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 balance
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% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationNo


  • There is $0 annual fee charged in the first year you have this card. It then reverts to a competitive $87 every year afterwards. The annual fee is also waived if you spend more than $20,000 on the card each year.
  • Enjoy 0% p.a. for the first 18 months on balance transfers.


  • A one-time 2% balance transfer fee applies.
  • There is no rewards program that comes with this card.
Annual fee$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Minimum Monthly Repayment2.5% of the closing balance or $25, whichever is greater
Late Payment Fee$20
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
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 Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

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.
  • Credit history. You'll need to have a good credit score to receive approval. You can get your credit score and comprehensive credit report for free through Finder.

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. You can transfer up to 95% of your credit limit from non-ANZ accounts. 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 p.a. 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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  1. Default Gravatar
    July 10, 2019

    How do I make a travel related claim?

    • AvatarStaff
      July 10, 2019

      Hi John,

      Thanks for getting in touch!

      To make a claim on your ANZ, please see the details below:

      Allianz is responsible for processing all insurance claims made under these policies, and specifies that all claims must be made within 30 days of the completion of your journey.

      You can find the detailed information on how to file a travel claim via this page.


  2. Default Gravatar
    July 2, 2019

    Do frequent flyer points accrue on Vias platinum ?

    • AvatarStaff
      July 3, 2019

      Hi Rob,

      Thanks for your inquiry.

      Unfortunately, ANZ Visa platinum card doesn’t accumulate frequent flyer points. However, if you are looking for a frequent flyer reward credit cards, please check this page.

      I hope this helps.

      Kind regards,

  3. Default Gravatar
    August 24, 2018

    Does this cover domestic holidays flights (Melbourne to Sunshine Coast) if we got sick and could not travel?

    • AvatarStaff
      August 24, 2018

      Hello Margaret,

      Thank you for your comment.

      Upon checking, you will be covered if holiday travel arrangements you have paid for (but not business related travel) are cancelled for any of the following reasons if you, or a relative unexpectedly:
      – dies;
      – is seriously injured; or
      – becomes seriously ill

      You may contact ANZ directly or contact Allianz Global Assistance for additional details of your complimentary travel insurance for domestic flights.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


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