7.1/10

Based on 28540 ANZ product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

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. 

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 5 October 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 customer reviews
Overall
6.7/10
Price
5.7/10
Features
5.9/10
Customer service
6.7/10
Convenience
7.5/10
Trust
6.9/10
Based on 6328 ANZ product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent ANZ credit card reviews

ANZ Credit Card
Overall 7/10
Great bank to use - confusing fees on credit cards

I've been with ANZ for over 10 years - the app is easy to use and the staff are always friendly. I got my first car loan through them when I was 18 years old and the process was easy and straight forward. I just wish they were more clear on the credit card fees and charges.

Read full review

I've been with ANZ for over 10 years - the app is easy to use and the staff are always friendly. I got my first car loan through them when I was 18 years old and the process was easy and straight forward. I just wish they were more clear on the credit card fees and charges.

Price
6/10
Features
6/10
Customer service
8/10
Convenience
10/10
Trust
10/10
Less
Natassia, New South Wales, reviewed 15 days ago
ANZ Low Rate
Overall 2/10
Sneaks in fees that they change after sign up

No annual fee when you sign up but then they give an annual fee the following year - I haven't even used the card once, it's only for emergencies so chose a low rate card.

Read full review

No annual fee when you sign up but then they give an annual fee the following year - I haven't even used the card once, it's only for emergencies so chose a low rate card.

Price
1/10
Convenience
10/10
Trust
4/10
Less
Marney, Victoria, reviewed about 1 month ago
ANZ Low Rate
Overall 6/10
Decent low rate no-frills Credit card

The interest rate is reasonably low and ANZ frequently runs good value balance transfer promotions.

Read full review

The interest rate is reasonably low and ANZ frequently runs good value balance transfer promotions.

Price
7/10
Features
4/10
Customer service
6/10
Convenience
6/10
Trust
6/10
Less
Christina, New South Wales, reviewed about 1 month ago
ANZ Credit Card
Overall 7/10
Good bonus points but customer service is poor

I have an ANZ Rewards Black card and it has a very good points redemption and extra features, however the annual fee is very high. It’s difficult to get in touch with ANZ customer service because their chat functionality is so difficult to use and behaves strangely, so I’m hesitant to recommend it. They do have good offers for new customers though, and you can get a large amount of bonus points when signing up.

Read full review

I have an ANZ Rewards Black card and it has a very good points redemption and extra features, however the annual fee is very high. It’s difficult to get in touch with ANZ customer service because their chat functionality is so difficult to use and behaves strangely, so I’m hesitant to recommend it. They do have good offers for new customers though, and you can get a large amount of bonus points when signing up.

Price
4/10
Features
6/10
Customer service
4/10
Convenience
9/10
Trust
8/10
Less
Cassandra, Victoria, reviewed about 1 month ago
ANZ Frequent Flyer Black
Overall 1/10
Avoid

Sadly they cannot organise anything. Direct debit, extra cards, call backs .. all go ignored. Avoid ANZ, I'm surprised they even offer a help line based on how useless they are.

Read full review

Sadly they cannot organise anything. Direct debit, extra cards, call backs .. all go ignored. Avoid ANZ, I'm surprised they even offer a help line based on how useless they are.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Anon, Western Australia, reviewed 5 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:

Credit card quick links