Compare ANZ Credit Cards

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Compare low fee, low rate, rewards, frequent flyer credit cards, an exclusive offer from ANZ and find the card that suits your needs.

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. ANZ is among the leading hundred banks in the world and the range of ANZ credit cards reflects their status as a global financial organisation.

If you’re budget-conscious, ANZ offer low fee and low rate credit cards. There are platinum versions of these products too if you’re looking for a little extra. The super-premium black frequent flyer and rewards credit cards take earning points to a new level, but if the glitz of a black card isn’t your thing, there are entry level rewards cards to suit your budget too.

ANZ Platinum Credit Card - Exclusive Offer

Exclusive ANZ Platinum Credit Card Offer

Exclusive to this site, pay no any 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) annual fee
  • 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.

Comparison of ANZ Credit Cards

Rates last updated April 24th, 2017.

ANZ Rewards Platinum

A new offer of $250 Westfield Gift Card on eligible spend plus $0 annual fee for the first year

March 1st, 2017

ANZ Frequent Flyer Black

A new offer of 75 Bonus Status Credit which is valid until 30 June 2017.

March 8th, 2017

ANZ Low Rate

$100 cashback and intro purchase rate have been discontinued. New BT offer of 0% p.a. for 16 months.

March 15th, 2017

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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 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 16 months with 2% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 16 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $30 p.a. 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 Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Rewards Black Credit Card
Receive a $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval and $0 annual fee for the first year. Earn reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) 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
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) 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 Qantas Points for spending.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) 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
Receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval plus $0 annual fee for the first year.
18.79% p.a. $0 p.a. annual fee for the first year ($80 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
A credit card which lets you earn points for every dollar spent on eligible purchases. Receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval and enjoy a waived annual fee for the first year.
18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Go to site More info
ANZ Business Black
Earn rewards points and get access to a range of premium rewards and travel benefits.
18.99% p.a. $450 p.a. More info

Types of ANZ Credit Cards

If you’re comparing different types of credit cards, look at the fees and features. The annual fee, the rates of interest, interest-free days and perks like insurance are the main points of difference between credit cards. ANZ have multiple products in each card category, so whether you want a low rate, low fee, rewards or frequent flyer credit card, you have a couple of options to choose from.

  • Balance transfer credit cards

ANZ offers competitive balance transfer promotions to help you repay your existing credit card debt at a lower interest rate. You'll need your existing credit card details to apply, so have these details on hand to save time when applying. Once your application has been approved, it will take around 3-15 business days to transfer your existing credit card debt to your new ANZ credit card. To learn more about the step by step process for ANZ balance transfer, check our guide here.

Rates last updated April 24th, 2017
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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
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 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
0% p.a. for 16 months with 2% balance transfer fee 11.49% p.a. $99 p.a. Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
0% p.a. for 16 months with 2% balance transfer fee 12.49% p.a. $58 p.a. Go to site More info
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 16 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
0% p.a. for 16 months with 2% balance transfer fee 19.74% p.a. $30 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.
0% p.a. for 16 months with 2% balance transfer fee 19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Rates last updated April 24th, 2017
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
0% p.a. for 18 months with 1.5% balance transfer fee 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
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 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 12 months 0% p.a. for 6 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
HSBC Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
0% p.a. for 15 months with 2% balance transfer fee 13.25% p.a. $55 p.a. Go to site More info
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
0% p.a. for 18 months with 3% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
Citi Rewards Platinum Credit Card
A long-term balance transfer offer with the Citi Rewards Platinum Card. Earn extra points on eligible international spend, plus complimentary travel insurance.
0% p.a. for 24 months with 1.5% balance transfer fee 20.99% p.a. $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
NAB Premium Card
Benefit from premium credit card advantages including travel insurance, Platinum Concierge Service plus 0% p.a. for 24 months on balance transfers.
0% p.a. for 24 months with 3% balance transfer fee 19.74% p.a. $90 p.a. Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low annual fee card with a low introductory rate of 0% p.a. on balance transfers for 18 months.
0% p.a. for 18 months with 3% balance transfer fee 19.74% p.a. $30 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 12 months and an introductory purchase offer of 0% p.a. for 6 months.
0% p.a. for 12 months 0% p.a. for 6 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
0% p.a. for 16 months with 2% balance transfer fee 11.49% p.a. $99 p.a. Go to site More info
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017. Also, enjoy a long-term balance transfer offer and an annual fee waiver for the first year.
0% p.a. for 14 months 19.99% p.a. $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
  • Low rate credit cards

ANZ offers a standard low rate product for an annual fee of just $58. If you want more than just a way to make cheap purchases, there’s the ANZ Low Rate Platinum Credit Card. The Low Rate Platinum MasterCard has a higher annual fee, but combines the benefits of a low purchase rate of interest, complimentary insurance and MasterCard Platinum Privileges.

