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ANZ Rewards Platinum Credit Card

Get 50,000 bonus ANZ Reward Points and a $0 annual fee for the first year with a new ANZ Rewards Platinum card.

The ANZ Rewards Platinum earns up to 1.5 Reward Points per $1 spent on eligible purchases and offers a range of premium extras, including insurance covers and mobile payments.

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21.24% p.a.

Balance transfer rate


Bonus points

20.24% p.a.

Purchase rate


Reward points

Per $ spent

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Product NameANZ Rewards Platinum
Rewards programANZ Rewards Program
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.20.24%
Annual fee$0 for the first year ($95 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


  • 50,000 bonus Reward Points
  • $0 annual fee in the first year
  • Earn 1.5 Reward Points per $1 spent up to $2,000 / statement period (0.5/$1 thereafter)
  • Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance
  • Cashback offers when you shop through Cashrewards Max


  • Charges a $65 annual fee per additional cardholder
  • $2,000 threshold before lower earn rate kicks in is low
  • Interest rate of 20.24% p.a. is relatively high
Rewards programANZ Rewards Program
Bonus points50,000
Rewards points per $ spent1.5
Annual fee$0 for the first year ($95 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$65
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

If you want to earn points without spending hundreds of dollars on a credit card annual fee, the ANZ Rewards Platinum earns between 0.5 and 1.5 points per $1 and has a $95 annual fee – which is waived in the first year. To give you an idea of the value of ANZ Rewards points, you could use the 50,000 bonus points to get $220 worth of Woolworths WISH digital gift cards.

You can also use your points for travel rewards, cashback on your account, retail items or convert them to frequent flyer points with Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Asia Miles and Air New Zealand Airpoints.

How to apply

You can apply for the ANZ Rewards Platinum credit card online in around 5 minutes and receive a response in 60 seconds. Before you start your application, make sure that you meet the eligibility requirements and have the necessary information.

Eligibility criteria

  • New customer. The bonus points offer is only available to new ANZ Rewards credit card holders.
  • 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.

Card benefits

  • 50,000 bonus Reward Points. Receive 50,000 bonus points when you apply for an ANZ Rewards Platinum Card, are approved and spend $1,500 on eligible purchases within the first 3 months from card approval. Your bonus points will be credited to your account within three months of meeting the spend requirement. Eligible purchases include most of your everyday spending. Transactions that you won’t earn points for include cash advances, balance transfers and payments to the Australian Taxation Office (ATO).
  • First-year annual fee waiver. Save with a $0 annual fee for the first year (reverting to $95 p.a. thereafter).

Rates & fees

  • Annual fee. Outside of any promotions, this card charges an annual fee of $95 (which includes a $40 annual fee and a $55 rewards fee).
  • Purchase rate. Purchases will collect interest at 20.24% p.a. (variable).

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  1. Default Gravatar
    February 28, 2019

    I have paid for a holiday at Christmas with my Visa credit card. I understand that my husband is not eligible for the free travel insurance as he is outside the age limit. Am I eligible for the travel insurance and how do I go about arranging a copy of the policy?

    Thank you for your help.

    • Avatarfinder Customer Care
      March 2, 2019

      Hi Sue,

      Thank you for getting in touch with Finder.

      The eligibility requirements for the ANZ complimentary travel insurance are as follows:

      • Use an eligible ANZ credit card to pay for at least AUD$250 (inclusive of taxes and other charges) of your prepaid travel costs.
      • You should be a permanent Australian citizen or resident or hold a visa that allows you to live and work in Australia issued under the Migration Act 1958 (Cth).
      • You must have a valid return overseas travel ticket before leaving Australia.
      • You must be 80 years of age or under on the day you activated the insurance policy.
      • A spouse and/or a child who is travelling with the cardholder on the trip for at least 50% of the period of cover is also eligible for travel insurance.

      Since ANZ credit card complimentary travel insurance is underwritten by Allianz Australia Insurance, please contact them directly for a copy of your policy.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    July 21, 2018

    I have made one eligible purchase within 3 months from card approval. I want to know when can i receive the 65,000 points and 50 cash back?

    • Default Gravatar
      July 21, 2018

      Hi Ryan,

      Thanks for leaving a question on finder.

      Ideally, you will be receiving the bonus points within the billing cycle for the month. To check your Reward Points balance and Rewards Statement, please log into your ANZ Rewards account on the ANZ website.


  3. Default Gravatar
    March 22, 2018

    Can this card be applied for through a branch rather than online?

    • Avatarfinder Customer Care
      March 22, 2018

      Hello Terry,

      Thank you for your comment.

      Yes, you can visit any ANZ branch to apply. However, for a hassle-free application and faster approval, you may apply by clicking the Go to Site button above and you will be redirected to the provider’s website. Just make sure that the eligibility requirements are met before submitting an application. You can see the criteria outlined above for reference.


  4. Default Gravatar
    March 20, 2018

    Hi ,If I hold only one platinum card will it cover my Wife and myself for international travel

    • Avatarfinder Customer Care
      March 22, 2018

      Hi John,

      Thanks for your question.

      The complimentary travel insurance that comes with your card will also cover your spouse and any dependent children that are traveling with you. They will also have to meet the eligibility criteria, including payments to your card for part of their travel bookings.

      You may refer to the ANZ credit card complimentary travel insurance to check the eligibility criteria for the complimentary travel insurance.


  5. Default Gravatar
    September 3, 2017

    My wife and i have a rewards platinum card, for travel insurance will this also cover our 3 children

    • Avatarfinder Customer Care
      September 5, 2017

      Hi David,

      Thanks for your question.

      Yes, your children may also benefit from the complimentary travel insurance cover, provided they meet certain eligibility criteria, including payments to your card for part of their travel bookings.

      I highly recommend you read more about the ANZ Credit Card complimentary travel insurance. By doing so, you’ll get to know more about their features and offers.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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