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Platinum credit cards

Interested in a credit card with a range of travel insurances, protection for your purchases and more? Our platinum credit card accounts give you all these at no additional cost (eligibility criteria apply).

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

earn rate

2

Reward Pointsdisclaimer

per $1 spent on eligible purchases with an ANZ Rewards Platinum American Express® card

1

Reward Pointsdisclaimer

per $1 spent on eligible purchases with an ANZ Rewards Platinum Visa card

OFFER

50,000 Reward Points after first eligible purchase within in the first 3 monthsdisclaimer  

ANZ Frequent Flyer Platinum

Earn Qantas Pointsdisclaimer on everyday purchases with complimentary insurances and Personal Conciergedisclaimer.

 

earn rate

1.5 

Qantas Pointsdisclaimer

per $1 spent on eligible purchases with an ANZ Frequent Flyer American Express® card - up to $6,000 per statement 

0.5

Qantas Pointsdisclaimer

per $1 spent on eligible purchases with an ANZ Frequent Flyer Platinum Visa card - up to $6,000 per statement 

OFFER

50,000 Qantas Points after first eligible purchase within the first 3 monthsdisclaimer

Qantas Frequent Flyer membership

Complimentary Qantas Frequent Flyer membership, a saving of $89.50disclaimer

ANZ Platinum card

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

OFFER

$200 back to ANZ Platinum when you spend $500 on eligible purchases in the first 3 monthsdisclaimer  

A credit card with a low ongoing interest rate for your everyday purchasesdisclaimer plus Overseas Travel and Medical Insurancedisclaimer.

OFFER

0% p.a. for the first 18 months on balance transfers (3% Balance Transfer Fee applies)disclaimer Reverts to standard balance transfer rate, currently 21.74% p.a.

Our platinum cards include

 

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.

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. 

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.

 

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. 

American Express is a registered trademark of American Express. ANZ American Express cards are issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a licence from American Express.

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

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 113kB). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 113kB), 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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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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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 an eligible purchase (purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 113kB), 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) 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.

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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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Offer available to new and approved applicants who apply for an ANZ Frequent Flyer 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 Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer 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 an eligible purchase (purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB), 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) within three months of approval to receive the bonus Qantas Points. The bonus Qantas Points will be credited to your ANZ account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer Platinum credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas 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.

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This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the Qantas website. This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas.

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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 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 Platinum or ANZ First 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 for customers who have been approved for an ANZ credit card and received a cashback or similar payment from ANZ 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 $500 worth of eligible purchases within three months of approval to receive the $200 back to your ANZ First or ANZ Platinum account. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances as defined in the ANZ Credit Cards Conditions of Use, interest, fees, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes, transactions reversed and purchase refunds. The $200 back will be credited to your ANZ First or ANZ Platinum account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Platinum or ANZ First credit card account before the introductory $200 back is processed to your account, you may become ineligible for this offer. The $200 back available under this offer does not constitute a payment under the credit card contract we have in place with you and will be applied to your purchases balance (see the ANZ Credit Cards Conditions of Use (PDF 468kB)). 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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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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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. 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 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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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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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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