ANZ Rewards Platinum

20.24% p.a.

No current offer

$95

ANZ Rewards

ANZ Rewards Platinum

20.24% p.a.

No current offer

$95

ANZ Rewards

Mozo Review   ANZ Rewards Platinum Review

Last updated: 4 December 2019.

What's hot:
  • Mozo Experts Choice Award winner 2019

  • 100,000 ANZ Reward Points when you spend $2,500 on eligible purchases in the first 3 months

  • Range of premium card benefits

What's not:
  • Late repayment fee

Mozo snapshot:

If you are after a premium rewards card for your premium spending the ANZ Rewards Platinum credit card has a lot to offer, especially considering it was awarded a 2019 Mozo Experts Choice Award for best Premium Card Benefits. Plus once you spend $2,500 on eligible purchases in the first three months, you'll receive 100,000 bonus ANZ Reward Points.

Key features:

With the ANZ Rewards Platinum Card, you'll bag 1.5 ANZ Reward Points per $1 on the first $2,500 you spend each month. After that, the earn rate will drop down to 0.5 per $1.

Reward Points are redeemed through the ANZ reward program. You spend your rewards on a wide range of items from flights, shopping, merchandise and cash back. You can choose to have an additional card holder attached to the account to help you accrue Reward Points faster but this will cost an extra $65.

The annual card fee of $95 and a standard interest rate of 20.24% for purchases but you get up to 55 interest free days. There is a 3% foreign exchange margin on all transactions made overseas whether made in person or online. 

As a premium card you get a number of premium services such as 24/7 concierge, access to eDine (special dining and hotel offers as 2000 establishments), complimentary membership to Visa Entertainment and the ANZ wine club. In fact, the premium benefits offered with the card is why it was awarded a 2018 Mozo Experts Choice award

In addition there are the six complimentary insurances that will cover your lifestyle including international travel insurance, a guaranteed pricing scheme, extended warranty, purchase protection insurance, interstate flight inconvenience and rental vehicle excess insurance (in Australia). 

Keep in mind, eligibility criteria, T&Cs, fees and charges apply.

Who it's good for:

The ANZ Rewards Platinum card is a great rewards choice for people who don't want to be locked into an airline only program for their rewards choices and will get the most out of the annual fee by taking advantage of the travel and entertainment privileges that come standard with the card.

To hold the card, you'll need to be 18 or over, and be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa.


Any catches?

Just be sure to automate your repayments or you'll be up for a $20 late payment fee.

Rewards program details

Rates and fees information correct as at 23 January 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

239,200 points

Fly Sydney to Melbourne one-way

15,600 points

$100 Giftcard

22,225 points

$100 Cash

25,000 points

Points earning

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

Rewards scheme

Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

You can get flights via Velocity, Air New Zealand or KrisFlyer.

Earn bonus points at over 30 bonus partners.

Special offers

Receive 100,000 bonus Reward Points if you spend $2,500 on eligible purchase in the first 3 months.

Value of rewards points

Spend $16,667 (Visa)

Spend $14,817 (Visa)

Spend $10,400 (Visa)

Spend $430,400 (Visa)

Uncapped

36 months

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.24% p.a.

  • none

  • No current offer

  • none

  • 20.24% p.a.

  • 55

Fees
  • $95.00

  • none

  • none

  • $0.00

  • $20.00

  • 2%

  • 3.00%

  • $0.00

  • $0.00

  • $65.00

Features
  • $25.00

  • 2.0

  • 9

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit

Rewards privileges

Concierge,
Commission-free Travellers Cheques,
Extended Warranty,
Purchase Protection,
Guaranteed Pricing Scheme,
International Travel Insurance

Customer Reviews

How are ANZ credit cards rated by the Mozo community?

Overall customer rating
6.7/10

Based on 6123 ANZ credit card reviews

Price
5.7/10
Features
5.9/10
Customer service
6.7/10
Convenience
7.5/10
Trust
6.9/10

Latest reviews of ANZ Rewards Platinum

  • Overall 9/10
    No hidden tricks.

    A product with no hidden tricks. Competitive and well worth it.

    Read full review

    A product with no hidden tricks. Competitive and well worth it.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Dilan, New South Wales reviewed about 2 months ago
  • Overall 10/10
    Customer service was excellent and efficient.

    The process was easy to apply, quick to respond and prompt to act when contacted.

    Read full review

    The process was easy to apply, quick to respond and prompt to act when contacted.

    Price
    -1/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Stewart, New South Wales reviewed about 2 months ago
  • Overall 7/10
    I enjoy the user experience of my banking services

    I'm open to checking out competitors to compare services and fees with other banks, however, I find that ANZ has proven to be quite a pleasure to bank with.

    Read full review

    I'm open to checking out competitors to compare services and fees with other banks, however, I find that ANZ has proven to be quite a pleasure to bank with.

    Price
    7/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    7/10
    Trust
    7/10
    Less
    Flora, New South Wales reviewed 3 months ago
  • Overall 7/10
    Extremely convenient

    Their credit card is easy to use and the conditions are easy to understand.

    Read full review

    Their credit card is easy to use and the conditions are easy to understand.

    Price
    8/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    7/10
    Less
    Matilda, Northern Territory reviewed about 1 year ago
  • Overall 10/10
    Good rewards/points system and security.

    Pro: Secure transactions and prompt notification of any suspicious transactions. Pro:Good reward points.

    Read full review

    Pro: Secure transactions and prompt notification of any suspicious transactions. Pro:Good reward points.

    Price
    10/10
    Features
    10/10
    Customer service
    6/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Anthea, Victoria reviewed about 4 years ago
ANZ

About ANZ

ANZ is one of the largest companies in Australia and New Zealand, with a history that stretches back over 170 years. The bank offers a range of banking and financial products to more than 5.7 million retail customers, including home loans, credit cards and debit cards, personal loans, savings and banking accounts and personal insurance. And now, with its new mobile banking application, ANZ App, it's easier to do banking on the go.

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