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ANZ Platinum Credit Card
ANZ Platinum Credit Card

ANZ Credit Cards

ANZ Platinum Credit Card

Updated 31 July 2022

0% p.a. for 25 months on purchases and $0 Annual Fee in the first year with an ANZ Platinum credit card. Add up to 9 additional cardholders at no additional cost. Comes with complimentary insurance covers for travel and shopping as well as ANZ Falcon security monitoring for fraudulent transactions 24/7. Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Reverts to standard purchase rate, currently 20.24% p.a. In each subsequent year, standard annual fee (currently $87) applies. Eligibility criteria, T&Cs, fees, and charges apply.

Purchase Rate (p.a)

0% p.a.

for 25 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:

My annual fee

My interest rate

Pros and cons

  • No annual fee in the first year. $87 p.a. thereafter
  • 0% p.a. for 25 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
  • Access to exclusive cashback offers with Cashrewards Max
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
  • Rental Vehicle Excess In Australia Insurance, Purchase Protection Insurance and Extended Warranty 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

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.

The ANZ Platinum Credit Card

With the ANZ Platinum Credit Card, you could enjoy a range of platinum perks – plus a very nice 25-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 25 months on purchases. Make sure you clear your balance and pay it off before the 25 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 25 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 plus an enticing, new feature - Cashrewards Max. Cardholders can now also access cashback offers when they shop with their eligible ANZ card at participating retailers. To start enjoying Cashrewards Max cashback offers, simply sign up online for free and link your eligible ANZ card.

Other useful extras include International Travel Insurance for up to a period of 6 consecutive months and Domestic Travel Insurance which are both available for cardholders as well as their spouses and/or dependant(s), eligibility criteria apply. Plus, get covered when you hire a car in Australia with the Rental Vehicle Excess In Australia Insurance. In terms of shopping covers, you can benefit from Purchase Protection Insurance and Extended Warranty Insurance. 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 25 months.

User reviews

ANZ Platinum Credit Card ( based on 33 Creditcard.com.au user reviews )

71% rating based on 33 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 25 months

Cash advance rate 21.24% 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 $87 p.a.

Additional cardholder fee Up to 9 at no extra cost

Foreign transaction fee 3%

Minimum repayment 2% or $25, whichever is greater

Annual fee the first year $0

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

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

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 and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply) plus Rental Vehicle Excess In Australia Insurance. You will also get protected when shopping through Purchase Protection Insurance and Extended Warranty Insurance. Have access to a 24/7 Personal Concierge service, which can help with everything from booking flights to giving recommendations for your next holiday. 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 25 months on purchases and $0 Annual Fee in First Year. Reverts to standard purchase rate, currently 20.24% p.a. In each subsequent year, standard Annual 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 Fee (currently $87) applies
  • 0% p.a. for 25 months on purchases. Reverts to standard purchase rate, currently 20.24% p.a.
  • Access to exclusive cashback offers with Cashrewards Max
  • Platinum Concierge
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
  • Rental Vehicle Excess In Australia Insurance, Purchase Protection Insurance and Extended Warranty Insurance
  • 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

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 a our credit card expert a question.

236 questions (showing the latest 10 Q&As)

Abby

Abby

30 July 2022
Hello, could you please clarify lets say if I have a current credit card of $20K with my current bank and have paid off the full balance and want to apply for a new credit card with the same bank but now would like to have a credit limit of 50k. Would a bank generally grant this? or would they only grant me $30K as i already have a card with a balance of $20K despite this being fully paid off?
    Pauline - CreditCard.com.au

    Pauline

    1 August 2022
    Hi there Abby, what a super interesting question. So to break it down, when banks look at your credit profile, they generally don’t usually look at the utilisation. So if you have a $20k limit, the bank will assume that you’re using all of that $20k. This is even if you’re carrying a $0 balance. Hope this has helped with your question!
Darwin

Darwin

22 July 2022
Hi, can I use this CC to pay for a service and qualify for the 25 months 0% purchase rate? I have to pay a company to refurbish my flooring. Let's assume the company accepts CC payments. Is this transaction considered as cash advance?
    Pauline - CreditCard.com.au

