ANZ has credit cards for everyone, whether you need a low rate card, a long balance transfer offer or want to earn Qantas Points. ANZ has its own rewards program and offers low rate cards as well.
As one of Australia's Big Four banks, ANZ offers tons of credit card options for both personal and business use.
If you're looking for a rewards or a frequent flyer credit card, you'll earn uncapped points for your everyday spending and redeem them for flights, gift cards, cashback and more.
Our expert says: Is an ANZ credit card right for you?
"With any Big Four bank you know you're getting a decent app and a big variety of cards to pick from. ANZ has low rate cards and a competitive balance transfer offer. And the ANZ Black cards score very well in the frequent flyer and rewards categories: ANZ cards won the Best Rewards Credit Card at the 2025 Finder Awards. And other black cards were highly commended in the Best Qantas Frequent Flyer, Best Small Business Rewards Credit Card, Best Business Frequent Flyer Credit Card and the Best Business Low Rate Credit Card categories."
Every ANZ credit card comes with its own mix of features, but these are the benefits you'll get with any of them:
Mobile payments
You can add your ANZ credit cards to digital wallets like Apple Pay, Google Pay and Samsung Pay, so you can pay straight from your mobile phone or device.
ANZ credit card security
Every ANZ credit card comes with 24/7 security protection through ANZ Falcon, which detects and notifies you of any unusual account activity. You're also covered by the ANZ Fraud Money Back Guarantee and Visa Secure for online shopping.
How to apply for a ANZ credit card
Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age, and you'll need to meet minimum income requirements (which vary depending on the card). For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.
Frequently asked questions
If your credit card is lost or stolen, call ANZ immediately on 1800 033 844 in Australia or +61 3 8699 6955 if you're overseas. For other enquiries, you can use one of the following numbers:
General credit card enquiries about an existing ANZ account: 13 22 73
For new ANZ credit card applications: 13 33 33.
If you have an ANZ frequent flyer credit card, your Qantas Points will automatically be credited to your Qantas Frequent Flyer account every month.
You can cancel your ANZ credit card through Internet banking or by filling in a form on the ANZ website.
You can also cancel your account by calling ANZ on 13 22 73, visiting a branch or mailing a written request to ANZ.
Note that you'll need to pay the full account balance, including any annual fees and interest charges, before your account can be fully closed.
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10 of 115 reviews
★★★★★Brummie (QLD) 2 years ago
Via customer survey commissioned by Finder
Just another bank
★★★★★ (WA) 2 years ago
Via customer survey commissioned by Finder
★★★★★ (WA) 2 years ago
Via customer survey commissioned by Finder
★★★★★ (VIC) 2 years ago
Via customer survey commissioned by Finder
★★★★★Peter (SA) 2 years ago
Via customer survey commissioned by Finder
can be used worldwide with no issues
★★★★★ (WA) 2 years ago
Via customer survey commissioned by Finder
★★★★★BJ (SA) 2 years ago
Via customer survey commissioned by Finder
ANZ for all finacial needs and products easy and eliable
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio
Amy's expertise
Amy has written 514 Finder guides across topics including:
With up to 150,000 bonus Qantas Points and complimentary insurances, the ANZ Qantas Business Rewards Credit Card could be an appealing option for business owners.
This business rewards credit card offers up to 150,000 extra ANZ Reward Points, transfers to Velocity Frequent Flyer and data feeds for accounting software. So is it right for you?
Compare the features of this ANZ business credit card, including accounting software data feeds, additional cards for employees and up to 55 interest-free days on purchases.
The ANZ Rewards Platinum Credit Card offers a competitive rewards program, up to 125,000 bonus ANZ Reward Points and a range of complimentary insurance covers.
Save with a 0% p.a. interest rate on balance transfers for 26 months. Plus, enjoy a $0 annual fee in the first year and a competitive 13.74% p.a. purchase rate.
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