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. ANZ have also been recognised for their travel-friendly credit cards, taking out two 2019 Mozo Expert Choice Travel Money Awards, as well as their premium card benefits for which they took out a 2019 Mozo Experts Choice Credit Card Award.
Rates and fees verified as correct at 29 September, 2020. Other information correct at the time of writing.
Here’s a quick snapshot of all the different kinds of credit cards that ANZ has to offer:
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 | |
|---|---|---|---|---|---|
| 12.49% p.a. | 0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee) | $58 $0 in the first 0 years | 55 | Go to site |
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 | |
|---|---|---|---|---|---|
| 20.24% p.a. | 0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee) | $30 | 55 | Go to site | |
| 20.24% p.a. | No current offer | $30 $0 in the first year | 55 | ||
| 12.49% p.a. | 0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee) | $58 $0 in the first 0 years | 55 | Go to site |
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 |
|---|---|---|---|---|
| 0.5 points per dollar on Visa, up to $500 per month, then | 20.24% p.a. | No current offer | $95 | |
| 1 point per dollar on Visa, up to $7,500 per month, then | 20.24% p.a. | No current offer | $425 | |
| 0.75 points per dollar on Visa, up to $3,000 per month, then | 20.24% p.a. | No current offer | $295 | |
| 1 point per dollar on Visa, up to $1,000 per month, then | 20.24% p.a. | No current offer | $80 | |
| 2 points per dollar on Visa, up to $5,000 per month, then | 20.24% p.a. | No current offer | $375 | |
| 1.5 points per dollar on Visa, up to $2,000 per month, then | 20.24% p.a. | No current offer | $95 |
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 | 20.24% p.a. | No current offer | $425 | ||
| 0.75 points per dollar on Visa, up to $3,000 per month, then | 20.24% p.a. | No current offer | $295 | ||
|
| 0% p.a. for 17 months then 20.24% p.a. | No current offer | $87 $0 when you spend over $20,000 p.a, $0 in the first year | Go to site | |
| 2 points per dollar on Visa, up to $5,000 per month, then | 20.24% p.a. | No current offer | $375 | ||
| 1.5 points per dollar on Visa, up to $2,000 per month, then | 20.24% p.a. | No current offer | $95 |
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 |
|---|---|---|---|---|
| 0.5 points per dollar on Visa, up to $500 per month, then | 20.24% p.a. | No current offer | $95 | |
| 1 point per dollar on Visa, up to $7,500 per month, then | 20.24% p.a. | No current offer | $425 | |
| 0.75 points per dollar on Visa, up to $3,000 per month, then | 20.24% p.a. | No current offer | $295 |
Students looking for easy banking solutions should consider the ANZ Student Card. It lets you manage your money on the go through your smartphone and comes with the added convenience of Samsung Pay, Android and Apple Pay, which let you use your compatible Android or Apple device to tap and pay with your ANZ card.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
|---|---|---|---|---|
| 20.24% p.a. | No current offer | $30 $0 in the first year | 55 |
| Rewards programRewards program | There’s a wide range of rewards that you can opt for through the ANZ Rewards Program. Everyday purchases can earn you points that can be used for shopping gift vouchers, household items, flight tickets, hotel bookings and a lot more. You can check and redeem your Reward Points balance by logging into your account online or over the phone. To make sure you’re earning maximum points, use your ANZ rewards credit card whenever you make a purchase and when paying bills. Also, try to shop with affiliated partners and fly with linked airlines to make the most of your credit card. |
| Online bankingOnline banking | It’s easy to register for ANZ Internet as well as phone banking. All you need to do is call their customer care and get a Customer Registration Number (CRN) and Telecode. You can then register online for ANZ Internet banking using these numbers. If you like banking on the go, you can also download the ANZ App on your smartphone. |
| Interest free daysInterest free days | Like many banks in Australia, ANZ credit cards too come with 44 or 55 interest free days on purchases depending on the card you get. This refers to the maximum length of time from the first day of your statement to the payment due date. For instance, if your card has ‘up to 44 interest-free days’ and the statement is from September 1st to 30th, your repayment will be due on 14th October, which is 44 days after the first day of the statement. To avoid paying interest on the purchases balance, you should always try to pay the full closing balance shown on every account statement by the due date. It’s a good idea to set up a direct deposit from your bank account to your credit card provider, so you don’t miss a deadline. |
