--- title: "ANZ Rewards Platinum — ANZ" description: "Credit & Charge Cards from ANZ. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/anz/products/f60fb83e-bbfb-abe3-07e2-f70acf7e30ca source: "CDR Compare" language: en-AU last_updated: 2026-08-24T13:59:00.000Z --- # ANZ Rewards Platinum — ANZ > Credit & Charge Cards from ANZ. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** Be rewarded for your everyday purchases and access a flexible Rewards program with complimentary insurances (conditions and exclusions apply) and Personal Concierge ## At a glance - **Purchase rate:** 20.99% - **Annual fee:** $94.00 ## Apply Applications are handled by the provider: [Apply at ANZ](https://www.anz.com.au/personal/credit-cards/rewards/platinum/) ## 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% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Account Service Fee — Charged yearly · Annual service fee for the credit card account | Ongoing | $94.00 | | Annual Rewards Program — Charged yearly · Annual service fee for membership of the Rewards program | Ongoing | $55.00 | | Additional Card Holder — Charged yearly · Annual service fee for each additional cardholder | Ongoing | $10.00 | | Additional Cardholder Rewards Program — Charged yearly · Annual service fee for each additional cardholder's membership of the Rewards program | Ongoing | $55.00 | | 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. · Discount −$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. (eligibility: Other: 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 | | Priority Fee — We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority. | Event | $50.00 | | Balance Transfer Fee — We may charge a Balance Transfer Fee on any promotional Balance Transfer offers you accept in the future. Details of the fee will be set out in the terms of the offer. | Event | 3% of transaction | | Instalment Plan Fee — Instalment Plan fees are determined when a customer accepts an instalment plan. | Other | Variable | | Cash Advance Fee — 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. For ANZ Rewards Travel Adventures cards, we won’t charge a Cash Advance Fee on cash withdrawals made from a branch or ATM located outside Australia. · Discount −3% of transaction — For ANZ Rewards Travel Adventures cards, we won’t charge a Cash Advance Fee on cash withdrawals made from a branch or ATM located outside Australia. (eligibility: Other: For ANZ Rewards Travel Adventures cards, we won’t charge a Cash Advance Fee on cash withdrawals made from a branch or ATM located outside Australia.) | Cash advance | 3% of transaction | | Late Payment Fee — 1 · We charge a Late Payment Fee if you don’t pay the “Minimum Monthly Payment” plus any amount “Payable Immediately” shown on your statement by the “Due Date” shown on that statement. Late Payment Fees are not charged if you hold an ANZ Access Basic Account. · Discount −$20.00 — Late Payment Fees are not charged if you hold an ANZ Access Basic Account. (eligibility: Other: Late Payment Fees are not charged if you hold an ANZ Access Basic Account.) | Late payment | $20.00 | ## Features - **Additional cards** — up to 9 (Up to 9 additional cardholders for an annual fee of $65 per additional cardholder.) - **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** — 44 days (Up to 44 days interest free days on purchases) - **Digital wallet** — Apple Pay - **Digital wallet** — Google Pay - **Digital wallet** — Samsung Pay - **Digital wallet** — Fitbit Pay - **Digital wallet** — Garmin Pay - **Digital banking** (Access using ANZ Internet Banking or ANZ App) - **Bill payment (BPAY)** — BPAY - **Loyalty program** — ANZ Rewards Points (Earn 1.5 ANZ Reward Points for every $1 spent up to and including $2,000* Earn 0.5 ANZ Reward Point for every $1 spent over $2,000* *per statement period, eligible purchases only) - **Balance transfers** - **Fraud protection** (ANZ Falcon provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.) - **Instalment plan** (From 2 December 2025, ANZ Instalment Plans will no longer be offered on eligible ANZ Credit Cards. From this date, customers will not be able to set up new ANZ Instalment Plans for eligible credit card purchases or balances. If you have an active ANZ Instalment Plan as of 2 December 2025, it will not be affected by this change. You can continue to view and manage your active ANZ Instalment Plans and make instalment payments via the ANZ App.) - **Bonus rewards** — 125000 (ANZ Reward Points offer Earn up to 125,000 ANZ Reward Points plus $50 back to your new card. Earn 85,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum card when you spend $3,500 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 extra ANZ Reward Points when you keep the card for over 15 months from activation. New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).) - **Cashback offer** — 50 (ANZ Reward Points offer Earn up to 125,000 ANZ Reward Points plus $50 back to your new card. Earn 85,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum card when you spend $3,500 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 extra ANZ Reward Points when you keep the card for over 15 months from activation. New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).) - **Bonus rewards** — 80000 (Velocity Frequent Flyer Points offer Earn up to 80,000 bonus Velocity Points plus $50 back Switch on auto-redemption to transfer your ANZ Reward PointsSuperscript:3 to Velocity Frequent Flyer PointsSuperscript:11 within 3 months from approval and keep on auto-redemption for the relevant period to earn: 60,000 bonus Velocity Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $3,500 on eligible purchases within the first 3 months from approval. Plus, an additional 20,000 bonus Velocity Points when you keep the card for over 15 months from activation. New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). Auto-redemption must be kept on until points for relevant criteria have been made available for redemption.) - **Interest-free transfers** — 18 months (This offer applies to existing ANZ credit cards only. The offer is for a Promotional Plan balance transfer of 0% p.a. for 18 months, with a 3% Balance Transfer Fee. The balance transfer amount will be charged interest at the Promotional Plan annual percentage interest rate from the date the balance transfer is processed. At the end of the Promotional Plan period, the standard annual percentage rate for balance transfers will apply to any unpaid Promotional Plan balance. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. Conditions apply) - **Cashback offer** — 50 (Velocity Frequent Flyer Points offer Earn up to 80,000 bonus Velocity Points plus $50 back Switch on auto-redemption to transfer your ANZ Reward PointsSuperscript:3 to Velocity Frequent Flyer PointsSuperscript:11 within 3 months from approval and keep on auto-redemption for the relevant period to earn: 60,000 bonus Velocity Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $3,500 on eligible purchases within the first 3 months from approval. Plus, an additional 20,000 bonus Velocity Points when you keep the card for over 15 months from activation. New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). Auto-redemption must be kept on until points for relevant criteria have been made available for redemption.) - **Bonus rewards** — 80000 (Earn 80,000 extra ANZ Reward Points when you spend $2,000 on eligible purchases in the first 3 months from approval3, plus $0 annual fee in the first year. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $149 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 credit card.) ## Eligibility - **Minimum age** — 18 years (You 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 - **You are not eligible for this offer if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months and meet all other offer eligibility criteria.** ## Constraints - **Minimum limit** — $6,000.00 ## More information from ANZ - [Overview](https://www.anz.com.au/personal/credit-cards/rewards/platinum?CID=af:obank:cc) - [Terms & conditions](http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:cc) - [Eligibility](https://www.anz.com.au/personal/credit-cards/rewards/platinum/?CID=af:obank:cc#eligibility) - [Fees & pricing](https://www.anz.com.au/personal/credit-cards/rewards/platinum/?CID=af:obank:cc#rates) ## Data provenance - Published by ANZ under the Consumer Data Right - Product ID: `f60fb83e-bbfb-abe3-07e2-f70acf7e30ca` - Last updated by the provider: 24 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/anz/f60fb83e-bbfb-abe3-07e2-f70acf7e30ca - Provider page: https://www.cdrcompare.au/brands/anz - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000006 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/anz/products/f60fb83e-bbfb-abe3-07e2-f70acf7e30ca) — product data published by Australian data holders under the Consumer Data Right. 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