ANZ Platinum Credit Card: Rewards, Features, Fees & Everything You Need to Know

If you're looking for a card that combines premium perks with everyday value, the ANZ Platinum Credit Card could be a great option. With access to ANZ credit cards rewards, complimentary travel insurance, and a host of other benefits, this card is designed for Aussies who want more from their spending.

In this guide, we break down everything you need to know about the ANZ Platinum Credit Card—from rewards to fees, eligibility criteria, and FAQs—so you can decide if it’s the right fit for your wallet.

What Is the ANZ Platinum Credit Card?

The ANZ Platinum Credit Card is a premium-tier credit card from ANZ, one of Australia’s Big Four banks. It offers access to ANZ credit cards points, overseas travel insurance, purchase protection, and other value-added services. This card is ideal for individuals who want solid rewards and travel perks without the hefty fees usually associated with high-end cards.

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Quick Overview: ANZ Platinum Credit Card Details

Feature	Details
Card Name	ANZ Platinum Credit Card
Rewards Program	ANZ Rewards
Annual Fee	$87 (waived for the first year in some offers)
Purchase Rate	20.24% p.a.
Cash Advance Rate	21.74% p.a.
Interest-Free Days	Up to 55
Minimum Credit Limit	$6,000
Rewards Points	Earn 1 point per $1 spent on eligible purchases
International Travel Insurance	Complimentary when conditions are met
Balance Transfer Offer	Often includes 0% for introductory periods

Pros and Cons of the ANZ Platinum Credit Card

Pros	Cons
Access to ANZ credit cards rewards and points	High interest rate on purchases and cash advances
Complimentary travel insurance	Annual fee after the first year
Up to 55 interest-free days	Points may not be earned on all transactions
Purchase protection and extended warranty insurance	Requires a relatively high minimum income/credit score
Balance transfer offers available	Fees apply for late payments or foreign transactions

ANZ Platinum Credit Card Rewards Program

The ANZ Platinum Credit Card Rewards program gives cardholders access to ANZ’s exclusive rewards platform. You can earn ANZ credit cards points for every dollar spent on eligible purchases.

How It Works:

• Earn 1 Reward Point per $1 spent on eligible purchases.

• Redeem points for gift cards, travel bookings, merchandise, cashback, and more.

• Rewards points don’t expire as long as the account remains open and in good standing.

If you frequently use your card for everyday expenses, the ANZ platinum credit card rewards can add up quickly.

Features and Benefits of the ANZ Platinum Credit Card

The ANZ Platinum Credit Card comes packed with features designed to enhance your lifestyle, provide financial protection, and offer better value from everyday spending.

1. Complimentary Travel Insurance

When you spend at least $250 on eligible travel, you receive complimentary overseas travel and medical insurance. Perfect for frequent travellers.

2. Purchase Protection

Covers new items against loss, theft, or damage for 90 days from the date of purchase.

3. Extended Warranty

Doubles the manufacturer’s Australian warranty for up to 12 months.

4. Fraud Protection

ANZ Falcon™ provides 24/7 fraud monitoring for suspicious activity.

5. Balance Transfer Offers

Promotional 0% p.a. balance transfer rates for up to 20 months (offer changes regularly—check ANZ’s site for latest deals).

6. Visa Platinum Benefits

Enjoy exclusive entertainment offers, travel deals, and concierge services through Visa Platinum privileges.

Fees and Charges

Here’s a breakdown of the typical costs associated with the ANZ Platinum Credit Card:

Fee Type	Amount
Annual Fee	$87 (often waived for the first year)
Purchase Interest Rate	20.24% p.a.
Cash Advance Rate	21.74% p.a.
Foreign Transaction Fee	3% of transaction
Late Payment Fee	$20
Additional Cardholder Fee	$0 (first additional card)

Eligibility Criteria

To apply for the ANZ Platinum Credit Card, you must meet the following conditions:

• Be at least 18 years old.

• Be a permanent Australian resident or eligible visa holder.

• Have a good credit history.

• Provide proof of regular income (typically $35,000+ per year).

• Have a valid Australian ID (e.g., driver’s licence or passport).

Required Documents

When applying for the ANZ Platinum Credit Card, make sure you have the following documents ready:

• Proof of Identity: Australian driver's licence, passport, or Medicare card

• Proof of Income: Recent payslips, bank statements, or tax return

• Employment Details: Employer name, position, and contact information

• Residential Information: Current address, length of stay, and previous address if under 2 years

• Existing Liabilities: Details of other credit cards, personal loans, or mortgages

Having these documents prepared can speed up the application process and improve your chances of approval.

Additional Information Before You Apply

Before applying for the ANZ Platinum Credit Card, consider the following:

• Rewards vs Interest: This card is ideal for those who pay off their balance in full each month to avoid interest charges and maximise rewards.

• Annual Fee Waivers: Keep an eye on limited-time promotions where ANZ waives the annual fee for the first year.

• Balance Transfer Limits: Not all existing debts may be eligible for the full balance transfer—check your credit limit.

• Supplementary Cards: Add a family member (18+) as a supplementary cardholder for no additional cost.

Final Thoughts

The ANZ Platinum Credit Card is a solid choice for Australian consumers looking for a credit card that balances travel perks, rewards, and financial flexibility. Whether you're after ANZ platinum credit card rewards, complimentary insurance, or the convenience of Visa Platinum benefits, this card is worth considering.

Before you apply, compare it with other ANZ credit cards rewards options and assess whether the benefits align with your lifestyle and spending habits. Always read the fine print and check for updated offers on ANZ’s website.

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Frequently Asked Questions ( FAQS )

1. What is the minimum credit limit for the ANZ Platinum Credit Card?

The minimum credit limit is $6,000.

2. How many ANZ credit cards points can I earn?

You can earn 1 point per $1 on eligible purchases. There's no cap as long as your account remains open and in good standing.

3. Does the ANZ Platinum Credit Card come with complimentary travel insurance?

Yes, provided you meet the minimum spend requirement on eligible travel expenses.

4. Is the ANZ Platinum Credit Card good for balance transfers?

Yes, ANZ frequently offers 0% p.a. balance transfers for an introductory period.

5. Are there any annual fee waivers?

Yes, ANZ often waives the annual fee for the first year as part of promotional offers.

6. Can I redeem ANZ credit cards rewards for cashback?

Yes, points can be used for cashback, gift cards, travel, and more.

7. Are foreign transactions charged extra on this card?

Yes, there is a 3% foreign transaction fee.

8. How do I apply for the ANZ Platinum Credit Card?

You can apply online via the ANZ website or at any ANZ branch.

9. Can I add an additional cardholder?

Yes, you can add one supplementary cardholder for free.

10. What happens to my points if I cancel the card?

You will lose any unredeemed ANZ credit cards points upon cancellation.