ANZ credit cards

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.

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ANZ

Key takeaways

  • 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.

Comparison of ANZ Credit Cards

ANZ personal credit cards

Purchase rate p.a.
Bonus points
Points per $ spent
Interest-free period
Balance transfer rate p.a.
Annual fee
Purchase rate p.a.
20.99%
Bonus points
180,000
Points per $ spent
2
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$375
Earn up to 180,000 extra ANZ Reward Points: 130,000 extra points + $100 back when you spend $5,000 on eligible purchases in the first 3 months from approval, and additional 50,000 points when you keep your card for over 15 months from activation.
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ANZ Low Rate - Credit Back Offer image
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$58
Get $400 back on your card when you spend $5,000 on eligible purchases in the first 6 months from approval.
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ANZ Rewards Platinum image
ANZ Rewards Platinum
ANZ Rewards Program
Purchase rate p.a.
20.99%
Bonus points
125,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$149
Earn up to 125,000 bonus ANZ Reward Points: 85,000 points + $50 back when you spend $3,500 in the first 3 months from approval and 40,000 points when you keep your card open for 15 months from activation.
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ANZ Rewards Platinum - Velocity Points image
Purchase rate p.a.
20.99%
Bonus points
80,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$149
Earn up to 80,000 bonus Velocity Points: 60,000 points + $50 back when you spend $3,500 in the first 3 months from approval and 40,000 points when you keep your card open for 15 months from activation.
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ANZ Platinum Credit Card image
Purchase rate p.a.
20.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$0 first year ($87 after)
Earn $450 back to your new card when you spend $4,500 on eligible purchases in the first 4 months from approval. Plus, a $0 annual fee in the first year.
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ANZ Low Rate image
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 26 months
with 3% balance transfer fee, then 21.99%
Annual fee
$0 first year ($58 after)
Save with a 0% p.a. balance transfer for 26 months (with a one-time 3% BT fee). Plus, a $0 first-year annual fee.
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ANZ Frequent Flyer Platinum image
ANZ Frequent Flyer Platinum
Qantas Frequent Flyer
Purchase rate p.a.
20.99%
Bonus points
75,000
Points per $ spent
0.75
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$295
Get 75,000 bonus Qantas Points and $100 back when you spend $2,500 on eligible purchases in the first 3 months.
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ANZ Frequent Flyer Black image
ANZ Frequent Flyer Black
Qantas Frequent Flyer
Purchase rate p.a.
20.99%
Bonus points
130,000
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$425
Get up to 130,000 bonus Qantas Points: 90,000 bonus Qantas Points + $200 back when you spend $5,000 on eligible purchases in the first 3 months from approval, and additional 40,000 points when you keep your card for over 12 months.
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ANZ First image
Purchase rate p.a.
20.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$30
Earn $220 back on your new ANZ First credit card when you spend $1,500 on eligible purchases in the first 3 months from approval.
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ANZ business credit cards

Interest-free days
Cash advance rate p.a.
Purchase rate p.a.
Annual fee
ANZ Business Black image
Up to 55 days on purchases
21.74%
Intro purchase rate
20.24%
$375
ABN holders w/ $75k revenue. Earn up to 150,000 extra ANZ Reward Points when you meet the spend requirements (worth over $500 digital gift card) and 24/7 access to ANZ Global Business Concierge.
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ANZ Qantas Business Rewards image
Up to 55 days on purchases
21.74%
Intro purchase rate
20.24%
$375
ABN holders w/ $75k revenue. Get up to 150,000 bonus Qantas Points when you meet the spend requirements, uncapped Qantas Points and complimentary travel insurance. Plus, a fast-track to Qantas Business Rewards Level 2.
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ANZ Business Low Rate image
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14.49%
Intro purchase rate
12.99%
$0 first year ($100 after)
Get a $0 first-year annual fee and $0 fee per additional card. Plus, Unauthorised Transactions Insurance.
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ANZ Business 55 Interest Free Days image
Up to 55 days on purchases
19.24%
Intro purchase rate
17.74%
$0 first year ($150 after)
Get a $0 annual fee in the first year, additional cards for employees and Unauthorised Transactions Insurance.
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Find a better credit card

Take our easy quiz and find the right card for you.

Finder Awards badge

Congratulations, ANZ!

ANZ was a big winner in the 2025 Finder Awards.

  • Winner, Best Rewards Credit Card: Rewards Black Credit Card
  • Highly commended, Best Qantas Frequent Flyer Credit Card: Frequent Flyer Black
  • Highly commended, Best Small Business Rewards Credit Card: Business Black
  • Highly commended, Best Business Frequent Flyer Credit Card: Qantas Business Rewards
  • Highly commended, Best Low Interest Business Credit Card: Business Low Rate

Full list of 2025 credit card winners

What do Australians think of ANZ credit card provider?

  • 3.97/5 overall for Customer Satisfaction - lower than the average of 4.06
  • 4.33/5 for Trust - lower than the average of 4.4
  • 3.92/5 for Customer Service - lower than the average of 4.06

Based on ANZ credit card provider scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

Richard Whitten's headshot
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."

Senior Money Editor

Benefits of getting a credit card with ANZ

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

Compare other products from ANZ

Your reviews

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All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.

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


★★★★★ (VIC) 2 years ago

Via customer survey commissioned by Finder


★★★★★ Daniel (VIC) 2 years ago

Via customer survey commissioned by Finder

Easy to use and low fees


★★★★★ (WA) 2 years ago

Via customer survey commissioned by Finder


Amy Bradney-George's headshot
Journalist

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:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability

Read more on Credit Cards

  • ANZ Qantas Business Rewards Credit Card

    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.

  • ANZ Low Rate Credit Card – Credit Back Offer

    Receive $400 back to your card with this promo offer. Plus, save with a competitive 13.74% p.a. purchase rate.

  • ANZ Platinum Credit Card

    This platinum card offers a $0 first-year annual fee, $450 credit back offer and complimentary insurance covers.

  • ANZ Business Black Card

    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?

  • ANZ Business Low Rate

    Compare the features of this low rate business credit card designed to help your company manage employee expenses.

  • ANZ Business 55 Interest Free Days

    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.

  • ANZ Rewards Platinum Credit Card

    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.

  • ANZ Low Rate Credit Card

    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.

  • ANZ Frequent Flyer Platinum Credit Card

    Earn Qantas Points as you spend, enjoy complimentary travel insurance and take advantage of an introductory offer on the ANZ Frequent Flyer Platinum.

  • ANZ First

    This entry-level card offers a $220 credit back offer and mobile payments through Apple Pay, Google Pay, Samsung Pay and Garmin Pay.

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