ANZ

Compare ANZ credit cards from a bank renowned for its heritage and global reach, ranking among Australia's top four and the world's top 50 banks.

ANZ credit cards

ANZ Low Rate Credit Card

Not available for application via this website

ANZ Low Rate Credit Card

3.0

Balance transfer

26 months at 0% p.a.

Purchase rate

13.74% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Details

  • 0% p.a. for 26 months on balance transfers with a 3% balance transfer fee (then reverts to 21.99% p.a.) Terms and Conditions apply.
  • The first-year annual fee is waived, saving you $58 upfront
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.

Pros & cons

Pros
  • Long 0% balance transfer period to tackle existing debt.
  • Get a continuous low rate of 13.74% p.a. on purchases.
  • You can add up to 3 additional cardholders at no extra cost.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • There is a 3% BT fee.
  • No rewards program, which is expected for a low-rate card focused on affordability
  • No purchase or travel insurance is included.

ANZ Rewards Black Credit Card

Not available for application via this website

ANZ Rewards Black Credit Card

3.7

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$375.00 p.a. ongoing

Details

  • Earn up to 160,000 ANZ Reward Points and $100 cashback. Get 110,000 points for spending $3,000 in the first 3 months, plus 50,000 bonus points after 15 months.
  • Earn 2 Reward Points for every $1 spent on eligible purchases, up to $5,000 per statement period. After that, earn 1 Reward Point per $1 spent.
  • Comes with complimentary International Travel Insurance.

Pros & cons

Pros
  • Receive up to 160,000 bonus ANZ Rewards points and $100 cashback when you meet the criteria.
  • The 160,000 ANZ Rewards points can be redeemed for an $700 digital gift card, $640 cashback, or transferred to airline partners like Velocity or KrisFlyer.
  • There is no cap on the number of points you can earn.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit of $15,000 gives you a higher spending capacity.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • The earn rate drops from 2 points to 1 point per $1 after spending $5,000 in a statement period.
  • The $375 p.a. annual fee.
  • Doesn't come with lounge access.
  • No introductory balance transfer offer.
ANZ Rewards Platinum Credit Card

Not available for application via this website

ANZ Rewards Platinum Credit Card

4.6

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$149.00 p.a. ongoing

Details

  • Receive 100,000 bonus Reward Points and $50 cashback upon spending $2,000 on eligible purchases within 3 months after approval. Terms and Conditions apply.
  • Comes with complimentary insurance covers, including International Travel Insurance and Purchase Protection Insurance.
  • Earn ANZ Rewards Points on your everyday purchases.

Pros & cons

Pros
  • Earn 100,000 bonus Reward Points and a $50 cashback when you meet the criteria.
  • The 100,000 ANZ Rewards points can be redeemed for a $440 digital gift card, $400 cashback, or transferred to airline partners like Velocity or KrisFlyer.
  • Earn 1.5 points per $1 spent up to $2,000 per statement period.
  • No cap on the total number of points you can earn.
  • ANZ Rewards points can be transferred to several airline partners, giving you booking flexibility.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • Adding a cardholder costs $65 annually.
  • The earn rate drops from 1.5 points to 0.5 points per $1 after spending $2,000 in a statement period.
  • No introductory balance transfer offer.
  • No lounge access.
ANZ Platinum Credit Card

Not available for application via this website

ANZ Platinum Credit Card

3.1

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Details

  • Receive $100 cashback when you spend $2,000 on eligible purchases within 3 months after approval. Terms and Conditions apply.
  • The first-year annual fee is waived, saving you $87 upfront.
  • Includes complimentary International Travel Insurance and rental vehicle excess cover in Australia.

Pros & cons

Pros
  • Earn a $100 cashback when you meet the spend criteria.
  • You can add up to 9 additional cardholders at no extra cost.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $6,000, helping you keep your spending in check.
  • Works with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • No introductory balance transfer offer.
  • This card doesn’t include a rewards program but offers $100 cashback as a sign-up bonus, adding immediate value.
  • The $87 p.a. annual fee applies after the first year but can be waived with annual spending over $20,000.
ANZ First Visa Credit Card

Not available for application via this website

ANZ First Visa Credit Card

3.3

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Details

  • Receive $125 cashback when you spend $750 on eligible purchases within 3 months after approval. Terms and Conditions apply. Terms and Conditions apply.
  • The first-year annual fee is waived, saving you $30 upfront.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.

Pros & cons

Pros
  • Earn $125 cashback with easy-to-meet spending criteria.
  • You can add up to 3 additional cardholders at no extra cost.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay
Cons
  • There are no ANZ Rewards or Qantas Points benefits.
  • There are cards with a lower ongoing purchase rate.
ANZ Business Black Credit Card

Not available for application via this website

ANZ Business Black Credit Card

4.6

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$300.00 p.a. ongoing

Details

  • Earn up to 150,000 extra Business Reward Points. Earn 100,000 points when you spend $6,000 in the first 3 months, plus 50,000 more when you keep the card for 15 months.
  • Earn 1.5 Reward Points per $1 spent on eligible purchases up to and including $10,000 per statement period.
  • Receive complimentary Unauthorized Transactions Insurance, International Travel Insurance, and Transit Accident Insurance for overseas travel.

