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0% p.a. for 25 months on purchasesdisclaimer and $0 annual fee in first year.disclaimer

Reverts to standard purchases interest rate, currently  after 25 months.disclaimer In each subsequent year, standard annual fee (currently $87) applies.disclaimer Eligibility criteria, T&Cs, fees and charges apply.

Apply now View rates & fees

It only takes around 5 minutes to apply.

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

disclaimer

Interest rate on cash advances

disclaimer

Interest rate on standard balance transfers

disclaimer

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
New Card. Reverts to standard purchases interest rate (currently ) after 25 months.disclaimer

0% p.a. (for the first 25 months on purchases).disclaimer

  

Minimum credit limit

$6,000

Additional cardholders
(at no additional cost)

up to 9

Features and trade-offs

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. 

Features and trade-offs

Features

  • A zero annual fee in the first yeardisclaimer (but a higher annual fee after that compared to the ANZ First card)
  • Complimentary insurances including International Travel Insurancedisclaimer 
  • Up to 55 days interest free on purchasesdisclaimer 

Trade-offs

  • A higher interest rate on purchases compared to the ANZ Low Rate card
  • Overseas transaction fees apply
  • No ANZ Rewards or Qantas Points benefits

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 insurancedisclaimer for your shopping

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

Refer to the policy information booklet for terms, conditions, exclusions, limits and eligibility criteria that applydisclaimer, including using your eligible card to make the purchase.

Complimentary insurancedisclaimer when you travel

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

Refer to the policy information booklet for terms, conditions, exclusions, limits and eligibility criteria that applydisclaimer, including using your eligible card to make a travel purchase.

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 (PDF 81kB).

  

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.

  

Make managing multiple debts easier

Transfer your balances from non-ANZ credit and store cards to your existing ANZ credit card, which could make them easier to manage.

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 .

 

Enjoy max cashback offers 

Join Cashrewards Max and link your ANZ Platinum credit card to access higher cashback offers with a range of leading retailers.disclaimer 

Eligibility

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

Ways to apply

Apply online

Apply online now

It only takes about 5 minutes.

You’ll need: 

  • Details of your income, expenses, liabilities and assets

  • Proof of identity.

Credit card quick start

Get started now

Start your application online.

We’ll call you back within 2 business days to help you complete it. 

Looking for more choices?

Be rewarded for your everyday purchasesdisclaimer and access a flexible Rewards program with complimentary insurancesdisclaimer and Personal Concierge

OFFER

Earn 50,000 extra Reward Points and $0 annual fee when you spend $1,500 on eligible purchases in the first 3 months from approval.disclaimer

New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $95 after the first year). 

   

Choose the card for you

Compare each card’s features, considerations and fees – or, use our product selector tool to help you choose.

Compare credit cards Help me choose

Want to check your application status?

Email us at anzcards@anz.com to request an update. Please include your credit card application reference number in the subject line of the email.

Email ANZ Credit Cards Team

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 Labels 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 purchases interest rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. A promotional annual percentage interest rate of 0% p.a. will apply to the purchases balance on your ANZ Platinum credit card account for a period of 25 months from the date of your Letter of Offer. At the end of this offer period, new purchases and any unpaid purchases balance will become subject to the standard purchases annual percentage interest rate applicable to your credit card account.  For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB) and ANZ Personal Banking General Fees and Charges (PDF 143kB).  Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. If you transfer to a different credit card account this offer will cease to apply. This offer applies only once per eligible customer.  ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

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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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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.

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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 a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF 696kB) 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. 

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Refer to the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance booklet (PDF 696kB) for further information. Eligibility criteria may include making a purchase with your card.

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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.

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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 (PDF 428kB). Existing customers should review their credit contract for information regarding their account.

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

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

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Cashrewards Max customers who pay with their linked ANZ card may have access to higher cashback rates on selected offers compared to the standard Cashrewards program. Cashrewards Max is offered by Cashrewards and not ANZ. The Cashrewards account is not an ANZ account. Eligibility criteria, cashback redemption & withdrawal conditions and T&Cs apply.

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ANZ Reward Points are earned and redeemed in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 123kB). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 123kB).

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Offer available to new and approved applicants who apply for an ANZ Rewards Platinum credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black credit card, or have closed, or qualified for extra Reward Points or a credit back on, any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $1,500 worth of eligible purchases within 3 months of approval to receive the 50,000 extra Rewards Points. Eligible purchases means purchases which are eligible to earn ANZ Rewards Points. Certain transactions and other items are not eligible to earn ANZ Rewards Points.  For details refer to the ANZ Rewards - Rewards Program Terms and Conditions (PDF 123kB). The extra 50,000 Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum credit card account before the extra Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the extra 50,000 Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. 

ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria. The annual fee will be waived in the first year. After the first year, an annual fee of $95 applies. This fee is current as at  and is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).

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