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ANZ Platinum Credit Card

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Save with no annual fee for the first year, 0% on balance transfers for 18 months and take advantage of complimentary insurances.

Featuring a low annual fee, international travel insurance and purchase protection insurance covers, the ANZ Platinum offers many benefits to give extra value from your card.

0% p.a.

Balance transfer rate

for 18 months with 2% balance transfer fee

20.24% p.a.

Purchase rate

$0 p.a.

Annual fee

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

55 days

Interest free period


Product NameANZ Platinum Credit Card
Balance transfer rate0% p.a. for 18 months with 2% balance transfer fee
Balance Transfer Revert RateBalance Transfer Revert Rate (20.24%)
Balance Transfer Limit95% of available limit
Purchase rate (p.a.)20.24% p.a.
Annual fee$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Interest free period55 days
Cash advance rate (p.a.)20.24% p.a.
Min credit limit$6,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceYes
Minimum age18 years of age
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 18 months on balance transfers
  • Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance


  • A one-time 2% balance transfer fee applies
  • Does not offer a rewards program
Annual fee$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$20
Foreign currency conversion fee (Visa/Mastercard)3%
Cash Advance Fee2% or $4, whichever is greater
Overseas cash advance fee2% or $4, whichever is greater
Overseas ATM withdrawal fee$5
Additional cardholder fee$0
Number of Additional Cardholders9

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The ANZ Platinum credit card offers a long-term 0% p.a. balance transfer promotion that could help you repay your debt faster and while avoiding interest costs. There are some other longer balance transfer offers on the market, so make sure to factor this into your comparison.

How to apply

You can apply for the ANZ Platinum credit card online in five 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 18 months on balance transfers. Apply for the ANZ Platinum credit card and get 0% p.a. interest for up to 18 months on balance transfers. The promotional period starts from the date you are approved for the ANZ Platinum credit card and you'll be charged a 2% balance transfer fee. Any unpaid balance will be charged at the standard balance transfer interest 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. 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 your balance in full by the statement due date, you can save with up to 55 interest-free days on purchases. Interest-free days do not apply if you're paying off a balance transfer debt.
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