Compare ANZ Credit Cards

ANZ offers a variety of credit card products for both individuals and businesses. When you're comparing credit cards from ANZ or any other issuer, look at the rates, fees, rewards and perks to help you find one that is right for your spending habits and goals.

ANZ Credit Card Offer

ANZ Platinum Credit Card

0% p.a. for 17 months
on purchases
$0 annual fee for the first year

Eligibility criteria, terms and conditions, fees and charges apply

ANZ Credit Card Offer

Receive a 0% purchase offer, a first-year annual fee waiver and a range of complimentary insurance covers.

• 0% p.a. for the first 17 months on purchases, reverts to 20.24% p.a.
• $0 annual fee in the first year ($87 p.a. thereafter). The annual fee is also waived if you spend more than $20,000 on the card each year.
• Complimentary travel and purchase insurance covers
• Minimum credit limit: $6,000

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Compare ANZ credit cards

• Personal Credit Cards
• Business Credit Cards

Sort: Balance transfer rate (high-low) Balance transfer rate (low-high) Purchase rate (high-low) Purchase rate (low-high) Bonus points (high-low) Bonus points (low-high) Annual fee (high-low) Annual fee (low-high) Amount saved (high-low) Amount saved (low-high)

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Name	Product	Balance transfer rate	Purchase rate	Bonus points	Annual fee	Amount saved
ANZ Platinum Credit Card		20.24% p.a.	0% for 17 months, reverts to 20.24% p.a.	N/A	$0 annual fee for the first year ($87 p.a. thereafter)		Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.	Go to site More Info	Compare	loading Fetching your data...
ANZ Low Rate		0% p.a. for 25 months with 1.5% balance transfer fee	12.49% p.a.	N/A	$0 annual fee for the first year ($58 p.a. thereafter)		Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.	Go to site More Info	Compare	loading Fetching your data...
ANZ Frequent Flyer Black		20.24% p.a.	20.24% p.a.	120,000	$425		Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.	Go to site More Info	Compare	loading Fetching your data...
ANZ First		0% p.a. for 18 months with 2% balance transfer fee	20.24% p.a.	N/A	$30		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.	More Info	Compare	loading Fetching your data...
ANZ First for Students		20.24% p.a.	20.24% p.a.	N/A	$0 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.	More Info	Compare	loading Fetching your data...
ANZ Rewards Black Credit Card		20.24% p.a.	20.24% p.a.	130,000	$375		130,000 bonus Reward Points and $150 back when you spend $2,000 in the first 3 months.	More Info	Compare	loading Fetching your data...
ANZ Frequent Flyer Platinum		20.24% p.a.	20.24% p.a.	75,000	$295		Receive 75,000 bonus Qantas Points & $150 back when you spend $2,500 on eligible purchases within 3 months.	More Info	Compare	loading Fetching your data...
ANZ Rewards Platinum		20.24% p.a.	20.24% p.a.	100,000	$95		Receive 100,000 bonus Reward Points and $50 back when you spend $1,500 on eligible purchases in the first 3 months.	More Info	Compare	loading Fetching your data...
ANZ Frequent Flyer		20.24% p.a.	20.24% p.a.	25,000	$95		Receive 25,000 bonus Qantas Points when you spend $1,000 within the first 3 months. Plus, enjoy uncapped Qantas Points earning potential.	More Info	Compare	loading Fetching your data...
ANZ Rewards Credit Card		20.24% p.a.	20.24% p.a.	50,000	$80		Earn uncapped Reward Points and get 50,000 bonus points when you spend $1,000 within the first 3 months from approval.	More Info	Compare	loading Fetching your data...

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Data indicated here is updated regularly

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Name	Product	Interest-free period	Cash advance rate	Purchase rate	Annual fee
ANZ Business Black		Up to 55 days on purchases	21.74% p.a.	20.24% p.a.	$0 annual fee for the first year ($300 p.a. thereafter)	Offers premium features including uncapped rewards, travel benefits and tools to manage your business expenses. Plus, $0 first year annual fee.	More Info	Compare	loading Fetching your data...
ANZ Business Low Rate			14.49% p.a.	12.99% p.a.	$0 annual fee for the first year ($100 p.a. thereafter)	Enjoy Unauthorised Transactions Insurance and Cardholder Transit Accident Insurance. Plus, $0 first-year annual fee and $0 per additional card.	More Info	Compare	loading Fetching your data...
ANZ Business 55 Interest Free Days		Up to 55 days on purchases	19.24% p.a.	17.74% p.a.	$0 annual fee for the first year ($150 p.a. thereafter)	Control cashflow, plus get Unauthorised Transactions Insurance, Cardholder Transit Accident Insurance and a $0 first year annual fee.	More Info	Compare	loading Fetching your data...
ANZ Business Rewards Options		Up to 40 days on purchases	21.74% p.a.	20.24% p.a.	$0 annual fee for the first year ($200 p.a. thereafter)	Be rewarded for spending on everyday business purchases with up to 1 point per $1 spent. Plus, $0 first-year annual fee and $0 per additional card.	More Info	Compare	loading Fetching your data...

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The benefits of banking with ANZ

Here are some of the additional perks you can look forward to when you hold 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 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 any credit card in Australia.
• Income. You must have regular income and meet any minimum income requirements that are listed for your chosen ANZ credit card. Lower fee cards will fewer frills will have a lower requirement that premium rewards or frequent flyer cards.
• 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 information. 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 documentation. 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.

• What is the ANZ credit card contact number?

  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.

• Who can apply for an ANZ business credit card?

  The following types of business entities are eligible to apply for an ANZ business credit card:

  • Sole traders
  • Trusts
  • Companies
  • Partnerships
  • Associations
  • Co-operatives

  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.

• 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 App 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, 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?

  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.
  

• 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 activate a credit card from ANZ?

  You can activate ANZ credit cards online by using the following steps:

  1. Log in to your ANZ Internet Banking account (or create one and then log in).
  2. Select the "Profile" menu and click on "Activate and ANZ Card".
  3. Read the information on the overview page and click "Continue".
  4. 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.
  5. 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.

• How do I close my ANZ credit card account?

  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.
  

• Can you tell me a bit more about ANZ?

  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.