Who Offers Metal Credit Cards in Australia

 Metal credit cards have become a symbol of prestige and exclusivity. Beyond their sleek and durable design, they often come with a suite of premium perks tailored to individuals who value luxury, convenience, or both. But who exactly offers these sought-after cards, and are they right for you?  

This guide provides a detailed look at the metal credit card options available in Australia. You’ll learn how these cards differ from traditional plastic ones, understand the pros and cons, and ultimately compare credit card features to see if a metal option matches your lifestyle. 

Note: This information is general in nature and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for your circumstances before making any decisions. 

What Are Metal Credit Cards? 

Metal credit cards are exactly what they sound like. They are credit cards made of materials such as stainless steel, titanium, or a metal-plastic composite. Initially, they were reserved for top-tier customers with exclusive bank relationships or invite-only memberships. Today, they are more widely available but still maintain an air of –p[op;sophistication and exclusivity.  

Their appeal isn’t just aesthetic; these cards often come with premium benefits such as higher reward rates, concierge services, lounge access, and more. 

Metal Credit Card Options in Australia 

If you're interested in exploring metal credit cards, here is a list of available options in Australia and their standout features.  

1. American Express Platinum Card 

American Express is known globally for offering prestigious credit cards, and the Platinum Card is one of the most recognisable metal cards. 

Key Benefits: 

• Access to over 1,400 airport lounges worldwide, including Priority Pass. 
• 100K Membership Rewards points when signing up and meeting specific spending requirements. 
• Comprehensive travel and shopping insurance. 
• Annual fee of $1,450 (as of writing). 

Ideal For: 

Frequent flyers and luxury seekers who prioritise extensive travel benefits and top-tier service. 

2. Qantas Premier Titanium Card 

A true contender in the luxury travel market, the Qantas Premier Titanium Card is targeted at Qantas Frequent Flyer members and comes with a sophisticated metal finish. 

Key Benefits: 

• 150K bonus Qantas points for new customers who meet the minimum spend requirements. 
• Unlimited lounge access at Qantas-operated and partner lounges worldwide. 
• Earn up to 1.25 Qantas Points per dollar spent. 
• Complimentary travel insurance and dedicated concierge service. 
• High annual fee of $1,200. 

Ideal For: 

High-income earners who travel regularly with Qantas and enjoy spending on premium products and services. 

3. Westpac Altitude Black Mastercard 

While not exclusively marketed as a “metal” card, the Westpac Altitude Black card stands out for its solid design and benefits. 

Key Benefits: 

• Earn Altitude Points or Qantas Frequent Flyer Points. 
• Two complimentary airport lounge visits each year. 
• Access to exclusive lifestyle and entertainment offers. 
• Annual fee starting at $295. 

Ideal For: 

Those looking for a premium card experience while keeping an eye on costs. 

4. ANZ Frequent Flyer Black Card 

Although not made entirely of metal, this card offers premium benefits often associated with metal credit cards at a more affordable annual fee. 

Key Benefits: 

• Earn Qantas Points on eligible purchases. 
• Complimentary return domestic flight annually. 
• Complimentary lounge passes for selected airports. 
• Annual fee of $425. 

Ideal For: 

Frequent travellers seeking a balance between rewards and affordability. 

5. NAB Qantas Rewards Signature Card 

Another entry for Qantas enthusiasts, this card provides premium perks with a focus on frequent flyer rewards. 

Key Benefits: 

• Bonus Qantas Points on sign-up (up to 120K points in promotional offers). 
• Complimentary insurance cover for travel inconveniences. 
• Concierge service for lifestyle requests. 
• Annual fee of $420. 

Ideal For: 

Customers looking to maximise Qantas Points while enjoying travel conveniences. 

Comparing Metal Credit Cards 

When deciding whether a metal card is worth it, focus on these key areas: 

• Rewards: Compare credit card points systems and assess whether they align with your spending habits. Cards like the Qantas Premier Titanium Card excel at frequent flyer perks, whereas others like the American Express Platinum Card excel in broader Membership Rewards. 
• Perks and Benefits: Lounge access, insurance, concierge services, and exclusive deals can add significant value. Compare credit card perks to see which benefits you’ll actually use. 
• Fees: Premium cards often come with steep annual fees. Compare credit card fees carefully to ensure the benefits justify the cost. 
• Eligibility: Many metal credit cards require a high minimum income or impeccable credit. Ensure you compare credit card offers that suit your financial profile. 

The Pros and Cons of Metal Credit Cards 

Pros: 

1. Prestige: Metal cards feel premium and convey status. 
2. Durability: Unlike plastic cards, metal won’t bend or break easily. 
3. Benefits: They often come with comprehensive travel, lifestyle, and rewards perks. 
4. Rewards: Most metal cards have high point-earning potential. 

Cons: 

1. High Fees: Many cards come with annual fees well above $400. 
2. Weight: The card’s physical weight can make it inconvenient for some users. 
3. Limited Suitability: Benefits are luxury-oriented, which may not align with everyone’s needs. 

How to Choose the Ideal Credit Card 

Here are some steps to help you make an informed decision: 

Assess Your Needs: 

• Do you want travel perks? Look at cards like the Qantas Premier Titanium or American Express Platinum. 
• Are cost savings a priority? NAB and ANZ options might suit you with lower annual fees. 

Compare Features: 

• You may use a comparison tool like Econnex to compare credit card transfers, fees, rewards, and other perks. 

Understand Terms and Conditions: 

• Ensure transparency with annual fees, interest rates, and reward conditions.  

Monitor Your Spending: 

• Ensure your selected card aligns with your monthly spending habits to maximise rewards. 

Why Metal Isn’t Always Better 

It’s worth noting that while metal cards have an allure, they aren’t always the best option. If the perks don’t align with your financial goals or the fees outweigh the benefits, a traditional plastic credit card could be a better fit. Compare credit card rewards, perks, and fees carefully before making a decision. 

Explore available credit card options 

Metal credit cards represent prestige, durability, and comprehensive benefits, making them an attractive option for many Australians. However, it’s essential to align these cards with your lifestyle to ensure you get the most value. Take your time to compare credit cards available in Australia to find the one suited to your needs. 

Want to explore more options?  

Explore available credit card options with the comparison platform like Econnex and compare features to find one that suits your needs.

Disclaimer: The content provided is for informational purposes only and is based on publicly available information. While efforts are made to ensure accuracy, readers should verify all details with credit card providers or distributors. Econnex may earn a commission from selected providers when users switch plans via its platform. Not all plans or providers may be included in the comparison, and availability can vary by location. This blog does not constitute professional advice and should not be the sole basis for financial or energy decisions.