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0% p.a. for 17 months on purchases

and $0 annual fee in First Year.disclaimer

Reverts to standard purchase rate, currently disclaimerIn each subsequent year, standard annual fee (currently $87) applies.disclaimerEligibility criteria, T&Cs, fees and charges apply.

Apply now View rates & fees

It only takes around 5 minutes to apply.

ANZ Platinum  

A simple everyday credit card with $0 annual fee in the first yeardisclaimer and complimentary insurancesdisclaimer

$0 annual fee for the first yeardisclaimer

A range of complimentary insurancesdisclaimer

(terms, conditions, limits, exclusions and eligibility criteria applydisclaimer)

Ongoing annual fee waiver if you make $20,000 in eligible purchases on the card in 12 monthsdisclaimer

Rates and fees

The important numbersdisclaimer

Rates table 1

Interest rate on purchases


Interest rate on cash advances


Interest rate on standard balance transfers


Interest free days on purchases

Up to 55 daysdisclaimer

Rates Table 2

Annual fee

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

Promotional interest rate on purchases

0% p.a. (for 17 months on purchases)disclaimer


Minimum credit limit


Additional cardholders
(at no additional cost)

up to 9

Features and benefits

Your value packed ANZ Platinum card

Would you like Platinum privileges with one of our lowest annual fees? We’ll waive the annual fee in your first year, and we’ll waive it every year after that if you make $20,000 in eligible transactions on the card in the twelve months prior to your annual fee datedisclaimer. Plus, you could be eligible for a range of complimentary insurancesdisclaimer for more protection when you shop and travel. 


Confidence when you shop and travel

Shop with extra security and confidence

  • ANZ Falcon™ provides round-the-clock transaction monitoring
  • You won't be liable for fraudulent transactions on your ANZ credit card with ANZ Fraud Money Back Guaranteedisclaimer
  • Worldwide emergency credit card replacement

Complimentary insurance for your shopping

You could be eligible for these complimentary insurancesdisclaimer when you make eligible purchases on your card:

(Terms, conditions, limits, exclusions and eligibility criteria apply. Refer to the Premium Cards - Insurances, Insurance Policy Information booklet (PDF 276kB) for further information.)

Complimentary insurance when you travel

You could be eligible for these complimentary insurancesdisclaimer:

(Terms, conditions, limits, exclusions and eligibility criteria apply. Refer to the Premium Cards - Insurances, Insurance Policy Information booklet (PDF 276kB) for further information.)

More reasons to choose ANZ Platinum

Easy ways to bank

Make the everyday a little bit easier and do your banking on the go with the ANZ App. Plus, use your compatible smartphone or wearable device to tap and pay with an eligible ANZ carddisclaimer so you can continue to get the same great benefits and security. You can also use our Smart ATMs, ANZ Internet Banking and ANZ Phone Banking, or set up direct debit with CardPay Direct.


Just tap and go 

Securely pay for purchases under $100 with ANZ Visa payWave ™ – simply tap and go with your card at participating merchants – no need to swipe, dip or enter a PIN.


A 24/7 Personal Concierge

There’s a complimentary Personal Concierge 24 hours a day, to help you with restaurant or hotel bookings, gift ideas, travel recommendations and much more. Call the Personal Concierge on 1300 580 765  in Australia or, if you are overseas +61 2 8987 1677.



Can I apply?

To apply for an ANZ Platinum credit card, you need to

  • Be 18 years of age or over, and
  • Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa
  • Have a good credit rating. Find out more about Credit Reporting

Details to have handy

  • Australian driver’s licence number (if you have one)
  • Details of your income, expenses, assets and liabilities
  • Two recent pay slips for income verification
  • If you’re self-employed, you’ll need your accountant’s phone number
  • Details of your living expenses, such as regular bills
  • ANZ account number or Customer Registration Number (if you have one)
  • Your email address

How to apply

Like the sound of this card?

Apply now

It only takes around 5 minutes to apply.

Other ways to apply:  Visit any ANZ Branch or Call 13 33 33 Mon to Fri, 8am to 8pm.

You don’t need to be an ANZ customer to apply for an ANZ credit card.
If approved, you may expect to receive your card within five business days.

Not sure which credit card is right for you?

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Offer only available to new and approved credit card applicants who apply for an ANZ Platinum credit card account with the purchase rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. If you transfer to a different credit card account during the offer period, the standard purchases annual percentage rate applicable on the new credit card account will apply to any unpaid purchases balance. The lower interest rate of 0% p.a. will apply to purchases on your ANZ Platinum credit card account for a period of 17 months from the date of account approval. Any purchases that remain unpaid at the end of this period will become subject to the standard purchases annual percentage rate applicable to your credit card account. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card.


Standard annual percentage interest rate for ANZ Platinum is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.


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. 


Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Premium Cards – Insurances, Insurance Policy Information booklet which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. 


Refer to the Premium Cards - Insurances, Insurance Policy Information booklet for further information. Eligibility criteria may include making a purchase with your card.


For details about all applicable fees & charges please refer to your Letter of Offer, ANZ Credit Cards Conditions of Use, ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.


Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement of account in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use. Existing customers should review their credit contract for information regarding their account.


Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.


Mobile payments available on compatible devices and eligible ANZ cards. View the full list at Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung PayFitbit Pay and Garmin Pay.