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A credit card with a low ongoing interest rate for your everyday purchases plus Overseas Travel and Medical Insurance

A low ongoing interest rate for your everyday purchasesdisclaimer

A range of complimentary insurances

(eligibility criteria apply)

ANZ Falcon™ gives you extra security and confidence when you shop

Rates and fees

The important numbersdisclaimer

Interest rate on purchases


Interest rate on cash advances


Interest rate on standard balance transfers


Interest free days on purchases

Up to 55 daysdisclaimer

Annual account fee


Interest rate on promotional balance transfers

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

Minimum credit limit


Additional cardholders

Up to 9

Features and benefits

Low purchase interest rate, high on benefits

If you find yourself paying more than your fair share in interest charges, ANZ Low Rate Platinum has a lower standard interest rate on purchasesdisclaimer than many other ANZ credit cards. You could also be eligible for a range of complimentary insurances for extra protection when you shop and travel. 


Peace of mind when you shop and travel

Shop with extra security and confidence

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

Complimentary insurance for your shopping

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

  • Extended Warranty Insurancedisclaimer - double the manufacturer's expressed Australian warranty on major personal and household purchases by up to an additional 12 months
  • Best Price Guarantee Schemedisclaimer -  if you purchase personal goods in Australia and then find the same product advertised later in a printed catalogue at a cheaper price within 21 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is more than $75 and less than $300
  • 90-day Purchase Security Insurancedisclaimer - insurance against loss, theft or accidental damage on most personal items purchased for 3 months from the date of purchase. 

Complimentary insurance when you travel

You could be eligible for these complimentary insurances:

  • Overseas Travel and Medical Insurancedisclaimer provided by QBE Insurance. You could save up to $720 on Overseas Travel and Medical Insurance (eligibility criteria apply)disclaimer
  • Interstate Flight Inconvenience Insurancedisclaimer – peace of mind when you travel interstate in Australia on holiday for up to 14 days
  • Rental Excess Coverdisclaimer - reduces the excess when you hire a car from a major car rental company in Australia, at no extra cost.

More reasons to choose ANZ Low Rate Platinum 

Priceless Cities 

Discover a unique collection of experiences curated exclusively for MasterCard cardholders.

Easy ways to bank

ANZ goMoney® gives you a great way to bank on your iPhone or Android.disclaimer You can also use our Smart ATMs, ANZ Internet Banking or ANZ Phone Banking, or set up direct debit with CardPay Direct (PDF 64kB). And you can securely tap and go for purchases under $100 with ANZ MasterCard® PayPass™ – no need to swipe, dip or enter a PIN at participating merchants.

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.disclaimer Call the Personal Concierge on 1300 580 765  in Australia or, if you are overseas +61 2 8987 1677.

Protection for your ANZ credit card

ANZ Credit Card Insurance could help you stay on top of your credit card minimum monthly repayments if you experience an unexpected redundancy, illness or injury.disclaimer See ANZ Credit Card Insurance for details including what is covered and the cost. Eligibility criteria apply.



Can I apply?

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

  • Be 18 years of age or over 
  • Have a good credit rating 
  • Be a permanent Australian resident, earning a minimum annual income of $35,000 
  • Be a non-Australian permanent resident with more than 9 months remaining on your Visa, earning a minimum annual income of $35,000 or have $50,000 in Australian Authorised Deposit-taking Institution (ADI) accounts 

Details to have handy

  • Australian driver’s licence number (if you have one)
  • Financial details of your share of income, expenses, assets and liabilities
  • If you’re self-employed, you’ll need your accountant’s phone number

How to apply

Like the sound of this card?

Apply now

It only takes around 5 minutes to apply and you get a response in 60 seconds.

Other ways to apply:  Visit any ANZ Branch or Call 13 33 33 Mon to Fri, 8am to 8pm, Sat and Sun 10am to 6pm (AEST)

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.

Looking for more choices?

Be rewarded for your everyday purchasesdisclaimer and access a flexible Rewards program with complimentary insurances and Personal Conciergedisclaimer


50,000 Reward Points when you spend $2,500 on eligible purchases in the first 3 months and no annual fee for the first yeardisclaimer  

Not sure which credit card is right for you?

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. 

ANZ goMoney™ is provided by and is a trademark of ANZ.

™ 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.

ANZ's colour blue is a trademark of ANZ.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.


Offer only available to new and approved credit card applicants who apply for an ANZ First, ANZ Platinum, ANZ Low Rate or ANZ Low Rate 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,  for ANZ Platinum,  for ANZ Low Rate and  for ANZ Low Rate Platinum as at  and is subject to 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.

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Interest free periods on purchases do not apply if you do not pay the Closing Balance (or, if applicable, the 'Closing Balance' less instalment Plan and Buy Now Pay Later plan balances) shown on each statement of account in full by the applicable due date. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF 468kB).

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

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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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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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This estimate is based on a couple/family purchasing a standard international annual multi-trip policy underwritten by QBE without any customisation for pre-existing conditions or without taking into account any special conditions or requests as of 16 September 2015.

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ANZ goMoney™ for Android™ is only available in Google Play™. ANZ goMoney™ for iPhone is only available from the App Store. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc.

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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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ANZ Credit Card Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and OnePath General Insurance Pty Limited (ABN 56 072 892 365). 

This advice is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. Before you purchase ANZ Credit Card Insurance you should consider whether the advice is appropriate for you having regard to your objectives, financial situation and needs.

ANZ recommends that you read and consider the ANZ Financial Services Guide and the ANZ Credit Card Insurance Product Disclosure Statement and Policy (also available by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

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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) (please call 13 13 14 for a copy). Purchases exclude fees, cash, cash equivalent transactions, balance transfers and premiums paid for ANZ Credit Card Insurance. 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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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 or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases (excluding fees, cash, cash equivalent transactions, cash advances as defined in the ANZ Credit Card Conditions of Use (PDF 328kB),  balance transfers, premiums for ANZ credit card insurance and any other payments excluded under the ANZ Rewards - Rewards Program Terms and Conditions (PDF 76kB)) within three months of approval to receive the bonus Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. 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.  The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards Platinum a Total Annual Fee of $149 applies, which includes a $94 Annual Account Fee and a $55 Rewards Program Service Fee. For additional cardholders an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at Tuesday, 24 February 2015 and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

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