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120,000 Spend $1,500 in first 3 months
ANZ Rewards Platinum Credit Card
ANZ Rewards Platinum Credit Card

ANZ Credit Cards

ANZ Rewards Platinum Credit Card

Updated 13 April 2021

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 120,000 bonus Reward Points when you spend $1,500 on eligible purchases in the first 3 months and a $0 annual fee for the first year.

New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $0 for first year, $95 thereafter).

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

120,000 pts

Spend $1,500 in first 3 months

Pros and cons

  • 120,000 bonus Reward Points to your new ANZ Rewards Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months from approval.
  • No annual fee first year. Low annual fee of $95 thereafter
  • 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.
  • 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

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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 a $0 first year annual fee and 120,000 bonus Reward Points 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 120,000 bonus Reward Points 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. The annual fee is also waived for the first year.

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 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 ongoing annual fee for a platinum rewards card plus, it currently offers no annual fee for the first year. 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 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 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, 120,000 bonus Reward Points and all for a nice no annual fee offer in the first year.

User reviews

ANZ Rewards Platinum Credit Card ( based on 6 Creditcard.com.au user reviews )

72% rating based on 6 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 20.24% p.a.

Cash advance rate 20.24% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $6,000

Maximum credit limit N/A

Fees & repayments

Annual fee $95 p.a.

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

Foreign transaction fee 3%

Minimum repayment 2% or $25

Annual fee the first year $0

Cash advance fee Consumer: 2% or $4 whichever is greater (2% or waived for RTA); 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 120,000 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

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 worldwide emergency card replacement, up to 9 additional cardholders, access to Platinum Concierge and Visa Platinum privileges.

Key features

  • 120,000 bonus Reward Points to your new ANZ Rewards Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months from approval.
  • No annual fee first year, $95 thereafter
  • 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
  • Compatible 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.
  • 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

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.

45 questions (showing the latest 10 Q&As)

Matthew Simes

Matthew Simes

29 July 2021
Do I get 120,000 points every year?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 July 2021
    Hi Matthew, thanks for your question! The 120,000 points is an incentive to get you to sign up with ANZ. The bonus points will be given to a if you meet the minimum spend requirement in the first 3 months from when you’re approved. You’ll also earn 1.5 Reward Points for every $1 spent on eligible purchases up to $2,000, and 0.5 Reward Points per $1 spent above the $2,000 cap per statement period. Let us know if you get this card by leaving a review once you’ve used it!
kamla

kamla

16 June 2021
Hi, I am after business credit card which offer virgin velocity points. Is there a recommended one I will need at least 8 to 9 cards upto 5k limit on each prefer with annual fee is reasonable or some offers going on Thankyou
v

v

24 May 2021
Can you cancel this credit card anytime?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 May 2021
    Hi, thanks for your question! For information on cancelling cards, you should deal with the bank directly. Thanks!
Cecilia

Cecilia

13 April 2021
Can the Rewards Points for ANZ Rewards Platinum Card be converted into Qantas points, if so is it 1 to 1 conversion
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 April 2021
    Hi Cecilia, no, ANZ Reward Points do not convert to Qantas. They normally convert to Velocity (at a rate of 2:1) but redemption was suspended at the start of Covid and has not resumed. They also convert to Airpoints, KrisFlyer Miles and Asia Miles. I hope that helps.
Jana

Jana

12 April 2021
Is there a minimum income required for this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 April 2021
    Hi Jana, ANZ does not list a minimum income requirement for this card. Your income and assets will be weighed against your expenses & liabilities and that will help determine your eligibility. You will need to be able to service at least the minimum credit limit of $6,000. I hope that helps.

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