Rates last updated April 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Up to 55 days on purchases Go to site More info
Rates last updated April 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
HSBC Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Up to 55 days on purchases Go to site More info
CUA Low Rate Credit Card
A low rate credit card which features a long-term balance transfer offer, a low ongoing interest rate on purchases and a waived annual fee for the first year.
11.99% p.a. 0% p.a. for 13 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Up to 55 days on purchases Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Up to 55 days on purchases Go to site More info
Bendigo Bank Basic Black Credit Card
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
12.24% p.a. $45 p.a. Up to 44 days on purchases Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 12 months and 0% p.a. for 6 months on purchases combined with complimentary insurance covers.
0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 months $99 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum - Online Only Balance Transfer Offer
Enjoy a long-term balance transfer offer of 3% p.a. for 36 months when you apply online, plus complimentary insurance covers and a personal concierge service.
12.74% p.a. 3% p.a. for 36 months $99 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
0% p.a. for 6 months (reverts to 13.49% p.a.) 0% p.a. for 12 months $59 p.a. Up to 55 days on purchases Go to site More info
Virgin Money Low Rate Credit Card
Enjoy a low ongoing purchase rate with an introductory rate on balance transfers and a competitive annual fee.
11.99% p.a. 0% p.a. for 12 months $99 p.a. Up to 44 days on purchases Go to site More info
  • Low fee credit cards

The ANZ First Visa has a competitive annual fee of $30, whereas the ANZ Platinum Card has a $0 annual fee for the first year and $87 p.a. thereafter. If you pay your balance in full before the end of the statement period, you can also take advantage of interest-free days periods.

Rates last updated April 24th, 2017
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 16 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
$30 p.a. 19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee 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.
$0 p.a. annual fee for the first year ($87 p.a. thereafter) 19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee Go to site More info
ANZ Rewards Credit Card
Receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval plus $0 annual fee for the first year.
$0 p.a. annual fee for the first year ($80 p.a. thereafter) 18.79% 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.
$0 p.a. annual fee for the first year ($95 p.a. thereafter) 19.99% 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 Qantas Points for spending.
$0 p.a. annual fee for the first year ($295 p.a. thereafter) 19.99% p.a. Go to site More info
ANZ Rewards Platinum
Receive $250 Westfield Gift Card when you spend $2,500 within 60 days from card approval and enjoy no annual fee for the first year.
$0 p.a. annual fee for the first year ($95 p.a. thereafter) 18.79% p.a. Go to site More info
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. annual fee for the first year ($87 p.a. thereafter) 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months Go to site More info
ANZ Rewards Black Credit Card
Receive a $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval and $0 annual fee for the first year. Earn reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
$0 p.a. annual fee for the first year ($375 p.a. thereafter) 18.79% p.a. Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
$0 p.a. annual fee for the first year ($425 p.a. thereafter) 19.99% p.a. 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.
$0 p.a. annual fee for the first year ($30 p.a. thereafter) 19.74% p.a. Go to site More info
Rates last updated April 24th, 2017
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
Citi Simplicity Card
Pay no annual fee ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
$0 p.a. 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee Go to site More info
Coles No Annual Fee MasterCard
Pay no annual fee ever and receive $50 off a single Coles Supermarket shop when you apply and get approved by 30 April 2017.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
$0 p.a. 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
Coles Platinum No Annual Fee MasterCard
Receive $50 off a single Coles Supermarket shop, pay no annual fee for the life of the card and enjoy up to 62 interest-free days on purchases with platinum card benefits.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
CUA Low Rate Credit Card
A low rate credit card which features a long-term balance transfer offer, a low ongoing interest rate on purchases and a waived annual fee for the first year.
$0 p.a. annual fee for the first year ($49 p.a. thereafter) 11.99% p.a. 0% p.a. for 13 months Go to site More info
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. annual fee for the first year ($87 p.a. thereafter) 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
$149 p.a. 19.99% p.a. 0% p.a. for 15 months Go to site More info
Qantas American Express Discovery Card
Take advantage of no annual fee for the life of the card plus earn 1 Qantas Frequent Flyer point per $1 spent.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
$0 p.a. annual fee for the first year ($195 p.a. thereafter) 19.99% p.a. 4.99% p.a. for 6 months Go to site More info
CUA Platinum Credit Card
Enjoy a long-term balance transfer offer combined with an annual fee waiver for the first year.
$0 p.a. annual fee for the first year ($149 p.a. thereafter) 19.99% p.a. 0% p.a. for 13 months Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
$0 p.a. annual fee for the first year ($425 p.a. thereafter) 19.99% p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you apply online and meet the minimum spend requirement, plus earn up to 2 points for every $1 you spend, together with a $0 annual fee.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first year.
$0 p.a. annual fee for the first year ($195 p.a. thereafter) 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
ANZ Rewards Platinum
Receive $250 Westfield Gift Card when you spend $2,500 within 60 days from card approval and enjoy no annual fee for the first year.
$0 p.a. annual fee for the first year ($95 p.a. thereafter) 18.79% 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 Qantas Points for spending.
$0 p.a. annual fee for the first year ($295 p.a. thereafter) 19.99% p.a. Go to site More info
NAB Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
$0 p.a. annual fee for the first year ($175 p.a. thereafter) 18.50% p.a. Go to site More info
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017. Also, enjoy a long-term balance transfer offer and an annual fee waiver for the first year.
$0 p.a. annual fee for the first year ($49 p.a. thereafter) 19.99% p.a. 0% p.a. for 14 months Go to site More info
  • Rewards credit cards

