ANZ American Express Credit Cards

Information verified correct on December 8th, 2016

ANZ and American Express have partnered to offer you premium card benefits including Qantas Points on eligible purchases, bonus points and complimentary domestic flights.

American Express credit cards are renowned for increased spending power, superior rewards and exclusive privileges that might not be available with other credit cards. While they're not as widely accepted as other payment networks in Australia, such as Visa or Mastercard, American Express offers perks to many types of cardholders.

ANZ has combined the perks of Visa and American Express with their dual credit cards that give you the opportunity to spend with either of the payment networks with two separate cards under one account. If you're weighing up whether or not to get a single or dual card, you can use this guide to discover the benefits of owning an ANZ American Express credit card and how it could suit your finances.

ANZ American Express credit cards reviewanz logo

ANZ offer cardholders the option of either Visa or American Express with their dual-branded cards. With seven different cards available, each allows you to spend on either Visa or American Express. While Visa may have wider acceptance in Australia, the American Express part of your card usually has a higher earn rate when earning rewards per dollar spent and gives you access to exclusive AMEX benefits.

Just like any other card, your purchases on either your Visa or American Express card will all come under the one account. This means that you'll have one statement that'll detail all of the purchases and transactions you've made on both of the payment networks.

The ANZ cards that currently let you use both a Visa and American Express card include:

How do ANZ American Express credit cards work?american express logo

Some of the features and benefits you can expect from using an ANZ American Express credit card include:

  • One annual fee. As both of your credit cards are on the same account, you will only have to pay one annual fee for the two cards. This will save you money in the long run, as you are essentially getting two credit cards but only paying the fees for one account.
  • Combined account statement. While you'll be given one card, you will not have to deal with having multiple bank statements. Any transactions that are made on either credit card will be shown on one account statement. You will not have the stress of sorting through multiple statements, as everything will be clearly listed on a single statement.
  • Single credit limit. While you'll have the option to pay with two different payment networks, you'll still have on credit limit under the single account, which will make it easier to track your budget and keep your finances in control.
  • A primary account for your rewards. Generally, American Express credit cards earn more points per dollar than Visa or Mastercard products. However, with the flexibility of both Visa and American Express, you can enjoy both accessibility and high earn rates and pool all of your points in one account. So if you see that American Express is accepted somewhere, you might want to use that card to make a purchase and leave the other card for where AMEX is excluded.
  • Premium perks. From the Visa part of your card, you can take advantage of perks from Visa Entertainment. From access to pre-sale concert  tickets, exclusive competitions and discounted prices, you'll enjoy VIP benefits that are only available to Visa cardholders. Meanwhile, with access to an American Express, you can also take advantage of lounge invites, competitions and reserved tickets for concerts and other entertainment events with American Express Invites. Some ANZ American Express credit cards also offer complimentary domestic flights and exclusive lounge access, which could come in handy for frequent flyers.

Learn more about ANZ Credit Cards

How to apply for an ANZ American Express credit card

If you find an ANZ credit card that suits your finances, you can apply by clicking on the green 'Go to Site' button on finder. While each card will have its own eligibility requirements, you'll need to make sure you meet the following criteria and organise the necessary documents before you apply:

Eligibility requirements

  • Age. Cardholders must be at least 18 years of age.
  • Residential status. Depending on the card, you'll either have to be a permanent resident of Australia or hold a 457 working visa to apply.
  • Credit history. You'll need to have a healthy credit history to receive approval.
  • Minimum income. You'll need to meet a minimum annual income to apply.

Necessary information and documents

  • Proof of identification. You'll need to provide proof of identification such as your passport, drivers licence or medicare card.
  • Income information. To prove you meet the minimum income requirement, you'll need to provide copies of payslips, bank statements and any information regarding assets or other forms of income.
  • Self-employed. If you're self-employed, you'll need to provide your accountant's contact details and information.

If you're looking for more flexibility with your ANZ credit card, consider a dual card that offers both Visa and American Express capabilities to enjoy worldwide access, premium perks and higher earn rates on rewards.

Frequently asked questions

How do I earn rewards points?

You can earn reward points on all eligible purchases spent using the card. These purchases usually exclude cash advance, balance transfers, gambling transactions and some government payments. Depending on the card and whether you use Visa or American Express, you could earn between 0.5 points and 3 points per $1 spent. Generally, the American Express card has a higher earn rate than the Visa card, so you might want to use your AMEX where it's accepted if you're looking to earn points on your daily expenses.

Depending on the card you use, you'll either earn reward points with the ANZ Rewards Program or the Qantas Frequent Flyer program.

Where can I use my ANZ American Express?

You can use your American Express ANZ credit card at a variety of locations including supermarkets, convenience stores, department stores and fuel stations around Australia. Some popular brands include BP fuel stations, Event Cinemas, BWS, Big W, Woolworths and The ICONIC.

