ANZ Platinum Credit Card Offer

	ANZ Platinum Credit Card Key Features:
	0% p.a. on purchases and balances transferred for the first 6 months. $0 Annual Fee for the first year, a saving of $87 ($0 Annual Fee in following years if annual spend exceeds $20,000 - average monthly spend of $1,667) Standard Annual Fee of $87. Standard interest rate of 19.39% p.a. on purchases Up to 55 days interest free credit on purchases Overseas Travel and Medical Insurance at no additional cost ANZ Car Rental Cover and Domestic Interstate Flight Inconvenience Insurance Extended Warranty on major personal and household purchases with 90 day Purchase Security Best Price Guarantee on personal goods purchased in Australia ANZ Platinum Concierge 24/7

	Credit Card Application Criteria:
	You must be at least 18 years of age You must have a Good Credit History You must be a Permanent Resident or Australian Citizen You must earn a Minimum Income of $50,000 p.a.

Terms and Conditions - Click here for full details
Terms and conditions apply and are available on application. Fees and charges apply. Approval subject to ANZ's credit assessment criteria.

1. The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the first year. In following years, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next 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. 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.
3. Standard variable interest rate is 19.39% p.a. on purchases and 20.99% p.a. on cash advances as at Friday, 27 April 2012 and is subject to change.
4. Overseas Travel and Medical Insurance is underwritten by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL No. 239545 ("QBE"). Terms and conditions apply. To be eligible for Platinum Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your Platinum card account prior to departing Australia, have a return ticket to Australia within 6 months of departure and be 80 years of age or under. Whilst overseas, we recommend that you carry proof of your overseas travel arrangements purchased on your ANZ Platinum Credit Card.
5. ANZ Car Rental Cover is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035. Terms and conditions apply.
6. Interstate Flight Inconvenience Insurance is underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640. Terms and conditions apply.
7. Extended Warranty and 90-day Purchase Security Insurance are underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640.
8. Best Price Guarantee Scheme is underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640.
9. Flexible payment options are available when a travel related purchase costing more than $500 in a single transaction is made on your ANZ Platinum card from 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. Purchases exclude cash and cash equivalent transactions. To apply to transfer a Qualifying Transaction to a flexible payment option call 13 22 73 after the transaction has posted to your account. This is usually 48 hours from the date you made the Qualifying Transaction. Your application must be made within 30 days of the date you made the Qualifying Transaction. Approval is subject to your accounts being in good order. Total purchases including the Qualifying Transaction cannot exceed your credit limit. ANZ reserves the right to add, change or withdraw flexible payment options at any time without prior notice. ANZ will not be liable to any loss or damage resulting from a delay in the process of receiving and/or approving applications. Your flexible payment option may be cancelled if you are in default or if you transfer to another ANZ credit card account. Any interest accrued between the date of the purchase and the date the amount is transferred to the flexible payment option will be at the standard variable interest rate applicable to purchases on your card account, subject to any available interest free days credit on the card account. Payments will be applied to your account as detailed in your ANZ Credit Cards Conditions of Use. A Qualifying Transaction can only be transferred to a flexible payment option once.
   Instalment Plan: Your Instalment Plan will apply for 6, 12 or 18 months (as applicable) from the next statement date following the date on which your transfer is approved and reverts to the standard variable rate for purchases on your card account after 6, 12 or 18 months (as applicable) from the date the request is processed by ANZ. The approved instalment amount will form part of your minimum monthly card account repayments until your Instalment Plan is paid in full or the Instalment Plan expires..
   Discounted Interest Rate: Any part of the amount transferred to this option that remains unpaid after the 6 month offer period will be subject to the standard variable interest rate applicable to your card. Your standard variable interest rates will continue to apply to all other purchases, cash advances and cash equivalent transactions.
10. Temporary service interruptions may occur.
11. Offer available to new and approved applicants who apply for an ANZ Platinum credit card by 23 April 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The interest-free period commences from the date of approval and applies to purchases and non-ANZ balances transferred to your new credit card. Balance transfers must be completed at the time of applying for or at the time of activating your new credit card. The interest free period excludes cash and cash equivalent transactions, balances transferred from existing ANZ credit cards and account fees. The interest rate reverts to the standard variable rates applicable on your card account after six months. Any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. The Standard variable interest rate for ANZ Platinum is 19.24% p.a. on purchases and 20.99% p.a. on cash advances as at Tuesday, 15 November 2011 and is subject to change. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. Terms and conditions apply to balance transfers (please call 13 22 73 for a copy).