ANZ Rewards Platinum Credit Card – Details and Application

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Get your rewards off to a flying start with 65,000 bonus points and $50 back to your new ANZ Rewards Platinum after your first eligible purchase.

The ANZ Rewards Platinum earns up to 1.5 points per $1 spent on eligible purchases and offers a range of premium extras, including complimentary travel insurance. You can also get a bonus 65,000 ANZ Rewards Points and $50 back on your card when you make one eligible purchase within 3 months from card approval.

Product NameANZ Rewards Platinum
Rewards ProgramANZ Rewards Program
Purchase rate (p.a.)18.79% p.a.
Annual fee$95 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)20.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$35,000
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Annual fee$95 p.a.
Minimum Monthly Repayment2% of the closing balance or $25, whichever is greater
Late Payment Fee$20
Cash Advance FeeThe greater of 2% of cash advance amount or a minimum of $4.00
Overseas Cash Advance FeeThe greater of 2% of cash advance amount or a minimum of $4.00
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You'll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3%
of transaction value
Gambling Transactions AllowedYes
Additional Cardholder Fee$65
Number of Additional Cardholders9

Pros

  • Receive 65,000 bonus Reward Points and get $50 back to your card when you make an eligible purchase within the first 3 months from card approval.
  • 24/7 personal concierge service.
  • Complimentary insurance covers.

Cons

  • You'll need to pay a $65 fee per additional cardholder.
Rewards ProgramANZ Rewards Program
Bonus Points65,000 bonus points
Rewards Points per $ spent (VISA/MC)1.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits and features of the ANZ Rewards Platinum Credit Card

The ANZ Rewards Platinum Credit Card offers cardholders a number of perks, including:

  • 65,000 ANZ Rewards Points. Receive 65,000 bonus points when you apply for an ANZ Rewards Platinum Card, are approved and make one eligible purchase within the first 3 months from card approval. As an example, 65,000 points is equivalent to 32,500 Velocity Points or $290 worth of Myer gift cards.
  • Get $50 back. Get $50 back when you apply, are approved and make one eligible purchase within the first 3 months from card approval on the ANZ Rewards Platinum.
  • Rewards program. You’ll earn 1.5 Reward Points per $1 spent up to $2,000 and then 0.5 Reward Points per $1 spent on eligible purchases above $2,000 per statement period. You can redeem your rewards for frequent flyer points with four airline loyalty programs including Velocity, cashback, gift cards and products from the ANZ Rewards store. See our ANZ Rewards program guide for more information.
  • Complimentary insurance. This card comes with complimentary insurance including travel and medical insurance, purchase security insurance and extended warranty insurance. You’ll need to spend at least $250 on prepaid travel costs with the card to activate the travel insurance cover.
  • Additional cardholders. You can request up to 9 additional cardholders, which can help you maximise the reward points you earn while you manage your family or business expenses. However, there is an additional $65 annual fee and a program services fee of $55 for each cardholder.
  • Mobile payment technology. You can link your account with Apple Pay, Google Pay and Samsung Pay to make tap and go payments with an eligible smartphone.

Rates and fees on the ANZ Rewards Platinum Credit Card

Weigh up these costs to decide if the ANZ Rewards Platinum is right for you:

  • Purchase rate. Purchases will collect interest at 18.79% p.a.
  • Annual fee. This card charges a standard annual fee of $80 p.a.
  • Interest-free days. You can take advantage of up to 55 days interest-free on purchases when you pay your account balance in full each statement period.
  • Cash advance rate. Cash advances, such as balance transfers and ATM withdrawals, collect an interest rate of 20.99% p.a.
  • Foreign currency conversion fee. If you use this card to make purchases overseas or when making foreign transactions online, you’ll incur a currency conversion fee of 3%.
  • Minimum repayment. You’re required to pay at least 2% of your balance each month, but you should pay your balance in full if you want to avoid interest and take advantage of interest-free days.

How to apply for the ANZ Rewards Platinum Credit Card

You can apply for ANZ's platinum rewards card by completing the secure online application. Before you do, check you meet the following eligibility criteria.

Eligibility criteria

  • Age. Applicants must be at least 18 years old.
  • Minimum annual income. Earn at least $35,000.
  • Residential status. Australian citizens, Australian residents or applicants holding a valid 457 working visa with at least 9 months remaining can all apply for this card. New Zealand citizens can also apply.
  • Credit history. You must have a good credit history.

Required documents

  • Personal details. Your Australian drivers licence for identification purposes (don’t worry if you don’t have a licence, you can still apply).
  • Income. You will need to provide information about your income, your expenses, assets and any liabilities. You'll also need to provide two recent pay slips for income verification. If you’re self-employed and you want to apply for the ANZ Rewards Platinum Credit Card, you will need to provide your account’s details.

The ANZ Rewards Platinum credit card gives you a way to earn rewards for your spending. If you've compared your options and are ready to apply now, you can also get a bonus 65,000 ANZ Reward Points and $50 back on your card when you make one eligible purchase in the first 3 months from approval.

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141 Responses

  1. Default Gravatar
    RyanJuly 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?

    • finder Customer Care
      JoelJuly 21, 2018Staff

      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.

      Cheers,
      Joel

  2. Default Gravatar
    TerryMarch 22, 2018

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

    • finder Customer Care
      JhezelynMarch 22, 2018Staff

      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.

