Kelly Emmerton   |   26 Oct 2018


Here at Mozo, we’re big believers that a little bit of luxury doesn’t have to cost you an arm and a leg. That’s why we’ve pulled together a list of Mozo Experts Choice Award winning credit cards that come with either a low interest rate or no annual fee, but also include some sweet platinum perks.

From rewards points to extended warranty, personal concierge services to free smartphone screen insurance, these cards have the luxurious touches you want, and the great value you need.

Check out our editors’ hand-picked list of low cost platinum cards below.

28 Degrees Platinum Mastercard

If you’re an avid traveller, the 28 Degrees Platinum Mastercard might be just the ticket. It’s a winner in the Mozo Experts Choice No Annual Fee Platinum Card category and comes with great cost-savvy features like no annual fee and no foreign exchange margin for all your souvenir spending, along with first-class perks like a 24/7 concierge service and optional Shoppers Protection insurance.

Bank of Melbourne Vertigo Platinum

A winner in the Low Rate Platinum Credit Card category, the Bank of Melbourne Vertigo Platinum card comes with a competitive low interest rate, plus a range of complimentary bonuses to sweeten the deal, including a 24/7 concierge service, complimentary overseas travel insurance, purchase protection, extended warranty and guaranteed pricing.

NAB Low Rate Platinum Card

  • Up to $240 cashback in first year

  • 13.99% purchase rate

  • Spend with Google Pay, Samsung Pay, Garmin, Fitbit, PayTag

With a $6,000 minimum credit limit, this Low Rate Platinum Credit Card winner is great for big spenders. It comes with a relatively low $100 annual fee and extras like travel insurance, extended warranty, purchase protection, guaranteed pricing and domestic hotel burglary insurance. Plus, you can snag $20 cashback each month you spend $1,500 for the first 12 months – a tidy little bonus.

Bendigo Bank Low Rate Platinum Mastercard

Super competitive interest rate? Check. Premium perks like purchase protection and extended warranty? Check. Mozo Experts Choice Award for Low Rate Platinum Credit Card? Check. The Bendigo Bank Low Rate Platinum Mastercard is a great everyday card – especially if you’re keen to have free insurance protecting you in case your phone and tablet screen breaks.

BankSA Vertigo Platinum

Offering the lowest purchase rate available from BankSA, the Vertigo Platinum also comes with some choice freebies like extended warranty, purchase protection, guaranteed pricing and complimentary international travel insurance. Add to that a personal concierge service and it’s easy to see why this one picked up a Mozo Experts Choice Award in the Low Rate Platinum Credit Card category.

Citi Clear Platinum

Don’t let the low purchase rate and waived annual fee fool you – the Citi Clear Platinum packs a punch when it comes to premium perks. Starting with the usual concierge service, extended warranty and purchase protection the freebies included with this Low Rate Platinum Credit Card winner also comes with exclusive discounts on things like shopping, health spas, movie tickets through Citi World Privileges. Not too shabby!

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