Pros & cons

Pros
  • Substantial sign-up bonus for new qualifying customers.
  • Earn 1 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points (at a reduced rate).
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has extended warranty, fraud protection, purchase protection insurance, and transport accident insurance.
  • Cardholders have access to ANZ's concierge service.
  • Add unlimited cardholders for free to share the account with staff.
  • Works with Apple Pay, Google Pay, and Samsung Pay, making payments more convenient.
  • Get a data feed for Xero, MYOB, and QuickBooks, making accounting and bookkeeping more streamlined.
Cons
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory offer on purchases and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $10,000 spent per statement period.
ANZ Frequent Flyer Platinum Credit Card

Not available for application via this website

ANZ Frequent Flyer Platinum Credit Card

3.4

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$295.00 p.a. ongoing

Details

  • Receive 75,000 bonus Reward Points and $100 cashback upon spending $2,500 on eligible purchases within 3 months after approval. Terms and Conditions apply.
  • Get 0.75 Qantas Points for every $1 spent on eligible purchases (capped at $3,000), and thereafter, earn 0.5 Qantas Points per $1 spent in each statement period.
  • Includes complimentary International Travel Insurance and rental vehicle excess cover in Australia.
  • Get a free Qantas Frequent Flyer Membership valued at $99.50.

Pros & cons

Pros
  • Earn a 75,000 bonus Qantas Points and a $100 cashback when you meet the criteria.
  • Use the 75,000 bonus Qantas Points for flights or upgrades, both domestic and international.
  • Earn 0.75 points per $1 spent up to $3,000 per statement period.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.
  • You can add up to 9 additional cardholders.
  • No cap on the total number of points you can earn.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • The annual fee of $295 p.a. is high.
  • Although uncapped, the earn rate drops to 0.5 points per $1 on any spend above $3,000 per statement period.
  • There is no balance transfer offer available.
  • It costs $65 p.a. per additional cardholder, which adds up.
ANZ Business 55 Interest Free Days Credit Card

Not available for application via this website

ANZ Business 55 Interest Free Days Credit Card

4.0

Balance transfer

N/A

Purchase rate

17.74% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Details

  • Save $150 with no Annual Card Fee for the first year.
  • Get up to 55 days interest-free on purchases by paying your account in full monthly.
  • Add unlimited additional cardholders at no extra cost.

Pros & cons

Pros
  • The card offers low ongoing interest rates, making it a cost-effective option for carrying a balance.
  • Provides Unauthorized Transaction Insurance up to $37,500 per cardholder and $200,000 per account annually.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay
Cons
  • No rewards program or sign-up bonus at the moment.
  • After the first year, there's an annual fee of $150 p.a.
  • The card doesn’t include travel insurance or concierge services, but it’s a straightforward choice for those not needing extras.
  • A 3% foreign transaction fee applies, which could add up for frequent international purchases.
ANZ Frequent Flyer Black Credit Card

Not available for application via this website

ANZ Frequent Flyer Black Credit Card

4.6

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$425.00 p.a. ongoing

Details

  • Receive up to 130,000 points. Get a 90,000 bonus Qantas Points and $200 cashback on your new card after spending $5,000 on qualifying purchases within the initial 3 months of approval. Additionally, earn an extra 40,000 bonus Qantas Points by maintaining your card for over 12 months. Terms and Conditions apply.
  • Earn 1 Qantas Point for every $1 spent on eligible purchases, up to $7,500 per statement period.
  • It includes 7 complimentary insurances, including International Travel Insurance.

Pros & cons

Pros
  • Receive up to 130,000 bonus Qantas Points and $200 cashback when you meet the criteria.
  • Use the 130,000 bonus Qantas Points for flights or upgrades, both domestic and international.
  • There is no cap on the number of points you can earn.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit of $15,000 gives you a higher spending capacity.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • The annual fee of $425 p.a. is high.
  • Earn rate drops to 0.5 points per $1 spent above $7,500 per statement period.
  • No balance transfer offer.
ANZ Business Low Rate Credit Card

Not available for application via this website

ANZ Business Low Rate Credit Card

Balance transfer

N/A

Purchase rate

12.99% p.a. ongoing

Interest-free days

Up to 0 days on purchases

Annual fee

$0.00 for 1st year

Details

  • The first-year annual fee is waived, saving you $100 upfront.
  • Low 12.99% p.a. on purchases and 14.49% p.a. on cash advances make it great for managing costs.
  • Add unlimited additional cardholders at no extra cost.