| Tap and go Tap and go | Make contactless payments with your ANZ credit card that won’t need you to swipe, sign or enter your PIN when making purchases under $100. All you need to do is hold your ANZ credit card to the reader for a hassle-free transaction. |
| Additional chargesAdditional charges | Two extra charges that are applicable to ANZ credit cards include overlimit fees and late payment fees. The former can be easily avoided by regularly checking your account balance via ATMs, ANZ Internet, Phone and Mobile Phone Banking to make sure there is enough credit available to cover any transaction. To steer clear of late payment charges, you should always at least pay your minimum monthly payment by the due date. |
| Card securityCard security | ANZ credit cards are protected by 24-hour ANZ Falcon fraud monitoring, which automatically detects any dubious card activity. If ANZ spots a transaction on your account that looks unusual, the bank will contact you to confirm if you are aware of the transaction. ANZ extends its card security for contactless payments, online shopping as well as overseas transactions so you can use your money in peace. |
| Additional cardholderAdditional cardholder | ANZ lets you add a close friend or family member as an additional cardholder who is allowed to make purchases on your ANZ Credit Card account. They can be issued with a card of their own to make these transactions. But don’t forget that while additional cardholders can charge their purchases to your ANZ Credit Card account, you will still be responsible for meeting the repayment obligations. |
The Mozo community has rated ANZ credit cards on a number of factors ranging from price, features, convenience and customer service.
Interest rate high, in-bank customer service not helpful, but amazing free travel insurance and fantastic service when my credit card was stolen. Thus, I have trust in their ability to handle any identity theft. Plus, to swap to another bank would...
Interest rate high, in-bank customer service not helpful, but amazing free travel insurance and fantastic service when my credit card was stolen. Thus, I have trust in their ability to handle any identity theft. Plus, to swap to another bank would be time consuming and a hassle.
Jane, Victoria, reviewed 6 days ago
Branch closures in regional areas are appalling - no thought or care for aged/isolated/ non-driving/ country-dwelling customers. Not everyone can catch public transport/taxi or drive independently to a branch or ATM. Many older people don’t have...
Branch closures in regional areas are appalling - no thought or care for aged/isolated/ non-driving/ country-dwelling customers. Not everyone can catch public transport/taxi or drive independently to a branch or ATM. Many older people don’t have the means/confidence/trust to access online or phone banking.
Colleen, Queensland, reviewed 7 days ago
I like the product. Safety of using my platinum rewards card. Once the bank alerted me that my card had been used to by airline tickets in another country and they refunded me really fast.
I like the product. Safety of using my platinum rewards card. Once the bank alerted me that my card had been used to by airline tickets in another country and they refunded me really fast.
Pirkko, Western Australia, reviewed 7 days ago
Interest free period is useful as I clear the balance each month.
Interest free period is useful as I clear the balance each month.
Libby, New South Wales, reviewed 7 days ago
I Love my Bank. On entering they greet you cheerfully plus by first name. They are so friendly, professional and attentive. If I have a problem they are straight onto it, resolving any issues immediately. I find this in all ANZ Banks I have...
I Love my Bank. On entering they greet you cheerfully plus by first name. They are so friendly, professional and attentive. If I have a problem they are straight onto it, resolving any issues immediately. I find this in all ANZ Banks I have had transactions with. I highly recommend ANZ.
Lila, Western Australia, reviewed 8 days ago
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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:
