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