Credit Cards with Concierge Service

Ranked by estimated first-year value after fees. Uses each offer's best redemption, assumes the bonus is earned and the balance is paid in full.

1. 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's Take

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

Estimated value after fees $1,408

Velocity flights

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2. 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's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Estimated value after fees $1,300

Qantas flights

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3. 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's Take

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

Estimated value after fees $1,229

Velocity flights

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4. 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's Take

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

Estimated value after fees $1,216

Velocity flights

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5. 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 17 days (2026-10-28)

Craig's Take

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

Estimated value after fees $1,123

Qantas flights

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6. 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's Take

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

Estimated value after fees $1,121

Velocity flights

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7. 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 17 days (2026-10-28)

Craig's Take

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

Estimated value after fees $1,028

Qantas flights

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8. 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's Take

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

Estimated value after fees $1,011

Qantas flights

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9. 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's Take

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

Estimated value after fees $881

Velocity flights

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10.

10. 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's Take

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

Estimated value after fees $852

Velocity flights

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11.

11. 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's Take

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

Estimated value after fees $836

Velocity flights

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12.

12. 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's Take

Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.

Estimated value after fees $668

Velocity flights

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13.

13. 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's Take

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

Estimated value after fees $611

Qantas flights

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14.

14. 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's Take

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

Estimated value after fees $517

Velocity flights

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15.

15. 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's Take

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

Estimated value after fees $514

Velocity flights

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16.

16. 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's Take

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

Estimated value after fees $471

Qantas flights

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17.

17. 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's Take

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

Estimated value after fees $451

Qantas flights

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18.

18. 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's Take

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

Estimated value after fees $346

Qantas flights

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19.

19. 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's Take

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

Estimated value after fees $287

Qantas flights

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20.

20. 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's Take

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

Estimated value after fees $285

Krisflyer flights

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21.

21. 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's Take

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

Estimated value after fees $147

Qantas flights

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