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ANZ Platinum Credit Card
ANZ Platinum Credit Card

ANZ Credit Cards

ANZ Platinum Credit Card

Updated 22 November 2021

0% p.a. for 17 months on purchases and $0 Annual Fee in the first year with an ANZ Platinum credit card. Add up to 9 additional card holders at no additional cost. Comes with complimentary insurance and ANZ Falcon security monitoring for fraudulent transactions 24/7. Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Reverts to standard purchase rate, currently 20.24% p.a. In each subsequent year, standard annual fee (currently $87) applies. Eligibility criteria, T&Cs, fees and charges apply.

Purchase Rate (p.a)

0% p.a.

for 17 months. Reverts to 20.24% p.a.

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$0 first year. Then $87 p.a.

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • No annual fee in the first year. $87 p.a. thereafter
  • 0% p.a. for 17 months on purchases. Reverts to 20.24% p.a.
  • No annual fee for each subsequent year you spend $20,000 or more on the card
  • Up to 9 additional card holders for free
  • Complimentary International Travel Insurance
  • Rental Vehicle Excess In Australia Insurance, Interstate Flight Inconvenience Insurance
  • Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay

  • No reward points or program

Creditcard.com.au review

Editor Review

ANZ Platinum Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt about this card.

The ANZ Platinum Credit Card

With the ANZ Platinum Credit Card, you could enjoy a range of platinum perks – plus a very nice 17-month 0% purchase offer – with no annual fee first year. As a new cardholder, you will pay $0 annual fee in the first year, and then, as long as you make $20,000 in eligible purchases each year after that, the standard annual fee will be waived.

What we love...

This is a great long 0% purchase offer that comes with the ANZ Platinum Credit Card, allowing you to pay no interest for 17 months on purchases. Make sure you clear your balance and pay it off before the 17 months as the standard purchase rate is a high 20.24% p.a.

But, that’s not the only way the ANZ Platinum Credit Card can help you save money. If you apply today, you will pay no annual fee for the first year. While the card’s standard annual fee is relatively low for a platinum credit card, you can avoid it completely in the years following that, simply by making $20,000 in eligible purchases on the card each year.

As for after the 17 months interest free period, the card provides up to 55 days interest free on purchases, as long as you pay your account in full each month. But, it’s best to read up on how this feature works, as you do not have 55 days interest free on every purchase.

The number of interest free days you benefit from depends on when the purchase is made, and how far through the statement cycle it is. With the ANZ Platinum Credit Card’s high purchase rate, this is definitely a feature you want to get your head around, if you want to make all that money-saving count.

What’s not so great...

As with so many platinum credit cards, the ANZ Platinum Credit Card is far from a low rate credit card. The card’s purchase rate and cash advance rate are relatively high, so it’s best to avoid them whenever possible by paying the balance in full by the due date, and avoiding cash advances altogether.

Why should you choose this card?

Anyone looking for an affordable platinum card with basic features should be pretty happy with the ANZ Platinum Credit Card. There is that 0% p.a. purchase offer, which is enticing, plus some useful extras, such as complimentary International Travel Insurance, Rental Vehicle Excess In Australia Insurance and Interstate Flight Inconvenience Insurance.

Of course, the card also offers all the basics, such as 24/7 fraud monitoring with ANZ Falcon, ANZ Fraud Money Back Guarantee, worldwide emergency credit card replacement and contactless payment technology. All you need to be eligible, is to be 18 or over with a good credit rating and either be an Australian resident, or a non-permanent resident with more than nine months on your visa.

Overall Rating

A basic platinum card with a selection of handy features, the ANZ Platinum Credit Card could help to save you money with $0 annual fee for the first year (and the opportunity to pay no annual fee each year thereafter) and 0% p.a. on purchases for 17 months.

User reviews

ANZ Platinum Credit Card ( based on 33 Creditcard.com.au user reviews )

71% rating based on 33 reviews

Rates
Fees
Rewards
Customer Service
Value
98%

Victor G

18 December 2019

This is an excellent platinum card, with terrific benefits for a reasonable yearly fee. It has no "rewards" programme but has full travel benefits for both international and domestic travel,including domestic car rental excess cover which is a rarity with most platinum cards. I have found the ANZ customer service staff to be excellent on the few times I have needed their assistance. I highly recommend this card, especially if you travel domestically quite often.

Recommends this card

Rates and fees

Interest rates



Purchase rate 20.24% p.a.

