Our simple, everyday credit card. The new card offer gives you:
$300 back to your new ANZ Platinum cardwhen you spend $1,500 on eligible purchases in the first 3 months from
T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $87 thereafter). disclaimer
if you spend less than $20,000 a year on eligible purchases disclaimer
and you expect you will be able to repay all or most of the closing balance each month
if you spend $20,000 a year or more on eligible purchases (less refunds or reversals.) disclaimer
You’ll need details of your income, expenses, liabilities, assets and proof of identity.
Planning a trip? You may be eligible for complimentary travel insurance, disclaimer plus cover for rental vehicle excess in Australia, disclaimer when you purchase travel using your ANZ credit card.
T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply . disclaimer
Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance disclaimer and Purchase Protection Insurance. disclaimer
T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply. disclaimer
ANZ Instalment Plans could be a handy way to repay your eligible credit card purchases over 3, 6 or 12 months.
Approval, eligibility and T&Cs apply. Fees and charges may apply.
Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more. disclaimer
ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.
Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment. disclaimer
Earn cashback from more than 2,000 popular retailers when you shop through Cashrewards. disclaimer
An easy way to pay using your ANZ credit card on your compatible mobile device. disclaimer And, if you need a replacement card, digital cards are faster than the post.
$6,000 Minimum credit limit
Up to 55 Interest-free days on purchases disclaimer
on cash advances disclaimer
on balance transfers disclaimer
$0 Annual Fee in the first year disclaimer
$87 if you spend less than $20,000 per year on eligible purchases
(less refunds or reversals) disclaimer
up to 9 additional cardholders
no cost for additional cardholders
To apply for an ANZ Platinum credit card, you’ll need to:
Not sure if you’re eligible?
Call our credit card specialists on 13 22 73.
Start your application online. We’ll call you back within 2 business days to help you complete it.
Or call 13 33 33
Available Monday to Friday, 8am to 8pm
This credit card has the lowest annual fee disclaimer compared to all other ANZ credit cards.
$1,000
Minimum credit limit
$30
Current annual fee disclaimer
Earn $125 credit back to your new card
when you spend $750 on eligible purchases in the first 3 months from approval of your new ANZ First credit card. disclaimer Plus, get a $0 annual fee in the first year. disclaimer
T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $30 thereafter). disclaimer
Our lowest interest rate on purchases disclaimer at
$1,000
Minimum credit limit
$58
Current annual fee disclaimer
Earn $250 credit back to your new card
when you spend $1,500 on eligible purchases in the first 3 months from approval of your new ANZ Low Rate credit card. disclaimer
T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $58). disclaimer
0% p.a. balance transfer rate for a 28 month promo period
with a 3% balance transfer fee and $0 annual fee in the first year. disclaimer
28-month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promo period, currently disclaimer
T&Cs, eligibility criteria, fees & charges apply (including an annual fee, $0 for the first year, currently $58 thereafter).
ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.
Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs. disclaimer
An embedded card microchip makes it harder for your card to be fraudulently copied.
Some added peace of mind to securely shop online.
Compare each card’s features, considerations and fees to help you choose.
A healthy budget helps with peace of mind and a greater sense of financial wellbeing. But where to get started?
There are some potential pitfalls to watch out for when it comes to credit cards. See how to make your repayments work for you.
Make sure you avoid late payment fees with things like due date reminders and direct debits.
Yes. A credit rating or history plays an important part in assessing credit card applications, but it’s not the deciding factor. Your employment history, expenses, assets and liabilities are also considered.
No. If you have more than 12 months remaining on your visa, you are eligible to apply for an ANZ credit card.
When you apply for a credit card, we’ll conduct a credit check on you by requesting information from one or more credit reporting agencies.
You will find that this is standard practice across the industry.
Depending on which credit scoring agency you go to, you may get a different score. Meaning what is considered a ‘good’ credit score will vary from place to place.
Generally, your score will sit somewhere between 0 and 1,000 or 0 and 1,200, depending on which agency is calculating your score. No matter where you go, a higher number always means a better credit score.
Visit the Credit Smart website for more information on good credit scores and ratings.
The credit reporting bodies will provide you with one free credit report per year. Additional reports can be requested at a cost.
To obtain your credit report you’ll need to contact one or a combination of the credit reporting bodies.
Visit the Credit Smart website for more information
There is no quick fix, improving your credit score will take time. Getting on top of your repayments and ensuring they are made on time is a good place to start. For more tips on how to improve your score, visit the Credit Smart website.
A credit card is a credit facility which allows you to borrow money from the bank to make purchases and get cash advances. Each credit card has a credit limit which is the amount you have been approved to spend on your card. Read “What is a credit limit” in our FAQ for more information on credit limits.
When you take out a credit card you agree to pay back the money you borrow plus any applicable interest, fees and charges. Learn more about ANZ’s interest rates, fees and charges.
