- 100,000 bonus Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months from approval.
- Earn 1.5 Reward Points per $1 spent on eligible purchases up to $2,000 per statement period, then 0.5 Reward Points per $1 you spend on eligible purchases above $2,000 per statement period.
- Redeem points for gift cards, merchandise, cashback, travel and more
- Complimentary International Travel Insurance for up to 6 months for cardholders, their spouses and/or dependants
- Complimentary Interstate Flight Inconvenience Insurance – when you travel interstate in Australia on holiday for up to 14 days.
- Rental Vehicle Excess In Australia Insurance - reduces the excess when you hire a car from a major car rental company in Australia, at no extra cost.
- Annual fee of $95 and up to 9 additional card holders (extra cost apply)
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
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ANZ Credit Cards
ANZ Rewards Platinum Credit Card
Updated 19 October 2020
With great earning power, the ANZ Rewards Platinum credit card is an excellent choice if you want to earn as much as possible for a wide variety of rewards. For a limited time it also offers 100,000 bonus Reward Points and $50 back when you spend $1,500 on eligible purchases in the first 3 months. Earn 1.5 Reward Points per $1 spent on eligible purchases up to $2,000 per statement period, then 0.5 Reward Points per $1 thereafter.
New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee currently $95).
Points Earn Rate (per $1 spent)
1.5 points
Capped at $2000, then 0.5 pts per $1 spent
Rewards Program
ANZ Rewards
Bonus Points
100,000 pts
Spend $1,500 in first 3 months
Pros and cons
- Each additional card holder costs $65 annually
- High interest rates
Creditcard.com.au review
Editor Review
ANZ Rewards Platinum Credit Card
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this card.
The ANZ Rewards Platinum Credit Card
Tantalising new cardholders with its incredibly appealing introductory offer, the ANZ Rewards Platinum Credit Card is a platinum rewards card with plenty of benefits. New cardholders can take advantage of complimentary insurances, a Platinum Concierge service, a pretty decent earn rate on the ANZ Rewards program, plus 100,000 bonus Reward Points and $50 back to your new ANZ Rewards Platinum credit card.
What we love...
When it comes to introductory offers, they need to be enticing or there’s really not much point. Happily, the intro offer on the ANZ Rewards Platinum Credit Card is very enticing indeed, providing new cardholders with 100,000 bonus Reward Points and $50 back to your new ANZ Rewards Platinum. All you need to do is be approved, obviously, and spend $1,500 on eligible purchases in the first 3 months.
Simply spend $1,500 on eligible purchases, within that initial three month period, and your account will be credited with 100,000 bonus Reward Points. While you should check the terms and conditions, most purchases count as ‘eligible’ apart from fees, cash withdrawals, and gambling and gaming transactions. The bonus Reward Points and credit will be credited to your ANZ account and the $50 will be credited to your credit card account within 3 months of the eligible spend criteria being met.
Now to the everyday. As this is a platinum rewards card, you can expect a higher earn rate than the standard ANZ Rewards Card. This means you can earn 1.5 Reward Points per $1 spent up to $2,000 per statement period, and 0.5 Reward Points per $1 thereafter.
In terms of point redemption, the ANZ Rewards program offers a wide range of gift cards, merchandise, travel and more, with plenty of options to choose from.
Of course, you need to consider how much you pay out on the card to work out whether it’s actually worth it. Fortunately, the ANZ Rewards Platinum Credit Card has a relatively low annual fee for a platinum rewards card. You can choose to add up to nine additional cardholders to the account to help you earn points faster, but be aware an annual fee applies for each cardholder.
What’s not so great...
As is so often the case with platinum rewards cards, the ANZ Rewards Platinum Credit Card does not fall into the category of ‘low rate’. However, you can avoid paying interest, simply by shunning cash advances and clearing your balance each statement period. Apart from that, there’s really not much to complain about with this card.
Why should you choose this card?
If you’re looking for an affordable platinum rewards card, the ANZ Rewards Platinum Credit Card may well be a winner. For a relatively low annual fee, you can benefit from that awesome introductory offer and rewards program, plus a great range of features. These include a 24/7 Personal Concierge, access to Visa Entertainment, and a full suite of insurance covers.
- International Travel Insurance for up to 6 months
- Interstate Flight Inconvenience Insurance
- Rental Vehicle Excess In Australia Insurance
- Extended Warranty Insurance
- Guaranteed Pricing Scheme
- Purchase Protection Insurance
Overall Rating
A particularly rewarding platinum rewards card, the ANZ Rewards Platinum Credit Card offers a good earn rate on the ANZ Rewards program, a great selection of features, 100,000 bonus Reward Points plus $50 back and all for a nice low annual fee.
User reviews
Rates and fees
Interest rates
Purchase rate 20.24% p.a.
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 $95 p.a.