You can see a full list of where you can use your American Express credit card here.

How are purchases made with my ANZ American Express card?

You can use your ANZ dual credit card to make purchases in the same way you would any other type of credit card. While you have one account, you'll be given two cards. One will be a Visa card and the other will be an American Express card. Each of these cards will have separate PINs and you should be able to use them EFTPOS transactions, ATM withdrawals, online purchases and contactless payments.

Comparison of ANZ Credit Cards

Rates last updated December 8th, 2016.

ANZ Low Rate

A new offer of $100 Back and 0% p.a. for the first 6 months on purchases.

October 12th, 2016

ANZ Frequent Flyer Platinum

50,000 bonus points offer has been extended, plus a new offer of $0 annual fee for the first year.

November 29th, 2016

ANZ Frequent Flyer

25,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.

November 29th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 18 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 bonus points after your first eligible purchase within the first three months and up to 3 reward points for every dollar spent.
18.79% p.a. $375 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
A credit card which lets you earn 1 reward point for every dollar spent on eligible purchases with your VISA card and 2 reward points with your AMEX card. Receive 50,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval.
18.79% p.a. $95 p.a. Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Plus enjoy a waived annual fee for the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
ANZ Rewards Credit Card
Get 25,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval and earn 1.5 points per dollar spent.
18.79% p.a. $80 p.a. Go to site More info
ANZ Business Black
Receive rewards points and get access to a range of premium rewards and travel benefits.
18.99% p.a. $450 p.a. More info
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10 Responses to ANZ American Express Credit Cards

  1. Default Gravatar
    Chris | October 21, 2015

    Can you tell me what fees are charged each time I use the card?

    • Staff
      Ysa | October 22, 2015

      Hi Chris,

      Thanks for your inquiry.

      Generally, there are certain fees charged on ANZ American Express credit cards whenever you use your card to make a purchase, such as ATM withdrawal fee and foreign currency conversion fee (when making a purchase in a foreign country using foreign currency).

      To allow me to assist you further, could you please specify which credit card you are inquiring about today?

      Cheers,
      Ysa

  2. Default Gravatar
    SU | July 15, 2015

    I just start using Amex credit card and realized my ANZ Amex credit card can’t be linked to my ANZ bank account.

    Q1. Please let me know how I can pay for my Amex credit card?
    Q2. Please let me know how I can check my earning points on line?

    Note: I haven’t received any statement for ANZ Amex credit card

    Regards

    • Staff
      Sally | July 16, 2015

      Hi SU,

      Thank you for your inquiry.

      You can have different options on paying your Amex credit card such as thru online, direct debit, BPAY or Australia Post. You can also make payment by mail, a phone call or pay in person with cash or cheque at Australia Post Offices or American Express Foreign Exchange Offices in Australia.

      To check your rewards points, you can sign up or login to Amex website. You can also enquire via the automated call or speak to Amex Customer Care Professional. I have emailed you the related links where you can login to check your points and where you can speak to their customer service.

      I hope these answer your questions.

      Cheers,

      Sally

  3. Default Gravatar
    andrea | August 11, 2014

    I am trying to fax thru a remit to AMEX but the line has been busy for 3 days
    is there another fax number or email that we can use so that the monies get allocated to the correct company cards
    thank you

    • Staff
      Shirley | August 11, 2014

      Hi Andrea,

      Please contact the customer service centre at American Express regarding this, they may be able to provide an alternative email or number for you.

      All the best,
      Shirley

  4. Default Gravatar
    ernie | February 26, 2014

    Today I received among my post a letter from yourselves, though the letter I had been opened before I received, it was addressed to myself. within the envelope was a letter from your company. whilst the letter itself was to another person and along with this was a credit card with the. same name. the person concerned lives in redwood park, letter dated 18/02/2014. What do you wish me to do with this card? I myself live in the UK. I look forward to your reply.

    • Staff
      Jacob | February 26, 2014

      Hi, Erine.

      Thanks for getting in touch with us (finder.com.au). Although I can’t speak on behalf of ANZ or the person who the card was supposed to be send to, you should cut the card up.

      If you feel you would like to take the matter further, please contact ANZ over the phone or through one of their social media channels. Twitter is a good option. Please let them know what you’ve told us.

  5. Default Gravatar
    Cheryl | October 24, 2013

    Recently I purchased flights from our travel agent, paid by our ANZ/American Express card. I am on the understanding that by using this card I have automatic travel insurance and there is no need to purchase separate travel insurance for our two week holiday. Can you please confirm.

    • Staff
      Shirley | October 25, 2013

      Hi Cheryl,

      Thanks for your comment.

      You need to have spent $250 of your travel expenses on your eligible ANZ credit card.

      I’ve emailed you a PDF of the t&cs, please refer to page 15.

      Hope this helps,
      Shirley

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