RWRDS

Credit Cards with Concierge Service

Image of ANZ Rewards Platinum credit card
ANZ Rewards Platinum
ANZ points
$149 annual fee
Offer
85,000 ANZ points
24/7 personal concierge for domestic and international restaurant and hotel bookings, gift ideas and travel recommendations; call 1300 580 765 or +61 2 7907 0805
Spend $3,500 in 90 days (~$1,167/mo)
Craig
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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Image of MyCard Premier Velocity credit card
MyCard Premier Velocity
Velocity points
$300 annual fee
Offer
60,000 Velocity points
Complimentary personal concierge service for the primary cardholder, provided by Mastercard Travel & Lifestyle Services
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $792
Read my analysis
Image of MyCard Premier credit card
MyCard Premier
MyCard points
$300 annual fee
Offer
120,000 MyCard points
Complimentary personal concierge service for the primary cardholder, provided by Mastercard Travel & Lifestyle Services
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Good ongoing earn rate. $72 cashback offsets the $300 fee.

Read my analysis
Image of MyCard Premier Qantas credit card
MyCard Premier Qantas
Qantas points
$350 annual fee
Offer
40,000 Qantas points
Complimentary personal concierge service for the primary cardholder, provided by Mastercard Travel & Lifestyle Services (Ten Lifestyle Management).
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate.

Est. profit $290
Read my analysis
Image of Westpac Altitude Rewards Black credit card
Westpac Altitude Rewards Black
Westpac points
$295 annual fee
Offer
100,000 Westpac points
Personal Concierge Service exclusive to Altitude Black cardholders, provided by Ten Lifestyle Services, to book experiences, hard-to-get tickets and last-minute restaurant reservations online or via Lifestyle Managers on 1300 651 999
Spend $12,000 in 365 days (~$986/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

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Image of St.George Amplify Qantas Signature credit card
St.George Amplify Qantas Signature
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Concierge Service exclusive to Amplify Signature cardholders to book experiences, tickets and reservations online; provided by a third-party supplier
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $990
Read my analysis
Image of St.George Amplify Rewards Signature (Existing customers, through log in) credit card
St.George Amplify Rewards Signature (Existing customers, through log in)
St.George Amplify points
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 St.George Amplify points
Personal concierge service exclusive to Amplify Signature cardholders to explore and book experiences, hard-to-find tickets and last-minute reservations; provided by a third-party supplier
Spend $12,000 in 365 days (~$986/mo)
$149 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
Image of Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers) credit card
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Qantas points
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Qantas points
Personal Concierge Service provided by Ten Lifestyle Services for Altitude Black cardholders; browse and book experiences, tickets and restaurant reservations online or by phone 1300 651 999 (option 4)
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Offer Expires in 19 days (2026-10-28)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $1,085
Read my analysis
Image of Westpac Altitude Velocity Black credit card
Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Personal Concierge Service provided by Ten Lifestyle Services for browsing and booking experiences, hard-to-get tickets and last-minute restaurant reservations online; Lifestyle Managers available 24/7 by phone
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $1,080
Read my analysis
Image of Westpac Altitude Velocity Black (Existing customers) credit card
Westpac Altitude Velocity Black (Existing customers)
Velocity points
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Velocity points
Personal Concierge Service provided by Ten Lifestyle Services for browsing and booking experiences, hard-to-get tickets and last-minute restaurant reservations online; Lifestyle Managers available 24/7 by phone
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $1,175
Read my analysis
Image of ANZ Frequent Flyer Platinum credit card
ANZ Frequent Flyer Platinum
Qantas points
$295 annual fee
Offer
25,000 Qantas points
24/7 ANZ Personal Concierge for domestic and international restaurant and hotel bookings, gift ideas and travel recommendations; call 1300 580 765 or +61 2 7907 0805
Spend $3,500 in 120 days (~$875/mo)
Craig
Craig's Take

Easy $29/day spend to hit the bonus. Good ongoing earn rate.

Est. profit $105
Read my analysis
Image of NAB Qantas Rewards Signature Card credit card
NAB Qantas Rewards Signature Card
Qantas points
$449 annual fee
Offer
40,000 Qantas points
NAB Concierge Service: 24 hour, 7 day personal assistant for travel and lifestyle services; call 1300 730 213
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.

