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0% P.A. FOR 15 MONTHS
WITH NO BALANCE TRANSFER FEEdisclaimer

Reverts to standard balance transfer rate, currently 21.74% p.a.disclaimer Eligibility criteria, T&Cs, fees and charges apply.

Apply nowView rates & fees 

It only takes around 5 minutes to apply. Get a response in 60 seconds.

ANZ Low Rate Platinum  

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

 

Low rate credit card standard interest rates on purchases are now even lower than beforedisclaimer

A range of complimentary insurances

(eligibility criteria apply)

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

The important numbersdisclaimer

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

Annual account fee

$99disclaimer

Minimum credit limit

$6,000 

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 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 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 Allianz. You could save up to $775 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

Make the everyday a little bit easier and do your banking on the go with the ANZ App. Plus Apple Pay®, and Android Pay™ let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ card,disclaimer 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 64kB).

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.

Eligibility

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 

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

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.

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?

A credit card with a low ongoing interest ratedisclaimer for your everyday purchases

OFFER

0% p.a. for 15 months with no Balance Transfer Feedisclaimer Reverts to standard balance transfer rate, currently 21.74% p.a.disclaimer Eligibility criteria, T&Cs, fees and charges apply.   

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

OFFER

65,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months, and $0 annual fee for the first year.disclaimer

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 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 at www.anz.com 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 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. ANZ will process the balance transfer requested and any applicable fees up to 95% of your available credit limit. The balance transfer must be requested at the time of applying for the credit card. The balance transfer Promotional Plan annual percentage rate expires 15 months after the date the credit card application is approved, and after the first 15 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 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.

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Standard annual percentage interest rate for ANZ Low Rate Platinum 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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The Annual Account Fee for ANZ Low Rate Platinum is current as at  and subject to change.

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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 Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 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 Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 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 Allianz 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 Allianz without any customisation for pre-existing conditions or without taking into account any special conditions or requests as of 14 October 2017.

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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.

Terms and conditions apply to the use of Android Pay.

Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 

Android, Android Pay and the Android Logo are trademarks of Google Inc..

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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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Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB) (please call 13 13 14 for a copy). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB), e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points.

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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 within three months of approval to receive the bonus Reward Points. Eligible Purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards– Rewards Program Terms and Conditions booklet, for example fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn 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 $95 applies, which includes a $40 Annual Account Fee and a $55 Rewards Program Service Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at  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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