When you make an eligible purchase with your ANZ credit card, you may have a period of time to repay the amount without being charged any interest. This is an interest-free period. disclaimer
Whether an interest free period is available and what period of time can vary. Please refer to our credit card education pages for more info.
The credit limit is the amount you have been approved to spend on your credit card.
You must be sure you will be able to repay a credit card before you take one out. If you miss a repayment due date you may have to pay interest and other fees and charges. It’s really important to understand your payment obligations and how credit card statements are structured. Our credit card education section contains a lot of useful information on your payment obligations and how credit cards work.
Yes. If you choose to only make the minimum monthly repayments, you’ll end up paying more interest and it may take longer to pay off or reduce your credit card balance. It could be tempting to simply pay this amount. But if you keep doing this, it could end up costing you much more in interest in the long run. disclaimer
Your statement should include a ‘minimum repayment warning’, which shows you two different scenarios. disclaimer Depending on how big your closing balance is, these two scenarios can be chalk and cheese. The first scenario gives an estimate of how long it could take you to pay off your credit card closing balance if you only make the minimum repayment each month and make no more purchases. It also provides an estimate of how much interest you could end up paying over that timeframe (assuming you make no new transactions, and fees and interest don’t change). The second scenario gives an estimate of how much you’d need to pay each statement period to pay off the closing balance in two years (assuming you make no new transactions, and fees and interest don’t change). This scenario includes an estimate of how much you could save in total interest charges.
With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Creducation is an online educational series that explores credit card interest, making payments, balance transfers and more.
Our team are available Monday to Friday from 8am to 8pm (AEST).
Find your nearest ATM or branch.
We're here to answer your application questions and help you get started.
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
Falcon® is a registered trademark of Fair Isaac Corporation.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
Offer is for new and approved credit card applicants and is limited to one offer per applicant.
ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $300 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $300 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $300 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you are in default or breached the ANZ Credit Card Conditions of Use (PDF).
The ANZ Platinum Annual Fee will be waived in the first year. In each subsequent year, if Eligible Purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next Annual Fee will be waived. The date Purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last Annual Fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your Annual Fee) and ends on the day your next Annual Fee would be charged. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of Eligible Purchases excluding refunds and reversals in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change.
Standard annual interest rate for ANZ Platinum is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at and is subject to change.
Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders.
ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice.
Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.
Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply. Please visit Cashrewards for further details.
Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF), Fitbit Pay (PDF) and Garmin Pay (PDF).
Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF). Existing customers should review their credit contract for information regarding their account.
The standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at and is subject to change.
The annual fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF).
Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
Eligible applicants must meet the spend criteria within 3 months of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer.
Eligible purchases include purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions, and will not qualify.
The $250 will generally be credited to your credit card account within three months meeting the spend criteria. The $250 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ.
You will not be eligible for the $250 back if your credit card account is cancelled, suspended, transferred, or you are in default or breach of the ANZ Credit Card Conditions of Use (PDF).
Applications for credit are subject to ANZ’s eligibility and credit approval criteria. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice.
Offer available in respect of balance transfers requested from Australian non-ANZ credit and store cards only at the time of applying for the new ANZ credit card. ANZ will process the balance transfer requested and any applicable fees up to 95% of your approved credit limit. Depending on the credit limit we approve, this might be less than the full amount of the amount of balance transfer you request when you apply.
The balance transfer Promotional Plan annual percentage rate expires 28 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 28 months the standard balance transfer annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. The standard balance transfers annual percentage rate is currently for ANZ Low Rate Card, and is subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF).
See the ANZ Credit Card Conditions of Use (PDF) and the ANZ Personal Banking Account Fees and Charges (PDF) for more information about fees and charges. If you transfer to a different credit card account this offer will cease to apply.
The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 3% of the balance transferred and will be applied at the time the balance is transferred and forms part of the Promotional Plan balance.
After the first year an annual fee applies, currently $58. Please see the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Credit Cards Conditions of Use (PDF).
The annual fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at and is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF).
Offer is for new and approved credit card applicants and is limited to one offer per applicant.
ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your ANZ Credit Card Account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $125 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $125 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $125 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached the ANZ Credit Card Conditions of Use (PDF).
After the first year an annual fee applies, currently $30. Please see the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Credit Card Conditions of Use (PDF).
Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF).
Not all transactions (e.g., at ANZ cash advances) get the benefit of interest-free days. Refer to the applicable credit contract for details of which (if any) transactions are eligible for interest-free days.
Compared to if the account holder had paid their Closing Balance in full each month.
The information provided in the Minimum Repayment Warning is provided as a guide only. It provides an estimate of how long it will take an account holder to pay off a credit card Closing Balance for a particular month if the account holder only pays the Minimum Monthly Payment each month. It shows how much interest the account holder could end up paying assuming the account holder makes no new transactions and fees and interest rates do not change.
