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ANZ Low Rate Platinum

The ANZ Low Rate Platinum credit card combines a 0% p.a. balance transfer offer with platinum card benefits including a 24/7 personal concierge.

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Important information

The ANZ Low Rate Platinum Card is no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.

For other similar offers, check out the ANZ Low Rate or ANZ Platinum Credit Card.

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ANZ Low Rate

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ANZ Platinum Credit Card

Get approval from ANZ for the Low Rate Platinum card and take advantage of a 0% p.a. interest rate on balance transfers for 15 months with no balance transfer fee.

This card also offers platinum benefits including complimentary insurances such as overseas travel, emergency medical and dental insurances.

ANZ Low Rate Platinum review

With the ANZ Low Rate Platinum card, you get all the benefits of having a platinum card, without the higher rates and fees that typically go with it. There is a $99 annual fee and an ongoing interest rate of 11.49% p.a. on purchases.

Benefits of the ANZ Low Rate Platinum

Compare the benefits of a variety of platinum cards to make sure you choose the right one for your circumstances. When it comes to the ANZ Low Rate Platinum, these benefits should stand out:

  • Balance transfer offer. If you apply for an ANZ Low Rate Platinum card and are approved, you can transfer your balances and pay 0% p.a. interest for 15 months with no balance transfer fee. Any unpaid balances at the end of the 15-months period will revert to the standard balance transfer rate of 21.74% p.a.
  • Low interest rate. The 11.49% p.a. interest rate applied to purchases is competitive within the "low-rate" market. You are given up to 55 days after making the purchase before interest is applied. These interest-free days are only valid if you do not carry any balance on the card, including those from a balance transfer.
  • Complimentary travel insurance. Travellers can take comfort in knowing they are covered for emergency medical and dental care while traveling overseas, and travel cancellations or lost luggage while travelling inside of Australia. You will also be protected from excessive rental car fees if you hire a vehicle from a major car rental company in Australia.
  • Included insurances. This card includes purchase protection, extended warranty coverage and a 21-day best price guarantee. This means if you find an item purchased with the ANZ card somewhere else for cheaper within 21 days, the difference in price will be refunded to you. Any purchase made with your ANZ platinum card is protected for 90 days from theft, loss, or breakage.
  • Mobile payment technology. Apple Pay and Google Pay let you use your Apple or Android device to tap and pay with your eligible ANZ credit card.
  • 24/7 concierge service. As a Platinum cardholder, you have access to a personal concierge. This concierge is available to assist you at any time of the day or night, no matter where in the world you are, and will assist in organising and booking tickets, tours, transport and a range of other services.

Features of the ANZ Low Rate Platinum

In addition to looking at the benefits of different credit cards, you should also be comparing common features.

  • Annual fee. You are charged $99 p.a. for the ANZ Low Rate Platinum.
  • Additional cardholders. Add up to 9 additional cardholders to the account for $0 each.
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42 Responses

  1. Default Gravatar
    martinMay 29, 2017

    does anz low rate platinum card provide qantas points?
    thanks, m

    • Default Gravatar
      JonathanMay 30, 2017

      Hi Martin!

      ANZ Low Rate Platinum is not part of Qantas Flyer Points Rewards Program.

      You may visit this link to get your options. Click “”Go to Site””for your chosen brand to finish your application and/or get more details.


  2. Default Gravatar
    bertieFebruary 4, 2017

    Credit card balance transfer – I am a new customer and was made to believe if I transfer from my other Credit Card I would get 16 months int free
    Can u please confirm this is correct

    • Avatarfinder Customer Care
      MayFebruary 5, 2017Staff

      Hi Bertie,

      Thank you for your inquiry.

      The ANZ Low Rate Platinum Credit Card actually offers 0% p.a. interest on balance transfer for 6 months only, not 16 months. After 6 months, the interest rate will revert to 13.49% p.a.


  3. Default Gravatar
    DanielDecember 24, 2016

    Who is the travel insurance company for the complimentary travel insurance on ANZ Low Rate Platinum Credit Card?

    • Avatarfinder Customer Care
      JasonDecember 24, 2016Staff

      Hi Daniel,

      Thank you for your enquiry.

      The ANZ complimentary travel insurance is issued by QBE Insurance (Australia) Limited.

      Please click this link for more information about the ANZ credit card complimentary travel insurance.

      I hope this helps.