Introductory purchase rate 0% p.a. for 17 months

Cash advance rate 20.24% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $6,000

Maximum credit limit N/A

Fees & repayments

Annual fee $87 p.a.

Additional cardholder fee Up to 9 at no extra cost

Foreign transaction fee 3%

Minimum repayment 2% or $25, whichever is greater

Annual fee the first year $0

Cash advance fee Consumer: 2% or $4 whichever is greater (2% or waived for RTA); Commercial: 1.50% or $1.50 whichever is greater

Late payment fee $20

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Overview

ANZ Platinum Credit Card

A great choice if you like to travel, the ANZ Platinum card offers complimentary International Travel Insurance. You will also have access to a 24/7 Personal Concierge service, which can help with everything from booking flights to giving recommendations for your next holiday. Cardholders can also enjoy Rental Vehicle Excess In Australia Insurance, Purchase Protection Insurance, Extended Warranty and Interstate Flight Inconvenience Insurance. Add up to 9 additional free cardholders, get access to exclusive entertainment packages with Visa Entertainment, worldwide emergency card replacement, and up to 55 days interest free on purchases.

0% p.a. for 17 months on purchases and $0 Annual Fee in First Year. Reverts to standard purchase rate, currently 20.24% p.a. In each subsequent year, standard Annual Fee (currently $87) applies. Eligibility criteria, T&Cs, fees and charges apply.

Key features

  • No Annual fee first year. In each subsequent year, standard Annual Fee (currently $87) applies
  • 0% p.a. for 17 months on purchases. Reverts to standard purchase rate, currently 20.24% p.a.
  • Platinum Concierge
  • International Travel Insurance
  • Rental Vehicle Excess In Australia Insurance, Interstate Flight Inconvenience Insurance
  • Extended Warranty Insurance, Purchase Protection Insurance and Guaranteed Pricing Scheme
  • ANZ Falcon security monitoring for fraudulent transactions 24/7
  • Up to 9 additional card holders at no additional cost
  • Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

217 questions (showing the latest 10 Q&As)

John

John

1 November 2021
I am not after BPay or points. But want to take advantage of 0% on purchase for X months to send some money through western union overseas. Wondering if it's considered as valid purchase or cash advancd
    Pauline - CreditCard.com.au

    Pauline

    2 November 2021
    Hi John, good question! Sending money through Western Union is considered a cash-related transaction. In this case, if you send money you will incur a 20.24% p.a. cash advance rate plus a 2% of $4 cash advance fee (whichever is higher) of the total cash amount. Cash advances also start accruing interest straight away. If you really do need to use your credit card for sending money, there is a new card from Westpac called the "Flex Card" that you could potentially consider. This card does not charge interest on cash advances. The card offers a monthly fee and a lower credit limit. Let us know how you go!
John

John

29 October 2021
Is using the credit card in money transfer service such as money gram or western union considered as purchase?
    Pauline - CreditCard.com.au

    Pauline

    1 November 2021
    Hi John, earning points using your credit card to pay for money transfer services can get a little tricky. There are ways though on how to earn points for such using BPAY. Here’s a guide we’ve written on how you can set up BPAY for your guidance that might help you being slugged with the cash advance interest rate. Let us know how you go!
BOBY MICHAEL

BOBY MICHAEL

12 October 2021
How about paying for insurance like car insurance renewal and home insurance and paying for car service and Rego renewal of cars
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 October 2021
    Hi Boby, this is always a tricky area when it comes to earning rewards points. There are ways to beat the system by setting things up with bpay. We’ve written a guide on how to earn points through BPAY on your credit card that might help you.
ivan

ivan

6 September 2021
Hi, I previously had an ANZ CC. If I will apply for this card, will I'll still be eligible for 17months 0% purchase rate for the first 17 months? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 September 2021
    Hi Ivan, the 0% purchase rate offer is available only for new and approved credit card applicants that have not held an ANZ within the previous 12 months.
Caz

Caz

2 September 2021
Hi I want to pay an orthodontist fee up front, would this be considered a purchase? Would this card be suitable? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 September 2021
    Hi Caz, paying doctor’s fee is considered an eligible purchase/transaction. Whilst we cannot recommend one card over another, you can go to our comparison tool to check the different offers that may suit you best.
Hahall

