ANZ credit cards offer a wide range of features for both individuals and businesses. When you're comparing different types of credit cards from ANZ or any other issuer, look at the rates, fees and benefits to help you find one that is right for your spending habits and budget.
ANZ Credit Card Offer
ANZ Low Rate
0% p.a. for 22 months on balance transfers with a one-time 1.5% balance transfer fee
Eligibility criteria, terms and conditions, fees and charges apply
ANZ Credit Card Offer
A no-frills card offering with a 0% introductory rate on balance transfers for the first 22 months and a first year annual fee waiver.
$0 first year annual fee ($58 p.a. thereafter)
Interest rate of 12.49% p.a. on purchases
0% p.a. on balance transfers for 22 months with 1.5% BT fee
As well as personal cards, ANZ offers business credit cards with tools to help you manage business expenses. Depending on the card and your business requirements, you could get additional cards for employees, business rewards and the option of a data feed for accounting software programs including Xero, MYOB and Intuit QuickBooks Online.
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:
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 payment and banking options
ANZ offers a range of mobile banking solutions, including the ANZ App. This app is designed to be simple to use without eating into a lot of your mobile data. ANZ also offers compatibility with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay. This means you can manage your account details and tap-and-go for payments with a compatible smartphone or device.
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's. If you can’t be reached by the bank, 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.
Visa — global reach, contactless payments and benefits
ANZ offers Visa credit cards, so you benefit from worldwide acceptance, contactless payments and privileges such as Visa Entertainment, which offers discounts on selected experiences like concerts and other events.
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 are listed 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. You may also be eligible if you are a non-permanent Australian resident with more than 9 months remaining on your Visa.
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.
Personal details. This includes your full name, email address, phone number, residential address and living arrangements. You also need to provide a valid form of ID, such as your Australian driver's license, Medicare card or passport.
Employment details. You will be asked to provide information about your current job, including your role, salary and employer's contact details. If you're self-employed, you'll also need to provide your accountant's details.
Financial details. As well as your salary, you'll need to provide details of any other income, such as government or superannuation payments, savings and shares. You also need to share details of any debts and estimate your regular ongoing expenses, such as rent or mortgage payments, groceries, petrol or insurance premiums.
Once you've submitted your online application for an ANZ credit card, you should get a response within 60 seconds. If you're approved, you should get your card within 5 business days, along with a welcome pack explaining how you can activate and start using your account.
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. If you have another question, you can also get in touch with us using the form at the bottom of the page.
If your credit card is lost or stolen, call ANZ immediately on 1800 033 844 in Australia or +61 3 8693 5077 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.
The following types of business entities are eligible to apply for an ANZ business credit card:
You also need to be authorised to open an account on behalf of the business, and plan to use the account mainly for business purposes. When you apply, you'll need to meet basic eligibility requirements (as outlined for personal cards) and provide similar information on the application.
The documents and details you'll need to provide include:
Business information. Your business's ABN or ACN and the registered address.
Financial information. Details of your business finances and accountant, as well as some basic personal financial information.
Other accounts. Information on whether your business has accounts or a history of lending with ANZ or other financial institutions in Australia. For example, other credit cards or business loans and their limits.
Personal information. You'll need to supply the personal details of each primary signatory and additional cardholders, such as names, dates of birth, addresses and information about assets and liabilities.
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 App by visiting the ANZ website.
ANZ charges 3% of the value of any foreign or Australian currency transaction charged to ANZ Visa, 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.
Your ANZ credit card will expire on the last day of the expiry month listed on your card. So the bank will send you another credit card before this date. If you have not received your ANZ credit card by the date your current card is due to expire, call the bank on 13 22 73 and explain the situation.
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.
You can activate ANZ credit cards online by using the following steps:
Log in to your ANZ Internet Banking account (or create one and then log in).
Select the "Profile" menu and click on "Activate and ANZ Card".
Read the information on the overview page and click "Continue".
Enter the number on the front of your card (this should be 15 or 16 digits long). If you have additional cardholders, you can also activate them during this step by clicking on "Activate any additional cards" and entering the card details.
Click "Submit" to complete this process.
Alternatively, you can activate your ANZ personal credit card by calling 1800 652 033 from Australia or +61 3 8699 6996 if you're overseas.
If you want to cancel a credit card from ANZ, 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 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. As well as credit cards, ANZ offers a range of personal, business and corporate products and services.
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