- Discounts. Earn up to $250 credit back to your new ANZ Platinum credit card. Earn $100 credit back to your new card when you spend $2,000 on eligible domestic purchases in the first 3 months from approval of your new card. Earn $150 credit back to your new card when you spend $1,500 on eligible overseas purchases in the first 6 months from approval of your new card. Plus, the annual fee is waived the first year, and each subsequent year if you meet the $20,000 minimum annual spend (otherwise $87)
- Insurances. Complimentary international and domestic travel insurance (including COVID-19 coverage, T&Cs apply), rental vehicle excess, purchase protection and extended warranty insurance
- Extras. Free 24/7 concierge services, add up to 9 additional card holders at no extra cost, and sync with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
- Up to 9 additional cardholders at no extra cost
- T&Cs apply to all features so check our review and the PDS for details.
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
ANZ Credit Cards
ANZ Platinum Credit Card
Updated 13 June 2025
Earn up to $250 credit back to your new ANZ Platinum credit card. 💰 Plus, waiving your annual fee in the first year (and every year, if you spend $20,000 on your card in the year before).
With a bunch of extras like insurances for shopping and travel, including rental vehicle excess in Australia, this card is a good fit if you want a low-cost credit card with some extras that make the fun things in life cheaper.
New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee of $0 in the first year, currently $87 thereafter).
Purchase Rate (p.a)
20.99%
Annual Fee (p.a)
$0 first year. Then $87 p.a.
Pros and cons
- No reward points or program
- 20.99% p.a. interest rate
Creditcard.com.au review
Editor Review
ANZ Platinum Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Who suits the ANZ Platinum card?
Globetrotter: you love travelling and look for cards with free insurances, and make travel cheaper and easier.
|
First Timer: you’re looking for a fairly simple card with some perks to get you started. You’d like it to have a low annual fee and a low interest rate.
|
Money Geek: you’re money-savvy and want ways to save and earn, including discounts, cashback and insurance guarantees.
|
Editor's Review: What I love about the ANZ Platinum card
ANZ has put its thinking cap on for its Platinum card. It does an excellent job at targeting the features people are looking for in credit cards that aren’t all about rewards points, with some genuinely worthwhile promotional offers that keep on giving. You’ll get high-end extras for a very low annual fee, and it's a fee you can avoid completely if you meet the minimum spend requirement each year.
I’ll go through each of the promotional offers and then its other bonus features.
$250 back. Earn up to $250 credit back to your new ANZ Platinum credit card. Earn $100 credit back to your new card when you spend $2,000 on eligible domestic purchases in the first 3 months from approval of your new card. Earn $150 credit back to your new card when you spend $1,500 on eligible overseas purchases in the first 6 months from approval of your new card.
No annual fee. The first year you’ll pay no annual fee. For every year after that, you can avoid the annual fee if you spend at least $20,000 on the card on eligible purchases in the year before. If you miss the mark, you’ll pay $87, which still makes this a low-annual fee card.
I checked the ANZ terms and it states these exclusions for its promotional offers. It's always a good idea to read through the PDS to see the full list of eligible and excluded transactions.
$250 credit back offer: “Excludes specific purchases as set out in the ANZ Credit Cards Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers [premiums paid for ANZ credit card insurance], transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify.”
No annual fee offer: “Excludes Balance Transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous period).”
Other perks
The ANZ Platinum has some tricks up its sleeve. Even though it’s a very low-cost card, it has premium features you’d normally pay 3 figures a year for.
First, insurances. You’ll get a range of insurances including:
- International and domestic travel insurance. ANZ has added limited epidemic and pandemic cover, and your eligible spouses and dependents are covered as well. Check the PDS for all the eligibility terms.
- Rental vehicle excess in Australia. This is a truly great feature if you're going to be using a rental vehicle (which includes mini buses and campervans under certain weight limits). You may be able to claim the excess if your rental vehicle is damaged or stolen.
- Purchase protection. This insurance covers items you bought using the card that are lost, stolen or accidentally damaged, giving you a refund of the original purchase price. There are plenty of exclusions and terms, so read the PDS to understand what you’re covered for.
- Extended warranty insurance. You may be covered for an extended period if an item you bought using the card breaks down outside of the manufacturer’s standard warranty. For example, if you bought an oven with a one-year warranty, your card will offer another year's warranty on top. Exclusions and limits apply.
- ANZ Falcon and Fraud guarantee. ANZ has 24/7 fraud monitoring with ANZ Falcone and its ANZ Fraud Money Back Guarantee.
Next, there’s the concierge service. It’s not common to find this kind of feature on a “cheap” credit card, but that’s an extra ANZ does well across its card range.
The concierge service is available 24 hours a day to help you organise flights, itineraries and accommodation, and entertainment such as booking event tickets or restaurants, all the way to sourcing pet grooming services. If I may say, more people need to use this hoity-toity service, especially if you want to feel like Mr Sheffield from The Nanny.
What's not so great
There are hoops you need to jump through to get the most out of this card. Earn up to $250 credit back to your new ANZ Platinum credit card. To get the best deal, make sure you can meet the $2,000 spend requirement in the first 3 months from approval of your new card for the $100 credit back promotion, spend $1,500 on eligible overseas purchases in the first 6 months from approval of your new card for the $150 credit back promotion, and that you’ll spend $20,000 on it each year (without stress) to avoid the annual fee.
