Compare ANZ Credit Cards

Compare ANZ credit cards with features including 0% interest rate offers, rewards, frequent flyer points and premium perks.

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ANZ

ANZ credit cards offer a wide range of features, and 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 Frequent Flyer Black

Earn 120,000 bonus Qantas Points
Get $275 back on your card

Eligibility criteria, terms and conditions, fees and charges apply

ANZ Credit Card Offer

Receive 120,000 bonus Qantas Points and $275 back when you spend $4,000 in the first 3 months. Plus, complimentary lounge passes.

  • $425 annual fee
  • Purchase rate of 20.24% p.a. | Cash advance rate of 20.24% p.a.
  • $15,000 minimum credit limit
  • 1 Qantas Point / $1 spent up to $7,500 per statement period, then 0.5 Qantas Points / $1 spent
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Compare ANZ credit cards

Updated January 28th, 2020
$
% p.a.
Name Product Balance transfer rate Purchase rate (p.a.) Bonus Points Annual fee Amount saved
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
120,000 bonus points
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
ANZ Low Rate
0% p.a. for 15 months
12.49% p.a.
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
ANZ Platinum Credit Card
0% p.a. for 18 months with 2% balance transfer fee
20.24% p.a.
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
ANZ Frequent Flyer Platinum
20.24% p.a.
20.24% p.a.
50,000 bonus points
$295 p.a.
Receive 50,000 bonus Qantas Points and $195 back to your card when you spend $2,000 on eligible purchases within 3 months.
ANZ Rewards Platinum
20.24% p.a.
20.24% p.a.
100,000 bonus points
$95 p.a.
Receive 100,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months.
ANZ Rewards Black Credit Card
20.24% p.a.
20.24% p.a.
150,000 bonus points
$375 p.a.
150,000 bonus Reward Points when you spend $4,000 in the first 3 months, plus, and complimentary travel insurance.
ANZ Frequent Flyer
20.24% p.a.
20.24% p.a.
25,000 bonus points
$95 p.a.
Receive 25,000 bonus Qantas Points when you spend $1,000 within the first 3 months. Plus, enjoy uncapped Qantas Points earning potential.
ANZ Rewards Credit Card
20.24% p.a.
20.24% p.a.
50,000 bonus points
$80 p.a.
Earn uncapped Reward Points and get 50,000 bonus points when you spend $1,000 within the first 3 months from approval.
ANZ First
0% p.a. for 18 months with 2% balance transfer fee
20.24% p.a.
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 55 days interest-free on purchases.
ANZ Rewards Travel Adventures card
20.24% p.a.
20.24% p.a.
75,000 bonus points
$225 p.a.
Receive 75,000 bonus Velocity Points, a complimentary flight and 2 Virgin lounge passes per year. Plus, 0% foreign transaction fees.
ANZ First for Students
20.24% p.a.
20.24% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal, low limit credit card for full-time tertiary students with up to 55 days interest-free on purchases and a $0 annual fee for the first year.

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Updated January 28th, 2020
Name Product Interest Free Period Cash advance rate (p.a.) Purchase rate (p.a.) Annual fee
ANZ Business Black
Up to 55 days on purchases
21.74% p.a.
20.24% p.a.
$300 p.a.
Offers premium features including uncapped rewards, travel benefits and tools to manage your business expenses.
ANZ Business Low Rate
14.49% p.a.
12.99% p.a.
$100 p.a.
Enjoy Unauthorised Transactions Insurance and Cardholder Transit Accident Insurance. $0 per additional card.
ANZ Business 55 Interest Free Days
Up to 55 days on purchases
19.24% p.a.
17.74% p.a.
$150 p.a.
Control cashflow, plus receive a complimentary Unauthorised Transactions Insurance as well as a Cardholder Transit Accident Insurance.
ANZ Business Rewards Options
Up to 40 days on purchases
21.74% p.a.
20.24% p.a.
$200 p.a.
Be rewarded for spending on everyday business purchases with up to 1 point per $1 spent. $0 per additional card.

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Types of ANZ credit cards

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


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 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.

  • 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'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.

Credit Cards Comparison

Updated January 28th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0 p.a.
Offers 0% p.a. on purchases and balance transfers for the first 12 months and an ongoing $0 annual fee. Plus, earn flybuys for your eligible spend.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

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* 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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