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 |
|---|---|---|---|---|
|
13.74% p.a. |
0% p.a. for 28 months and then 21.99% p.a. (3.00% balance transfer fee) |
$58 $0 in the first year |
55 |
|
|
13.74% p.a. |
No current offer |
$58 |
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 |
|---|---|---|---|---|
|
20.99% p.a. |
No current offer |
$30 $0 in the first year |
55 |
|
|
13.74% p.a. |
0% p.a. for 28 months and then 21.99% p.a. (3.00% balance transfer fee) |
$58 $0 in the first year |
55 |
|
|
13.74% p.a. |
No current offer |
$58 |
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 |
|---|---|---|---|---|
|
1 point per dollar on Visa, up to $7,500 per month, then |
20.99% p.a. |
No current offer |
$425 |
|
|
0.75 points per dollar on Visa, up to $3,000 per month, then |
20.99% p.a. |
No current offer |
$295 |
|
|
2 points per dollar on Visa, up to $5,000 per month, then |
20.99% p.a. |
No current offer |
$375 |
|
|
1.5 points per dollar on Visa, up to $2,000 per month, then |
20.99% p.a. |
No current offer |
$149 |
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 |
20.99% p.a. |
No current offer |
$425 |
|
|
0.75 points per dollar on Visa, up to $3,000 per month, then |
20.99% p.a. |
No current offer |
$295 |
|
|
|
20.99% p.a. |
No current offer |
$87 $0 when you spend over $20,000 p.a |
|
|
2 points per dollar on Visa, up to $5,000 per month, then |
20.99% p.a. |
No current offer |
$375 |
|
|
1.5 points per dollar on Visa, up to $2,000 per month, then |
20.99% p.a. |
No current offer |
$149 |
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 Visa, up to $7,500 per month, then |
20.99% p.a. |
No current offer |
$425 |
|
|
0.75 points per dollar on Visa, up to $3,000 per month, then |
20.99% 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.
I've been with ANZ for over 10 years - the app is easy to use and the staff are always friendly. I got my first car loan through them when I was 18 years old and the process was easy and straight forward. I just wish they were more clear on the credit card fees and charges.
Read full reviewI've been with ANZ for over 10 years - the app is easy to use and the staff are always friendly. I got my first car loan through them when I was 18 years old and the process was easy and straight forward. I just wish they were more clear on the credit card fees and charges.
No annual fee when you sign up but then they give an annual fee the following year - I haven't even used the card once, it's only for emergencies so chose a low rate card.
Read full reviewNo annual fee when you sign up but then they give an annual fee the following year - I haven't even used the card once, it's only for emergencies so chose a low rate card.
The interest rate is reasonably low and ANZ frequently runs good value balance transfer promotions.
Read full reviewThe interest rate is reasonably low and ANZ frequently runs good value balance transfer promotions.
I have an ANZ Rewards Black card and it has a very good points redemption and extra features, however the annual fee is very high. It’s difficult to get in touch with ANZ customer service because their chat functionality is so difficult to use and behaves strangely, so I’m hesitant to recommend it. They do have good offers for new customers though, and you can get a large amount of bonus points when signing up.
Read full reviewI have an ANZ Rewards Black card and it has a very good points redemption and extra features, however the annual fee is very high. It’s difficult to get in touch with ANZ customer service because their chat functionality is so difficult to use and behaves strangely, so I’m hesitant to recommend it. They do have good offers for new customers though, and you can get a large amount of bonus points when signing up.
Sadly they cannot organise anything. Direct debit, extra cards, call backs .. all go ignored. Avoid ANZ, I'm surprised they even offer a help line based on how useless they are.
Read full reviewSadly they cannot organise anything. Direct debit, extra cards, call backs .. all go ignored. Avoid ANZ, I'm surprised they even offer a help line based on how useless they are.
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: