ANZ Platinum

By ANZ

A simple everyday credit card with $0 annual fee in the first year and complimentary insurances (conditions and exclusions apply)

Last product change: 17 Jun 2025

Last checked: 14 Aug 2025

 
The ANZ, ANZ Platinum card

Lending Rates

Type Rate (p.a.) Comparison Rate (p.a.) Duration

Cash Advance

21.99%

 -

Rates are subject to change. The interest rate that applies to cash advances is currently equivalent to the interest rate that applies to standard balance transfers.

Purchase

20.99%

 -

Rates are subject to change

Fees

Billing FrequencyDetails
Account ServicePeriodic
$87.00
P1Y
No annual card fee for the first year and $87 after that (or $0 if you make $20,000 of eligible purchases in 12 months)
Cash AdvanceWithdrawal
Any transaction on your account which is a Cash Advance attracts a fee. The fee applies even if your account has a positive balance. A Cash Advance is not just a cash withdrawal. Transactions which are Cash Advances are described in ANZ’s Credit Cards Conditions of Use. We charge a 3% fee, subject to: • a maximum fee of $20; and • a minimum fee of $3. See your letter of offer for details as to how we calculate the fee. P1Y
Overseas Transaction FeePurchase
P1Y
Late PaymentEvent
$20.00
P1Y
Over LimitEvent
$20.00
P1Y
Instalment Plan FeeVariable
$0.00
Instalment Plan fees are determined when a customer accepts an instalment plan.
Balance Transfer FeeVariable
$0.03
A Balance Transfer Fee may be charged when a customer does a balance transfer.
Priority FeeEvent
$50.00
We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority.
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Features

Additional Cards 9 additional cards

Up to 9 additional cardholders (at no additional cost).

Cashback Offers
  • $0

    ANZ has teamed up with Australia’s leading cashback program Cashrewards. Join Cashrewards for free to access cashback offers from more than 2,000 popular retailers and get more for your money! Read more

  • $100

    Earn $100 credit back to your new card when you spend $2,000 on eligible domestic purchases in the first 3 months from approval of your new card. New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee $0 in the first year, currently $87 thereafter). Read more

  • $250

    Earn $250 back to your new ANZ Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months from approval. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $87 thereafter). The offer is available to new ANZ home loan applicants who apply for a new ANZ credit card and new ANZ Home Loan in the one application and are approved for that new ANZ credit card.

  • $150

    Earn $150 credit back to your new card when you spend $1,500 on eligible overseas purchases in the first 6 months from approval of your new card New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $87 thereafter Read more

Balance Transfer Yes
Interest Free Period 55 days