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Using your ANZ Low Rate Platinum credit card

Welcome to ANZ Low Rate Platinum, the card with complimentary insurances and an ongoing low rate on everyday purchasesdisclaimer.

Getting the most out of your card

Here are some handy tips to help you get the most value from your ANZ Low Rate Platinum card.


More ways to pay using your phone

Pay securely and easily using your phone with Apple Pay® or Android Pay™ anywhere you can tap and pay.

Set up recurring payments

Spend more time doing the things you want to do, by setting up recurring payments for your utilities, telecommunications and insurance service providers, to name a few. We've put together a list of popular service providers and their contact details.


Tap and go for easy and secure payments

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.

Add an additional cardholder

By adding an additional cardholder, you can simplify and consolidate your household's everyday spending. Add up to nine additional cardholders. Find out how to add additional cardholders.

Explore your benefits

Enjoy a low interest rate on purchases and a range of complimentary insurances with your ANZ Low Rate Platinum card.


Take advantage of your 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.


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 insurances for travel and shopping



Explore the world and your own backyard with freedom knowing you could be covered with our range of travel insurances including:

Read more about our range of available insurances

Shop with peace of mind, knowing you could have access to complimentary insurances when you shop using your ANZ Low Rate Platinum card including:


Emergency information

We get it – accidents happen. Credit cards get lost, items get stolen. So we’ve compiled the most common emergency information in one place – just in case!

Claim on insurance

How to claim

Lost or stolen

Report lost or stolen card

Replacement card

Order a new card

Emergency numbers

View contact numbers

Getting started


ANZ Internet Banking

Log in or Register (for new customers)
Go to the Accounts menu and select Activate ANZ card


Call 1800 652 033 or
+61 3 8699 6996 from overseas anytime


Visit an ANZ branch
A staff member can help to activate it for you


ANZ Internet Banking 

Register for ANZ Internet Banking to manage your account.


Get the ANZ App for easy banking on your mobile phone or device.

Sign up for eStatements

Pay using your phone

Add your eligible ANZ card to your iOS device using Apple Pay via ANZ App or Android device using Android Pay.

Manage credit card payments

  • Log on to ANZ Internet Banking
  • Choose the linked account to pay your ANZ Credit Card from.
  • Choose to make a one off payment or recurring credit card payments.

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 and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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

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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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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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