Additional card holder fee Up to 9 - $65 p.a. each
Foreign transaction fee 3%
Minimum repayment
Cash advance fee 2% Consumer Cards or Business Cards Cash Advance Fee: $1.50 and 1.50% - whichever is greater5
Late payment fee $20
Rewards and points
Rewards program
Rewards Program
ANZ Rewards
Bonus points 100,000 points
Annual points cap uncapped
Bonus points spend criteria Spend $1,500 in first 3 months
Earning points with this card
ANZ Rewards points 1.5 points per $1 spent
Points cap per month Capped at $2000, then 0.5 pts per $1 spent
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 6 months
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 Rewards Platinum Credit Card
Points can be redeemed for hundreds of different rewards, including merchandise, travel, shopping vouchers, and gift cards. If you don’t have enough points for the reward you want, you can simply make up the difference with cash. Choosing the ANZ Rewards Platinum card will also give you worldwide emergency card replacement, up to 9 additional cardholders, access to Platinum Concierge and Visa Platinum privileges.
Key features
- 100,000 bonus Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months from approval. New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee currently $95).
- Earn 1.5 Reward Points per $1 spent on eligible purchases up to $2,000 per statement period, then 0.5 Reward Points per $1 you spend on eligible purchases above $2,000 per statement period.
- Redeem points for gift cards, merchandise, cashback, travel and more
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
- Complimentary International Travel Insurance for up to 6 months
- Complimentary Interstate Flight Inconvenience Insurance – when you travel interstate in Australia on holiday for up to 14 days.
- Rental Vehicle Excess In Australia Insurance - reduces the excess when you hire a car from a major car rental company in Australia, at no extra cost.
- Annual fee of $95 and up to 9 additional card holders (extra cost)
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 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.
Ask a question37 questions (showing the latest 10 Q&As)
Can I still get this offer?
Hi Lin, yes you can. You can apply directly on the ANZ website - https://www.anz.com.au/personal/credit-cards/rewards/platinum/
To be eligible for the 100,000 points, do i have to spend $2500 x 3 months continuously or total $2500 within the first 3 months?
Hi Kah, you will just need to spend a total of $2,500 within the first 3 months post approval.
Hello Roland,
I have a Rewards Platinum card which I used to transfer my FF points to Velocity. I recently rang and changed from Velocity to Air NZ AirMiles. I now regret this. I want to change back to Velocity. Please can you tell me how to do this.? I have tried to ring 1300 367 767 for so long but it is always engaged or not answering. Please help.
Jance Suters
Hi Janice, COVID-19 has affected the banks ability to deliver customer service. Unfortunately you will need to reach out to ANZ to make this change and you are doing the right thing. You will just need to be patient. Maybe wait for a few weeks as things are settling down a bit.
We are already ANZ FF card holder, ages 66 and are looking to upgrade to an ANZ card that includes International travel insurance. I will need to declare a heart by pass from 5 years ago, what type of excess premium $ could I expect on a 30 day US trip as an example?
Also, will there be any Travel Insurance cover differences between Rewards Platinum and FF Platinum?
Hi Mark, firstly there is no difference with the insurance from the FF to the Rewards Platinum. Here is a link to the PDF that details the insurance with the cards. https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-cards-insurance-features-wef-02102019.pdf. You will need to contact the insurer directly in regards to your question on this. You can email [email protected]
Hi we always pay off our credit card in full every month and our spend average spend p.m is about $10,000. i am looking for a card which gives me flexible rewards including redeeming my reward points for cash. can you please recommend a card. thanks.
Hi Anahita, it's tricky as of the moving target. Some are better then the points redemption changes for the cards. If you are focused on cash back. Then to maximise you will need to review your card regularly. You can have a look at the rewards program for each card. Then how many points it would require to get the cash back. I would look at higher end Black cards like the ANZ Rewards Black, AMEX Platinum card, Westpac Altitude Black or American Express Westpac Altitude Black Bundle.
Do you have any information on the ANZ Rewards Platinum for their previous bonus points scheme of 75,000 points around march 2019?
My understanding at the time was spending $4000 dollars in 3 months made me eligible, but they now tell me it was $5000 dollars, and I cant find any old promotional material.
Thanks.
Hi Mike, sorry we don't keep all info on past offers. I do remember the 75k bonus points offer but not the spend requirement. I am sure they would be correct if it was $5,000. I think in good faith you should go back to the bank. Say that you thought it was 4k (which you did) or you would have make the 5k spend. Apologies for the mistake but say that you want the bonus points. See what they will do for you.
