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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.

ANZ credit cards come with a wide range of features, including balance transfer offers, rewards and frequent flyer points, as well as platinum and black perks. Depending on the card you apply for, you could also enjoy complimentary extras such as travel insurance, a concierge service or bonus introductory points.

Use this guide to compare ANZ credit cards based on your goals. You can also learn how to apply for a credit card and explore the features available when you bank with ANZ.

ANZ Credit Card Offer

ANZ Low Rate

0% p.a. for 15 months on balance transfers

Eligibility criteria, terms and conditions, fees and charges apply

ANZ Credit Card Offer

Receive a long-term balance transfer offer with no BT fee. Plus, a low interest rate on purchases and a competitive annual fee.

  • $58 p.a. annual fee.
  • 12.49% p.a. on purchases
  • Cash advance rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $15,000 p.a.
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Compare ANZ credit cards

When you’re comparing different types of credit cards from ANZ or any other issuer, look at the fees and features to help you 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.

Rates last updated October 16th, 2018
$
% p.a.
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
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
19.74% 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 First Visa Credit Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% 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 44 days interest-free on purchases.
ANZ First Student Card
19.74% 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 44 days interest-free on purchases and a $0 annual fee for the first year.
ANZ Rewards Travel Adventures card
20.24% p.a.
40,000 bonus points
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.
ANZ Frequent Flyer Black
19.99% p.a.
75,000 bonus points
$425 p.a.
Receive 75,000 bonus Qantas Points and $200 back after your first eligible purchase in the first 3 months. Plus, complimentary Qantas lounge passes.
ANZ Frequent Flyer Platinum
19.99% p.a.
65,000 bonus points
$295 p.a.
Receive 65,000 bonus Qantas Points and $150 back on your card after your first eligible purchase within 3 months. Plus, a personal concierge.
ANZ Rewards Platinum
18.79% p.a.
65,000 bonus points
$95 p.a.
Receive 65,000 bonus Reward Points and $50 back onto your card after your first eligible purchase in 3 months, plus up to 1.5 points per $1 spent.
ANZ Rewards Black Credit Card
18.79% p.a.
75,000 bonus points
$375 p.a.
Receive 75,000 bonus Reward Points and $100 back onto your card after your first eligible purchase within 3 months, plus, lounge passes.
ANZ Rewards Credit Card
18.79% p.a.
25,000 bonus points
$80 p.a.
Earn uncapped Reward Points and get 25,000 bonus points when you make an eligible purchase in the first 3 months from approval.
ANZ Frequent Flyer
19.99% p.a.
25,000 bonus points
$95 p.a.
Receive 25,000 bonus Qantas Points after your first eligible purchase. Plus, uncapped Qantas Points earning potential.
ANZ Business Black
20.24% p.a.
$300 p.a.
Offers premium features including uncapped rewards, travel benefits and tools to manage your business expenses.

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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.

finder.com.au list of ANZ credit cards

Compare the rates, fees and features of the ANZ credit cards below:


  • Balance transfer credit cards

If you have existing credit card debt from another bank or issuer, an ANZ balance transfer credit card could help you save on interest and pay it off faster with an introductory 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 fee credit cards

ANZ offers a range of credit cards with competitive annual fees, including cards with ongoing low fees and those with reduced or waived annual fees in the first year. If you pay your balance in full by the due date on your statements, you can also take advantage of an interest-free period for your purchases.

  • Rewards credit cards

ANZ Rewards credit cards allow you to earn points for your everyday credit card spending and use them to 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

If you want to earn more Qantas Points, you could choose an ANZ Frequent Flyer credit card that earns Qantas Points per $1 spent on eligible purchases. Depending on the ANZ Frequent Flyer card you choose, you could also enjoy 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:

  • 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 and Samsung Pay. This means you can manage your account details and tap-and-go for payments with a compatible smartphone.

  • 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. 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 hold a business, investor, working 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.

  • 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.

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Credit Card Offers

Important Information*
Qantas Premier Everyday

Interest rate

19.99

Annual fee

0*

*$49 p.a. after first year

Westpac Low Rate Card

Interest rate

13.49

Annual fee

0*

*$59 p.a. after first year

ANZ Low Rate

Interest rate

12.49

Annual fee

58

Credit Cards Comparison

Rates last updated October 16th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
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.
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.

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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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