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100,000 Spend $2,000 in the first 3 months from approval
ANZ Rewards Platinum Credit Card
ANZ Rewards Platinum Credit Card

ANZ Credit Cards

ANZ Rewards Platinum Credit Card

Updated 20 May 2024

With great earning power, the ANZ Rewards Platinum credit card is an excellent choice if you want to earn as many points as possible for a variety of rewards. For a limited time, it also offers 100,000 extra ANZ Reward Points and $50 back when you spend $2,000 on eligible purchases in the first 3 months from approval.

New Rewards card. Eligibility criteria, T&Cs and fees and charges apply (including Annual Fee, currently $149*).

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 $2,000 in the first 3 months from approval

Pros and cons

  • Receive 100,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $2,000 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 and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
  • Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance
  • Up to 9 additional card holders (extra cost apply)
  • Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

  • Each additional card holder costs $65 annually
  • High interest rates

Creditcard.com.au review

Editor Review

ANZ Rewards 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.

⚠ 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.

The ANZ Rewards Platinum Credit Card

Point calculations are accurate as of 16 May 2024 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official ANZ page for the updated calculations.

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, and 100,000 extra ANZ 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 extra ANZ Reward Points and $50 back. All you need to do is be approved, obviously, and spend $2,000 on eligible purchases in the first 3 months from approval. The 100,000 extra ANZ Reward Points will be awarded to your ANZ Rewards account and the $50 back will be credited to your credit card account within three months after meeting the minimum spend.

With this chunk of bonus points, you will have plenty of redemption options to choose from. You could redeem them for digital gift cards, cashback, or Frequent Flyer Points and Airmiles.

The ANZ Rewards program offers a wide range of gift cards, merchandise, travel, and more. In value, the 100,000 extra ANZ Reward Points are worth a $400 gift card from a range of popular brands, including Amazon, Woolworths, Myer, and more. When it comes to cashback redemption, the bonus points are worth $400 ANZ Cashback, which can be used to pay down the balance on your ANZ Rewards credit card or be credited to an eligible ANZ bank account.

If you are a frequent traveler, redeeming your bonus points for ANZ airline partner points might be a suitable option. To give you an idea, the 100,000 extra ANZ Reward Points can be redeemed as 33,000 Asia Miles & Singapore Airline KristFlyer Miles, $500 Airpoint Dollars, or 50,000 Velocity 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 extra Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met.

Now to the everyday. As this is a platinum rewards card, 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.

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 reasonable ongoing annual fee of $149 (includes $94 annual fee and $55 rewards program service 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 reasonable ongoing annual fee, you can benefit from its 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 complimentary insurance covers.

  • International Travel Insurance
  • Domestic Travel Insurance
  • Rental Vehicle Excess In Australia Insurance
  • Extended Warranty Insurance
  • 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, plus 100,000 extra ANZ Reward Points and $50 back.

User reviews

ANZ Rewards Platinum Credit Card ( based on 8 Creditcard.com.au user reviews )

51% rating based on 8 reviews

Rates
Fees
Rewards
Customer Service
Value
70%

Creditcard.com.au Visitor

28 January 2013

this is really decent points for the annual fee - the points on Visa one of the best is it?

Recommends this card
70%

Creditcard.com.au Visitor

28 January 2013

Reasonable 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

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 $149* p.a.

Additional cardholder fee Up to 9 - $65 p.a. each

Foreign transaction fee 3%

Minimum repayment 2% or $25, whichever is greater

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

Rewards and points

Rewards program

Rewards Program ANZ Rewards ANZ Rewards

Bonus points 100,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $2,000 in the first 3 months from approval

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 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

Domestic Travel Insurance

Compatible 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 complimentary insurance covers for travel and shopping, worldwide emergency card replacement, up to 9 additional cardholders, and access to Platinum Concierge and Visa Platinum privileges.

*For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee.

Key features

  • Receive 100,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $2,000 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 and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
  • Rental Vehicle Excess In Australia Insurance, Extended Warranty Insurance and Purchase Protection Insurance
  • Up to 9 additional card holders (extra cost)
  • Compatible 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 our credit card expert a question.

