. for 14 months on balance transfers1 (reverts to cash advance rate)
  • Discounted $99 annual fee in the first year2
  • Earn reward points3
  • Bonus offer: 20,000 reward points3 (when you spend $3,000 in the first 90 days)

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Looking for a lower rate? Find out more about our Low Rate Credit Card

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

Introductory Balance Transfer Rate1 Pay 0% p.a. interest for 14 months on balances transferred from other credit cards (reverts to cash advance rate)
Bonus Points6 Earn 20,000 reward points when you spend $3,000 in the first 3 months
Generous Credit Limits9 Receive an initial limit of $6,000 to $100,0009. You may request a credit limit increase or be offered one during your relationship depending on individual circumstances.
Card Services Rewards3
  • Earn 1 reward point for every $1 spent on eligible purchases.
  • Reward points never expire while your credit card account remains open
  • 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 purchases7 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 reward 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 Covers8
  • 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 $129 annual fee applies.

The fee is waived for Auswide Bank Freedom Package customers8.

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

Interest Rates

Introductory Balance Transfer Rate Pay 0% p.a. interest for 14 months on balances transferred from other credit cards (reverts to cash advance rate)1
Retail (Purchases) and Cash (Cash Advances) Annual Percentage Rates Please review our Credit Card Rate & Fee Guide »

Important Information:

Fees and charges apply. Terms and conditions apply and are available upon request. Card Services’ credit criteria applies. Current Card Services Credit Cardholders, or those whose credit is provided or administered by Card Services are not eligible to apply for this introductory offer. Offer ends 30/09/2018, offer may be extended.

1. The 0% p.a. promotional interest rate applies to balances transferred with this offer at the point of application, for a period of 14 months once the balance transfer is processed. At the end of the promotional period, any outstanding transferred balances will revert to the variable Annual Percentage Rate for cash advances, currently 21.74% p.a. Your total balance transfers with this offer may not exceed 80% of your credit limit. There is no interest free period on purchases while you have balance transfers and interest will accrue from the purchase date.

2. Subject to your acceptance, you will be charged a discounted Annual Primary Cardholder fee of $99 in the first year. This will revert to the full annual fee, currently $129, in subsequent years.

3. The reward point earn rate is 1 reward point for every $1 spent on Eligible Transactions. You will also earn 20,000 reward points when you spend $3,000 or more on Eligible Transactions within 90 days from the card approval date. An Eligible Transaction is defined in the Card Services Rewards and Card Service Qantas Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. For full rewards terms and conditions please refer to the Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions. Reward points never expire while the card remains open and in good standing. Bonus reward points will ordinarily be credited within 2 weeks of meeting spend criteria.

4. 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

7. The maximum 55 days interest free period applies when you pay your balance 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 from the date you make a purchase. No interest free period is available on Cash Advances or while you have Balance Transfers.

8. Subject to your acceptance, you will not be charged an annual fee while you are a home loan customer with Auswide Bank. Please note, you must head in to branch to apply for this type of offer.

9. Credit Limits issued are $6,000-$30,000 (or $100,000 with full verification). Actual Credit Limit will be assigned based on Citigroup’s Card Services’ credit criteria, subject to confirmation that you meet minimum income requirement of $35,000 per year.

© 2018 Platinum Rewards Credit Card is provided and administered by Card Services, 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. Credit criteria, fees & charges and terms and conditions apply.