    Pauline

    1 August 2022
    Hi Darwin, so there’s no qualifying needed for the 25 months 0% purchase rate - if you’re a new cardholder, you’ll get it with the card, ready to go. Spending $20k on your card each year waives the annual fee. If you’re paying the company using a regular tap or swipe credit card/EFTPOS terminal, it won’t be considered a cash advance. (You’d have to withdraw it from an ATM for it to be considered a cash advance). Also remember you’ll pay a Visa transaction fee, so make sure a credit card is the best way for you to pay the bill. Good luck on the new floors!
Graeme Armstrong

Graeme Armstrong

4 July 2022
Can i print off a copy to verify i have this insurance for overseas travel?
    Pauline - CreditCard.com.au

    Pauline

    6 July 2022
    Hi Graeme, that’s a great question! There’s no need to do that as you will actually have to get a letter of eligibility online at www.checkyourcover.com.au/ANZ and this is enough proof of your insurance coverage. It’s also a good idea to write down the number of Allianz Insurance, the underwriter of ANZ travel insurance, for emergencies.
Jess

Jess

12 June 2022
Hello, I'm interested in your ANZ Platinum credit card, but I'm confused about the fees. I've only ever had afterpay and zip not a credit card. It says 0% p.a which I assume is no interest for 25 months. $0 in fees. It also says interest free period only 55 days - this is where I'm confused. Is it interest free for 25 months, or only 55 days? If I make a purchase of $1000 do I need to pay that off in 55 days or 25 months?
    Pauline - CreditCard.com.au

    Pauline

    15 June 2022
    Hi Jess, good question! Just to clarify, you’ve come through to CreditCard.com.au and not ANZ. However, we can let you know that the 55 interest free days is actually different from the zero percent promotional offer on purchases for 25 months. The 55 interest free days starts when the promo ends. To enjoy this feature though, you need to make sure that you pay at least the minimum amount indicated on your statement on or before the due date each month. Please note though that both the interest free days and no interest promo is applicable to eligible purchases. These are the daily transactions you make like paying for your groceries, doctor’s fee, restaurant bill, and many other things. Hope this helped!
Ruby Mehla

Ruby Mehla

7 June 2022
Is there international transactions fee ? if used overseas. Does it void the 25 month 0 % purchase period ?
    Pauline - CreditCard.com.au

    Pauline

    8 June 2022
    Hi Ruby, when you use the ANZ Platinum card overseas, you will be charged 3% foreign transaction fee. But it does not mean that you will not qualify for the 25 months 0% p.a. for purchases. As long as you make at least the minimum amount on or before the due date indicated on your statement, you will still qualify. This is provided if you are a new and approved ANZ Platinum cardholder.
John

John

31 May 2022
Does this card offers complimentary international travel insurance to people over 80years of age
Sonia

Sonia

30 May 2022
I have a solicitor bill of $12,000 and want to pay it in full using a $0 interest credit card. Do you recommend this card for this situation?
    Pauline - CreditCard.com.au

    Pauline

    31 May 2022
    Hi Sonia, we don’t recommend one card over the other, as each card's suitability depends on the user. If your solicitor accepts credit card payments you could use this card, but keep in mind that you’ll have to pay interest on the full amount and make the minimum payments due. If you want to avoid interest you could compare a range of 0% purchase rate credit cards.
Kay

Kay

24 May 2022
Can I use this card for cash advances and still get the 0% for 25months promotion?
    Pauline - CreditCard.com.au

    Pauline

    25 May 2022
    Hi Kay, the 0% p.a offer is only applicable to purchases. If you use this card for cash advances, you will be charged 3% (if within Australia), or 3% of the amount or $4, whichever is greater (if overseas) of the amount. You’ll cop a 21.24% p.a. Interest rate on cash advances from the moment the transaction takes place.
JINBAO LYU

