The Finance Algorithm
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ANZ Rewards Platinum

Be rewarded for your everyday purchases and access a flexible Rewards program with complimentary insurances (conditions and exclusions apply) and Personal Concierge

Credit cardsBank updated 28 Oct 2026
Apply at ANZ ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
22.49%
Cash advance
23.49%
Interest-free days
44
Annual fee
$94
Foreign transaction fee
3.50%
Rewards
ANZ Rewards Points
Balance transfer
0.00% for 18 mo
ANZ Rewards Platinum

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 22.49%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers22.49%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions50th lowest of 51
Rewards cardOngoing purchase rate on a card that earns points22.49%12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card20.99%of 25 institutions18th lowest of 25, level with 2 others
Interest-free daysDays without interest on purchases when the balance is paid in full44 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions37th longest of 42, level with 4 others

Rates

Every rate ANZ publishes for this credit card, 4 in all.

TypeApplies toTermBandRateComparisonConditions
Balance transferRates are subject to change---23.49%--
Balance transferBalance Transfer rate for an 18-month promotional period on transfers from non-ANZ store or credit cards to your existing ANZ credit card with a 3% Balance Transfer Fee Offer applies to any existing…-18 mo intro-0.00%--
Cash advanceRates 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.---23.49%--
PurchaseRates are subject to change---22.49%--

Rate changes

3 changes logged, newest first.

DateRateWasNowChange
29 Sept 2026Balance transfer21.99%23.49%up 1.50
29 Sept 2026Cash advance21.99%23.49%up 1.50
29 Sept 2026Purchase20.99%22.49%up 1.50

Each change is logged the night it appears in the rates ANZ publishes. See how every lender answered the RBA on the rate tracker.

Fees

11 fees published, grouped by when they're charged.

While you hold it4

  • Account Service Fee

    Annual service fee for the credit card account

    $94 a year
  • Additional Card Holder

    Annual service fee for each additional cardholder

    $10 a year
  • Additional Cardholder Rewards Program

    Annual service fee for each additional cardholder's membership of the Rewards program

    $55 a year
  • Annual Rewards Program

    Annual service fee for membership of the Rewards program

    $55 a year

When you make a transaction2

  • 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 a…

    3.50% of transaction
  • 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 Cas…

    3.50% of transaction

If a payment is late or fails1

  • Late Payment Fee

    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… Late Payment Fees are not charged if you hold an ANZ Access Basic Account.

    $20 1 days after it's due

When particular things happen3

  • 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.

    3.00% 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 befo… The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account.

    $20
  • Priority Fee

    We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority.

    $50

Other fees1

  • Instalment Plan Fee

    Instalment Plan fees are determined when a customer accepts an instalment plan.

    Varies

Features

Digital bankingFraud protectionInstalment plans44 interest-free days9 additional cardsApple PayGoogle PaySamsung PayFitbit PayGarmin PayANZ Rewards PointsInternational Travel InsuranceDomestic Travel InsuranceRental Vehicle Excess in Australia InsuranceExtended Warranty InsurancePurchase Protection Insurance

Eligibility and limits

  • Minimum age 18
  • Residency: be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa
  • Amount from $6,000, no maximum
  • 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.

Published by ANZ under the Consumer Data Right, last changed by them on 28 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.