Credit Cards with Concierge Service
ANZ Frequent Flyer Black
Qantas points
$425 annual fee
Offer
90,000 Qantas points
24/7 personal concierge service available for domestic and international restaurant or hotel bookings, gift ideas, travel recommendations, and more. Contact via phone.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $200 cashback offsets the $425 fee.
Est. profit $1,215
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NAB Rewards Platinum Card
NAB points
$195 annual fee
Offer
80,000 NAB points
24/7 personal concierge service for travel and lifestyle assistance via NAB Concierge Service.
Spend $3,000 in 90 days
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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Qantas Premier Titanium
Qantas points
$1,200 annual fee
Offer
150,000 Qantas points
Complimentary dedicated concierge service available to primary cardholder for assistance with restaurant reservations and travel bookings
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.
Est. profit $1,200
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ANZ Rewards Black
ANZ points
$375 annual fee
Offer
130,000 ANZ points
24/7 personal concierge service available for domestic and international restaurant or hotel bookings, gift ideas, travel recommendations, and more. Contact via phone.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.
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ANZ Rewards Platinum
ANZ points
$149 annual fee
Offer
85,000 ANZ points
24/7 personal concierge service for domestic and international restaurant or hotel bookings, gift ideas, travel recommendations, and more. Contact via phone.
Spend $3,500 in 90 days
Craig's Take
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
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Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months)
Qantas points
$399 annual fee
OfferNo Qantas CC 24mo
100,000 Qantas points
Dedicated Qantas Money Credit Card Concierge service available 24/7 for assistance
Spend $5,000 in 90 days
$349 first year annual fee, $399 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Est. profit $1,251
Read my analysis Qantas Premier Platinum
Qantas points
$399 annual fee
Offer
60,000 Qantas points
Dedicated Qantas Money Credit Card Concierge service available 24/7 for assistance
Spend $5,000 in 90 days
$349 first year annual fee, $399 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Est. profit $611
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NAB Qantas Rewards Premium Card
Qantas points
$295 annual fee
Offer
60,000 Qantas points
24/7 personal assistant service for travel and lifestyle with NAB Concierge Service.
Spend $3,000 in 90 days
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $665
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The American Express Platinum Card Targeted Offer
American Express points
$1,450 annual fee
OfferTargeted
225,000 American Express points
24/7 Platinum Card Services providing emergency assistance, account balance help, Membership Rewards redemption, and Additional Cards management.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.
Read my analysis
ANZ Frequent Flyer Platinum
Qantas points
$295 annual fee
Offer
75,000 Qantas points
24/7 personal concierge service available for domestic and international restaurant or hotel bookings, gift ideas, travel recommendations, and more. Contact via phone.
Spend $2,500 in 90 days
Craig's Take
Easy $28/day spend to hit the bonus. Good ongoing earn rate. $100 cashback offsets the $295 fee.
Est. profit $1,005
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St.George Amplify Qantas Signature
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Exclusive Concierge Service for Amplify Signature cardholders to explore and book experiences online including hard-to-find tickets and last-minute reservations.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
Read my analysis St.George Amplify Qantas Signature (Existing customers, through log in)
Qantas points
$295 annual fee
OfferExisting Customers
90,000 Qantas points
Exclusive Concierge Service for Amplify Signature cardholders to explore and book experiences online including hard-to-find tickets and last-minute reservations.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
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St.George Amplify Rewards Signature
St.George Amplify points
$295 annual fee
Offer
100,000 St.George Amplify points
Exclusive Concierge Service for Amplify Signature cardholders to explore and book experiences online including hard-to-find tickets and last-minute reservations.
Spend $12,000 in 365 days
$199 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Qantas points
$295 annual fee
OfferExisting Customers
90,000 Qantas points
Personal Concierge Service available 24/7 for booking experiences, hard-to-get tickets, last-minute restaurant reservations, and more via westpac.tenconcierge.com or phone 1300 651 999 (option 4).