Hahall

30 July 2021
Hi, Roland Can i use this credit card to purchase laptop and how much i will get interrest and when I finish that purchase can I cancel credit card or I need to hold for a while
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 July 2021
    Hi Hahall, thanks for your question! Yes you can use the ANZ Platinum credit card to purchase gadgets like laptops. A zero percent card can be a good way to make purchases like this and pay them down in installments! With the ANZ Platinum, you will receive 0% interest for 17 months. This rate applies to any purchase you make during this time and will revert to the regular purchase rate of 20.24% p.a after the 17 months is over. You can also request to have your card cancelled at any time. Keep in mind you will need to pay off any outstanding balance if you do cancel before the end of the interest-free period. We hope this has helped!
Anita

Anita

25 July 2021
Hi Roland, I am wanting to pay my student loan in a lump sum $7000. can I use this card, and is it classed as a 'cash advance'? Anita
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 July 2021
    Hi Anita, when you transfer an amount from a credit card to any other facility this is generally considered a cash advance. For example, it could be moving cash to a debit card or loan. There are a number of credit cards that allow you to balance transfer a loan to a 0% balance transfer credit card. These providers are Citi, and others backed by Citi such as Qantas Money, Virgin Money and Coles. If you’d like to learn more about cash advances, we break down the finer details of cash advances here.
Albert

Albert

13 May 2021
Hi, I am a bit overwelmet with all the cards, would you be able to help me find the right one for me please?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 May 2021
    Hi Albert, thanks for your question! We understand there’s a lot to consider when comparing credit cards. Different cards have different offers and choosing the right card essentially comes down to your individual circumstances. To help, we’ve written this guide that could help guide you. How To Choose The Best Credit Card For You - Hopefully this helps you out in your search.
Stuart adam

Stuart adam

5 February 2021
It says interest free on 17 months but in the fees section it says 55 days interest free. Why?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 February 2021
    Hi Stuart, After the 17 month promotional period, the standard interest-free period available on this card is 55 days.
PETER C WALLACE

PETER C WALLACE

30 January 2021
does the travel insurance have an age limit on it. I turn 80 next week & am in very good health.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 February 2021
    Hi Peter, yes they all have limits on age. Great to hear that you are in very good health. Checking the policy. You must be 80 years of age or under on the day you activated the insurance policy. Therefore it seems like you will have another year left that this card insurance can work for you.
Alyssa Valentine

Alyssa Valentine

25 January 2021
what does 0% PA mean? if i buy something for $1000 do i need to pay the whole amount back in 55 days or is it 17 months interest free
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 January 2021
    Hi Alyssa, the up to 55 days only applies post the intro 0% period. With this special offer, you get 0% for 17 months on purchases from the date of card issue.
Lisa

Lisa

8 January 2021
Hello, does the 17months interest free apply to balance transfers?
Richard

Richard

24 November 2020
any of your credit card offer different card no for the Primary cardholder and Additional card holder?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 November 2020
    Hi Richard, yes, a primary and secondary card holder have different credit card numbers. In your statement, you can see the different spend by both cards.
Peter

Peter

9 September 2020
When making a purchase with this card is it 55 days interest free or 17 months? I am confused as to which applies to new purchases??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 September 2020
    Hi Peter, the special promotional offer gives you 0% for 17 months on purchases. Post that period, then you can get up to 55 days interest free (standard). Bottom line you can spend on the card. Even max it out and not pay any interest until 2022. Though I always suggest you pay off the balance in full before the intro period expires.
Charlie

Charlie

29 May 2020
I have recently applied and received a Comm Bank credit card. (Less than a month) I have good credit. However, I would like to apply for the ANZ Platinum Credit Card. Will I be rejected if I apply for it since the criteria states "Good Credit and have not applied for multiple credit cards recently"?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 June 2020
    Hi Charlie, its tough. My recommendation is only to apply for 1 credit item ever 6 months. Though if you have good credit. Plus then also have good income v expenses, assets v liabilities. Then naturally you can still get approved for another card. The bank will max out any credit cards. Then look at you paying them back over 3 years. Taking this into consideration.
Nirmal

Nirmal

22 April 2020
Want credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 April 2020
    Hi Nirmal, sure if you meet all minimum application criteria you can apply here.
Billy

Billy

11 December 2019
Can we obtain credit card of $50,000 with average credit score of 518? I have stable job and no mortgage. Also how does it impact my credit score in future?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 December 2019
    Hi Billy, a maximum credit limit has not been provided by ANZ. Therefore it could be possible to get a 50k limit. You can request this at the time of application. Though, if approved, the bank will assign you a limit based on your personal situation. 50k is a huge limit to get straight off the bat. You would need great income v expenses, assets v liabilities and credit history to get this type of limit.
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