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 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.
6234 Reviews
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 reviewANZ Visa Card customer service had always gone above and beyond to help solve a problem and bring the issue to successful outcome.
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 reviewI'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.
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 reviewThey 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.
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 reviewI 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.
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.
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:
