ANZ Platinum

Credit & Charge CardsData Sharing Status

Our low fee, platinum credit card with complimentary insurances (conditions and exclusions apply)

Interest Rates

Type	Rate	Comparison	Applies To
Purchase Rates are subject to change	20.99%	—	—
Cash advance 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.	21.99%	—	—

Fee	Type	Amount
Account Service Charged yearly · $0 annual fee in the first year, currently $87 thereafter. Annual fee waived each year if you spend $20,000 or more on eligible purchases (less refunds or reversals) −$87.00 — Annual fee waived each year if you spend $20,000 or more on eligible purchases (less refunds or reversals)	Ongoing	$87.00
Overseas Transaction Fee We charge 3.5% of any overseas transaction using your ANZ Credit Card. The amount on which the fee is charged may include fees and other charges related to the overseas transaction (excluding any Cash Advance Fee that may be charged). Overseas Transaction Fees are not charged on ANZ Rewards Travel Adventures Credit Cards. See your letter of offer for details (including how we calculate the fee and when it applies)	Purchase	3.5% of transaction
Overlimit Fee We charge an Overlimit Fee if: • we allow you to exceed your credit limit so that a debit can be processed; and • you have consented to being charged the Overlimit Fee (or if your account was opened before 18 June 2012, you have not opted out of the overlimit fee, or if you have opted out, you have since consented), and have not withdrawn that consent, at the time we allow the overlimit. The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account −$20.00 — The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account.	Event	$20.00

Additional cards — up to 9: Up to 9 additional cardholders (at no additional cost).
Insurance included — International Travel Insurance
Insurance included — Domestic Travel Insurance
Insurance included — Rental Vehicle Excess in Australia Insurance
Insurance included — Extended Warranty Insurance
Insurance included — Purchase Protection Insurance
Interest-free period — 55 days: Up to 55 days interest free days on purchases

Minimum age — 18 yearsYou must be 18 years of age or older to apply
Residency status — be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa

Published by ANZ under the Consumer Data Right · Last updated 22 May 2026 · Product ID 4cfce209-2f9c-e506-0dd6-7de6bd04e6d6 · View on CDR.gov.au