ANZ Rewards Platinum Credit Card: Best for Earning Rewards Points
With this rewards credit card, eligible purchases earn ANZ Reward Points that can be redeemed for gift cards, cashback or participating loyalty programs. Moreover, new cardholders can choose between two bonus points offers, making this ANZ credit card appealing for everyday spending and frequent flyer rewards.
The ANZ Rewards offer provides up to 125,000 bonus points, while the Velocity offer includes up to 80,000 points and $50 back. Both credit card promotions require eligible spending of $3,500 within three months, alongside additional conditions for receiving the full bonus.
Should I get a credit card from ANZ?
ANZ is one of Australia’s major banks, offering credit cards, everyday banking, savings products and digital banking services for different financial needs.
Thanks to ANZ Falcon, this rewards credit card also benefits from 24/7 fraud monitoring, helping identify unusual transactions and protect cardholders.
However, the ANZ Rewards Platinum Credit Card is better suited to customers who regularly repay their balance, given its annual fee and purchase interest rate.
How to get a credit card from ANZ?
To get the ANZ Rewards Platinum Credit Card, you need to:
- Be at least 18 years old.
- Be an Australian or New Zealand citizen, permanent resident, or hold a visa with more than 12 months remaining.
- Have a good credit rating.
- Provide information about your income, expenses, assets and existing financial liabilities.
- Supply acceptable proof of identity.
- Meet ANZ’s credit assessment and approval criteria.
For the introductory credit card bonus offers, applicants must not have held an ANZ Rewards or ANZ Frequent Flyer card within the previous 24 months.
ANZ does not publish a fixed minimum income or numerical credit score requirement for this card, so approval depends on individual assessment.
Apply for credit card
Applying for the ANZ Rewards Platinum Credit Card is straightforward, with an online application process available through ANZ’s official website.
Follow these steps to begin your credit card application:
- Visit the official ANZ Rewards Platinum Credit Card page.
- Review the annual fee, interest rates, rewards program and eligibility conditions.
- Choose between the ANZ Reward Points offer and the Velocity Frequent Flyer Points offer.
- Select the corresponding online application option.
- Enter your personal information and financial details.
- Provide the required identity verification information.
- Review the application details and submit your request.
- Wait for ANZ to assess your application and communicate its decision.
Credit card approval is not guaranteed, and the available credit limit will depend on ANZ’s assessment of your financial circumstances.
FAQ
How does ANZ Rewards Platinum Credit Card interest work?
The ANZ Rewards Platinum Credit Card charges 22.49% p.a. on purchases and 23.49% p.a. on cash advances and standard balance transfers.
However, eligible credit card purchases can receive up to 44 interest-free days when the required statement balance is paid in full by its due date.
How to increase ANZ Rewards Platinum Credit Card limit?
To request a higher credit card limit, contact ANZ and ask about the available credit limit increase process.
Any increase is subject to the bank’s lending criteria, affordability assessment and approval, so a higher limit is not guaranteed.
How to pay off ANZ Rewards Platinum Credit Card?
You can manage your credit card repayments through ANZ’s banking services, including options to arrange automatic payments.
Paying the full required statement balance by the due date helps maintain eligibility for interest-free days on purchases.
How to cancel a credit card from ANZ?
To cancel your ANZ Rewards Platinum Credit Card, contact ANZ or use its available card account closure services.
Before closing your credit card account, check outstanding balances, recurring payments and unused rewards, since cancellation may affect your points.