I had a ANZ rewards card for years and start to get very disappointed with the low number of points that I was accumulating and what I could buy with those points. I applied for a Qantas premium platinum after I checked this website I see that spending 3K per month gives me 104,000 rewards points in a year that allows me to buy a $500 Flighcenter voucher, while with the same spend (3K) will gibe me 136,000 qantas points per year and will allow me to buy a $700 ticket, let aside the other benefits that Qantas provides. The only downside is that we cannot use Google pay with the Qantas card. :-(
I am doing the right calculation? Thanks. Jeanine
Hi Jeanine, a big part about getting a new card is bonus points offers. The totals you are talking about are inc these bonuses. The Qantas Premier has huge bonus points available @ 100k. This is a great reason to sign up. Post this intro bonus. Then $3,000 spend will get you 3,000 Qantas points a month. For Qantas points I would definitely go the Qantas Premier over the ANZ Rewards Platinum.
Hi,
My husband and I are looking to get a joint credit card - we are wondering if the application would be joint (in both names) or would have to be in one name, and what bearing this would have on the additional cardholder fee? Thank you.
Kind regards,
Katherine
Hi Katherine, most credit cards now are just for single application. The ANZ Rewards Platinum credit card does not allow for joint application. Therefore I of you would need to apply. I suggest the person that has the highest chance of being approved. Then you can get an additional card holder for the 2nd person. The cost for the additional card holder is $65 p.a. Let me know if this card still suits or you would like some other options.
how much additional card for 4 of my family and how can I get the 65,000 frequency point
Hi Jenny, this card earns custom ANZ rewards points. If you are after Frequent Flyers then you should look at another card. e.g. https://www.creditcard.com.au/hsbc-platinum-qantas-credit-card/
how much for additional card I want for my family four of us.
Hi Jenny, this card is not great on the additional cardholders due to the charges. Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. That makes it an extra $65 a year for the 4 extra cards. This really pushes the annual fee much higher. Check out the St George Amplify Signature. It has some great features and no additional cardholder fee.
Which airlines or programs are you able to transfer the points to for travel?
Hi Peter, with ANZ Rewards you can transfer points out to Airpoints, Krisflyer and Asia Miles
Hi, I've got my platinum card already. How do I get the 65,000 rewards? Do i need to have a negative 2,500 in my account or is it an accummulative 2,500 whether I've paid some of it already? Thanks!
Hi Emmanuel, if you have applied for this card when this offer was valid. You need to spend at least $2,500 on the card, within 3 months, then you would be eligible for the bonus points. Points would be credited to your account typically within 8 weeks of you meeting the spend requirement. I have grabbed the terms from the ANZ landing page in regards to the bonus points. Offer available to new and approved applicants who apply for an ANZ Rewards Platinum credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases within three months of approval to receive the bonus Reward Points. Eligible Purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards– Rewards Program Terms and Conditions booklet, for example fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points.
The card 'reduces the excess when you hire a car from a major car rental company in Australia'. Does this mean that when we hire a car, we do not need to pay the additional 'excess cover'?
Hi Bronwyn, I was in Europe and I still had to pay for base insurance with the car hire company (Sixt). Then my travel insurance with my card would reduce the excess. I think mine was $3,000 (standard). Then using the eligible card it reduced to $500. Though I didn't need to claim.
I am currently using an ANZ platinum credit card. Would it benefit me if interested change it to the rewards card? I am not sure on the how to use a credit card to get points and rewards
Hi Darsan, your current ANZ platinum credit card earns no rewards points. Therefore it makes sense to switch to a card that actually earns points on your spend. As with the Platinum card this Rewards Platinum has high interest rates. Therefore these types of cards are best used by someone that pays off the balance in full each month. Whenever you make purchases on a rewards credit card, points are earned. These points are transferred to your account on a regular basis. You redeem the rewards, in this card, on the ANZ rewards website - https://anzrewards.com/
Do I get bonus points If I send money from Australia to india through transferwise with this credit card ?
Hi Ajith, that is a good question and I am sorry that I do not know the answer. I would speak to ANZ Rewards credit card customer service to confirm - 13 33 34. From my point of view, if it is a cash transaction, then there are never any points earned on this. There is not points earned on any card in Australia for a cash or cash equivalent transaction. So as I type more, I am thinking that its a no.
How do I claim my 50000 bonus points on my new credit card.I have already spent more than$2500 in less than 3 months.
Why aren't the points automatically added?
Hi Aldo, points will be automatically credited to your account though this is not straight away. Checking the terms: The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met.
I HAVE APPLICATION NO. xxx FOR ANZ REWARD PLATINUM CARD. I HAVE TO SEND ATO NOTICE TO EMAIL I HAVE SEEMS WRONG so please check and send me the correct email: [email protected]
Hi Jayantilal, I am not sure what email address you should send to for ANZ. I would give the ANZ credit card customer service team a call on 1800 033 844 to confirm.
Creditcard.com.au Visitor
28 January 2013this is really decent points for the annual fee - the points on Visa one of the best is it?
Recommends this cardCreditcard.com.au Visitor
28 January 2013Reasonable annual fee for what you get with this card – good points earning, you can get some good rewards, there’s no limit to how many points you earn, bonus signup points, free insurances etc. Recommended.
Recommends this card