Card Features
Card Issuer
ANZRewards Platinum Credit Card
ANZ Rewards Platinum offers a high earn rate of up to 3 points per $1 spent (American Express Card) which are redeemable on shopping vouchers/gift cards, merchandise and gifts, entertainment packages and frequent flyer points with Virgin Australia, Air New Zealand or Cathay Pacific.
The card also features a Platinum concierge booking service, overseas medical insurance, extended warranties on purchases, 90 day purchase security insurance, best price guarantee scheme, transport accident cover, ANZ car rental cover, Interstate Flight Inconvenience Insurance and ANZ Credit Cover Plus.
Rates & Fees
| Interest Rate | Balance Transfer | Annual Rate | Interest Free |
|---|---|---|---|
| 19.89%p.a. | n/a | $149 | 55 days |
Key Features
- Two cards - Visa and American Express for maximising points earning
- Platinum concierge service
- Overseas medical and travel insurance
- Extended Purchase warranty and purchase security insurance
Pros & Cons
Pros
- Up to 3 points per $1 spent using the AMEX card
- 20,000 bonus reward points special offer
- Relatively low annual fee of $149 for a Platinum card
- Lots of free insurance and warranty perks
- Platinum concierge
- Flyer points transferrable across one of 3 airlines
Cons
- High standard purchase rate of 19.89% p.a.
- High cash advance rate of 20.99% p.a.
Review
Editors Review
A truely feature packed Platinum card with the opportunity to earn 3 to 1 reward points, flyer points for Virgin Australia, Air NZ or Cathay Pacific platinum concierge, lots of free insurance and all for a reasonable annual fee of $149
Similar Cards
| Product Name | Purchases | Balance Transfer | Annual Fee | |
|---|---|---|---|---|
|
|
20.99%p.a | 1.90%12 months | $0 |
Application Criteria
- You must be at least 18 years of age
- You must have a Good Credit History
- You must be a Permanent Resident or Australian Citizen
- You must earn a Minimum Income of $50,000 p.a.
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Terms and conditions apply and are available on application. Fees and charges apply. Approval subject to ANZ's credit assessment criteria.
1. 20,000 bonus point offer only available to new applicants who apply for an ANZ Rewards Platinum credit card by 12 June 2012. 10,000 bonus point offer only available to new applicants who apply for an ANZ Rewards credit card by 12 June 2012. Offers apply only once per new account. Your application must be approved to receive the bonus points and these will be credited to your account within three months of first spend. If you transfer or cancel your new ANZ credit card account before the introductory ANZ Reward points are processed to your account, you may become ineligible for these points. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program Terms and Conditions (PDF 596kB). ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving application.
2. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program Terms and Conditions (PDF 596kB) (please call 13 13 14 for a copy). Purchases exclude cash and cash equivalent transactions. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate on both their ANZ Rewards American Express card and/or ANZ Rewards Visa card. Existing customers should call 13 22 73 for information regarding the Reward Points earn rate that applies to their account.
3. Provided the cardholder didn't contribute to the loss and notified ANZ promptly of the fraud.
4. 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.
5. For ANZ Rewards a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum a Total Annual Fee of $149 applies which includes a $94 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. The Total Annual Fee information displayed on this page applies to new customers only. Existing customers may be subject to a different Total Annual Fee and should call 13 22 73 for information regarding the Total Annual Fee that applies to their account.
6. Standard variable interest rate is 19.89% p.a. on purchases and 20.99% p.a. on cash advances as at Friday, 27 April 2012 and is subject to change.
7. 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.
8. 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.
9. 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).
10. Terms and conditions apply. Please refer to the ANZ Emergency Travel Service