ANZ Platinum Credit Card

ANZ Platinum Credit Card


  • 0% p.a. on purchases up to 25 months. Reverts to 20.24% (standard purchase rate). Eligibility criteria, T&Cs, fees, and charges apply.
  • Up to 55 days interest-free on purchases when you pay your account in full each month.
  • No annual fee for the first year (save $87). Standard Annual Fee of $87 p.a. applies, thereafter.

Pros and cons


  • Take advantage of the 0% p.a. for the first 25 months on purchases.
  • $0 annual fee in the first year, $87 p.a. thereafter (terms and conditions apply).
  • Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance.


  • There is no rewards program or sign up bonus.
  • No balance transfer offer.

The basics

  • Additional cardholders. Share your account with up to 9 additional friends and family for free. The account holder will be responsible for managing the account, including repayments.
  • Digital wallets. You can use this card with all the major digital wallets including Apple Pay, Google Pay, and Samsung Pay. Wearables such as those from Fitbit and Garmin are also supported.
  • Gambling transactions. The ANZ Platinum Credit Card can be used for gambling purchases.

Rewards and benefits

  • Complimentary travel insurance. The ANZ Platinum Credit Card has complimentary international travel insurance. Cover will be active when the card has been used to purchase travel expenses related to your trip prior to departure. Eligibility criteria apply.
  • Concierge services. Comes with access to the 24 / 7 ANZ Concierge for help with restaurant or hotel bookings, gift ideas, travel recommendations, price comparison, and many other tasks.
  • Insurances. The ANZ Platinum Credit Card comes with extended warranty insurance, interstate flight inconvenience insurance, price protection insurance, purchase protection insurance, rental vehicle excess insurance inside Australia, and transport accident insurance.
  • Rewards points. This credit card does not have a rewards program, although you can link your card with Cashrewards Max to earn cashback with partner stores online and in-store.
  • Sign up bonus. There is currently no signup bonus offer for this card.

Rates and fees

  • Annual fee. This card has no annual fee in the first year, reverting to $87 p.a. thereafter. However, the annual fee will be waived if you use the card for $2,000 in eligible spend over 12 months.
  • Balance transfers. This card has no introductory balance transfer offer. If you want to consolidate your debts, consider a credit card with a balance transfer.
  • Cash advances. If you use this card for a cash advance, you will be charged interest at the rate of 21.24% p.a. with interest accruing immediately from the date of the transaction. ANZ will also apply a fee to process the cash advance.
  • Foreign exchange fee. Any transactions made in a foreign currency when shopping online or while overseas will attract a 3% fee.
  • Interest-free period. The ANZ Platinum Credit Card has up to 55 days interest-free on purchases when you have paid off your previous balance in full. Note that there is no interest-free period on cash advances.
  • Purchases. Use the card for large purchases and spread the cost over 25 months at 0% p.a. When the introductory period ends, the standard interest rate of 20.24% p.a. will apply.