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 18 April, 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 20 months and then 20.24% 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 20 months and then 20.24% p.a. | $58 $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 | |
| 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% 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 | |
| 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 |
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.
6240 Reviews
Online ID check was absolutely a joke. I inserted personal details and reference number then it popped up with no reference found. I ring up CS, over an hour waiting, next thing I was told that I need to visit a branch. When I show up in branch, the customer manager told me that I need an appointment before they can look at my issue. Anyway, to cut the story short. The branch sends me back to the call centre, then long wait before someone answers and then tells me to go back to the branch. I ended up cancelling the card before even it activated. Super disappointed with ANZ services!
Read full reviewOnline ID check was absolutely a joke. I inserted personal details and reference number then it popped up with no reference found. I ring up CS, over an hour waiting, next thing I was told that I need to visit a branch. When I show up in branch, the customer manager told me that I need an appointment before they can look at my issue. Anyway, to cut the story short. The branch sends me back to the call centre, then long wait before someone answers and then tells me to go back to the branch. I ended up cancelling the card before even it activated. Super disappointed with ANZ services!
I had no problem with my product until I got in to hardship . I found out that my insurance I was paying for was useless and I was paying for nothing it was a joke and in the fine print it states if you are unable to make your repayments for any reason blah blah blah then we will cover you. They lied and I refused to pay. Due to hardship. So ANZ knowingly sold me a dud insurance .
Read full reviewI had no problem with my product until I got in to hardship . I found out that my insurance I was paying for was useless and I was paying for nothing it was a joke and in the fine print it states if you are unable to make your repayments for any reason blah blah blah then we will cover you. They lied and I refused to pay. Due to hardship. So ANZ knowingly sold me a dud insurance .
Just warning you all off applying for this credit card with ANZ. The process will take over a month and you still will be no closer to getting your credit card. Their credit card team is based in India so you'll be lucky if they're able to get through to you and if they do, their phone lines are really bad. You are not able to contact them back directly, only phone a 1800 number where you will be put on hold then the operator will email them and ask them to call you again. They ask for the same information over and over again. For me, 34 texts and emails later, still no credit card. I had to cancel my application and applied for an AMEX frequent flyer card which was approved online in 5 minutes. Trust me, it's not worth the hassle, go with another card to get the points. I complained and got back a really lame response back from them. Do yourself a huge favour and avoid this bank at all costs.
Read full reviewJust warning you all off applying for this credit card with ANZ. The process will take over a month and you still will be no closer to getting your credit card. Their credit card team is based in India so you'll be lucky if they're able to get through to you and if they do, their phone lines are really bad. You are not able to contact them back directly, only phone a 1800 number where you will be put on hold then the operator will email them and ask them to call you again. They ask for the same information over and over again. For me, 34 texts and emails later, still no credit card. I had to cancel my application and applied for an AMEX frequent flyer card which was approved online in 5 minutes. Trust me, it's not worth the hassle, go with another card to get the points. I complained and got back a really lame response back from them. Do yourself a huge favour and avoid this bank at all costs.
I've been an ANZ Visa member for over 20 years and have never had a problem.
Read full reviewI've been an ANZ Visa member for over 20 years and have never had a problem.
When paid off in full and not stuck making monthly repayments, a rewards credit card is excellent way to accrue a reward 'bonus' for normal shopping routines. Anything to boost pathetic interest rates. Their Falcon fraud detection, whilst not foolproof, has definitely kicked in on a couple of occasions. The tap-&-pay facility is convenient but way too easy for misuse if card is lost even though the bank covers the loss. We all pay in the end and all banks are guilty of this.
Read full reviewWhen paid off in full and not stuck making monthly repayments, a rewards credit card is excellent way to accrue a reward 'bonus' for normal shopping routines. Anything to boost pathetic interest rates. Their Falcon fraud detection, whilst not foolproof, has definitely kicked in on a couple of occasions. The tap-&-pay facility is convenient but way too easy for misuse if card is lost even though the bank covers the loss. We all pay in the end and all banks are guilty of this.
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:
