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A simple everyday credit card with $0 annual fee in the first yeardisclaimer plus Overseas Travel and Medical Insurancedisclaimer.

OFFER

0% p.a. for the first 18 months on balance transfers (3% Balance Transfer Fee applies)disclaimer The standard balance transfer rate will change on 17 June 2016 for new balance transfers.

The important numbersdisclaimer

Annual account fee

$0 first year, $87 after that (or $0 if you make $20,000 of eligible purchases in 12 months)disclaimer


Interest on purchases

disclaimer

Interest on cash advances

disclaimer

Interest on standard balance transfers

Effective 17 June 2016 this rate will change.

  

disclaimer

Interest on promotional balance transfers

The standard balance transfer rate will change on 17 June 2016 for new balance transfers. See anz.com on 17 June 2016 for new rates.

   

0% p.a. (first 18 months)disclaimer
(3% Balance Transfer Fee)

PLUS

Complimentary insurance for your travel and purchases

 (eligibility criteria apply, including using your eligible card to make the purchase)

For overseas travel:


For travel within Australia:


For your purchases:

PLUS

24/7 Personal Concierge

A Personal Concierge, accessible 24 hours a daydisclaimer

A simple everyday credit card with a low ongoing annual fee.

OFFER

0% p.a. for the first 18 months on balance transfers (3% Balance Transfer Fee applies)disclaimer The standard balance transfer rate will change on 17 June 2016 for new balance transfers.

The important numbersdisclaimer

Annual account fee

$30


 

Interest on purchases

disclaimer

Interest on cash advances

disclaimer

Interest on standard balance transfers

Effective 17 June 2016 this rate will change.

  

disclaimer

Interest on promotional balance transfers

The standard balance transfer rate will change on 17 June 2016 for new balance transfers. See anz.com on 17 June 2016 for new rates.

   

0% p.a. (first 18 months)disclaimer
(3% Balance Transfer Fee)

PLUS

Complimentary insurance for your shopping

(eligibility criteria apply, including using your eligible card to make the purchase)

 

 

 

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

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The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the first year. In each subsequent year, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. Eligible Purchases must be made in the year prior to your next Fee Date. Your Fee Date is the date that your account is assessed for charging an Annual Fee. If your account has not previously been charged an Annual Fee then for the purpose of determining your eligibility for the waiver, your Fee Date is the first date that your account is assessed for charging an Annual Fee. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of Eligible Purchases in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change. 

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The Overseas Travel and Medical Insurance master policy, the Transport Accident Cover master policy and Rental Excess Cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 AFSL 239545 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - Insurance booklet (PDF 366kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

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Offer only available to new and approved credit card applicants who apply for an ANZ First or ANZ Platinum credit card account with the balance transfer.  This is a limited time only offer which may be withdrawn or changed at any time without notice. Offer available in respect of balances transferred from non-ANZ credit and store card accounts only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. The offer must be requested at the time of applying for the credit card. The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 3% of the balance transferred and will be applied at the time the balance is transferred and form part of the Promotional Plan balance. The Promotional Plan annual percentage interest rate expires 18 months after the date the credit card application is approved, and after the first 18 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is  for ANZ First and  for ANZ Platinum as at  and is subject to change. Effective Friday, 17 June 2016 the standard balance transfer annual percentage rate will change.Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF 468kB).

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Standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change. Effective Friday, 17 June 2016 the standard balance transfer annual percentage  rate will change.

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Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545 to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the Premium Cards - insurances booklet (PDF 366kB).

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Terms and conditions apply. Please refer to the ANZ Emergency Travel Service & Personal Concierge Terms and Conditions (PDF 92kB) for further information.

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Standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at and is subject to change. Effective Friday, 17 June 2016 the standard balance transfer annual percentage  rate will change.

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Extended Warranty Insurance and 90-day Purchase Security Insurance are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545 to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the  ANZ Credit Cards Insurance Features Brochure (108kB).

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Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB) and ANZ Frequent Flyer Black Reward Terms and Conditions (PDF 1.67MB). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB) and ANZ Frequent Flyer Black Reward Terms and Conditions (PDF 1.67MB)  for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points. You will not earn Qantas Points in respect of purchases which exceed any advised spend cap. Eligible purchases for each statement period for ANZ Frequent Flyer are capped at $3,000 of eligible purchases across all Visa cards on the account and $3,000 of eligible purchases across all American Express cards on the account, and for ANZ Frequent Flyer Platinum are capped at $6,000 of eligible purchases across all Visa cards on the account and $6,000 of eligible purchases across all American Express cards on the account. No spend cap applies to ANZ Frequent Flyer Black. Bonus Qantas Points may still be earned once eligible purchases made with your card exceed any applicable spend cap. The Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program which are available at qantas.com/terms. Earn rates and spend caps are subject to change. ANZ Frequent Flyer Platinum accounts that were previously named 'ANZ Frequent Flyer Gold' are subject to different earn rates and spend caps. Existing customers may be subject to a different earn rate or spend cap on their account. Existing customers should call 13 22 73 for information regarding their ANZ account.

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 76kB) and ANZ Rewards Black - Rewards Program terms and conditions booklet (PDF 1.8MB). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 76kB) and ANZ Rewards Black - Rewards Program terms and conditions booklet (PDF 1.8MB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate on both their ANZ Rewards American Express card and/or ANZ Rewards Visa card. Existing customers should call 13 22 73 for information regarding the Reward Points earn rate that applies to their account.

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