7.2 / 10

based on 27507 reviews as rated by Mozo community

ANZ credit cards

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. Plus, ANZ have also been recognised for their premium card benefits for which they took out multiple 2020 Mozo Experts Choice Credit Card Awards.

What credit cards do ANZ offer?

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 January, 2021. Other information correct at the time of writing. Advertiser disclosure.

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 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

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 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

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, 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
0.25 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$95

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$425

0.75 points per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$295

1 point per dollar on Visa, up to $1,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$80

2 points per dollar on Visa, up to $5,000 per month, then
1 point per dollar on Visa, uncapped

20.24% p.a.

No current offer

$375

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$95

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$120

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 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$425

0.75 points per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

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
1 point per dollar on Visa, uncapped

20.24% p.a.

No current offer

$375

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$95

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$120

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

0.5 points per dollar on Visa, up to $500 per month, then
0.25 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$95

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$425

0.75 points per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$295

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 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

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

How are ANZ credit cards rated?

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.

Icon of credit-cards
ANZ credit cards
Overall
6.7/10
Price
Features
Customer service
Convenience
Trust

6234 Reviews

Recent ANZ credit card reviews

ANZ Credit Card review
Overall 10/10
Very good.

ANZ Visa Card customer service had always gone above and beyond to help solve a problem and bring the issue to successful outcome.

Read full review

ANZ Visa Card customer service had always gone above and beyond to help solve a problem and bring the issue to successful outcome.

Price
6/10
Features
6/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Daryl, Victoria, reviewed 3 days ago
ANZ Low Rate review
Overall 9/10
I'm happy with my ANZ credit card

I've held this account for several years and have never ever had a problem with it or the bank. That's good enough for me to be able to recommend it.

Read full review

I've held this account for several years and have never ever had a problem with it or the bank. That's good enough for me to be able to recommend it.

Price
8/10
Features
8/10
Customer service
8/10
Convenience
10/10
Trust
9/10
Less
Linda, New South Wales, reviewed 4 days ago
ANZ Credit Card review
Overall 9/10
Have been a loyal customer for many years

They have always listened and responded in a respectful manner. I have always felt looked after. I would suggest people pro actively approaching the bank and ask questions, ask for better rates etc. They don’t harass you which I like.

Read full review

They have always listened and responded in a respectful manner. I have always felt looked after. I would suggest people pro actively approaching the bank and ask questions, ask for better rates etc. They don’t harass you which I like.

Price
9/10
Features
9/10
Customer service
9/10
Convenience
10/10
Trust
10/10
Less
Teresa, Western Australia, reviewed 5 days ago
ANZ Credit Card review
Overall 5/10
Great bank for loans, banking etc.

I like the ANZ bank but cannot rate a credit card of any bank as being excellent. Interest rates etc are great but the credit card interest rate is high and rarely alters.

Read full review

I like the ANZ bank but cannot rate a credit card of any bank as being excellent. Interest rates etc are great but the credit card interest rate is high and rarely alters.

Price
5/10
Features
8/10
Customer service
10/10
Convenience
10/10
Trust
5/10
Less
Patricia, Queensland, reviewed 5 days ago
ANZ Low Rate review
Overall 6/10
On par credit card

Okay credit card, no frills but low rate. On par with other banks.

Read full review

Okay credit card, no frills but low rate. On par with other banks.

Price
7/10
Features
6/10
Customer service
6/10
Convenience
9/10
Trust
6/10
Less
Kate, Queensland, reviewed 6 days ago

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

Credit card quick links