In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.
ANZ Rewards Platinum
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Terms and conditions apply
Balance transfer rate with no balance transfer fee
21.99% p.a.
Bonus points
Purchase rate
20.99% p.a.
Reward points per $ spent

Our verdict

Offers 100,000 bonus ANZ Reward Points and $50 back, with a $149 annual fee.

The ANZ Rewards Platinum is suited to people who want to earn points without paying hundreds of dollars on an annual fee. Its $149 annual fee is competitive for a rewards card, and it earns between 0.5 and 1.5 points per $1 on eligible spending. To give you an idea of the value of ANZ Rewards Points, you could use the 100,000 bonus points to get $440 worth of Bunnings digital gift cards. And the $50 back adds extra value to this offer.

You can also redeem points for cashback on your account, retail items or transfer them to Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles and Air New Zealand Airpoints.


  • Offers 100,000 bonus ANZ Reward Points
  • Also offers $50 back
  • Up to 1.5 Reward Points per $1 spent
  • Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance


  • Low $2,000 threshold before the points per $1 rate is reduced (for that statement period)
  • Relatively high 20.99% p.a. interest rate for purchases
  • Relatively high $65 annual fee for each additional cardholder

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
From 7 June 2024, ANZ is making changes to its complimentary insurances for credit cards. For full details, please refer to the new insurance policy document from ANZ.

The ANZ Rewards Platinum earns up to 1.5 ANZ Reward Points per $1 on eligible purchases, which you can redeem for gift cards, frequent flyer point transfers and other rewards. It also offers complimentary international and domestic travel insurance, as well as other types of cover.


Product details

Product Name ANZ Rewards Platinum
Balance transfer rate p.a. 21.99%
Balance transfer limit 95% of available limit
Purchase rate p.a. 20.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $6,000
Card type Visa


Available to temporary residents Yes - Conditions apply
Joint application No


Rewards program ANZ Rewards Program
Bonus points 100,000
Rewards points per $ spent 1.5


Annual fee $149
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $20
Foreign currency conversion fee 3%
Cash advance fee 3% or $3, whichever is greater
Overseas cash advance fee 3% of the transaction amount or $3 (whichever is greater)
Overseas ATM withdrawal fee $5
Additional cardholder fee $65
Number of additional cardholders 9

How to apply

You can apply for the ANZ Rewards Platinum credit card online in around 20 minutes. 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 and cashback offers are 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

  • 100,000 bonus ANZ Reward Points. You'll get 100,000 bonus points when you apply for an ANZ Rewards Platinum Card as a new customer and spend $2,000 on eligible purchases in the first 3 months from card approval. Your bonus points will be credited to your account within 3 months of meeting the spend requirement. Eligible purchases include most everyday spending, such as groceries, petrol and dining out. Transactions that you won’t earn points for include cash advances, balance transfers and payments to the Australian Taxation Office (ATO).
  • $50 back. When you meet the bonus points spend requirement of $2,000 on eligible purchases in the first 3 months, you'll also get $50 back on your new ANZ Rewards Platinum account.

Rates & fees

  • Annual fee. This card has an annual fee of $149, which includes a $94 annual fee and a $55 rewards fee.
  • Purchase rate. There is a 20.99% p.a. variable interest rate for purchases made with this card.

Your reviews

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Donna E Shipton

October 25, 2023

I am an ANZ customer and want to earn points when I travel which is not often but I want a CC to work a bit for me – I do not have one to pay off I use a Debit Card and have savings – I basically want to try and get points to use for travel; low annual fee and low % on purchases I will not be using it for cash advances – I also only want for up to say $6000 – what would you recommend for me I have an idea but want your expert advise

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Sarah Megginson Finder

October 26, 2023

Hi Donna,

If you wish to get a credit card to earn points, a rewards card is a good option. These often come with a higher annual card fee (on this card, it’s quite low at $95 – fees can be up to $400, or more for premium top end cards).

It can be tricky to find a card that offers both a low interest rate and rewards points, so it’s worth considering which goal is more important to you? If you pay off all purchases in full each month then the interest rate won’t matter as much, and you can aim to find a card with a high earn rate and ideally a good bonus points offer at sign up. If you think you may carry debt on the card (ie you won’t pay the balance in full each month), then it’s important to consider whether the points you earn for travel will be outweighed by the interest you earn.

We’re not licenced to provide personal advice, but hopefully this information helps you make a decision. Best of luck!

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July 09, 2023

I’m a current customer of anz and have an anz rewards credit card – not a platinum. Am I eligible for the 80,000 points and/or $50 cash back?

Also is travel insurance available with my current credit card? Or only with the platinum?


Elizabeth Barry Finder

July 13, 2023

Hi Sam,

According to ANZ’s criteria, to be eligible for the bonus points offer you just need to make sure “you don’t currently hold and haven’t opened or closed an ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventure or an ANZ Rewards credit card in the last 12 months and meet all other offer eligibility criteria”. So unfortunately it sounds like you still will not be eligible for the offer.

It looks like your credit card, the ANZ Rewards Credit Card, is discontinued. But from what I can see there are no complimentary insurances included on the card. However, you might want to confirm this with ANZ directly.

Hope this has helped,


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May 19, 2023

I want to pay my airline tickets with my visa card as I want the travel insurance that comes with it.

the airline tickets are [more than] my card limit. Can I pay [the difference] in advance and then use my card?


Amy Bradney-George Finder

May 23, 2023

Hi Bill,

If you want to add the additional funds to your credit card, contact ANZ on 13 22 73 to see if this is possible. Alternatively, you could see if the airline or travel booking service will accept a part payment from your credit card and another account.

Something else to keep in mind is that this international travel insurance is available when you spend $250 on prepaid travel costs with the card and meet the other requirements. As well as flights, this spending amount could be for accommodation or other “prepaid travel itinerary items” according to the complimentary credit card insurance policy document (pdf effective 27 April 2022). I hope that helps.

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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.

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Jeni Finder

March 02, 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!



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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?


Joel Marcelo

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.



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