ANZ credit cards

ANZ
ANZ's overall rating for credit cards

(as rated by the Mozo community)

6.9 / 10

based on 1932 reviews

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.

Rates and fees verified as correct at 04 December, 2016. Other information correct at the time of writing.

What credit cards do ANZ offer?

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

Low rate credit cards 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  

13.99% p.a.

$79

55

0% p.a. for 6 months then 13.49% p.a.

$58

55

Go to site

0% p.a. for 6 months then 13.49% p.a.

$99

55

Go to site

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Low fee credit cards 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  

19.74% p.a.

0% p.a. for 18 months and then 21.49% p.a. (3.00% p.a. balance transfer fee)

$30

44

Go to site

19.74% p.a.

$30 $0 in the first 1 year

44

Go to site

0% p.a. for 6 months then 13.49% p.a.

$58

55

Go to site

Hide

Rewards credit cards 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.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Visa, uncapped

13.99% p.a.

$79

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to $3,000 per month

19.99% p.a.

$95 $0 in the first 1 year

Go to site

1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped

19.99% p.a.

$425 $0 in the first 1 year

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $6,000 per month

19.99% p.a.

$295 $0 in the first 1 year

Go to site

1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped

18.79% p.a.

$80

Go to site

3 points per dollar on Amex, 1.25 points per dollar on Visa, uncapped

18.79% p.a.

$375

Go to site

2 points per dollar on Amex, 1 point per dollar on Visa, uncapped

18.79% p.a.

$95

Go to site

2 points per dollar on Amex, 1 point per dollar on Visa, uncapped

20.24% p.a.

$225

Go to site

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Prestige cards 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  

1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped

19.99% p.a.

$425 $0 in the first 1 year

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $6,000 per month

19.99% p.a.

$295 $0 in the first 1 year

Go to site

0% p.a. for 6 months then 13.49% p.a.

$99

Go to site

19.74% p.a.

0% p.a. for 18 months and then 21.49% p.a. (3.00% p.a. balance transfer fee)

$87 $0 when you spend over $20,000 p.a, $0 in the first 1 year

Go to site

3 points per dollar on Amex, 1.25 points per dollar on Visa, uncapped

18.79% p.a.

$375

Go to site

2 points per dollar on Amex, 1 point per dollar on Visa, uncapped

18.79% p.a.

$95

Go to site

2 points per dollar on Amex, 1 point per dollar on Visa, uncapped

20.24% p.a.

$225

Go to site

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Frequent flyer credit cards 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 Amex, 0.5 points per dollar on Visa, up to $3,000 per month

19.99% p.a.

$95 $0 in the first 1 year

Go to site

1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped

19.99% p.a.

$425 $0 in the first 1 year

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $6,000 per month

19.99% p.a.

$295 $0 in the first 1 year

Go to site

Hide

Student credit cards Student credit cards

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 ANZ Mobile Pay and ANZ 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  

19.74% p.a.

$30 $0 in the first 1 year

44

Go to site
Hide

ANZ credit card features in a glance

Rewards programRewards program

There’s a wide range of rewards that you can opt for with an ANZ rewards card. 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 goMoney 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.


How are ANZ credit cards rated?

The Mozo community has rated ANZ credit cards on a number of factors ranging from price, features, convenience and customer service.

ANZ credit cards

Overall 6.9*

Price

Features

Customer service

Convenience

Trust

1932 Reviews

* Overall rating based on reviews in the past 12 months.

Recent ANZ credit card reviews Recent ANZ credit card reviews

ANZ

ANZ First credit card review

Overall rating   10 / 10

Would recommend ANZ to anyone

Excellent banking.

Full review

Excellent banking.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Norma (SA), reviewed about 1 month ago

ANZ

ANZ Frequent Flyer Platinum credit card review

Overall rating   7 / 10

Great rewards program

Great customer service and response.

Full review

Great customer service and response.

    Price   5 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Tony (VIC), reviewed about 1 month ago

ANZ

ANZ credit card review

Overall rating   9 / 10

Great customer service and prompt actions.

Have been with several major australian banks but ANZ tops them all with good service, prompt actions and overall good value.

Full review

Have been with several major australian banks but ANZ tops them all with good service, prompt actions and overall good value.

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Donna (WA), reviewed 4 months ago

ANZ

ANZ credit card review

Overall rating   6 / 10

Convenient, Established, Good communication.

ANZ First credit card suits me as it is convenient, available and low cost annual fee. Suits me.

Full review

ANZ First credit card suits me as it is convenient, available and low cost annual fee. Suits me.

    Price   5 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Trish (NSW), reviewed 7 months ago

ANZ

ANZ credit card review

Overall rating   9 / 10

Awesome

Excellent bank

Full review

Excellent bank

    Price   6 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Hailey (NSW), reviewed 7 months ago

Hide reviews

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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

  • Be at least 18 years of age
  • Be an Australian resident for taxation purposes
  • Earn $15,000 per year, although this condition varies for students and visa holders
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