ANZ Rewards Platinum

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 21.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Additional Cards Additional Information: Up to 9 additional cardholders for an annual fee of $65 per additional cardholder.

• Insurance

• Insurance

• Insurance

• Insurance

• Insurance

• Interest Free Additional Information: Up to 55 days interest free days on purchases

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Banking Additional Information: Access using ANZ Internet Banking or ANZ App

• Bill Payment

• Loyalty Program Additional Information: 1.5 Reward Points per $1 spent on eligible purchases up to and including $2,000 per statement period. 0.5 Reward Point per $1 spent on eligible purchases above $2,000 per statement period.

• Balance Transfers

• Fraud Protection Additional Information: The product includes fraud protection features.

• Cashback Offer Additional Information: ANZ has teamed up with Australia’s leading cashback program Cashrewards. Join Cashrewards for free to access cashback offers from more than 2,000 popular retailers and get more for your money!

• Instalment Plan

• Bonus Rewards Additional Information: Earn an extra 85,000 ANZ Rewards Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval. Plus earn, an additional 40,000 points when you keep the card for over 15 months from activation. T&Cs, eligibility criteria, fees & charges apply (annual fee: $149).

• Cashback Offer Additional Information: Switch on auto-redemption to transfer your ANZ Reward Points to Velocity Points within 3 months from approval and keep it on to earn 1) 60,000 bonus Velocity Points and $50 back to your new ANZ Rewards Platinum card when you spend $3,500 on eligible purchases within the first 3 months from approval; and 2) an additional 20,000 bonus Velocity Points when you keep the card for over 15 months from activation. T&Cs, eligibility criteria, fees & charges apply (annual fee, currently $149). Auto-redemption must be kept on until points for relevant criteria have been made available for redemption.

• Bonus Rewards Additional Information: Earn 80,000 extra ANZ Reward Points when you spend $2,000 on eligible purchases in the first 3 months from approval, plus $0 annual fee in the first year. T&Cs, eligibility criteria, fees and charges apply. The offer is available to new ANZ home loan applicants who apply for a new ANZ credit card and new ANZ Home Loan in the one application and are approved for that new ANZ credit card.

• Bonus Rewards Additional Information: Earn up to 80,000 bonus Velocity Points and $50 back with a new ANZ Rewards Platinum card. Take up a new ANZ Rewards Platinum credit card and switch on auto-redemption to transfer your ANZ Rewards Points to Velocity Frequent Flyer Points within 3 months from approval and keep on auto-redemption for the relevant period to earn: 60,000 bonus Velocity Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval. Plus an additional 20,000 bonus Velocity Points when you keep the card for over 15 months from activation. New card, T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149) . Auto-redemption must be kept on until points for relevant criteria have been made available for redemption.

• Interest Free Transfers Additional Information: This offer applies to existing ANZ credit cards only. The offer is for a Promotional Plan balance transfer of 0% p.a. for 18 months, with a 3% Balance Transfer Fee. The balance transfer amount will be charged interest at the Promotional Plan annual percentage interest rate from the date the balance transfer is processed. At the end of the Promotional Plan period, the standard annual percentage rate for balance transfers will apply to any unpaid Promotional Plan balance. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. Conditions apply

• Cashback Offer Additional Information: Earn an extra 85,000 ANZ Rewards Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval. Plus earn, and additional 40,000 points when you keep the card for over 15 months from activation. T&Cs, eligibility criteria, fees & charges apply (annual fee: $149).

 Product Eligibility

• Min Age - 18. Additional Information: You must be 18 years of age or older to apply

• Residency Status - Australian Citizen, Australian Permanent Resident, New Zealand Citizen Or Have More Than 9 Months Left On A Valid Working Visa, Student Visa, Business Visa Or Investor Visa.

• Other Additional Information: 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.

 Bank Fees and Charges

• Account Service (Periodic), Amount: 94.00. Additional Information: Annual service fee for the credit card account

• Annual Rewards Program (Periodic), Amount: 55.00. Additional Information: Annual service fee for membership of the Rewards program

• Additional Card Holder (Periodic), Amount: 10.00. Additional Information: Annual service fee for each additional cardholder

• Additional Cardholder Rewards Program (Periodic), Amount: 55.00. Additional Information: Annual service fee for each additional cardholder's membership of the Rewards program

• Cash Advance (Withdrawal), Amount: Not Listed.. Additional Information: 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 are Cash Advances are described in ANZ’s Credit Cards Conditions of Use. We charge a 3% fee, subject to: • a maximum fee of $20; and • a minimum fee of $3. See your letter of offer for details as to how we calculate the fee. P1Y

• Overseas Transaction Fee (Purchase), Amount: Not Listed.. Additional Information: P1Y

• Late Payment (Event), Amount: 20.00. Additional Information: P1Y

• Over Limit (Event), Amount: 20.00. Additional Information: P1Y

• Instalment Plan Fee (Variable), Amount: 0.00. Additional Information: Instalment Plan fees are determined when a customer accepts an instalment plan.

• Balance Transfer Fee (Variable), Amount: 0.03. Additional Information: A Balance Transfer Fee may be charged when a customer does a balance transfer.

• Priority Fee (Event), Amount: 50.00. Additional Information: We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority.

 Limitations & Restrictions (Constraints)

• Min Limit of 6000.00