The interest rate on purchases is on the higher end at 20.99%. You’ll want to make sure you’re paying off the balance each month in full to avoid paying interest. That’s even more important if you’re going to use the 25-month interest-free promotional period.
The only other downside to this card is that it isn’t a rewards card. You won’t earn any points or get other freebies or discounts. It’s every bit the easy-to-use, low cost card with insurance perks instead.
Overall Rating
Even though its low annual fee should label it a "basic" card, the ANZ Platinum has a foot in the premium card category. It has excellent promotional offers on the table right now, plus premium insurances and deal-sweeteners like concierge services.
All up, these premium perks make this card worth looking at if you’re after your first credit card, or if you want to use freebies like domestic and international travel insurances or make good use of the interest-free period (which is one of the longest available).
User reviews
Rates and fees
Interest rates
Purchase rate 20.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 21.99% p.a.
Balance transfer revert rate 21.99% p.a.
Balance transfer from personal loan No
Balance transfer fee 3% one off
Balance transfer limit 95% of approved credit limit
Brands you can't balance transfer from ANZ
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 3.5%
Minimum repayment 2% or $25, whichever is greater
Annual fee the first year $0
Cash advance fee Consumer: 3% (in Australia); 3% of the amount or $4, whichever is greater (for overseas); Commercial: 1.50% or $1.50 whichever is greater
Late payment fee $20
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 3 consecutive months
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz global assistance
Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Fraud Protection Guarantee
Domestic Travel Insurance
Overview
ANZ Platinum Credit Card
A great choice if you like to travel, the ANZ Platinum card offers complimentary international and domestic travel insurance plus rental vehicle excess cover in Australia. You will also get protected when shopping through purchase protection insurance and extended warranty insurance. You’ll get access to a 24/7 Personal Concierge service, which can help with everything from booking flights to giving recommendations for your next holiday. 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.
Earn up to $250 credit back to your new ANZ Platinum credit card. No annual fee in the first year. No ongoing annual fee each subsequent year if you meet the $20,000 or more minimum annual spend requirement. New card. T&Cs, eligibility criteria, fees, and charges apply (including an annual fee of $0 in the first year, currently $87 thereafter).
Key features
- No Annual fee first year, currently $87 thereafter. No ongoing annual fee each subsequent year if you meet the $20,000 or more minimum annual spend requirement (New cardholders only. T&Cs, eligibility criteria, fees, and charges apply, including an annual fee of $0 in the first year, currently $87 thereafter).
- Earn up to $250 credit back to your new ANZ Platinum credit card
- Earn $100 credit back to your new card when you spend $2,000 on eligible domestic purchases in the first 3 months from approval of your new card
- Earn $150 credit back to your new card when you spend $1,500 on eligible overseas purchases in the first 6 months from approval of your new card
- Complimentary International and Domestic Travel Insurance
- Up to 9 additional cardholders
- Rental Vehicle Excess In Australia Insurance, Purchase Protection Insurance and Extended Warranty Insurance
- 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 is a personal finance expert at CreditCard.com.au, with 9 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 our credit card expert a question.
Ask a question284 questions (showing the latest 10 Q&As)
What is the upper age limit for free travel insurance with this card
Hi Helen, Upon checking the PDS ANZ Platinum Credit Card, I’ve seen that the age limit for eligibility is under 81. Thanks!
Can I purchase an ANZ Platinum credit card as I am traveling overseas next Thursday.
ANZ is my bank.
Hi Julena, you’d be cutting it very fine to get your card delivered to your letterbox in time before you fly. You may apply, but you’ll still need to meet the eligibility requirements. You’ll need to be over 18 years old, have good credit, and be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your visa…plus all the other eligibility criteria ANZ don’t tell us all about. Thanks and have a great trip!
Hello, I am currently with ANZ and have a Visa Credit Card which earns me QFF points. If I now don't have an income and only on a Pension, can I have a Credit Card where I can still add to the QFF ?
Hi Anna, that’s a tricky one. Once you move to a pension or any kind of income that’s not PAYG or self-employed, it’s harder to get a credit card. Our blog on credit cards for pensioners highlights the banks that accept pensions as a source of income. You can try looking for a card with those brands, but just remember rewards cards may have much higher income criteria. You may have better chances with a low-fee rewards card than one with heaps of extras. All the best!
With th e anz platinum credit card, what are the overseas transaction costs for both withdrawal of cash from an atm and purchses made with the card?
Hi Lynda, ANZ charges a 3% fee on international purchases on your card, and a $5 fee for withdrawing from overseas ATMs (and the ATM operator might charge a fee as well). Also remember withdrawals are immediately charged the cash advance interest rate, which is 3% of the transaction amount or $4, whichever is greater. Thanks Lynda!
Liam
25 July 2023This credit card is worth it's weight in gold(or platinum). Their algorithm is so secure that the online security teams warned us in a text about our card having suspicious activities!! I replied and they immediately got the second scammed payment stopped and reclaimed my first unauthorised payment within 10 calender days!! Qudos to ANZ TEAM,. Many thanks to your brilliant, hard work. Recommend this card anytime!!
Recommends this cardVictor G
18 December 2019This 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