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 25 May 2022. Other information correct at the time of writing. Advertiser disclosure.
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 30 months and then 21.24% p.a. |
$58 $0 in the first year |
55 |
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 |
|---|---|---|---|---|
|
0% p.a. for 12 months then 20.24% p.a. |
No current offer |
$30 |
55 |
|
|
12.49% p.a. |
0% p.a. for 30 months and then 21.24% p.a. |
$58 $0 in the first year |
55 |
|
|
20.24% p.a. |
No current offer |
$80 |
55 |
|
|
20.24% p.a. |
No current offer |
$95 $0 in the first year |
55 |
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 $0 in the first year |
|
|
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 $0 in the first year |
|
|
1.5 points per dollar on Visa, up to $2,000 per month, then |
20.24% p.a. |
No current offer |
$95 $0 in the first year |
|
|
1.5 points per dollar on Visa, up to $2,000 per month, then |
20.24% p.a. |
No current offer |
$120 |
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 in the first year |
|
|
|
0% p.a. for 25 months then 20.24% p.a. |
No current offer |
$87 $0 when you spend over $20,000 p.a, $0 in the first year |
|
|
2 points per dollar on Visa, up to $5,000 per month, then |
20.24% p.a. |
No current offer |
$375 $0 in the first year |
|
|
1.5 points per dollar on Visa, up to $2,000 per month, then |
20.24% p.a. |
No current offer |
$95 $0 in the first year |
|
|
1.5 points per dollar on Visa, up to $2,000 per month, then |
20.24% p.a. |
No current offer |
$120 |
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 $0 in the first year |
Mozo users have rated ANZ credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
6269 Reviews
I find ANZ a very middle ground bank. They have been good to me, although I felt like when I was hacked, I needed to prove that I was not in 3 states at once. ANZ is basic, and I have heard many people say they need to jump through hoops to achieve anything with them.
Read full reviewI find ANZ a very middle ground bank. They have been good to me, although I felt like when I was hacked, I needed to prove that I was not in 3 states at once. ANZ is basic, and I have heard many people say they need to jump through hoops to achieve anything with them.
Always had a Visa card with the bank for many years and have never had a problem.
Read full reviewAlways had a Visa card with the bank for many years and have never had a problem.
This bank charges some 21%+ on its credit cards with no option for lower interest rates. Other big banks charge lower interest rates, some even down to 9%+. Not ANZ
Read full reviewThis bank charges some 21%+ on its credit cards with no option for lower interest rates. Other big banks charge lower interest rates, some even down to 9%+. Not ANZ
Exceptionally ridiculous interest rates, no customer service Australian bank withe big advertising and using Australian sentiment but with call centres in the Philippines be prepared to wait 45 minutes to an hour to talk to a foreigner. They love to charge overdue fees so wont let you now if your two days late or something else happens I've been in debt to them for 25 years never done me any favours and I've paid them 100,000$ in interest.
Read full reviewExceptionally ridiculous interest rates, no customer service Australian bank withe big advertising and using Australian sentiment but with call centres in the Philippines be prepared to wait 45 minutes to an hour to talk to a foreigner. They love to charge overdue fees so wont let you now if your two days late or something else happens I've been in debt to them for 25 years never done me any favours and I've paid them 100,000$ in interest.
Typical bank, cold and uncaring.
Read full reviewTypical bank, cold and uncaring.
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: