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 20 January, 2021. 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 25 months and then 20.24% p.a. (1.50% balance transfer fee) | $58 $0 in the first year | 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 25 months and then 20.24% p.a. (1.50% balance transfer fee) | $58 $0 in the first year | 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 | |
| 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% 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 | ||
| 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 |
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 |
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.
6230 Reviews
Okay credit card, no frills but low rate. On par with other banks.
Read full reviewOkay credit card, no frills but low rate. On par with other banks.
I love my credit card with ANZ but I noticed that when COVID-19 hit I remember the government said not to add interest and they added a $64 interest 3 times during COVID-19 lockdowns. That’s really no good.
Read full reviewI love my credit card with ANZ but I noticed that when COVID-19 hit I remember the government said not to add interest and they added a $64 interest 3 times during COVID-19 lockdowns. That’s really no good.
Reliable, easy to deal with, good benefits.
Read full reviewReliable, easy to deal with, good benefits.
They have just changed all the benefits for my card and only made a minor adjustment to the cost of the card. I phoned to discuss as I have been a customer for over 20 years and basically they just said "well that is the way it is."
Read full reviewThey have just changed all the benefits for my card and only made a minor adjustment to the cost of the card. I phoned to discuss as I have been a customer for over 20 years and basically they just said "well that is the way it is."
Great interest rates, easy app to follow spending, easy to get in contact with when needed.
Read full reviewGreat interest rates, easy app to follow spending, easy to get in contact with when needed.
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:
