There is also the peace of mind that comes with a useful range of Platinum Cards insurances at no additional cost including:

• Rental excess cover⁴
• 90-day Purchase Security Insurance⁵
• Extended Warranty⁵
• Interstate Flight Inconvenience Insurance⁶

For current ANZ Gold product information please see below. 

View ANZ terms, conditions, fees and charges

1. If you make eligible purchases of $20,000 or more annually using your ANZ Platinum account your next annual account fee (“annual fee”) will be waived. Eligible purchases must be made in the year prior to your next fee date. Your fee date is the date that your account is assessed for charging an annual fee. If your account has not previously been charged an annual fee then for the purpose of determining your eligibility for the waiver, your fee date is the first date that your account is assessed for charging an annual fee. Eligible purchases includes purchases made using your account, but excludes balance transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of eligible purchases in the year prior to your fee date the annual fee will be charged to your account. If you are a member of the Sphere Rewards Program your Rewards Program services fee will continue to apply regardless of your annual eligible purchases spend.

2. Flexible payment options are available for domestic or overseas purchase transactions of $500 AUD or more made using your ANZ Platinum account at an eligible merchant (“Qualifying Transaction”). An Eligible merchant is any travel agent, online travel booking sites, airline or hotel, or any merchant ANZ advises as being an eligible merchant for the purposes of determining whether flexible payment offers are available. For more information visit ANZ Platinum Travel Benefits.

3. Overseas travel and medical insurance Master Policy is underwritten by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL No. 239545. Terms, conditions, eligibility criteria, limits and exclusions apply. To activate cover under the overseas travel and medical insurance Master Policy, you must meet the eligibility criteria: you must be a permanent resident of Australia, have debited at least $250 worth of eligible overseas travel arrangements to your Platinum card account prior to departing Australia, have a current Platinum card account at the date of any claimable event, have a return ticket to Australia and be 80 years of age or under. Please refer to the ANZ Platinum Cards Insurance booklet (PDF 680kB) - Part 1 QBE Product Disclosure Statement and policy wordings for more information and to decide whether or not this product is right for you. While overseas, we recommend that you carry proof of your overseas travel arrangements purchased on your Platinum Credit Card.

4. Rental excess cover Master Policy is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL No. 239545. To activate cover under the Rental excess cover Master Policy you must continue to be a current Platinum cardholder. Terms, conditions, limits and exclusions apply. Please refer to the ANZ Platinum Cards Insurance booklet (PDF 680kB) - Part 1 QBE Product Disclosure Statement and policy wordings for more information and to decide whether or not this product is right for you.

5. Extended Warranty and 90-day Purchase Security Insurance is underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Terms and conditions apply to the cover provided. For more information refer to the ANZ Platinum Cards Insurance booklet (PDF 680kB) – Part 2 Zurich Policy Wordings.

6. Transport accident cover Master Policy is underwritten by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL No. 239545 (“QBE”). To activate cover under the Transport accident cover Master Policy you must continue to be a Platinum cardholder; and have charged the full cost of any trip to the Platinum card account. Please refer to ANZ Platinum Cards Insurance booklet (PDF 680kB) - Part 1 QBE Product Disclosure Statement and policy wordings for more information and to decide whether or not this product is right for you.

7. Standard variable interest rate is (View current rates) on purchases and (View current rates) on cash advances as at (View current rates) and is subject to change.

8. 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.

9. Terms and conditions apply. Please refer to the ANZ Emergency Travel Service & Platinum Concierge Terms and Conditions (PDF 130kB) for further information.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon™ is a trademark of Fair Isaac Corporation.

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