The following credit cards are linked to the ANZ Rewards Program. Depending on the card, you can earn between 0.25 and 2 points on every dollar spent on eligible purchases. These can then be redeemed for domestic and international flights, hotels, entertainment packages, vouchers and gift cards and homewares.

Rates last updated April 24th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
ANZ Rewards Credit Card
Receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval plus $0 annual fee for the first year.
0.5 $0 p.a. annual fee for the first year ($80 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
Receive a $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval and $0 annual fee for the first year. Earn reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
1 $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
Receive $250 Westfield Gift Card when you spend $2,500 within 60 days from card approval and enjoy no annual fee for the first year.
0.5 $0 p.a. annual fee for the first year ($95 p.a. thereafter) 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.
0.5 $225 p.a. Go to site More info
Rates last updated April 24th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
1 80,000 bonus points $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
0.5 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
1 0 $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges. Earn 1 Citi Reward Points for every $1 spent on eligible domestic and international spend.
1 0 $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
Earn points for every dollar spent on purchases. Receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval, plus pay a $0 for the first year.
0.5 $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
1 0 60,000 bonus points $199 p.a. Go to site More info
NAB Rewards Classic Card
Receive 40,000 bonus points when you spend $1,500 on everyday purchases within 90 days from card approval, earn rewards points per $1 spent, and enjoy a $0 annual fee for the first year.
0.75 40,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 $0 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 3 months of card membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. Go to site More info
ANZ Rewards Black Credit Card
Receive a $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval and $0 annual fee for the first year. Earn reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
1 $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Receive 50,000 bonus Velocity Points when you apply online, are approved and meet the minimum spend required, plus take advantage of the 0% p.a. for 12 months balance transfer offer. Also receive a complimentary return flight every year.
0 1 50,000 bonus points $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first year.
0 1 5,000 bonus points $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you apply online and meet the minimum spend requirement, plus earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 7,500 bonus points $0 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive up to 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
1 0 30,000 bonus points $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
0.66 0 $129 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.
0.5 $225 p.a. Go to site More info
Qantas American Express Discovery Card
A no annual fee frequent flyer credit card which lets you earn 1 Qantas Point per $1 spent.
1 $0 p.a. Go to site More info
Qantas American Express Premium Card
Earn 60,000 bonus Qantas Points when you apply as a new card member and meet the minimum spend requirement. Plus enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
1.25 60,000 bonus points $249 p.a. Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 reward points per $1 spent.
1 40,000 bonus points $295 p.a. Go to site More info
 
  • Frequent flyer credit cards

These credit cards reward you with Qantas Points when you make an eligible purchase. You can redeem these points for flights with Qantas and its partners, accommodation with hotel partners, car hire and products ranging from fashion and beauty to tech and entertainment from the Qantas Store. These cards also come with other travel-focused features such as up to 75,000 bonus Qantas Points and complimentary international travel insurance

Rates last updated April 24th, 2017
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
ANZ Frequent Flyer
ANZ Frequent Flyer
25,000 bonus points 0.25 $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.5 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Rates last updated April 24th, 2017
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
American Express Explorer Credit Card
American Express Explorer Credit Card
100,000 bonus points 2 $395 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.5 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
60,000 bonus points 1 0 $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Essential®  Credit Card
American Express Essential® Credit Card
1 $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 $129 p.a. Go to site More info
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card
75,000 bonus points 1.5 $450 p.a. Go to site More info
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
5,000 bonus points 0 1 $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 1 $0 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points 1 0 $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
ANZ Rewards Travel Adventures card
0.5 $225 p.a. Go to site More info
Qantas American Express Premium Card
Qantas American Express Premium Card
60,000 bonus points 1.25 $249 p.a. Go to site More info
Learn more about Frequent Flyer Credit Cards

  • Student credit cards

If you're still studying, you could apply for an ANZ Student Credit Card. Combining a low rate, low fee and a low minimum credit limit, it's a more affordable option for students and first time cardholders. Plus, with interest-free days, purchase security covers and payWave capability, there are plenty of ways to save on costs and shop conveniently and safely with a student credit card.

