70% 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
Pros
50,000 bonus Reward Points and $50 back 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 Travel Insurance
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.
Cons
Each additional card holder costs $65 annually
High interest rates
100% of customers who have rated this card would recommend it
70% 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
| Interest Rates | |
| Purchase rate | 20.24% p.a. |
| Cash advance rate | 20.24% p.a. |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| 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 |
| Cash advance fee | 2% |
| Foreign transaction fee | 3% |
| Minimum repayment | 2% |
| Late payment fee | $20 |
| Credit card type | Visa |
| Rewards program | |
| Rewards program |  ANZ Rewards |
| Bonus points | 50,000 ANZ points |
| Annual points cap | uncapped |
| Bonus points spend criteria | Spend $2,000 in first 3 months |
| Earning points with this card | |
| ANZ points | 1.5 points per $1 spent |
| Overseas earn rate | same as standard earn rate |
| Points cap per month | Capped at $2000, then 0.5 pts per $1 spent |
| Complimentary insurance | |
| International travel insurance | yes - up to 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 | |
| $50 cash back offer | |
| Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay. |
ANZ Rewards Platinum Credit Card
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.
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 50,000 bonus Reward Points and $50 cash back offer.
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 50,000 bonus Reward Points and $50 back on your new ANZ Rewards Platinum. All you need to do is be approved, obviously, and spend $2,000 on eligible purchases in the first 3 months.
Simply spend $2,000 on eligible purchases, within that initial three month period, and your account will be credited with 50,000 bonus Reward Points plus $50 back. While you should check the terms and conditions, most purchases count as ‘eligible’ apart from fees, cash withdrawals, and gambling and gaming transactions.
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. And that 50,000 Reward Points bonus? With a few more points in your pocket, you could redeem them all for $300 in gift cards.
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
- 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, 50,000 bonus Reward Points and all for a nice low annual fee.
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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
- 50,000 bonus Reward Points and $50 back to your new ANZ Rewards Platinum 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
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
- Complimentary International Travel Insurance
- 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)
- Be over 18 years old
- Good credit and 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
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