77 questions (showing the latest 10 Q&As)

Shannon

Shannon

16 September 2023
Is there any international fees to use over seas?
    Pauline - CreditCard.com.au

    Pauline

    19 September 2023
    Hi Shannon, when you use the ANZ Rewards Platinum card overseas (or with an overseas merchant in Australia), you’ll have to pay a 3% foreign transaction fee.
Mark

Mark

23 August 2023
What are eligible purchases,and what is considered none eligible
    Pauline - CreditCard.com.au

    Pauline

    30 August 2023
    Hi Mark, credit card providers like ANZ don't typically provide a specific list of eligible transactions. However, it's important to note that transactions such as interests, cash advances, balance transfers, chargebacks, and the like are generally not considered eligible.
Emily

Emily

18 August 2023
Does this cover rental car excess overseas.
    Pauline - CreditCard.com.au

    Pauline

    23 August 2023
    Hi Emily, I checked this for you and I do see that rental vehicle excess in Australia is included. For more information about the coverage, T&Cs and general exclusions, you can check their official complimentary insurance PDS.
Amilly

Amilly

25 July 2023
I need card to pay for my fertility expenses. Will this consider as eligible expenses please? Thanks
    Pauline - CreditCard.com.au

    Pauline

    26 July 2023
    Hi Amilly, this is always a tricky question. Whether or not this is considered an “eligible transaction” solely depends on how the merchant processes the transaction. Reach out to your practice to find out how the payments are processed, and what their merchant description is. You can then ask ANZ if this will be deemed eligible! Hope this has helped!
irfan

irfan

22 July 2023
how much time do you have to payback
    Pauline - CreditCard.com.au

    Pauline

    25 July 2023
    Hi Irfan, with the ANZ Rewards Platinum card, you’ll have 55 days of interest free time (depending on when you make the purchase in line with your statement period) to pay back your balance. This means that as long as you pay off your full outstanding balance within 55 days from the billing cycle's closing date, you won't incur any interest charges on your purchases. Hope this helps!
brent

brent

20 July 2023
are the reward points in qantas frequent flyer points or somehting other?
    Pauline - CreditCard.com.au

    Pauline

    21 July 2023
    Hi Brent, the ANZ Rewards Platinum card has their own ANZ Rewards program letting you earn ANZ Reward Points. If you're interested in earning Qantas Points, you can explore a range of Qantas Frequent Flyer cards here.
Amanda

Amanda

2 July 2023
Hi, I am wondering if the credit card fees can be waived with the points earned?
    Pauline - CreditCard.com.au

    Pauline

    3 July 2023
    Hi Amanda, good question! With the ANZ Rewards Platinum card, you can redeem the points earned for gift cards, airline partner points, and ANZ Cashback. With the ANZ Cashback option, a minimum of 1,250 Reward Points is equivalent to a $5 ANZ Cashback which you can then use to reduce your card balance. Hope this helps!
john newton

john newton

21 June 2023
I have an anz rewards platinum card but no mobile.I have unauthorised transactions on my latest statement
    Pauline - CreditCard.com.au

    Pauline

    22 June 2023
    Hi John, I’m very sorry to hear that. I strongly suggest reaching out to ANZ right away about it to have this fixed. You can reach them at 13 22 73.
John

John

27 March 2023
When does this offer expire? I can't see a date shown anywhere.
    Pauline - CreditCard.com.au

    Pauline

    28 March 2023
    Hi John, ANZ Rewards Platinum credit card’s bonus points offer does not have a specific end date however, it is still a limited time only offer which means ANZ may withdraw or change it at any time without notice. Sneaky, but totally allowed!
sam

sam

21 March 2023
Hi, car rego, insurance and servicing are also eligible purchases ??
    Pauline - CreditCard.com.au

    Pauline

    22 March 2023
    Hi Sam, there’s no real clear cut definition from ANZ on this. The ANZ T&C’s state that “paying a bill through BPAY and where the biller accepts a credit card for the payment is considered eligible. There are services like Sniip that allow you to earn points on every transaction (but they do charge a % fee). Most of your everyday transactions like the chemist, a restaurant bill, car’s petrol, etc will probably be considered eligible transactions. ANZ do mention that transactions like fees, charges, cash equivalent transactions, balance transfers, government charges and the like are not considered eligible.
John