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis Westpac Altitude Qantas Black
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Personal Concierge Service available 24/7 for booking experiences, hard-to-get tickets, last-minute restaurant reservations, and more via westpac.tenconcierge.com or phone 1300 651 999 (option 4).
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
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Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Westpac points
$295 annual fee
Offer
100,000 Westpac points
Personal Concierge Service available exclusively to Altitude Black cardholders, providing 24/7 assistance for booking experiences, tickets, and restaurant reservations via westpac.tenconcierge.com or phone.
Spend $12,000 in 365 days
$99 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Personal Concierge Service available 24/7 for Westpac Altitude Black cardholders to browse and book experiences, purchase hard-to-get tickets, and make last-minute restaurant reservations via westpac.tenconcierge.com or phone 1300 651 999 (option 4).
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,160
Read my analysis Westpac Altitude Velocity Black (Existing customers)
Velocity points
$295 annual fee
OfferExisting Customers
90,000 Velocity points
Personal Concierge Service available 24/7 for Westpac Altitude Black cardholders to browse and book experiences, purchase hard-to-get tickets, and make last-minute restaurant reservations via westpac.tenconcierge.com or phone 1300 651 999 (option 4).
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,255
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NAB Qantas Rewards Signature Card
Qantas points
$420 annual fee
Offer
100,000 Qantas points
24/7 personal concierge service for travel and lifestyle assistance via NAB Concierge Service.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.
Est. profit $1,430
Read my analysis NAB Qantas Rewards Signature Card
Qantas points
$420 annual fee
OfferExisting Customers
100,000 Qantas points
24/7 personal concierge service for travel and lifestyle assistance via NAB Concierge Service.
Spend $5,000 in 90 days
$320 first year annual fee, $420 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.
Est. profit $1,530
Read my analysis St.George Amplify Rewards Signature (Existing customers, through log in)
St.George Amplify points
$295 annual fee
OfferExisting Customers
100,000 St.George Amplify points
Exclusive Concierge Service for Amplify Signature cardholders to explore and book experiences online including hard-to-find tickets and last-minute reservations.
Spend $12,000 in 365 days
$99 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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NAB Rewards Platinum Card with Velocity
Velocity points
$195 annual fee
Offer
70,000 Velocity points
NAB Concierge Service available 24/7 for cardholders of both NAB Rewards Platinum and Signature Cards.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $995
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The American Express Platinum Card
American Express points
$1,450 annual fee
Offer
200,000 American Express points
24/7 Platinum Card Services providing emergency assistance, account balance help, Membership Rewards redemption, and Additional Cards management.
Spend $5,000 in 90 days
Offer Expires in 6 months (2026-08-25)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.
Read my analysis Westpac Altitude Velocity Black (Velocity Bonus Offer)
Velocity points
$295 annual fee
Offer
120,000 Velocity points
Personal Concierge Service available 24/7 for Westpac Altitude Black cardholders to browse and book experiences, purchase hard-to-get tickets, and make last-minute restaurant reservations via westpac.tenconcierge.com or phone 1300 651 999 (option 4).
Spend $6,000 in 120 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,670
Read my analysis Westpac Altitude Velocity Black (Existing customers, Velocity Bonus Offer)
Velocity points
$295 annual fee
OfferExisting Customers
120,000 Velocity points
Personal Concierge Service available 24/7 for Westpac Altitude Black cardholders to browse and book experiences, purchase hard-to-get tickets, and make last-minute restaurant reservations via westpac.tenconcierge.com or phone 1300 651 999 (option 4).
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,765
Read my analysis NAB Rewards Platinum Card with Velocity (Velocity Bonus Offer)
Velocity points
$195 annual fee
Offer
80,000 Velocity points
NAB Concierge Service available 24/7 for cardholders of both NAB Rewards Platinum and Signature Cards.
Spend $4,000 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis ANZ Rewards Platinum (Velocity Bonus Offer)
Velocity points
$149 annual fee
Offer
70,000 Velocity points
24/7 personal concierge service for domestic and international restaurant or hotel bookings, gift ideas, travel recommendations, and more. Contact via phone.
Spend $3,500 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
Est. profit $1,091
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