Pros & cons

Pros
  • The card offers low ongoing interest rates, making it a cost-effective option for carrying a balance.
  • Provides Unauthorized Transaction Insurance up to $37,500 per cardholder and $200,000 per account annually.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay
Cons
  • This card doesn’t offer an interest-free period, which could add costs if you don’t pay off your balance quickly.
  • There’s no rewards program or sign-up bonus, but it might suit those who prefer simplicity over perks.
  • An annual fee of $100 applies after the first year, which remains affordable.
ANZ Qantas Business Rewards Credit Card

Not available for application via this website

ANZ Qantas Business Rewards Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$300.00 p.a. ongoing

Details

  • Earn up to 150,000 bonus Qantas Points. Earn 100,000 Qantas Points points when you spend $6,000 in the first 3 months, plus 50,000 bonus Qantas Points when you keep the card for 15 months.
  • Earn 0.75 Reward Points per $1 spent on eligible purchases up to and including $15,000 per statement period. Earn 0.5 Qantas Points for every $1 over $15,000.
  • Receive complimentary Unauthorized Transactions Insurance, Domestic and International Travel Insurance.

Pros & cons

Pros
  • Substantial sign-up bonus for new qualifying customers.
  • Earn up to 0.75 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points.
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has unauthorised transaction insurance.
  • Cardholders have access to ANZ's concierge service.
  • Add unlimited cardholders for free to share the account with staff.
  • Works with Apple Pay, Google Pay, and Samsung Pay, making payments more convenient.
  • Get a data feed for Xero, MYOB, and QuickBooks, making accounting and bookkeeping more streamlined.
Cons
  • The card's ongoing annual fee is $300 p.a.
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory purchase offer and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $15,000 spent per statement period.

ANZ, a leading institution among Australia's Big Four banks, provides an extensive array of credit card choices for both individual and business purposes.

For those interested in rewards or frequent flyer credit cards, ANZ offers the opportunity to accumulate uncapped points on daily expenditures, which can be redeemed for flights, gift cards, cashback, and additional rewards.

Types of ANZ credit cards

Low rate credit cards

ANZ offers low interest rate credit cards for customers looking to save on interest costs. These cards typically have competitive interest rates on purchases and may include a promotional balance transfer offer. Cardholders can benefit from budget-friendly features while still having access to credit.

Rewards credit cards

ANZ's rewards credit cards allow customers to earn points on their everyday spending, which can be redeemed for various rewards such as travel, gift cards, merchandise, and more. Some cards may offer bonus points for sign-up or increased points earned on specific categories like groceries or fuel. Cardholders can enjoy the flexibility of redeeming points for rewards that suit their lifestyle.

Premium credit cards

ANZ's premium credit cards cater to customers who seek additional benefits and privileges. These cards may include airport lounge access, concierge services, complimentary insurance coverage, and higher rewards earning rates. Premium cards often come with higher annual fees but offer exclusive perks that enhance the cardholder's overall experience.

ANZ credit cards are compatible with major digital wallets such as Apple Pay, Samsung Pay, and Google Pay, enhancing payment flexibility and convenience.

Benefits of ANZ credit cards

  • Competitive interest rates: ANZ provides credit cards with competitive interest rates, allowing cardholders to manage their finances efficiently.
  • Rewards programs: Cardholders can earn points on their spending and redeem them for various rewards, adding value to their card usage and transferring points to other airline programs for frequent flyers.
  • Complimentary insurance: Some ANZ credit cards offer complimentary insurance covers such as travel insurance, purchase protection, and extended warranty.
  • Exclusive benefits: Premium ANZ credit cards include exclusive benefits like airport lounge access, concierge services, and discounted offers.

How to apply for an ANZ Credit Card

  1. Online application: Compare our table of ANZ credit cards and click 'apply' on the credit card that fits your requirements. It will redirect you to the ANZ website to complete the online application form with your personal and financial details.
  2. In-person application: Visit an ANZ branch and speak to a banking representative who can guide you through the application process.
  3. Documentation: Ensure you have the necessary documents, such as proof of income, identification documents, and any other required information.
  4. Approval: Wait for the application to be processed. You will receive your new ANZ credit card and the relevant terms and conditions if approved.

Managing your ANZ credit card

  • Online banking: Access your ANZ credit card account online to view transactions, pay bills, set up alerts, and manage your account preferences.
  • Mobile app: Download the ANZ mobile app to manage your credit card on the go, track spending, and make payments conveniently.
  • Customer service: Contact ANZ customer service for any queries, assistance with lost or stolen cards, or to report fraudulent activities.

Help choosing an ANZ credit card

Navigate the options and find your ideal ANZ credit card with ease.

  • FAQs

What are the eligibility criteria for applying for an ANZ credit card?

To apply for an ANZ credit card, you typically need to be an Australian resident or citizen, be over 18 years old, and meet the minimum income requirements specified by ANZ.

How can I earn rewards with an ANZ credit card?

You can earn rewards with an ANZ credit card by making eligible purchases using your card. Each dollar spent may earn you points, which can be redeemed for various rewards.

What fees are associated with ANZ credit cards?

ANZ credit cards may have annual fees, late payment fees, cash advance fees, and overseas transaction fees. Reviewing the card's terms and conditions to understand the applicable fees is essential.

Can I manage my ANZ credit card account online?

Yes, ANZ provides online banking services that allow you to manage your credit card account, view transactions, make payments, and update your personal information conveniently.

Do ANZ credit cards offer any travel benefits?

Some ANZ credit cards, especially premium ones, may offer travel benefits such as airport lounge access, travel insurance, and complimentary concierge services to enhance your travel experience.

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