based on 27660 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 October, 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 $0 in the first year

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 in the first year

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 $0 in the first year

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

6261 Reviews

Recent ANZ credit card reviews

ANZ Platinum
Overall 10/10
ANZ is tops for me

ANZ has been my bank for many years. The staff are great, friendly, helpfull and precise. The only fault I have is when my ex went bankrupt for not paying our mortgage I was not contacted to see if I wanted to do something about the situation, I was in hospital at the time and all our mail was going to my ex's business so I was unaware of any financial problems.

Read full review

ANZ has been my bank for many years. The staff are great, friendly, helpfull and precise. The only fault I have is when my ex went bankrupt for not paying our mortgage I was not contacted to see if I wanted to do something about the situation, I was in hospital at the time and all our mail was going to my ex's business so I was unaware of any financial problems.

Price
10/10
Features
5/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Vivienne, Queensland, reviewed 7 days ago
ANZ Credit Card
Overall 1/10
Stay Away

I’d strongly advise anyone thinking of doing business with ANZ to save your time and go elsewhere. I have banked with ANZ for well over 20 years but my last 2 experiences in trying to open new accounts and increase my credit card limit have been nothing short of appalling. Without going into the details of my situation their staff lack general knowledge of the situation they are dealing with and the customer service and wait time is beyond a joke. I will be moving all my business, loans & accounts away from this bank ASAP.

Read full review

I’d strongly advise anyone thinking of doing business with ANZ to save your time and go elsewhere. I have banked with ANZ for well over 20 years but my last 2 experiences in trying to open new accounts and increase my credit card limit have been nothing short of appalling. Without going into the details of my situation their staff lack general knowledge of the situation they are dealing with and the customer service and wait time is beyond a joke. I will be moving all my business, loans & accounts away from this bank ASAP.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Levi, Queensland, reviewed 14 days ago
ANZ Credit Card
Overall 1/10
Appalling service

I applied for a credit card for $3000 and have substantial cash assets, own home, in work and have savings of over $750,000. They badgered at least 5 times for the same documents to process this application which I sent as requested. they were still unable to process this application and repeatedly phoned and emailed requesting the same documents over and over again. Appalling service and unbelievable co-operation to carry out a simple banking request. Thank goodness for American Express who offer totally the opposite service and products.

Read full review

I applied for a credit card for $3000 and have substantial cash assets, own home, in work and have savings of over $750,000. They badgered at least 5 times for the same documents to process this application which I sent as requested. they were still unable to process this application and repeatedly phoned and emailed requesting the same documents over and over again. Appalling service and unbelievable co-operation to carry out a simple banking request. Thank goodness for American Express who offer totally the opposite service and products.

Price
3/10
Features
3/10
Customer service
1/10
Convenience
1/10
Trust
2/10
Less
Stuart, New South Wales, reviewed 22 days ago
ANZ Credit Card
Overall 2/10
Customer service very poor

Customer service very poor, credit card application and online banking setup process very difficult with multiple phone calls required, usually long wait times (30+ min).

Read full review

Customer service very poor, credit card application and online banking setup process very difficult with multiple phone calls required, usually long wait times (30+ min).

Customer service
1/10
Convenience
2/10
Trust
2/10
Less
Tim, New South Wales, reviewed 26 days ago
ANZ Credit Card
Overall 10/10
Swift to act to protect its clients.

We have found ANZ to be competitive, fair and have on occasions to act swiftly to rectify a fraudulent use of my credit card, from an overseas hacker.

Read full review

We have found ANZ to be competitive, fair and have on occasions to act swiftly to rectify a fraudulent use of my credit card, from an overseas hacker.

Price
8/10
Features
8/10
Customer service
9/10
Convenience
9/10
Trust
10/10
Less
Victoria, South Australia, reviewed about 2 months 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