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ANZ offers a variety of credit cards for both individuals and businesses. ANZ credit cards are compatible with Apple Pay, Google Pay, Samsung Pay and more. When you're comparing credit cards look at the rates, fees, rewards and perks to help you find one that is right for you.
ANZ Credit Card Offer
ANZ Low Rate
0% p.a. for 20 months on balance transfers
Eligibility criteria, terms and conditions, fees and charges apply
ANZ Credit Card Offer
A no-frills card with a long-term 0% balance transfer offer, a low ongoing purchase interest rate plus a first-year annual fee waiver.
$0 first-year annual fee ($58 p.a. thereafter)
0% p.a. on balance transfers for 20 months with no BT fee (reverts to 20.24% p.a.)
Purchase interest rate: 12.49% p.a. | Up to 55 days interest-free
Minimum credit limit: $1,000 | Up to 3 additional cardholders at $0
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
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:
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.
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.
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.
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.
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.
Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.
The ANZ Rewards Platinum Credit Card offers a competitive rewards program, $0 annual fee for the first year, a $500 gift card, a balance transfer offer and a range of complimentary insurance covers.
Compare where you can travel and how you can redeem your complimentary domestic Virgin Australia flight every year with the ANZ Rewards Travel Adventures credit card.
The ANZ Frequent Flyer Black card boasts a competitive bonus points offer plus extra perks including complimentary insurance and Qantas Club Lounge invitations.
Compare the features of the ANZ Rewards Black, including a 180,000 bonus points offer, first-year annual fee waiver, a high earn rate and complimentary insurances.
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