ANZ CashBack Visa Platinum

Take advantage of CashBack rewards and platinum benefits with the ANZ Cashback Visa Platinum card.

If you have always been under the impression that you need to make a certain amount of money to have a platinum card, this is not the case with the ANZ CashBack Visa Platinum card. You can take advantage of special platinum benefits and unlimited CashBack rewards. The interest rate for purchases sits at 19.95% p.a.

19.95% p.a.

Purchase Rate

$80 p.a.

Annual Fee


Minimum Income


Product NameANZ CashBack Visa Platinum Credit Card
Balance Transfer Limit95%
Purchase rate (p.a.)19.95% p.a.
Annual Fee$80 p.a.
Interest Free PeriodUp to 55 days on purchases
Min credit limit$8,000
Minimum Income$60,000
Card TypeVisa
Late Payment Fee$6
Complimentary Travel InsuranceNo
Available To Temporary ResidentsYes
Joint ApplicationYes

Benefits of the ANZ CashBack Visa Platinum

  • Unlimited CashBack rewards. Spend a minimum of $5,000 every 12 months, and you qualify for CashBack rewards. When you spend between $5,000 and $9,999, you get 0.5% cashback, and if you spend over $10,000, you get 1%. It excludes some purchases types, and ANZ credits the CashBack reward to your card at the end of 12 months, on the anniversary of you joining the programme.
  • Platinum privileges. Platinum cardholders are entitled to benefits such as Visa Concierge, Visa Entertainment Privileges and more.
  • Phone payments. Connect your card to your Google Pay or Apple Pay account for even more convenient shopping.

      Features of the ANZ CashBack Visa Platinum

      • Interest rate. This card comes with an interest rate of 19.95% p.a. on purchases and cash advances.
      • Annual fee. The annual card fee for the ANZ CashBack Visa Platinum is $80, which is charged in full at the start of each year.
      • Interest-free purchases. Get up to 55 days interest-free for purchases. If you pay off your card on time, you aren’t charged interest.
      • Joint and additional cards. If you require an additional card for yourself or a joint card for partner or family member, there is a $10 charge for each card.
      • Visa Zero Liability. Thanks to Visa’s Zero Liability policy, you won’t be held liable for fraudulent transactions on your card if you have reported it lost or stolen and have done nothing to warrant the activity.
      • Manage your card online. With ANZ Internet banking, you can make payments online, report a lost or stolen card, put a temporary block on your card or order a new one.

      How to apply

      If you are ready to apply for an ANZ CashBack Visa Platinum card, you can visit an ANZ branch, call the contact centre, or complete an application online. Ensure that you meet the eligibility criteria outlined below and have the required documents if you are a new customer.

      Eligibility criteria

      • Be at least 18 years of age.
      • Have a regular income.
      • Can meet your credit card repayments after your regular payments and expenses have come out of your account.
      • Be an NZ citizen or permanent resident. If you are a temporary resident, you need to have at least six months left on a student visa and one year on a work visa.

      Required documents

      If you don’t already have bank accounts with ANZ, you need to supply:

      • Valid photo ID
      • Proof of address
      • Three months of bank statements from the account that your income is credited to

      More information or documentation may be required, but ANZ contacts you with the outcome within two working days of applying.

      The bottom line

      If you want more choice in what you spend your “rewards” on, a cashback credit card may be for you. The ANZ Cashback Visa Platinum comes with unlimited Cashback rewards, so there’s no need to worry about spending and not earning. However, the card does come with an $80 annual fee, so you need to ensure any rewards offset this. Take a look at the credit cards below to compare your options carefully.

      Compare other credit cards

      Name Product Purchase Rate Annual fee Balance Transfer Rate
      American Express Airpoints Platinum Card
      19.95% p.a.
      Receive 300 bonus Airpoints Dollars when you apply online, are approved and spend a minimum of $1,500 on your new card within the first 3 months of membership.This offer is available to new Card Members only. Ts&Cs apply. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
      American Express Airpoints Card
      0% for 6 months (changes to 19.95% p.a.)
      Be rewarded with 100 bonus Airpoints Dollars when you apply by 28 February 2022, are approved and sped $750 on your new card within the first 3 months of membership. This offer is available to new Card Members only. Ts&Cs apply.
      American Express Platinum Edge Credit Card
      2.99% for 6 months (changes to 19.95% p.a.)
      Enjoy a low rate on purchases and earn 20,000 Membership Rewards Bonus Points if you apply, are approved and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only. Ts&Cs apply.
      American Express Platinum Card
      Get the new metal Platinum Card, 80,000 Membership Rewards bonus points, up to $300 dining credit and $200 to spend on travel each year. Offer available to new customers who apply online, are approved and spend at least $1,500 in the first 3 months. Exclusions, Ts&Cs apply.
      LOW RATE
      The Co-operative Bank Fair Rate Credit Card
      12.95% p.a.
      0% p.a. for 6 months
      0% p.a. on balance transfers for 6 months, plus benefit from a low rate of 12.95% on both purchases and cash advances.

      Compare up to 4 providers

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