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Compare ANZ Credit Cards

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From 0% introductory rates to rewards, frequent flyer points and exclusive offers, compare ANZ credit cards to find one that suits your needs.

ANZ credit cards come with a wide range of features, including balance transfer offers, reward and frequent flyer points, as well as platinum and black cards. It also offers a variety of credit cards for students and businesses.

This range of ANZ credit cards reflects their status as a global financial organisation. It is one of the Big Four Banks in Australia and among the leading banks in the world. Since opening its doors in Melbourne more than 150 years ago, ANZ has grown to become an international banking institution servicing customers all over Asia, the Pacific and Australia. Here, you can compare ANZ credit cards and apply for the one that fits your circumstances.

ANZ Platinum Credit Card - Exclusive Offer

Exclusive ANZ Platinum Credit Card Offer

Exclusive to this site, pay no annual fee in the first year and take advantage of 0% p.a. for 12 months on balance transfers and 0% p.a. for 3 months on purchases.

  • $0 p.a. annual fee for the first year ($87 p.a. thereafter)
  • 0% p.a. for 3 months (reverts to 19.74% p.a.) on purchases
  • 0% p.a. for 12 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $35,000 p.a.

Compare ANZ credit cards

When you’re comparing different types of credit cards, look at the fees and features to help find one that is right for your spending habits, goals and budget. The main details to compare are the annual fee, the interest rates, rewards, interest-free days and any perks such as insurance.

Rates last updated July 28th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
ANZ Platinum Credit Card - Exclusive Offer
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)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
ANZ Platinum Credit Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Enjoy platinum card benefits with a 24/7 personal concierge and complimentary overseas travel and medical insurance.
ANZ First Visa Credit Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Get up to 44 interest-free days on purchases and take advantage of a low minimum credit limit.
ANZ First Student Card
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal credit card for students with up to 44 days interest-free on purchases. Access your account on the go with the goMoney™ app.
ANZ Low Rate Platinum
11.49% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$99 p.a.
Enjoy platinum benefits with exclusive discounts, complimentary travel and purchase insurances and a 24/7 personal concierge.
ANZ Rewards Black Credit Card
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Receive 75,000 bonus points when you spend $2,500 on eligible purchases within first 3 months and complimentary travel insurance.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
ANZ Frequent Flyer Black
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
ANZ Frequent Flyer Platinum
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
ANZ Frequent Flyer
19.99% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Get 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
ANZ Rewards Credit Card
18.79% p.a.
$0 p.a. annual fee for the first year ($80 p.a. thereafter)
Receive 25,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months from approval.
ANZ Rewards Platinum
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
ANZ Low Rate
12.49% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$58 p.a.
Receive up to 55 days interest-free on purchases, up to 3 additional cardholders at no cost and Mastercard PayPass.
ANZ Business Black
18.99% p.a.
$450 p.a.
Offers premium features including uncapped rewards, travel benefits and tools to manage your business expenses. $150 per additional card.

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Types of credit cards from ANZ

ANZ offers low rate, low fee, rewards and frequent flyer credit cards, as well as business and student options. Depending on your spending habits and budget, you can also choose between standard, platinum or black credit cards from ANZ.

  • Balance transfer credit cards

ANZ balance transfer credit cards are designed to help you repay your existing card debt faster with a promotional low or 0% interest rate. At the end of the introductory period, any remaining balance will attract the standard variable interest rate for that card.

  • Low rate credit cards

ANZ low rate credit cards provide a low, ongoing variable interest rate for purchases. You can choose between a standard low rate card and a platinum card that includes complimentary insurance and exclusive offers through the Mastercard Priceless Cities program.

  • Low fee credit cards

ANZ offers a range of credit cards with competitive annual fees, including no-frills and frequent flyer options. If you pay your balance in full before the end of the statement period, you can also take advantage of interest-free periods for your purchases.

  • Rewards credit cards

ANZ has its own rewards program that allows you to earn points for your everyday credit card spending and redeem rewards including travel, frequent flyer points and merchandise available through the ANZ Rewards catalogue. Depending on the ANZ Rewards credit card you choose, you can earn between 0.5 and 2 points per $1 spent on eligible purchases.

  • Frequent flyer credit cards

These credit cards reward you with Qantas Points per $1 spent on eligible purchases and also come with other travel perks such as up to 75,000 bonus Qantas Points, complimentary international travel insurance and airport lounge passes.

Learn more about frequent flyer credit cards

  • Student credit cards

ANZ student credit cards are designed to offer affordable access to credit, with low or $0 annual fee options and interest-free days on purchases when you pay your balance in full by the due date on each statement. You can also get access to purchase security covers and contactless payments with an ANZ student credit card.

The benefits of banking with ANZ

Here are some of the additional features you can look forward to when you get an ANZ credit card:

  • Internet banking

ANZ offers a comprehensive Internet banking service that you can use to manage your accounts on any compatible desktop, tablet or mobile device. With ANZ Internet Banking, you can activate your card online, access your account details, check your balance, make payments, review statements and update your details.

  • Mobile options

ANZ offers a range of mobile banking solutions, including the ANZ goMoney app. This app is designed to be simple to use without eating into a lot of your mobile data. ANZ also offers mobile payments through the ANZ Mobile Pay service, as well as compatibility with Apple Pay, Android Pay and Samsung Pay. This means you can manage your account details and tap-and-go for payments with a compatible smartphone.

  • Fraud protection

The Falcon anti-fraud protection system from ANZ monitors your account for suspicious transactions around-the-clock. If there are any unusual transactions on your account, ANZ will be in contact to confirm that you’re using the card and not someone else. If you can’t be reached by ANZ, your card will be temporarily blocked until you can be contacted. You're also covered by a Zero Liability Policy against fraudulent transactions, allowing you to get a refund if there are unauthorised charges on your card.

