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ANZ Platinum Credit Card
ANZ Platinum Credit Card

ANZ Credit Cards

ANZ Platinum Credit Card

Updated 12 April 2024

The ANZ Platinum can help you save more by giving you $300 back 💰 on your account and waiving your annual fee in the first year (and every year, if you spend $20k 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.

*T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $87 thereafter)

Purchase Rate (p.a)


Annual Fee (p.a)

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


My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Discounts. $300 back on your account when you spend $1,500 on eligible purchases in the first 3 months from approval. Plus, the annual fee is waived the first year, and each subsequent year if you meet the $20k 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 for free, and sync with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
  • T&Cs apply to all features so check our review and the PDS for details.

  • No reward points or program
  • 20.99% p.a. interest rate review

Editor Review

ANZ Platinum Credit Card

Pauline Hatch
Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. 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.

⚠ Important changes to ANZ's credit card insurance policies: ANZ is making changes to the complimentary insurances on its credit cards which will take effect from 7 June 2024. A summary of the upcoming changes can be found here.

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.

$300 back. You’ll get $300 credited back to your account if you spend at least $1500 on eligible purchases within 3 months from approval. You’ll receive the credit within 3 months of meeting the spend criteria.

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.

Collapsible with Arrow

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.

$300 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. To get the best deal, make sure you can meet the $1500 spend requirement for the $300 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

ANZ Platinum Credit Card ( based on 34 user reviews )

69% rating based on 34 reviews

Customer Service


25 July 2023

This 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 card

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 20.99% 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 No fee

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%

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 6 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


Domestic Travel Insurance

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


ANZ Platinum Credit Card

A great choice if you like to travel, the ANZ Platinum card offers complimentary international and domestic travel insurance (including COVID-19 coverage, T&Cs apply) 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.

Enjoy $300 back to your new ANZ Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months from approval. 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. 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).
  • Get $300 back to your new ANZ Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months from approval
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
  • 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, 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 our credit card expert a question.

272 questions (showing the latest 10 Q&As)



30 April 2024
Are there any credit cards with travel insurance that don't require a return ticket?
    Pauline -


    6 May 2024
    Hi Nikki, it looks like CommBank are the only provider that offers this feature. You can find their Credit Card Insurances PDS on their web site to find out more.


2 April 2024
My husband and I have booked a trip in December but my husband has been diagnosed with a condition as such that we have had to reassess our priorities and where and when we travel. I thought the deposit I had put down was sufficiently high enough to be able to cancel but it is not the case and we will lose it and cannot transfer it. Are we eligible to make a claim against the travel insurance?
    Pauline -


    9 April 2024
    Hi Anita, first of all - very sorry to hear of your circumstances. We're not insurance experts here at so your first port of call should be the ANZ Insurances booklet and PDS. It has details on the kinds of things you can claim for and how to make a claim on your insurance. Hope you get it all sorted Anita!
Peter Jackson

Peter Jackson

2 March 2024
Can you please forward us information on what is covered by the travel insurance.
    Pauline -


    4 March 2024
    Hi there Peter, the official ANZ Travel Insurance site has the most up-to-date information for your reference: Hope you find what you need!
Debby Carter

Debby Carter

16 January 2024
Can you please tell me if I can earn Qantas frequent flyer points on this credit card
Karen Maria Menna

Karen Maria Menna

6 September 2023
I have an ANZ platinum credit card and I am going on holiday at the end of this month. How can I make sure I am covered for travel insurance.
    Pauline -


    8 September 2023
    Hi Karen, yay for holidays! First, have a look at the PDS to make sure you’re eligible. You’ll need to meet some criteria like spending a minimum amount on your travel and having a return ticket. If you think you qualify, you can get a letter of insurance confirmation via Allianz’s website by filling in some details. Happy travelling!
Campbell lawrie

Campbell lawrie

30 August 2023
Want to contact Insurance company re travel insurance.
    Pauline -


    4 September 2023
    Hi Campbell, you can contact the Allianz Global Insurance at 1300 135 271.


18 August 2023
Im about to go overseas and am wondering if I have travel health insurance with my Platinum card while i am away?
    Pauline -


    23 August 2023
    Hi Zannie, I see that overseas emergency medical and dental coverage is included. You can head over to their official complimentary insurance PDS for more information about coverage, limits, and general exclusions. Safe travels!
Peter Johnson

Peter Johnson

26 July 2023
I have a rental car for a month paid for by Ford as my car is in for warranty work. I have paid the $100 bond at Europcar with my anz platinum visa card. In the event of an accident is my excess covered under my platinum card in these circumstances?
    Pauline -


    1 August 2023
    Hi Peter, this is a bit of a tricky one. The ANZ / Allianz Insurance booklet states that you must pay the entire cost of the rental card on your card. As Ford is paying for your car, you’ll need to check with both Ford and Allianz on the specifics of your cover. You can get in touch with Allianz on 1300 135 271.


25 July 2023
Hi. Does it cost extra if I withdraw some cash from platinum credit card and repay within a month. Thank you
    Pauline -


    25 July 2023
    Hi Shihab, with the ANZ Platinum card, you may withdraw cash. It will cost you interest from the moment you make the transaction, at 21.24% p.a. that doesn’t come with interest free days either. Also please note though that you’ll be charged a cash advance fee of 3% (within Australia or 3% or $4 (whichever is greater) if you’re overseas too.


11 July 2023
does our platinum card cover us for overseas travel insurance
    Pauline -


    12 July 2023
    Hi Lisa, I do see that complimentary international travel insurance is included in the ANZ Platinum credit card. You can contact ANZ directly at 13 22 73 or check ANZ’s official complimentary insurance PDS for specific information about the coverage as well as its terms, eligibility, and general exclusions.
Paul Smart

Paul Smart

10 July 2023
In order to get travel insurance, I'll have to spend $250 on my cc on travel related expenses - Is this correc
    Pauline -


    11 July 2023
    Hi Paul I checked this for you and in order to qualify for international travel insurance coverage, several conditions must be met. These conditions include spending at least $250 on travel expenses prior to departing from Australia and making the payment using your ANZ Platinum card. Additionally, you must be an Australian resident, have return tickets for overseas travel before leaving Australia, and be under 81 years old. You can read more information about the card’s insurance terms, eligibility and the exclusions in their official complimentary insurance PDS here.
Gerald Browne Browne

Gerald Browne Browne

18 May 2023
Hi, thanks for your response to my request for the PFD statement from Allianze for the complimentary International travel insurance. I have tried to enter the type of card and it doesn't seem to recognize my ANZ Platinum card? I have enterred the first 6 digits of my ANZ Platinum card and then selected Anz Platinum from the drop down menu and asks me to select another card? Any help with this would be great as we are travelling in august and want to get my insurance worked out. Kind regards, Jerry
    Pauline -


    19 May 2023
    Hi Gerald, you’re welcome! Unfortunately, as a credit card reviews site, this is a bit outside our scope. This sounds more like an error with the ANZ site, so I suggest giving ANZ a call at 13 13 14 and explaining the issues you’re having with their site. Good luck!
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