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 24 months on balance transfers1 (reverts to cash advance rate. Note that no interest free days apply while you have a balance transfer.)*
  • Earn reward points2
  • Bonus offer: 20,000 reward points2 (when you spend $3,000 in the first 90 days from card approval)

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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 24 months on balances transferred from other credit cards (reverts to cash advance rate. Note that no interest free days apply while you have a balance transfer.)
Bonus Points2 Earn 20,000 reward points when you spend $3,000 in the first 3 months from card approval
Generous Credit Limits6 Receive an initial limit of $6,000 to $100,0006. You may request a change to your credit limit during your relationship.
Card Services Rewards2
  • 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 Select and Credit4 - 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).
Up to 55 days interest free on retail purchases5 (unless you have a Balance Transfer) A generous interest free period allows you to spread your everyday expenses.
Mastercard PayPass Easily make everyday purchases up to $200 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. Additional cardholders must be 16 years or older.
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 Covers3
  • Purchase Cover Insurance
  • Guaranteed Pricing Scheme
  • International Travel Insurance
  • Extended Warranty Insurance
  • Transit Accident Insurance
  • Interstate Flight Inconvenience Insurance
PLATINUM REWARDS MASTERCARD*
*Complimentary insurance is provided with this card on the same terms as the complimentary insurance provided with the Platinum Mastercard as described in the Description of Card Services Insurance cover booklet.
(Terms, conditions, exclusions apply, limits and sub-limits apply. Cover may not be available for all travel destinations. Refer to the Description of Card Services Insurance Cover for further information.
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 via cardservicesdirect.com.au

Fees & Charges

A $129 annual fee applies.

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 24 months on balances transferred from other credit cards (reverts to cash advance rate)1. There is no interest free period while you have balance transfers and interest will accrue from the purchase date.
Retail (Purchases) and Cash (Cash Advances) Annual Percentage Rates Please review our Credit Card Rate & Fee Guide ยป

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 1 November 2022. Post this date, we reserve the right to continue, withdraw, or change the offer at any time without notice.

* Please note, introductory Platinum Rewards credit card office is not available for Card with Mortgage Applications. Should you choose to take up an introductory offer an Annual Card fee will apply.

To obtain a copy of the Target Market Determination (TMD) related to this product click here.

1. The 0% p.a. promotional interest rate applies to balances transferred with this offer at the point of application, for a period of 24 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 while you have balance transfers and interest will accrue from the purchase date. If we approve your credit card application, the Balance Transfer offer will be available for up to 90 days from the date your application is approved. For important information to consider before taking up a balance transfer, please click here.

2. 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 6-8 weeks of meeting spend criteria.

3. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Card Services credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Description of Insurance Cover Terms and Conditions which may be amended from time to time are available Cardservicesdirect.com.au/terms. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

4. Select and Credit is available on Eligible Transactions that you Select and Credit within 60 days of the Transaction date. Please refer to disclaimer 3 for a definition of Eligible Transactions.

5. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn't due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

6. Credit Limits issued are $6,000-$100,000. Actual Credit Limit will be assigned based on Card Services’ credit criteria, subject to confirmation that you meet minimum income requirement of $35,000 per year.

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") is the credit provider and issuer of credit cards under the Card Services brand which includes credit cards issued on behalf of Auswide Bank Ltd ABN 40 087 652 060. NAB has acquired the business relating to this product from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to assist to administer the product.