  • Mastercard and Visa — global reach, contactless payments and benefits

ANZ offers both Visa and Mastercard credit cards. Whichever type of card you get, you can benefit from worldwide acceptance, contactless payments and Visa and Mastercard privileges such as Visa Entertainment, which offers discounts on selected experiences like concerts and other events.

Learn more about Visa Entertainment and Mastercard Priceless Cities with our guide

How to apply for an ANZ credit card

You can apply for an ANZ credit card online in around 5 minutes and should get a response within 60 seconds of submitting your completed application. Before you apply, make sure you meet the eligibility requirements for your chosen card. These vary between ANZ cards but generally include:

  • Age. You must be at least 18 years of age to apply for an ANZ credit card.
  • Income. You must have regular income and meet any minimum income requirements that apply for your chosen ANZ credit card.
  • Residency status. Most credit card issuers prefer you to be a citizen or permanent resident of Australia. But with ANZ, you may also be eligible for a credit card if you're a New Zealand citizen holding a special category visa or hold a business investor or student visa with at least nine months remaining.

Information you need for your ANZ credit card application

Have the following details about yourself and your finances handy to assist with your ANZ credit card application.

  • Driver’s licence. If you have an Australian driver’s licence, you can provide the number to verify your identity with the bank.
  • Personal details. This includes information like your contact details, your home address and your email address.
  • Financial details. You will be asked to provide information about your employer and your financial situation (income and expenses). If you’re self-employed, you will need to provide your accountant's contact details to ANZ.

Frequently asked questions

Want to know more about credit cards from ANZ? Here, you'll find answers the most frequently asked questions about ANZ credit cards. You can also get in touch with us using the form at the bottom of the page if you still have a question about ANZ credit cards that we haven't answered.

If you want to access and manage your ANZ credit card online, you’ll need to set up Internet banking first. After you’re approved for an ANZ credit card, you need to give an ANZ customer service agent a call to get a customer registration number and a telecode. You’ll need to change your telecode to something you can remember. Once you have this information, you can complete the registration for Internet banking and ANZ GoMoney by visiting the ANZ website.

ANZ charges 3% of the value of any foreign or Australian currency transaction charged to ANZ Visa, ANZ Mastercard or ANZ Visa PAYCARD credit card where the merchant or financial institution accepting the card is located outside of Australia. Note that this includes payments made online where the company is based overseas.

For an overseas ATM transaction, the Overseas Transaction Fee is calculated on the value of the transaction and any ATM operator fee that you accept when you proceed with the transaction at the ATM.

If you have an ANZ American Express credit card account opened prior to 1 March 2017, separate fees may apply until 5 August 2017 (after which you will no longer be able to use an ANZ Amex card).

A credit card statement details your account activity for the month. Your ANZ credit card statement contains information about credit card transactions, the money deposited on the card, and whether any rewards or frequent flyer points have been awarded to you in the previous statement period. Statements are automatically sent to you in the mail, but you can elect to receive electronic statements if you wish.

If you’re carrying a balance on your ANZ credit card, interest is calculated on a daily basis and charged monthly.

The minimum monthly repayment is a percentage of your total outstanding balance that you must pay back every statement period, which is generally monthly. The minimum monthly repayment is listed in our ANZ credit card application and review pages.

The cost of your annual fee will be charged to your ANZ card in the same way as purchases. If you fail to pay your balance in full by the end of the statement period, your annual fee and total balance will begin to accrue interest. If you have a 0% purchase offer or interest-free days on the card, you won’t be charged interest on the annual fee or other eligible purchases so long as you comply with the terms and conditions.

No, you have to pay the minimum monthly repayment by the due date. This information is listed on your credit card statement. You can’t pay your minimum monthly repayment early. If you don’t make the minimum monthly repayment, you will be charged a late payment fee.

The balances which attract the highest rates of interest will be paid back first and the balances which have the lower rates of interest will be paid back next and so on.

If you pay a bill from your ANZ credit card account, the transaction may be charged as a purchase and it may be charged as a cash advance. It is based on how the biller has set up the BPAY billing service. If the biller accepts credit card payments, then the transaction is a purchase, if not then it’s a cash advance.

If your ANZ credit card offers interest-free days, this allows you to avoid interest charges during each statement period. The number of interest-free days is based on the number of days available for each your statement period. To make use of interest-free days, you must pay your balance in full by the due date on each statement.

If your ANZ credit card is about to expire, ANZ will reissue you with another credit card at the end of the month the card is set to expire.

If you load money onto your ANZ rewards credit card so it has a positive balance, you may still be able to earn points on any eligible purchases you make with the card. However, this will be at ANZ's discretion and it reserves the right to make changes to its reward programs.

If you have an ANZ frequent flyer credit card, your Qantas Points will be credited to your account within 48 hours of the date your ANZ credit card statement is issued.

If you want to cancel your ANZ credit card, make sure that you don’t owe any money on the card. Then call ANZ on 13 22 73 and follow the prompts to cancel your account.

ANZ and American Express will cease to have a business relationship as of March 1st 2017. Existing cardholders can continue to use their Amex card until August 5th 2017.

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NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum Credit Card
St.George Vertigo Platinum Credit Card

Interest rate

12.74

Annual fee

99

Credit Cards Comparison

Rates last updated July 28th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Premium Card - Exclusive Offer
Exclusive to finder.com.au, enjoy a no fee, long-term balance transfer offer with platinum privileges, including travel insurance.
19.74% p.a. 0% p.a. for 24 months $90 p.a. Go to site More info
Qantas American Express Ultimate Card - Online Offer
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and get 2 American Express Airport Lounge entries each calendar year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
St.George Vertigo Platinum
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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