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$450 back and $0 annual fee in the first year with the ANZ Platinum credit card
Card Overview
As a new cardholder, earn $450 back with the ANZ Platinum credit card when you spend $4,500 on eligible purchases in the first 4 months from approval. Includes complimentary shopping and travel insurance. New Card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $87 thereafter)
Key Attributes
$450 back to your new card, when you spend $4,500 or more on eligible purchases in the first 4 months from approval
Complimentary shopping and travel insurances
Apple Pay, Google Pay & Samsung Pay support
Annual Fee: $0 in the first year, $87 p.a.
Offer available to new and approved applicants who apply for an ANZ Platinum credit card. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. If you transfer to a different Credit Card Account this offer will cease to apply. This offer applies only once per eligible customer.
The ANZ Platinum credit card comes with a low annual fee (waived in the first year) and complimentary insurances, but keep in mind this card doesn’t earn any frequent flyer or rewards points. It is marketed by ANZ as a ‘simple everyday credit card’, but it still offers a reasonable set of perks.
Promotion: $450 back and a $0 annual fee in the first year with the ANZ Platinum credit card
Apply for a new ANZ Platinum credit card and enjoy:
$450 back to your new card when you spend $4,500 on eligible purchases in the first 4 months from approval.
$0 annual fee in the first year (normally $87). Ongoing annual fee is waived in future years if you spend $20,000 on the card in the previous 12 months.
Eligible purchases cover most transactions, with the normal exclusions of fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming. New card. T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $87 thereafter).
Card Details: ANZ Platinum credit card
Card
ANZ Platinum credit card
Loyalty program
N/A
Points earned from spend
N/A
International transaction fee
3.5%
Minimum Income
Unspecified
Mobile Wallet
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
Annual fee
$0 for the first year; $87 in subsequent years unless you spend $20,000 on eligible transactions within 12 months.
Effective Frequent Flyer Program Point Earn Rates
This is not a rewards credit card, so no points are earned on transactions. However, it comes with Visa Entertainment perks and offers including discounts at retailers.
Complimentary shopping and travel insurance included
The main feature of the ANZ Platinum credit card is the whole suite of insurances that are included, which covers your travel and shopping. You can read all the fine print here.
Travel Insurance
The ANZ Platinum card offers complimentary International Travel Insurance, Domestic Travel Insurance and Rental Excess Vehicle Insurance in Australia. Full details including benefits and limits are set out in the PDS.
To be eligible for international travel insurance, you need to have booked a return ticket from Australia and spent at least $250 of prepaid travel costs (e.g. flights, accommodation) on your ANZ Platinum Card.
Coverage is also extended to your spouse or dependents (i.e. children) if they also have a return ticket from Australia before travelling, and they’ll be with you for at least 50% of the trip.
Shopping Insurance
Although you won’t earn points when buying things on your ANZ Platinum card, you do get some protection.
With purchase protection, if your new item is lost, stolen or permanently damaged within 90 days of purchase, then ANZ will fully reimburse you the cost provided you reported the loss to the appropriate authorities and fulfilled other set criteria in the PDS.
The extended warranty scheme gives you up to one extra year of warranty cover on your new products, if they break down after the usual manufacturer’s warranty period has expired.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Apple Pay, Google Pay and Samsung Pay support with ANZ
ANZ cards support Apple Pay, Google Pay and Samsung Pay, meaning you can use their cards on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Summing up: ANZ Platinum credit card
The ANZ Platinum credit card is for those who are really trying to minimise outgoings in fees, but still get some benefits from their card. Be aware that international transactions will incur a 3.5% fee and the interest rate on purchases, cash advances and balance transfers are also quite high.
The included insurances are fairly comprehensive, but there are lots of exclusions and clauses that you should be reading in the PDS before deciding whether they are suitable for you.
* Originally written by Evin Tan Khiew.
$450 back and $0 annual fee in the first year with the ANZ Platinum credit card was last modified: November 25th, 2025 by
Community Comments
Hi,
I signed up to the following deal last month ($350 gift card) with approval from ANZ now finalised.
I can’t find any further information on your website/ANZ’s website on how to claim this – can you help clarify how I can receive the $350, not $250 gift card from you?
Thanks
Sept offer
ANZ Platinum Visa Card: Bonus $350 Digital Gift Card after $1,500 Spend in 3 Months, $0 First Year Fee (Then $87) @ Point Hacks
Is the ending of the $350 gift card offer (end of Sept) inclusive of the $1500 spend requirement in 3 months?
Do I need to get to the $1500 spend requirement prior to end of offer?
Hi,
I signed up to the following deal last month ($350 gift card) with approval from ANZ now finalised.
I can’t find any further information on your website/ANZ’s website on how to claim this – can you help clarify how I can receive the $350, not $250 gift card from you?
Thanks
Sept offer
ANZ Platinum Visa Card: Bonus $350 Digital Gift Card after $1,500 Spend in 3 Months, $0 First Year Fee (Then $87) @ Point Hacks
Hi Daniel! Great article Daniel & Evin.
Question if you dont mind.
Does hold the ANZ frequent flyer black card affect eligibility for this?
Thank you!!
Would holding the ANZ frequent flyer or rewards card in the last 12 months affect the gift card eligibility?
Is the ending of the $350 gift card offer (end of Sept) inclusive of the $1500 spend requirement in 3 months?
Do I need to get to the $1500 spend requirement prior to end of offer?
Like all similar offers it will be from 3 months from card approval.