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ANZ Platinum Credit Card

Offers no annual fee for the first year and a competitive 0% interest on purchases for 25 months, but a 20.24% p.a. interest rate applies after that.

The ANZ Platinum has one of the longest 0% p.a. purchase rate offers on the market right now and comes with a range of complimentary insurance options for travel and shopping. You’ll also save with a $0 annual fee in the first year, which goes to $87 p.a. after that and is competitive with other platinum credit cards in Australia.

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21.24% p.a.

Balance transfer rate

0% p.a.

Purchase rate

for the first 25 months (reverts to 20.24% p.a.)

$0 p.a.

Annual fee

for the first year ($87 p.a. thereafter)

55 days

Interest free period

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Product NameANZ Platinum Credit Card
Balance transfer rate p.a.21.24%
Balance transfer revert rateCash Advance Rate (21.24% p.a.)
Balance transfer limit95% of available limit
Purchase rate p.a.0% for 25 months, reverts to 20.24%
Annual fee$0 for the first year ($87 thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate21.24% p.a.
Min credit limit$6,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • $0 annual fee in the first year ($87 p.a. thereafter). The annual fee is also waived if you spend more than $20,000 on the card each year.
  • 0% p.a. for the first 25 months on purchases
  • Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance
  • Cashback offers when you shop through Cashrewards Max


  • Does not offer a rewards program
  • Charges a 3% foreign transaction fee
Bonus pointsN/A
Annual fee$0 for the first year ($87 thereafter)
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$20
Foreign currency conversion fee3%
Cash advance fee3%
Overseas cash advance fee3% of the transaction amount or $4 (whichever is greater)
Overseas ATM withdrawal fee$5
Additional cardholder fee$0
Number of additional cardholders9

Review by

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The ANZ Platinum Credit Card offers a 0% p.a. purchase rate promotion that could help you buy what you need and save on interest for the first 25 months you have the card. After that, a 20.24% p.a. interest rate applies to purchases, which is higher than the average standard credit card interest rate in Australia.

How to apply

You can apply for the ANZ Platinum Credit Card online in 5 minutes and receive a response within 60 seconds. Before you apply, make sure you meet the eligibility criteria and have the necessary information to complete the application.

Eligibility criteria

  • Residency requirement. Citizens and permanent residents of Australia are eligible to apply. If you are a non-Australian permanent resident, you must have an eligible working or business visa with at least 9 months remaining.
  • Eligible balance transfer debt. ANZ allows you to transfer from $100 up to 95% of your credit limit from non-ANZ credit and store card accounts.

Card benefits

  • 0% p.a. for 25 months on purchases. Apply for the ANZ Platinum Credit Card and get 0% p.a. interest for the first 25 months on purchases, starting the day your account is approved. Interest rate reverts to the standard purchase rate of 20.24% p.a. once the promotional period ends.
  • $0 annual fee in the first year. New ANZ Platinum credit cardholders will have the annual fee waived for the first year. The annual fee will revert to $87 thereafter. You can also enjoy no annual fee in the following years if your annual spend exceeds $20,000 on the ANZ Platinum Credit Card. The annual spend is calculated 12 months following your account's "fee date".

Rates & fees

  • Purchase interest rate. Outside of any promotions, your purchases will collect the 20.24% p.a. interest rate if you carry a balance beyond the interest-free period.
  • Interest-free days. When you pay the closing balance in full by the statement due date, you can save with up to 55 interest-free days on purchases. Note that if you have promotional balances from relevant balance transfer plans, instalment plans and buy now pay later plans, you will need to pay the full Adjusted Closing Balance listed on your statement to be eligible for interest-free days. This is calculated as your closing balance less the sum of any relevant promotional plans.
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