      Kind regards,

  4. Default Gravatar
    venkatFebruary 2, 2016

    If I would like to pay off my gas & electricity bills (say $1500), car loan repayment of $300 & some shop purchases (say $2000) = $3800 in a month(rather within the statement period) using this card and transfer this amount within intro period say 40 days from my debit card, can I get interest free facility? or I need to pay cash loan interest for the bills- Can you please clarify?

    • Avatarfinder Customer Care
      JonathanFebruary 3, 2016Staff

      Hi Venkat, thanks for your inquiry!

      To clarify your situation, balance transfers/ transferring an amount from a debit card to a credit card is not eligible. If the debt amounts that you have mentioned belong to a credit card then you can request for them to be transferred to the ANZ Low Rate Platinum credit card.
      Transferring your car loan repayment (qualifies as a personal loan) will require that you balance transfer to a Citi or Virgin credit card as they are the only banks that allow this type of balance transfer, you can compare their balance transfer credit cards here.

      I hope this helps.



  5. Default Gravatar
    SandieNovember 9, 2015

    Can this card be in joint names or is it a single applicant with an extra card (for my spouse)?

    • Avatarfinder Customer Care
      JonathanNovember 9, 2015Staff

      Hi Sandie, thanks for your inquiry!

      Unfortunately ANZ does not allow joint-accounts. You can compare banks/ providers who allow joint-account credit cards here.



  6. Default Gravatar
    SandieNovember 9, 2015

    I intend to use the credit card for bills/everyday expenses. Can you please tell me whether bills are considered purchases or as cash advances. I would also like to know whether direct debit payments from the credit card account to regular billers (fortnightly or monthly payments of the same amount each time) are deemed purchases or cash advance.

    Thanks very much,

    • Avatarfinder Customer Care
      JonathanNovember 9, 2015Staff

      Hi Sandie, thanks for your inquiry!

      Purchases are when a good or service is exchanged, bills can be considered purchases when using BPAY. Unfortunately we are unable to be absolute on this detail, as this depends on the merchant/ companies agreement with the bank. As per ANZ’s terms and conditions “This is dependent upon how the biller is set up with the BPAY® billing service. The biller has the option of accepting a credit card as a method of payment. If the biller chooses to accept, the bill payment is processed as a purchase.”

      I hope this has helped. For further clarification it is key to contact your biller directly.



  7. Default Gravatar
    JamesSeptember 21, 2015


    I have three Credit Cards that I would like to do a balance transfer on, however, the application will only allow two. Is there a limit on how many credit cards this particular card/offer will allow/


    • Avatarfinder Customer Care
      JonathanSeptember 23, 2015Staff

      Hi James, thanks for your inquiry!

      You can balance transfer as many cards providing that the total balance transfer amount falls within 95% of the available credit limit. To request more than 2 credit cards you will have to contact ANZ’s Balance transfer team on 1800 007 511.



  8. Default Gravatar
    LisaApril 9, 2015

    Can I transfer my husband’s credit card balance to this one if I will be the primary card holder for the new card?

    • Avatarfinder Customer Care
      JonathanApril 9, 2015Staff

      Hi Lisa, thanks for your inquiry!

      ANZ allows the transfer between two people’s names. As long as your balance transfer amount is within 95% of the approved credit limit and you meet the application criteria you will be able to apply for this card/ promotion.



  9. Default Gravatar
    SimiNovember 19, 2014

    Hi ,

    I already made a balance transfer this year in July with ANZ – low rate card, can I apply for another balance transfer – ANZ low card rate? or are there chances of getting this application rejected because of the 1 existing balance transfer approved in last 3 months.

    Please advise ASAP.


    • Avatarfinder Customer Care
      ElizabethNovember 19, 2014Staff

      Hi Simi,

      Thanks for your question.

      Unfortunately this offer is only available to new ANZ Low Rate cardholders, so as an existing cardholder you’ll be unable to apply.

      I hope this has helped.



  10. Default Gravatar
    nickOctober 15, 2014

    what is the maximum credit limit available on this particular card???

    • Avatarfinder Customer Care
      ElizabethOctober 15, 2014Staff

      Hi Nick,

      Thanks for your question.

      There’s no set maximum limit on this card, with the amount you’re approved for being determined by your individual financial situation.

      Hope this has helped.



Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Qantas American Express Premium Card
20.74% p.a.
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.

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* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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