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ANZ Platinum Credit Card
ANZ Platinum Credit Card

ANZ Credit Cards

ANZ Platinum Credit Card

Updated 24 August 2020

0% p.a. for 17 months on purchases and $0 Annual Account Fee in 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.
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:

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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

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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 30 Creditcard.com.au user reviews )

76% rating based on 30 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 limt $6,000

Maximum credit limit N/A

Fees & repayments

Annual fee $87 p.a.

Additional card holder fee Up to 9 at no extra cost

Foreign transaction fee 3%

Minimum repayment 2% or $10 - whichever is greater

Annual fee the first year $0

Cash advance fee 2%

Late payment fee $20

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance No

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 Account Fee in First Year. Reverts to standard purchase rate, currently 20.24% p.a. In each subsequent year, standard Annual Account 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 Account 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

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

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

204 questions (showing the latest 10 Q&As)

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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