ANZPlatinum Visa Credit Card

Terms and Conditions

Terms and conditions are available on application. Fees and charges apply. All applications for credit are subject to ANZ's credit assessment criteria.

1. The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the first year. In each subsequent year, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. Eligible Purchases must be made in the year prior to your next Fee Date. Your Fee Date is the date that your account is assessed for charging an Annual Fee. If your account has not previously been charged an Annual Fee then for the purpose of determining your eligibility for the waiver, your Fee Date is the first date that your account is assessed for charging an Annual Fee. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of Eligible Purchases in the year prior to your Fee Date the Annual Fee will be charged to your account. If you are a member of the Sphere Rewards Program your Rewards Program Services Fee will continue to apply regardless of your annual Eligible Purchases spend.

2. Flexible payment options are available for domestic or overseas purchase transactions of $500 AUD or more made using your ANZ Platinum account at an Eligible Merchant (Qualifying Transaction). An Eligible Merchant is any travel agent, online travel booking sites, airline or hotel, or any merchant ANZ advises as being an Eligible Merchant for the purposes of determining whether flexible payment offers are available.
For more information visit ANZ Platinum Travel Benefits.

3. Overseas Travel and Medical Insurance is underwritten by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL No. 239545 (QBE). Terms and conditions apply. To be eligible for Platinum Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your Platinum card account prior to departing Australia, have a return ticket to Australia within 6 months of departure and be 80 years of age or under. Please refer to the ANZ Platinum Cards Insurance booklet (PDF 1.37MB) for terms and conditions. Whilst overseas, we recommend that you carry proof of your overseas travel arrangements purchased on your ANZ Platinum Credit Card.

4. ANZ Car Rental Cover is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035. Terms and conditions apply. Please refer to the ANZ Platinum Cards Insurance booklet (PDF 1.37MB).

5. Extended Warranty and 90-day Purchase Security Insurance are underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640. Full policy information is provided in the ANZ Platinum Cards Insurance booklet (PDF 1.37MB) or can be obtained at anz.com or by calling 13 22 73.

6. Transport Accident Cover is underwritten by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL No. 239545 (QBE). To be eligible for this cover, you have paid for the full cost of this transportation using your Platinum card account. Please refer to the ANZ Platinum Cards Insurance booklet (PDF 1.37MB) for terms and conditions.

7. Standard variable interest rate is 19.24% p.a. on purchases and 20.99% p.a. on cash advances as at Tuesday, 15 November 2011 and is subject to change.

8. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use.

9. Terms and conditions apply. Please refer to the ANZ Emergency Travel Service