Est. profit $391
Read my analysis
Image of NAB Qantas Rewards Premium Card credit card
NAB Qantas Rewards Premium Card
Qantas points
$295 annual fee
Offer
25,000 Qantas points
NAB Concierge Service available 24 hours a day, 7 days a week for travel and lifestyle services; call 1300 730 213
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.

Est. profit $255
Read my analysis
Image of ANZ Frequent Flyer Black credit card
ANZ Frequent Flyer Black
Qantas points
$425 annual fee
Offer
50,000 Qantas points
24/7 ANZ Personal Concierge for domestic and international restaurant or hotel bookings, gift ideas and travel recommendations; call 1300 580 765 (or +61 2 7907 0805 from overseas).
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.

Est. profit $375
Read my analysis
Image of NAB Qantas Rewards Signature Card credit card
NAB Qantas Rewards Signature Card existing customer offer
Qantas points
$449 annual fee
Existing customers onlyCan I become an existing customer?
Offer
50,000 Qantas points
NAB Concierge Service: 24 hour, 7 day personal assistant for travel and lifestyle services; call 1300 730 213
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.

Est. profit $551
Read my analysis
Image of NAB Rewards Platinum Card credit card
NAB Rewards Platinum Card
NAB points
$195 annual fee
Offer
80,000 NAB points
NAB Concierge Service: personal assistant for travel and lifestyle services, available 24 hours a day, 7 days a week
Spend $3,000 in 90 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
Image of Virgin Australia Velocity Flyer Card credit card
Virgin Australia Velocity Flyer Card
Velocity points
$169 annual fee
Offer
50,000 Velocity points
24/7 access to Visa Platinum Concierge Service for personal assistance with travel, dining, and entertainment bookings.
Spend $3,000 in 60 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate. $129 cashback offsets the $169 fee.

Est. profit $810
Read my analysis
Image of Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months) credit card
Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months)
Qantas points
$399 annual fee
No Qantas credit card in past 24 monthsCheck my eligibility
Offer
80,000 Qantas points
Complimentary Qantas Money Credit Card Concierge service for the primary cardholder, available by phone for assistance such as restaurant reservations and travel bookings
Spend $5,000 in 90 days (~$1,667/mo)
$349 first year annual fee, $399 thereafter
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.

Est. profit $931
Read my analysis
Image of Qantas Premier Titanium credit card
Qantas Premier Titanium
Qantas points
$1,200 annual fee
Offer
150,000 Qantas points
Complimentary dedicated concierge for the primary cardholder, available 24/7 by phone for bookings and reservations (Mastercard Travel & Lifestyle Services).
Spend $5,000 in 90 days (~$1,667/mo)
Craig
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
Read my analysis
Image of The American Express Platinum Card Referral Offer credit card
The American Express Platinum Card Referral Offer
American Express points
$1,450 annual fee
Referral offerHow referrals work
Offer
225,000 American Express points
24/7 Platinum Card Services for emergency assistance, account balance, Membership Rewards point redemption and Additional Cards.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Read my analysis
Image of NAB Rewards Platinum Card with Velocity credit card
NAB Rewards Platinum Card with Velocity
Velocity points
$195 annual fee
Offer
40,000 Velocity points
NAB Concierge Service available to Platinum cardholders on 1300 730 213, 24 hours a day 7 days a week; provided by Visa Worldwide or International SOS
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $485
Read my analysis
Image of Virgin Australia Velocity High Flyer Card credit card
Virgin Australia Velocity High Flyer Card
Velocity points
$349 annual fee
Offer
80,000 Velocity points
24/7 access to Visa Platinum Concierge Service for travel, dining, and entertainment assistance.
Spend $7,000 in 60 days (~$3,500/mo)
Craig
Craig's Take

Tough spend — $117/day for 60 days. Good ongoing earn rate. $129 cashback offsets the $349 fee.

Est. profit $1,140
Read my analysis
Image of Westpac Altitude Qantas Black credit card
Westpac Altitude Qantas Black
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Personal Concierge Service provided by Ten Lifestyle Services for Altitude Black cardholders; browse and book experiences, tickets and restaurant reservations online or by phone 1300 651 999 (option 4)
Spend $6,000 in 90 days (~$2,000/mo)
Offer Expires in 19 days (2026-10-28)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $990
Read my analysis
Craig

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— Craig