2018’s best low cost cards (with a touch of luxury)

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.

Bankwest - Breeze Platinum Mastercard
  • $99 annual fee
  • 0% interest on purchases for 13 months (12.99% after)
  • Spend with Bankwest Halo payment ring
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With no interest on purchases for the first 13 months, and a host of premium perks like a concierge service and international travel insurance, it’s no wonder the Bankwest Breeze Platinum now has a Mozo Experts Choice Award under its belt. Spenders who consider themselves up-to-date with the cutting edge of payment technology will also love that this card can be linked to the Bankwest Halo payment ring, which won a Mozo Experts Choice Award for Innovation.

Bendigo Bank - Low Rate Platinum Credit Card
  • 11.99% purchase rate
  • $89 annual fee
  • Free mobile and tablet screen insurance
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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.

Bank of Melbourne - Vertigo Platinum
  • $0 fee in the first year ($99 after)
  • Low 12.74% purchase rate
  • Free overseas travel insurance
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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.

28 Degrees - Platinum Mastercard
  • $0 annual fee
  • $0 currency conversion fee
  • 24/7 concierge service
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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.

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
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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.

Citi - Clear
  • $0 in the first year ($99 after)
  • 12.99% purchase rate
  • Free bottle of wine at partner restaurants
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Don’t let the 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!

Want to see more options? Check out the rest of the Mozo Experts Choice Credit Card Award winners.

^See information about the Mozo Experts Choice Credit Card Awards

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