Credit Cards With Price Protection
Compare credit cards with price protection guarantees to avoid overpaying for important store purchases.
Comparing of 7 credit cards with price protection
Balance transfer
N/A
Purchase rate
19.99% p.a. ongoing
Interest-free days
Up to 45 days on purchases
Annual fee
$99.00 for 1st year
Details
- Receive 100,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
- $99 p.a. annual fee for the first year ($150 p.a. annual fee thereafter).
- Earn 3 Altitude points per $1 on Qantas and Jetstar flights bought in Australia, eligibility criteria apply.
Pros & cons
Pros
- 100,000 bonus Altitude Points when you spend $3,000 in 90 days.
- Additional savings with the $99 first-year annual fee ($150 p.a. thereafter).
- Comes with complimentary travel insurance.
- Earn 1 Altitude point per $1 spent on eligible purchases.
Cons
- Only up to 45 days interest-free on purchases.
- Does not include lounge access.
On Westpac's website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 45 days on purchases
Annual fee
$200.00 for 1st year
Details
- Earn up to 150,000 bonus Altitude Points (equivalent to up to $700 in eGift cards). Receive 100,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
- Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
- Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Get 2 free Priority Pass lounge visits each year.
- Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros & cons
Pros
- Earn up to 150,000 bonus Altitude Points when you meet the criteria.
- The discounted annual fee for the first year.
- Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
- Earn 1.25 points per $1 spent on other eligible purchases.
- No limit on the points you can earn, which is great for high spenders.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- The high annual fee of $295 p.a. after the initial year.
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$49.00 for 1st year
Details
- Earn 100,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
- Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
- You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros & cons
Pros
- Earn 100,000 Bonus Amplify Points when you meet the criteria.
- No limit on the points you can earn, which is great for high-spenders.
- The discounted annual fee for the first year.
- Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$199.00 for 1st year
Details
- Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
- Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
- Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Get 2 free Priority Pass lounge visits each year.
- Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros & cons
Pros
- Earn 150,000 Bonus Amplify Points when you meet the criteria.
- No limit on the points you can earn, which is great for high-spenders.
- The discounted annual fee for the first year.
- Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
On St.George's website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$199.00 for 1st year
Details
- Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
- Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
- Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Get 2 free Priority Pass lounge visits each year.
- Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros & cons
Pros
- Earn 150,000 Bonus Amplify Points when you meet the criteria.
- No limit on the points you can earn, which is great for high spenders.
- The discounted annual fee for the first year.
- Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$49.00 for 1st year
Details
- Earn 100,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
- Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
- You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros & cons
Pros
- Earn 100,000 Bonus Amplify Points when you meet the criteria.
- No limit on the points you can earn, which is great for high-spenders.
- The discounted annual fee for the first year.
- Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
On Citi's website
Balance transfer
20 months at 0% p.a.
Purchase rate
14.99% p.a. ongoing
Interest-free days
Up to 44 days on purchases
Annual fee
$99.00 p.a. ongoing
Details
- 0% p.a. for 20 months on Balance Transfers with a 2% fee. Reverts to 22.24% p.a.
- Has a low ongoing purchase rate, making it more affordable for everyday spending.
- Includes complimentary insurance including Extended Warranty Insurance and Purchase Protection Insurance. See Terms and Conditions here.
This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.
Pros & cons
Pros
- Long interest-free balance transfer period (20 months).
- Add up to 4 cardholders for free, making it a great option for most families.
- My Cashback offers are personalised and require no opt-in or registration.
- 10% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.
- Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
- 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
- Get a credit limit ranging from a minimum of $2,000 to a maximum of $100,000.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- No rewards program, but this card is about simplicity.
- High revert rate on balance transfers (22.24% p.a.).
- Purchases have no interest-free days while there's a balance transfer.
