7.2 / 10

based on 27635 ANZ banking product 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 27 July, 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 30 months and then 20.24% p.a.

$58 $0 in the first year

55

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

0% p.a. for 12 months then 20.24% p.a.

No current offer

$30

55

12.49% p.a.

0% p.a. for 30 months and then 20.24% p.a.

$58 $0 in the first year

55

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 $0 in the first year

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 $0 in the first year

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

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 $0 in the first year

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 $0 in the first year

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

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

6251 Reviews

Recent ANZ credit card reviews

ANZ Credit Card
Overall 1/10
Avoid Qantas bonus credit cards.

Avoid Qantas bonus credit cards.

Read full review

Avoid Qantas bonus credit cards.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Guillermo, Australian Capital Territory, reviewed 27 days ago
ANZ Credit Card
Overall 1/10
Unreasonable account blocking

ANZ have flawed processes. I always paid off my credit card in full. In the last 2-3 years I have had to be reminded that I had missed a payment In the first instance I was not in a position to pay the outstanding amount until the evening, which I did, in the latest incident I paid immediately. In both situations my card was blocked. In neither situation was I advised that there was a block on the account. In the first occurrence I was in rural nsw and needed to pay for petrol prior to catching a plane. Had I not had a card from another institution it is unlikely that the service station would havegiven credit. As a result of these two instances I cancelled my card. This apparently blocks on line access to the account so couldn’t check my balance nor did I receive any direct communication from Anz I have now been told what my balance is but have incurred penalties for late payment. They will not reinstate on line access. Which is entirely unreasonable as it is my data and i require access for accounting and taxation purposes

Read full review

ANZ have flawed processes. I always paid off my credit card in full. In the last 2-3 years I have had to be reminded that I had missed a payment In the first instance I was not in a position to pay the outstanding amount until the evening, which I did, in the latest incident I paid immediately. In both situations my card was blocked. In neither situation was I advised that there was a block on the account. In the first occurrence I was in rural nsw and needed to pay for petrol prior to catching a plane. Had I not had a card from another institution it is unlikely that the service station would havegiven credit. As a result of these two instances I cancelled my card. This apparently blocks on line access to the account so couldn’t check my balance nor did I receive any direct communication from Anz I have now been told what my balance is but have incurred penalties for late payment. They will not reinstate on line access. Which is entirely unreasonable as it is my data and i require access for accounting and taxation purposes

Customer service
2/10
Convenience
5/10
Trust
2/10
Less
Jim, Victoria, reviewed 2 months ago
ANZ Platinum
Overall 6/10
Not the best of banks in recent years

If there is a problem they may advise you but they never follow up. Should I want an increase in my credit they tell me no and suggest I already have too much - even if I have never missed an interest payment.

Read full review

If there is a problem they may advise you but they never follow up. Should I want an increase in my credit they tell me no and suggest I already have too much - even if I have never missed an interest payment.

Price
6/10
Features
1/10
Customer service
7/10
Convenience
10/10
Trust
10/10
Less
Scott, South Australia, reviewed 2 months ago
ANZ Credit Card
Overall 4/10
assistance received was temporary.

I'm very disappointed, banked with them for a long time and now due to partner becoming disabled and me becoming his full-time carer I cannot afford to pay my $7000 credit card debt. Did the right thing and contacted anz straight away, they gave me 3 months hardship and when I contacted anz again to state that the situation is worse they told me that I can only apply for hardship once and that there is nothing else that can help me with and they need the overdue amount immediately. I asked what is the least amount I can pay and they told me it's on the statement. Awesome!

Read full review

I'm very disappointed, banked with them for a long time and now due to partner becoming disabled and me becoming his full-time carer I cannot afford to pay my $7000 credit card debt. Did the right thing and contacted anz straight away, they gave me 3 months hardship and when I contacted anz again to state that the situation is worse they told me that I can only apply for hardship once and that there is nothing else that can help me with and they need the overdue amount immediately. I asked what is the least amount I can pay and they told me it's on the statement. Awesome!

Features
7/10
Customer service
6/10
Convenience
6/10
Trust
4/10
Less
Cheryle, Queensland, reviewed 2 months ago
ANZ Credit Card
Overall 1/10
Application process - headache

I’ve recently applied for the ANZ Frequent Flyer Platinum card. Here is a summary of my experience: 1) I completed my application online with an ID verification process. A Credit check was immediately triggered. 2) I was contacted to find a suitable time for a phone call consultation. The time offered was completely disregarded. 3) I was notified the transaction history I offered as evidence of eligibility did not indicate my name. I typed my name in and resent the document which triggered a credit check (again). 4) I received my new card and followed the activation instructions. That didn’t work. 5) I called support and was advised I needed to go down to the branch to identify myself (again). I was then turned around at the branch for not making an appointment 6) I went home, cancelled my application and very happily cut my card in two. Doubling up on ID checks. Doubling up on Credit Checks. Get given the run around. No thank you.

Read full review

I’ve recently applied for the ANZ Frequent Flyer Platinum card. Here is a summary of my experience: 1) I completed my application online with an ID verification process. A Credit check was immediately triggered. 2) I was contacted to find a suitable time for a phone call consultation. The time offered was completely disregarded. 3) I was notified the transaction history I offered as evidence of eligibility did not indicate my name. I typed my name in and resent the document which triggered a credit check (again). 4) I received my new card and followed the activation instructions. That didn’t work. 5) I called support and was advised I needed to go down to the branch to identify myself (again). I was then turned around at the branch for not making an appointment 6) I went home, cancelled my application and very happily cut my card in two. Doubling up on ID checks. Doubling up on Credit Checks. Get given the run around. No thank you.

Convenience
1/10
Trust
1/10
Less
Sol, Western Australia, reviewed 27 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