based on 28499 ANZ 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 2023 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 24 April 2024. 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

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

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

20.99% 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

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

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

20.99% 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

20.99% p.a.

No current offer

$295

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

20.99% 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

20.99% p.a.

No current offer

$149

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

20.99% 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

20.99% 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
1 point per dollar on Visa, uncapped

20.99% 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

20.99% p.a.

No current offer

$149

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

20.99% 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

20.99% 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
Price
Features
Customer service
Convenience
Trust

6323 Reviews

Recent ANZ credit card reviews

ANZ Credit Card
Overall 8/10
It is really good

It price is good and costumer service is amazing

Read full review

It price is good and costumer service is amazing

Price
8/10
Features
8/10
Customer service
8/10
Convenience
8/10
Trust
8/10
Less
Hunter, Victoria, reviewed 22 days ago
ANZ Low Rate
Overall 3/10
All banks to greedy

Rates still too high and have to pay for credit card annually

Read full review

Rates still too high and have to pay for credit card annually

Convenience
2/10
Trust
5/10
Less
Ian, New South Wales, reviewed 22 days ago
ANZ Low Rate
Overall 4/10
Explaining why I don’t have a opinion to be honest

Well it’s not a bad bank honestly I don’t have an a opinion

Read full review

Well it’s not a bad bank honestly I don’t have an a opinion

Price
1/10
Features
2/10
Trust
3/10
Less
Lilly, Victoria, reviewed 22 days ago
ANZ Credit Card
Overall 6/10
Good card, wish annual feed were lower

The features of the card are pretty standard. Customer service was good when I had suspected fraud.

Read full review

The features of the card are pretty standard. Customer service was good when I had suspected fraud.

Price
6/10
Features
7/10
Customer service
5/10
Convenience
8/10
Trust
7/10
Less
Julie, New South Wales, reviewed 22 days ago
ANZ Credit Card
Overall 8/10
Try it, you won't be disappointed

Been using ANZ with my credit card for close to 20 years. Never had any problems and always best service.

Read full review

Been using ANZ with my credit card for close to 20 years. Never had any problems and always best service.

Price
9/10
Features
9/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Karen, Queensland, reviewed about 1 month 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:

Credit card quick links