ANZ Rewards Platinum Credit Card

	ANZ Rewards Platinum Credit Card Key Features:
	Receive 20,000 Bonus Reward Points. Offer ends 12 June 2012. Interest rate of 19.89% p.a. on purchases and 20.99% p.a. on cash advances Up to 55 interest free days on purchases1 Annual Card Fee of $149 (includes $55 ANZ rewards fee) Earn 3 Reward Points1 for every $1 spent on purchases2 using the ANZ Rewards Platinum American Express card. Earn 1.5 Reward Points1 for every $1 spent on purchases2 using your ANZ Rewards Visa Platinum card. No points capping and redeem your reward points automatically for select rewards by setting up an auto-redemption Redeem points for a huge selection of rewards including Shopping Vouchers, Gift Cards, Merchandise, Travel Options and much, much more. Overseas travel and medical insurance3 Flexibility to add up to nine additional cardholders to your account. Purchases by additional cardholders can also earn Reward Points* that are credited to the account holder. Reward Points*can be earned on purchases anywhere American Express or Visa are accepted around the world.

	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
1. 20,000 bonus point offer only available to new and approved applicants who apply for an ANZ Rewards Platinum credit card by 12 June 2012. 10,000 bonus point offer only available to new and approved applicants who apply for an ANZ Rewards credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. Offers apply only once per new account. Your application must be approved to receive the bonus points and these will be credited to your account within three months of first spend. If you transfer or cancel your new ANZ credit card account before the introductory ANZ Reward points are processed to your account, you may become ineligible for these points. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program Terms and Conditions (PDF 596kB). ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving application.

2. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program Terms and Conditions (PDF 596kB) (please call 13 13 14 for a copy). Purchases exclude cash and cash equivalent transactions. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate on both their ANZ Rewards American Express card and/or ANZ Rewards Visa card. Existing customers should call 13 22 73 for information regarding the Reward Points earn rate that applies to their account.

3. Provided the cardholder didn't contribute to the loss and notified ANZ promptly of the fraud.

4. 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.

5. For ANZ Rewards a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum a Total Annual Fee of $149 applies which includes a $94 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. The Total Annual Fee information displayed on this page applies to new customers only. Existing customers may be subject to a different Total Annual Fee and should call 13 22 73 for information regarding the Total Annual Fee that applies to their account.

6. Standard variable interest rate is 19.89% p.a. on purchases and 20.99% p.a. on cash advances as at Friday, 27 April 2012 and is subject to change.

7. 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. Please refer to the ANZ Platinum Cards Insurance booklet (PDF 1.37MB) for terms and conditions. Whilst overseas, we recommend that you carry proof of your overseas travel arrangements purchased on your ANZ Platinum Credit Card.

8. Extended Warranty and 90-day Purchase Security Insurance are underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640. Full policy information is provided in the ANZ Platinum Cards Insurance booklet (PDF 1.37MB) or can be obtained at anz.com or by calling 13 22 73.

9. ANZ Car Rental Cover is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035. Terms and conditions apply. Please refer to the ANZ Platinum Cards Insurance booklet (PDF 1.37MB).

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

American Express is a registered trademark of American Express. The ANZ Rewards American Express card is issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express.

ANZ Rewards Platinum was judged Best Reward Credit Card in 2012 by Money magazine.
ANZ Rewards Platinum was awarded 5 stars by CANSTAR in the categories of 'General Rewards', 'Cash Rewards', and 'Frequent Flyer' in December 2011.
ANZ Rewards was awarded 5 stars by CANSTAR in the category of 'Cash Rewards' in December 2011.

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