Rates last updated April 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
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) Up to 44 days on purchases Go to site More info
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 16 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
Rates last updated April 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ First Student Card
Student credit card with no annual fee for the first year and up to 44 days interest-free on purchases.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 44 days on purchases Go to site More info
Bankwest Breeze MasterCard
Enjoy an introductory rate of 0% p.a. on balance transfers for 21 months (2% balance transfer fee applies). Limited time only.
12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum
A platinum credit card with a low interest rate on purchases, a competitive annual fee plus Visa Platinum privileges.
14.99% p.a. $99 p.a. Up to 55 days on purchases Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 15 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cash back on retail purchases.
19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info

The benefits of banking with ANZ

ANZ, Visa and Mastercard work together to provide more than just a product that gives you access to credit. When you apply for an ANZ credit card, you get extras like:

  • Internet banking — ANZ goMoney

goMoney is mobile banking application for smartphones and tablets. Once you’ve registered for Internet banking, you can download and login to the application using your customer reference number and telecode. This app has been made so it’s light on mobile data and has a simple user interface. goMoney compliments the ANZ Internet banking facility well. Between your desktop and smartphone, you’re able to manage your account(s), make payments and view recent transactions anywhere in the world, 24/7.

  • Fraud protection — ANZ Falcon

Falcon anti-fraud protection from ANZ monitors your account for suspicious transactions around-the-clock. If they find a transaction that looks out of the ordinary, 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 to protect your finances. If you are the victim of credit card fraud, ANZ will give you a full refund on the stolen funds.

  • Mastercard and Visa — global reach, contactless payments & privileges

ANZ works with both Visa and Mastercard to provide credit cards. Some cards are a Visa card, and other cards are a Mastercard card. Whichever 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.

How to apply for an ANZ credit card

You can apply online for any of the ANZ credit cards listed on this page by clicking 'Go to Site'. There are some eligibility requirements you must meet if you want to apply. These generally include a minimum age of 18, a good credit history and meeting a minimum income requirement (that will vary from card to card). Unlike other credit card issuers, you don't need to be a permanent resident to apply for an ANZ 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, you can apply for a credit card with ANZ.

Information needed for an 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

Here are the most frequently asked questions about ANZ credit cards. After reading our FAQs, if you still have a question about ANZ credit cards, get in touch with us using the form at the bottom of this page.

How do I set up ANZ online banking?

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.

I'm making an overseas transaction, what are the charges?

  • When using an ANZ Visa, ANZ MasterCard or ANZ PAYCARD, ANZ will charge 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. 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, the following fees may apply until 5 August 2017 (after which you will no longer be able to use an ANZ AMEX card).

What is my ANZ credit card monthly statement?

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.

How is interest calculated on my ANZ credit card?

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

What is the minimum monthly repayment?

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.

Does the annual fee collect interest?

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.

Can I pay a large one-off payment to cover the minimum repayment on my ANZ credit card for multiple months?

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.

How are my repayments allocated to my ANZ credit card?

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 I pay a bill with my ANZ credit card, is it a purchase or a cash advance?

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.

How does my ANZ credit card interest-free period work?

If you pay your balance in full each month when you statement is issued, you won’t get charged any interest on the purchases you make on your ANZ credit card between statement periods.

My ANZ credit card is about to expire, how do I get a new one?

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.

Can I load my own money onto my ANZ credit card and still earn points when I spend?

If you load money onto your ANZ rewards credit card so it has a positive balance, any eligible purchases you make with the card will still earn points.

I have an ANZ frequent flyer credit card, when will I get my Qantas Points?

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.

How do I close my ANZ credit card account?

If you want to cancel your ANZ credit card, all you have to do is make sure that you don’t owe any money on the card. Give an ANZ representative a call and they will be able to cancel the card for you.

I have an ANZ American Express credit card. What changes in 2017 affect me?

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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ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59

Credit Cards Comparison

Rates last updated April 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
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
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. 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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