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Earn 100,000 bonus Reward Points with your new ANZ Rewards Platinum credit card

When you spend $2,500 on eligible purchases in the first 3 months from approval.disclaimer

Apply now  View rates & fees

It only takes around 5 minutes to apply.

 Finder Awards 2018 Best Reward Card

Take 3 simple steps

1

Apply now

Apply and be approved for an ANZ Rewards Platinum credit card.disclaimer

2

Activate and spend

Spend $2,500 on eligible purchases in the first 3 months from approval .disclaimer

3

Your bonus Reward Points

Will be credited to your ANZ account within three months after the eligible spend criteria has been met.disclaimer

Every point earned can lead to something wonderful

With ANZ Rewards, you’ll earn points for every dollar spent on eligible purchases to redeem for travel, entertainment, gift cards, cashback and more.disclaimer And for selected rewards, if you don’t have enough points, just pay the balance.

Redeem ANZ Reward Points for Frequent Flyer Points and Airmiles

Redeem ANZ Reward Points for Velocity Frequent Flyer Points, Air New Zealand Airpoints Dollars, Singapore Airlines KrisFlyer miles or Asia Miles.disclaimer

Help reduce the balance of your Rewards card

Or credit another ANZ account when you redeem ANZ Reward Points for ANZ Cashback.disclaimer

Go shopping with gift cards


From top retailers like Myer, Bunnings, Woolworths, Westfield, Caltex, and many more.

Important numbers

Rates table 1

Standard purchase rate is currently disclaimer

Standard interest rate on standard balance transfers and cash advances is currently disclaimer

Total annual fee $95disclaimer

Up to 55 daysdisclaimer on purchases when you pay your account in full each month

A minimum credit limit of $6,000

1.5 Reward Pointdisclaimer

per $1 spent on eligible purchases up to and including $2,000 per statement period

0.5 Reward Pointsdisclaimer

per $1 spent on eligible purchases above $2,000 per statement period

Ready to be rewarded?

To apply, 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
  • Ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Rewards Black, ANZ Rewards Platinum or an ANZ Rewards credit card in the last 12 months and meet all other offer eligibility criteria

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

Apply now

It only takes around 5 minutes to apply.


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.

On top of the rewards

Complimentary insurance when you travel

You could be eligible for these complimentary insurances:

  • Overseas Travel and Medical Insurancedisclaimer provided by Allianz Insurance. 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.

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 64kB).

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. 

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. Not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card, or have closed, or qualified for bonus Reward Points on, any of those ANZ Rewards credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases within 3 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 (PDF 468kB), for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. The bonus 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 bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before bonus 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.

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Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB) (please call13 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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Minimum Redemption thresholds apply. To redeem ANZ Reward Points for frequent flyer points, airpoints or airmiles, you must be a member of the relevant program and an ANZ Rewards Account Holder. Refer to the relevant program terms and conditions for details: Velocity Member Terms and Conditions, KrisFlyer Terms and Conditions, Airpoints Terms and Conditions and Asia Miles. ANZ Reward Points are subject to ANZ Rewards – Rewards Program Terms and Conditions (PDF 87kB).

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When you redeem your ANZ Reward Points for ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black account within 5 business days. Minimum Redemption thresholds apply.

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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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For ANZ Rewards, a Total Annual Fee of $80 applies which includes a $25 Annual Account Fee and a $55 Rewards Program Services Fee. 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 ANZ Rewards Black, a Total Annual Fee of $375 applies, which includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Travel Adventures, a Total Annual Fee of $225 applies, which includes a $170 Annual Account Fee and a $55 Rewards Program Service Fee. For additional cardholders on ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black and ANZ Rewards Travel Adventures, 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  and are subject to change. The fee information displayed on this page applies to new customers only.

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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). Existing customers should review their credit contract for information regarding their account.

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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 third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Premium Cards – Insurances, Insurance Policy Information booklet (PDF 276kB) 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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This estimate is based on a 35 year old couple with a standard worldwide multi-trip policy with $25,000 cancellation cover, a $250 excess and with a maximum trip duration of 45 days issued by AWP as of 19 March 2018.

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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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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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