based on 28400 ANZ product reviews as rated by Mozo community

ANZ credit cards

One of the leading banks in Australia and New Zealand, ANZ offers a wide range of credit cards to suit all its customers. Whether you’re after a rewards program, frequent flyer points or simply a low-fee card, ANZ has options for everyone. Plus, ANZ have also been recognised for their premium card benefits, for which they took out multiple 2023 Mozo Experts Choice Credit Card Awards.

What credit cards do ANZ offer?

Here’s a quick snapshot of all the different kinds of credit cards that ANZ has to offer:

Rates and fees verified as correct at 19 March 2024. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

Low rate credit cards are a smart way to manage your purchases if you don’t always remember to pay off the total balance. For low standard interest rates on everyday purchases, look at ANZ low rate cards.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

13.74% p.a.

0% p.a. for 28 months and then 21.99% p.a. (3.00% balance transfer fee)

$58 $0 in the first year

55

13.74% p.a.

No current offer

$58

55

Low fee credit cards

If you’re after a low fee credit card with ANZ, you can choose from cards that that come with a low ongoing annual fee, or one that has $0 annual fee in the first year, as well as Overseas Travel and Medical Insurance.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

20.99% p.a.

No current offer

$30 $0 in the first year

55

13.74% p.a.

0% p.a. for 28 months and then 21.99% p.a. (3.00% balance transfer fee)

$58 $0 in the first year

55

13.74% p.a.

No current offer

$58

55

Rewards credit cards

With an ANZ rewards card, you can earn flexible Reward Points on everyday purchases and then redeem these points for a number of things such as gift cards, shopping vouchers, hotel bookings or flights, through the ANZ Rewards Program.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$425

0.75 points per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$295

2 points per dollar on Visa, up to $5,000 per month, then
1 point per dollar on Visa, uncapped

20.99% p.a.

No current offer

$375

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$149

Prestige cards

Looking for a premium card that comes with perks like complimentary travel insurance, extended warranty cover, purchase security guarantee and personal concierge? Then you should check out the ANZ Platinum cards for some top notch rewards and features.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$425

0.75 points per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$295

20.99% p.a.

No current offer

$87 $0 when you spend over $20,000 p.a

2 points per dollar on Visa, up to $5,000 per month, then
1 point per dollar on Visa, uncapped

20.99% p.a.

No current offer

$375

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$149

Frequent flyer credit cards

These are perfect for jetsetters trying to rack up those frequent flyer points with everyday purchases. ANZ offers multiple frequent flyer cards, all of which will help you get closer to that Qantas rewards goal with every eligible purchase.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$425

0.75 points per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$295

How are ANZ credit cards rated?

Mozo users have rated ANZ credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
ANZ credit cards
Overall
Price
Features
Customer service
Convenience
Trust

6315 Reviews

Recent ANZ credit card reviews

ANZ Credit Card
Overall 8/10
Try it, you won't be disappointed

Been using ANZ with my credit card for close to 20 years. Never had any problems and always best service.

Read full review

Been using ANZ with my credit card for close to 20 years. Never had any problems and always best service.

Price
9/10
Features
9/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Karen, Queensland, reviewed about 4 hours ago
ANZ First
Overall 6/10
Anz bank

I've been with them for so long that i think it's more not wanting to set up new accounts with different banks. There fees are pretty high.

Read full review

I've been with them for so long that i think it's more not wanting to set up new accounts with different banks. There fees are pretty high.

Price
4/10
Features
3/10
Customer service
7/10
Convenience
8/10
Trust
6/10
Less
Ro, Queensland, reviewed about 3 hours ago
ANZ Credit Card
Overall 7/10
We have been with ANZ for over 20years.

Interest rate on credit card is a bit high, interest paid on savings is a bit low. it is difficult to talk to a human about products or changes. Increasing limit on credit card was a bit of a chore and took over a week. The last time we saw someone in branch, in Wodonga Vic, to enquire about opening another account they were extremely helpful and explained the benefits very well.

Read full review

Interest rate on credit card is a bit high, interest paid on savings is a bit low. it is difficult to talk to a human about products or changes. Increasing limit on credit card was a bit of a chore and took over a week. The last time we saw someone in branch, in Wodonga Vic, to enquire about opening another account they were extremely helpful and explained the benefits very well.

Price
7/10
Features
3/10
Customer service
4/10
Convenience
7/10
Trust
8/10
Less
Marc, Victoria, reviewed about 1 month ago
ANZ Credit Card
Overall 8/10
ANZ Card give Frequent Flyers

I like my Credit Card as its attached to my Qantas Frequent Flyer account. It gives me bonus points each month that I can use for flights. I also find the ANZ app on my phone easy to manage my Credit Card and other accounts.

Read full review

I like my Credit Card as its attached to my Qantas Frequent Flyer account. It gives me bonus points each month that I can use for flights. I also find the ANZ app on my phone easy to manage my Credit Card and other accounts.

Price
6/10
Features
9/10
Customer service
8/10
Convenience
10/10
Trust
10/10
Less
Carolyn, Queensland, reviewed 3 months ago
ANZ Low Rate
Overall 3/10
No support

I don’t recommend them for credit cards, I struggled with being financially abused as well as all other abuse imaginable by my ex husband, and finally got free of him and really suffered trying to afford my credit card bill that my ex had run up, unfortunately the credit card was in my name and I rang the bank to enquire about recieving a cut in my repayments per month as I was desperately struggling to survive and make the repayments each month. They were very uncaring and told me they could do nothing to help me. To this day I’m still struggling with the debt.

Read full review

I don’t recommend them for credit cards, I struggled with being financially abused as well as all other abuse imaginable by my ex husband, and finally got free of him and really suffered trying to afford my credit card bill that my ex had run up, unfortunately the credit card was in my name and I rang the bank to enquire about recieving a cut in my repayments per month as I was desperately struggling to survive and make the repayments each month. They were very uncaring and told me they could do nothing to help me. To this day I’m still struggling with the debt.

Price
5/10
Features
1/10
Customer service
1/10
Convenience
4/10
Trust
1/10
Less
Kylie, New South Wales, reviewed 4 months ago

What do you need to apply for a ANZ credit card?

After you have compared the different ANZ credit cards and decided the one that’s best for you, you can hit the ‘Go to site’ button on Mozo to reach ANZ’s website directly. Once you get to the website, you’ll see that the application process is actually quite simple and only takes a few minutes. Just fill an online form giving all your contact details and any identity proofs such as a driver’s licence, passport or birth certificate.  

Here’s a quick list of eligibility criteria that you’d need to fulfil to apply for an ANZ credit card:

Credit card quick links