ANZ Platinum credit card review | Finder

ANZ Platinum Credit Card

Last updated:  

Save with no annual fee for the first year, 0% on purchases for 17 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.

20.24% p.a.

Balance transfer rate

0% p.a.

Purchase rate

for the first 17 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

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameANZ Platinum Credit Card
Balance transfer rate20.24% p.a.
Balance transfer limit95% of available limit
Purchase rate0% p.a. for 17 months, reverts to 20.24% p.a.
Annual fee$0 annual fee for the first year ($87 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate20.24% 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 17 months on purchases
  • Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance


  • Does not offer a rewards program
  • Charges a 3% foreign transaction fee
Bonus pointsN/A
Annual fee$0 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 fee3%
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


Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally 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 0% p.a. purchase rate promotion that could help you buy what you need and save on interest for the first 17 months you have the card. It also offers a $0 first-year annual fee waiver – saving you $87 on the card’s usual annual fee.

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 17 months on purchases. Apply for the ANZ Platinum credit card and get 0% p.a. interest for up to 17 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.
Go to site