John

15 March 2023
Had an Account with you for years when I reached eighty was told I could not keep travel insurance.Is there any account i can have that does
    Pauline - CreditCard.com.au

    Pauline

    16 March 2023
    Hi John, you’ve actually landed on Creditcard.com.au, Australia’s top credit card comparison site. Each credit card travel insurance underwriters have different policies around the maximum age, but the good news is there are some insurance providers like Cover-More and AllClear that specialise in travel insurance for individuals over 80 years of age. You may want to explore these options to find a travel insurance policy that suits your needs.Hope this helps!
Rachel

Rachel

1 March 2023
Hi Pauline, can you pls tell me if this cards points can be redeemed for flights?
    Pauline - CreditCard.com.au

    Pauline

    2 March 2023
    Hi Rachel, yes - the rewards points earned with the ANZ Rewards Platinum Credit Card certainly can be redeemed for frequent flyer points. You can convert them to points in these programs: Velocity Frequent Flyer, Asia Miles, Singapore Airlines KrisFlyer, and NZ Airpoints™. There’s a minimum amount of points you need to transfer at a time, and the transfer rates differ depending on what airline you choose. If you’d like to earn Qantas Points directly ANZ also has two credit cards that let you do this. Both the ANZ Frequent Flyer Black and the ANZ Frequent Flyer Platinum credit card earn direct. Hope this helps!
Ian Toogood

Ian Toogood

27 February 2023
Can the ANZ platinum card be linked to Qantas FF point rewards?
    Pauline - CreditCard.com.au

    Pauline

    28 February 2023
    Hi Ian, unfortunately, it's not possible to link the ANZ Rewards Platinum credit card with a Qantas Frequent Flyer account. ANZ Rewards Points can only be redeemed for frequent flyer points in these programs: Velocity Frequent Flyer, Asia Miles, Singapore Airlines KrisFlyer, and Airpoints™. However, ANZ provides two credit cards that earn Qantas Points: the ANZ Frequent Flyer Black and the ANZ Frequent Flyer Platinum credit card. Hope this helps!
Ange

Ange

23 February 2023
Am I eligible for the reward points if I've held any ANZ credit card type in the 12 months prior?
    Pauline - CreditCard.com.au

    Pauline

    24 February 2023
    Hi Ange, based on the information provided, it appears that you meet the eligibility criteria for the bonus points. Of course, there’s still other eligibility requirements and credit checks to go through as well. The only individuals who are not eligible for the bonus points are those who currently hold any of the ANZ Rewards card products, or who have closed and qualified for extra reward points or credit on any of these cards within the past 12 months. Hope this helps!
Kes

Kes

21 February 2023
Are council rate and landtax count as eligible purchases?
    Pauline - CreditCard.com.au

    Pauline

    22 February 2023
    Hi Kes, ANZ’s terms say that: ‘Government Charge(s)’ includes, but is not limited to, payment for goods, services, charges and/or levies made to a local, state, or federal government or statutory authorities or related agencies (and includes Australian and overseas governments).’ Basically anything paid to any kind of government body won’t earn Rewards points, but you can always give ANZ a call to confirm for sure.
Kes

Kes

19 February 2023
What are the approved purchases?
    Pauline - CreditCard.com.au

    Pauline

    20 February 2023
    Hello Kes, I think you're talking about eligible purchases. These are your regular transactions like purchasing groceries, paying for petrol, buying clothes or dining out that qualify as eligible purchases. However, specific transactions like those with interest charges, fees, cash advances, balance transfers, or related to gambling or gaming will not qualify as eligible purchases. Any transactions that are reversed or refunded won't be counted. Hope that helps!
DONG BIN IM

DONG BIN IM

6 February 2023
HI , I was wondering if ANZ Rewards platinum card covers hospital fee during overseas traveling? Thanks
    Pauline - CreditCard.com.au

    Pauline

    6 February 2023
    Hi Dong, it looks like hospital fees during overseas trip may be covered. You can check your official insurance terms PDF booklet on page 31 about this or you can call Allianz Global Assistance (ANZ’s insurance underwriter) at +61 7 3305 7465 for more information.

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