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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 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

Data indicated here is updated regularly
$
% p.a.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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Data indicated here is updated regularly
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.
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.
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.
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.
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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.

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$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.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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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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