      Regards,
      Jhezelyn

  3. Default Gravatar
    johnMarch 20, 2018

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

    • finder Customer Care
      LouMarch 22, 2018Staff

      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 travelling with you throughout the journey. They will also have to meet the eligibility criteria, including payments to your card for part of their travel bookings.

      You may refer to this page to check the eligibility criteria for the complimentary travel insurance.

      Cheers,
      Anndy

  4. Default Gravatar
    DavidSeptember 3, 2017

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

    • finder Customer Care
      LouSeptember 5, 2017Staff

      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.
      You can check this page for more information.

      Cheers,
      Anndy

  5. Default Gravatar
    tamaraJuly 20, 2017

    Does this card have a balance transfer system?

    • finder Customer Care
      RenchJuly 20, 2017Staff

      Hi Tamara,

      Thanks for your inquiry.

      Yes, you can do a balance transfer with this card. You can also check other balance transfer credit cards from this page.

      Cheers,
      Rench

  6. Default Gravatar
    May 19, 2017

    the current 50,000 point offer “Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months”

    could you please conform with ANZ if it means if i hold a current anz travel adventures card would i get the bonus points because this card does earn points into a anz rewards account, also does this offer have a expire date?

    • finder Customer Care
      MayMay 31, 2017Staff

      Hi Tess1988,

      Thank you for your inquiry.

      Sorry for the delayed reply. Since your existing card is an ANZ Rewards Travel Adventures card, you may be able to receive the bonus points of 50,000 offer for the ANZ Rewards Platinum Credit Card so long you applied and get approved for the card as well as you meet the spending condition of $2,500 on eligible purchases within 3 months from card approval. Please also note that a balance transfer, as previously stated in the condition, between an existing ANZ card to this account is not allowed.

      Furthermore, as confirmed by ANZ, this promo offer (50,000 bonus) is for a limited time only which may be withdrawn or changed at any time without notice.

      Cheers,
      May

    • Default Gravatar
      MustafaJanuary 25, 2018

      I have an ANZ Black rewards card. Would I be eligible for the points if I sign up for this card?

    • finder Customer Care
      JudithJanuary 30, 2018Staff

      Hi Mustafa,

      Thanks for getting in touch with finder. I hope all is well with you. You will not be eligible for the bonus points offer when you currently hold or have closed an ANZ Black credit card within the previous twelve months. You may click the green “Go to ANZ’s website” button on the page you’re viewing for you to be redirected to their website. Once you’re on their landing page, please scroll down until you would see “Important Information.”

      I hope this helps.

      Warm regards,
      Judith

  7. Default Gravatar
    TomMay 16, 2017

    Hi I have a Krisflyer membership and I was wondering can I send my points earned over to that? And what would be the conversion rate of points?
    Thanks

    • finder Customer Care
      HaroldMay 16, 2017Staff

      Hi Tom,

      Thank you for your inquiry.

      If you wish to transfer to an Australian banks like ANZ, convert 6,000 reward points for 3,000 KrisFlyer points, starting with a minimum of 6,000 points, and then move forward in multiples of 3,000. For further details you can check on this page the Singapore Airlines KrisFlyer Frequent Flyer Program Guide.

      I hope this information has helped.

      Cheers,
      Harold

  8. Default Gravatar
    JackiDecember 11, 2016

    If we transfer points to a frequent flyer account, are they counted as used within the 36 months or do they still expire?

    • finder Customer Care
      JasonDecember 12, 2016Staff

      Hi Jacki,

      Thank you for your enquiry.

      The ANZ Rewards Program points are considered redeemed or used once you transfer them to a frequent flyer program or account. The redeemed frequent flyer points or miles will then follow the validity period set by the frequent flyer program.

      Please check out this link for more details about the point requirements and the transfer process of different frequent flyer programs.

      I hope this helps.

      Kind regards,
      Jason

  9. Default Gravatar
    NicoleOctober 14, 2016

    Hi
    I first go the ANZ rewards card and after a few months ANZ automatically upgraded me to the platinum card I have had the one for about 4 months now I am just wondering do I got the 50,000 rewards points, I have made ELIGIBLE PURCHASE
    WITHIN THE FIRST 3 MONTHS1

    Cheers

    • finder Customer Care
      HaroldOctober 14, 2016Staff

      Hello Nicole,

      Thanks for your question.

      As stated in the fine prints on the ANZ website, to be able to qualify for the ANZ Rewards Platinum 50,000 bonus points offer you must be a new and approved applicant for the ANZ Rewards Platinum credit card account. The offer is also not available if you currently hold an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months.

      If you need further clarification on the offer, please feel free to contact ANZ directly.

      Cheers,
      Harold

  10. Default Gravatar
    PatriciaSeptember 28, 2016

    I have recently obtained my platinum card and have used it extensively. How do I check the number of reward points earned?

    • finder Customer Care
      LouSeptember 28, 2016Staff

      Hi Patricia,

      Thanks for your questions.

      You can get your Reward Points balance and Rewards Statement by logging into your ANZ Rewards account on the ANZ website.

      Cheers,
      Anndy

Credit Cards Comparison

Rates last updated July 21st, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
American Express Westpac Altitude Platinum Bundle - Exclusive Offer
20.24% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
$0 first year annual fee & up to 90,000 bonus Altitude Pts when you meet T&C with this Visa (issued by Westpac) & Amex (issued & serviced by Amex).
NAB Low Fee Platinum Card - Exclusive Amazon Offer
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
finder Exclusive: 10% cashback with amazon.com.au for 12 months (capped at $25 per month). Plus, 0% p.a. on balance transfers for 24 months.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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