JINBAO LYU

26 April 2022
HOW CAN I APPLY FOR IT
    Pauline - CreditCard.com.au

    Pauline

    27 April 2022
    Hi Jinbao, if you are confident you’ve met all eligibility criteria, you can click the green Go to offer button at the top of this page. Please check the card’s terms, conditions and TMD before proceeding with your application.
Roy Schloss

Roy Schloss

26 April 2022
Does insurance cover covid related issues
    Pauline - CreditCard.com.au

    Pauline

    27 April 2022
    Hi Roy, good question! Due to the ever changing Covid-19 situation we live in, different insurance underwriters have different exclusions and definitions of pandemics.. I suggest checking ANZ’s official insurance terms for information or it’s best to reach out to ANZ or Allianz directly for your travel requirements.
Sue Clark

Sue Clark

13 April 2022
Does the travel insurance with the card cover domestic travel, we have a cruise booked? Also does it cover Covid 19 and if so what exactly does it cover in relation to Covid 19?
    Pauline - CreditCard.com.au

    Pauline

    14 April 2022
    Hi Sue, due to the ever changing nature of the ongoing pandemic you should contact Allianz Global Assistance on 1300 135 271 to discuss your needs. Have a great trip!
june

june

12 April 2022
I want to buy a car worth $30,000, which credit card to recommend the best?
    Pauline - CreditCard.com.au

    Pauline

    13 April 2022
    Hi June thanks for your question. There’s actually a few things to consider. The first thing is your credit limit will need to be up to $30,000 and the other is whether the car dealership will process your payment via credit card. Also keep in mind, most payments incur a % fee to make a credit card payment, so make sure you factor this into your calculations. One final thought is that a car is a depreciating asset and credit card interest will build up over time and will add to the cost of the car. Whilst we can’t tell you what card is best, we hope this information has helped you out!
Monica

Monica

11 April 2022
Can I use this card to make a $19,000 purchase of a car?
    Pauline - CreditCard.com.au

    Pauline

    11 April 2022
    Hi Monica. Interesting question, there’s a few things to consider here. The first is your credit limit will need to be up to $19,000 and the other is whether the car dealership will process your payment via credit card. Most merchants charge a % fee to use credit cards, so make sure you factor this into your considerations too. Another consideration is that the revert rate for this card is 20.24% p.a. so you’ll need to factor this into your repayment plan also. One final thought is that a car is a depreciating asset and credit card interest will build up over time and will add to the cost of the car. Hope this has helped you out!
Mary Bartlett

Mary Bartlett

17 March 2022
I have a Visa card but have not used it for over a year I want to buy a piece of furniture but cannot remember the number how do I go about using my card again
    Pauline - CreditCard.com.au

    Pauline

    17 March 2022
    Hi Mary, you’ve reached Creditcard.com.au, Australia’s leading credit card comparison and information site. If you have an ANZ card, I suggest reaching out to them directly at 13 13 14.
sotiria

sotiria

4 March 2022
Hi There , i was wondering if you where able to help me please. I have a small loan i would like to pay out of $9500 i was wondering if i applied for the Anz Platinum Credit card and pay out the loan and then i would pay off $95 dollars a week back on i will be able to pay it off within the 25 months. I was wondering if this Possible, thank you it would be a great help for me . much appreciated Kind Regards Sotiria
    Pauline - CreditCard.com.au

    Pauline

    7 March 2022
    Hi Sotiria, unfortunately the ANZ Platinum doesn’t allow balance transfers from personal loans. The only provider who handles this type of request is Citi, and any providers Citi provide credit services to. These are Coles and Qantas. Let us know how you go!
Billy

Billy

15 February 2022
What would the monthly repayments be for the first 25 months on the ANZ Platinum credit card if I purchased a 30,000 car with the card?
    Pauline - CreditCard.com.au

    Pauline

    16 February 2022
    Hi Billy, we’re not in a position to provide any personal advice, but the Government’s Moneysmart has an interest-free calculator on their website. You can put in your amounts and pick the repayment period and the site will show you estimated repayments.
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