ANZ Rewards Platinum
$149 first year annual fee
85,000 points
$6,000 min limit
1.50 points per dollar
Spend $3,500 in 90 days
Summary
Mid-Tier
Key Highlights
- • 85,000 bonus points
- • $149 annual fee
- • 1.50x points per $1
Offer Details
Signup Bonus
85,000 points
ANZ
Minimum Spend
$3,500
within 3 months
Cash Bonus
$50Cashback
Ongoing Earn Rate
1.50x points per $1 spent
Second Year Bonus
40,000 points
With $149 annual fee
Fees
First Year Annual Fee
$149
Ongoing Annual Fee
$149
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
Travel Insurance
Complimentary travel insurance including cover for rental vehicle excess in Australia when travel is purchased using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Purchase Protection Insurance
Complimentary Purchase Protection Insurance available when purchases are made using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Extended Warranty Insurance
Complimentary Extended Warranty Insurance available on purchases made using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Buy Now Pay Later
ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.
Concierge Service
24/7 personal concierge service for domestic and international restaurant or hotel bookings, gift ideas, travel recommendations, and more. Contact via phone.
Balance Transfer Offers
Balance transfer facility available to transfer outstanding balances from non-ANZ credit or store cards to consolidate debts into one repayment. Conditions apply.
Shopping Benefits
Earn cashback plus ANZ Rewards Points from over 2,000 retailers when shopping through Cashrewards. Membership and terms apply.
Digital Wallet Integration
ANZ credit card is compatible with digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay. Digital cards are available for faster replacement.
Expert Analysis
Bonus Difficulty
Easy
●○○$39 per day required
First Year Cost
$149
annual fee
Earn Rate
Good
●●●○1.50x ANZ points per $1
RWRDS Insight
This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.
I'd like to use my 90,250 bonus points for:
History
23/09/2025
4 changes
Successfully Scraped At:
23/09/202515/10/2025
Bonus:
100,00085,000
Second Year Bonus:
040,000
Spend For Bonus:
2,0003,500
22/03/2025
4 changes
Successfully Scraped At:
23/09/2025
Annual Fee:
$94$149
Program Fee:
$55
Second Year Annual Fee:
$94$149
22/01/2025
2 changes
Interest Rate:
2020.99
Bonus Cash Description:
Credit on cardCashback
- Bonus changed from 80K to 100Ka year ago
- Annual Fee from $95 to $94, Second Year Annual Fee from 95 to 94, Program fee added $552 years ago
- Bonus increased from 50k to 90k and $50 credit added, spend increased from $1500 to $20003 years ago
- First year annual fee increased from $0 to $953 years ago
- Bonus decreased from a $500 gift card to 50,000 points. Overall profit reduced from $500 to $220.4 years ago
