Credit cards with price protection

Get the best price on eligible purchases. Compare credit cards with a price protection guarantee to make sure you don’t overpay for important things you buy in stores.

Yvonne Taylor avatar
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Updated 28 Mar 2025   |   Rates updated regularly

Comparing of 7 credit cards with price protection

Bankwest Zero Platinum Mastercard

Not available for application via this website

Featured

Bankwest Zero Platinum Mastercard

Highlights

  • 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
  • No foreign transaction fees, including when you're shopping at an overseas online store.
  • No annual fee to pay for the life of the card.
  • Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
  • Credit limits start from a minimum of $6,000.

Pros

  • No annual fee makes this an option for occasional or backup use.
  • Interest-free purchases and balance transfers for 6 months.
  • No foreign transaction fees for foreign currency or overseas purchases.
  • Interest-free repayments for up to five eligible purchases with Easy Instalments.
  • Credit limits start from a minimum of $6,000.
  • Up to 55 days interest-free when you pay the statement balance in full.
  • Balance transfers revert to the purchase rate instead of the higher cash advance rate.
  • Use up to 95% of your credit limit for balance transfers.

Cons

  • There is a 3% fee on balance transfers, which can be added to the balance if desired.
  • You can't earn rewards points, but that's not unusual for a no annual fee card like this.
  • There is a $500 minimum balance transfer amount, although most people transfer more.
Westpac Altitude Platinum Credit Card (Altitude)

Not available for application via this website

Apply by 30 April 2025

Westpac Altitude Platinum Credit Card (Altitude)

Highlights

  • Earn up to 120,000 bonus Altitude Rewards Points. Get 90,000 Altitude Rewards Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval, and an additional 30,000 points after your first eligible purchase in the second year. Terms and Conditions apply.
  • Earn 3 Altitude points per $1 on Qantas, Jetstar and Virgin Australia flights bought in Australia, subject to eligibility criteria.
  • Earn 2 points per $1 spent on Uber, Uber Eats, Spotify Premium, Airbnb, and Overseas spend (including overseas purchases made from Australia).
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn up to 120,000 bonus Altitude Rewards Points when you meet the criteria.
  • Earn 1 point for every $1 spent on other eligible purchases.
  • The discounted annual fee for the first year.
  • Add 1 additional cardholder at no extra cost.
  • Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $100,000 annually, but bonus Altitude Rewards Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
Westpac Altitude Black Credit Card (Altitude)

Not available for application via this website

Apply by 30 April 2025

Westpac Altitude Black Credit Card (Altitude)

Highlights

  • 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

  • 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.
BankSA Amplify Platinum Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

BankSA Amplify Platinum Credit Card (Amplify)

Highlights

  • 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

  • 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.
BankSA Amplify Signature Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

BankSA Amplify Signature Credit Card (Amplify)

Highlights

  • 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

  • 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.
St.George Amplify Signature Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

St.George Amplify Signature Credit Card (Amplify)

Highlights

  • 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

  • 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.
Bank of Melbourne Amplify Platinum Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

Bank of Melbourne Amplify Platinum Credit Card (Amplify)

Highlights

  • 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

  • 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.

Learn about credit card price protection

What is credit card price protection insurance and how it can benefit you.

  • FAQs

Do all credit cards have a price protection guarantee scheme?

No. A price protection guarantee scheme is normally just one item in a suite of insurance policies often accompanying premium cards with a high annual fee. However, some lower-priced cards, or even cards with no annual fee at all, may have a price protection program as part of a “shoppers’ insurance” group of policies alongside purchase protection and extended warranty. But many credit cards have no insurance cover at all.

Price protection is not the same as purchase protection.

Can I get a price difference refund against an online purchase?

Most unlikely. Price protection schemes are designed for purchases made from a bricks-and-mortar retail store located in Australia.

Can I get a price difference refund if I purchase in a store, then see a lower price online?

No. The scheme’s conditions will normally exclude any prices advertised only online. However, you may see a price advertised online by a retailer who also has a physical store within 25 km of your original purchase, so it’s worth checking to see if they have issued a printed catalogue specifying the same low price.

What if I see a lower price advertised in print a few hours’ drive away?

You probably won’t be able to make a claim. Most policies specify that the item must be available at the lower advertised price in a store not more than 25 km from the store where the original purchase was made.

What if I see a lower price for an item which is almost the same as, or better than, the one I purchased?

You will not be able to make a claim. The item in question must be identical to the one you purchased in all respects: the same manufacturer, and exactly the same model number.

How long do I have in which to make a claim?

Most policies will specify that the price difference refund claim must be submitted no more than 21 days after the original purchase.

Can I get a price refund on a lower price for a car?

No. Motor vehicles are usually amongst the items specifically excluded from the policy (along with jewellery, collectibles and works of art).

Can I get a refund on a price difference of $2,000 or more?

The policy applicable to your card will have a maximum claim limit, often as low as $300 but occasionally as high as $1,000. Being able to make a claim for more than $1,000 on a single item is unlikely, unless you have a policy for which you have paid a premium.

Can I get a refund for a price difference of $50?

Very unlikely. Most policies will have a minimum claim limit involving a price difference of at least $75.

    As seen on

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