Gold & Premium Credit Cards. Compare & find lenders who are more likely to say yes
You could see your pre-approved cards In 5 simple steps. Your credit score won't be touched
- Do you already have a great credit score and would like a credit card with more benefits?
- Gold, Platinum and Premium credit cards are for the financially savvy, but aren’t always available to everyone
- This makes them rather exclusive in the world of credit cards
What is a premium credit card?
With them being the most exclusive credit cards, you will often need a high income and a good credit score to even be considered. There is a price to pay for so many luxurious benefits: a high annual fee. If you are only going to use a credit card infrequently or might not be able to make the most of the benefits, you may want to consider another type of credit card instead.
However, if you plan on using a credit card regularly throughout the year, you can definitely reap the rewards. Benefits often include air miles, travel insurance, breakdown cover, money off products and concierge services.
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Although initial eligibility checks involve a soft search of your credit information and report (which has no impact on your credit file), any lenders or credit providers may subsequently conduct a hard search, prior to finalising your loan or credit offer.