Cashback Platinum

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The credit card that earns uncapped cash rewards with Platinum benefits

This card could be for you if:

  • You want to earn uncapped cash rewards
  • You travel overseas and would benefit from Overseas Travel Insurance^
  • You use your credit card for all your everyday spend
  • SPECIAL OFFER: Get $0 annual fee for the first 12 months on all new ANZ credit cards.**
  • Earn 1 CashBack point for every $1 you spend on eligible purchases*.
  • The CashBack reward is calculated with two earning tiers in place - 0.5% for Annual Spend $5,000-$9,999; 1% for Annual Spend $10,000+.
  • A minimum spend of $5,000 per year is required to qualify for a CashBack Reward.
  • The CashBack year runs from the date of the first purchase transaction for a 12 month period and your cash reward will be automatically paid into your credit card account.
  • Get Overseas Travel Insurance when you pay for at least half of your pre-paid travel expenses with your card^.

Platinum features:

Standard ANZ credit card benefits:

  • Flexible payment options - pay via online or phone banking 24/7, set up an automatic or direct debit payment, pay at any ANZ ATM or visit us in branch.
  • Set up regular payments (like your power bill or gym membership) from your ANZ credit card.
  • Enjoy contactless payments - simply tap your card on the terminal when instructed. You can also pay using your compatible device with Apple Pay1 or goMoney Wallet2 (for personal ANZ Visa credit cards only) anywhere you can tap and pay. For purchases over $80 you will need to enter your PIN. As the card never leaves your hands, it’s the quick and secure way to pay for purchases..


Interest rate on purchases
Interest rate on cash advances
Interest free days on purchases
Up to 55 days
Annual fee
$125 p.a.
(charged in full once a year)
SPECIAL OFFER: Get $0 annual fee for the first 12 months on all new ANZ credit cards.1
Joint or additional card
$30 p.a.
(charged in full once a year)

CashBacks reward you for eligible purchases* you make with your
ANZ CashBack Platinum card, by automatically crediting your cash reward to your credit card account once per year, on the statement following the anniversary of your first purchase on your CashBack card.

CashBack Rewards have two earning rates, so your reward depends on your level of annual spend.

Annual spend Reward rate
$5,000 - $9,999 0.5%
$10,000+ 1.0%

For example:
Spend $5,000 on eligible purchases within 12 months and your CashBack Reward is 0.5% of $5,000 = $25

Spend $60,000 on eligible purchases within 12 months and your CashBack Reward is 1% of $60,000 = $600

Cash advances and the purchase of cash substitutes (e.g. travellers' cheques), gambling transactions and business related expenditure will not qualify as eligible purchases for a CashBack Reward.

For full details see the ANZ CashBack card guide and ANZ Conditions of Use available from any ANZ branch.

You can apply online, call us on 0800 269 277 (8am-7pm, Monday to Friday and 9am-4pm on Saturday) or visit your nearest ANZ branch.

If you don't currently bank with ANZ, you'll need to provide:

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** Offer available for a limited time. After 12 months the standard annual fee will apply. Offer available for all new and approved ANZ credit card customers who open a new ANZ credit card. Transfers from existing ANZ credit cards will not be eligible for this offer. Offer is only available once per customer (not available on multiple cards). Offer not available for existing commercial card relationships. All other fees will still apply.  

* Eligible purchases do not include cash advances, balance transfers and the purchase of cash substitutes (such as travellers cheques), gambling transactions, or business related expenditure.

^ Terms, conditions, exclusions (such as age limitations) and eligibility criteria apply to Overseas Travel Insurance. A copy of the terms and conditions that apply to Overseas Travel Insurance are on the ANZ Travel Insurance site, or ask for a copy at any ANZ branch. Overseas Travel Insurance is issued/insured by AIG Insurance New Zealand Limited. 

1Terms and conditions apply to Apple Pay, see for more information.

2Android™ and Google Play are registered trademarks of Google Inc. ANZ goMoney Wallet eligibility criteria, terms and conditions apply. See for more information.

Interest rates are subject to change. Lending criteria, terms, conditions and fees apply. See Terms and Conditions for more information.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

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