Compare low fee, low rate, rewards, frequent flyer credit cards, an exclusive offer from ANZ and find the card that suits your needs.
If you’re budget-conscious, ANZ offer low fee and low rate credit cards. There are platinum versions of these products too if you’re looking for a little extra. The super-premium black frequent flyer and rewards credit cards take earning points to a new level, but if the glitz of a black card isn’t your thing, there are entry level rewards cards to suit your budget too.
Exclusive ANZ Platinum Credit Card Offer
Exclusive to this site, pay no any annual fee in the first year and take advantage of 0% p.a. for 12 months on balance transfers and 0% p.a. for 3 months on purchases.
- $0 p.a. annual fee for the first year ($87 p.a. thereafter) annual fee
- 0% p.a. for 3 months (reverts to 19.74% p.a.) on purchases
- 0% p.a. for 12 months on balance transfers
- Cash Advance Rate of 21.49% p.a.
- Up to 55 days interest free
- Minimum Income Requirement of $35,000 p.a.
Comparison of ANZ Credit Cards
Rates last updated February 20th, 2017.
- ANZ Frequent Flyer
25,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.
November 29th, 2016
- ANZ Frequent Flyer Black
75,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.
November 29th, 2016
- ANZ Platinum Credit Card
Balance transfer period changed from 18 months to 16 months.
January 18th, 2017
Types of ANZ Credit Cards
If you’re comparing different types of credit cards, look at the fees and features. The annual fee, the rates of interest, interest-free days and perks like insurance are the main points of difference between credit cards. ANZ have multiple products in each card category, so whether you want a low rate, low fee, rewards or frequent flyer credit card, you have a couple of options to choose from.
Balance transfer credit cards
ANZ offers competitive balance transfer promotions to help you repay your existing credit card debt at a lower interest rate. You'll need your existing credit card details to apply, so have these details on hand to save time when applying. Once your application has been approved, it will take around 3-15 business days to transfer your existing credit card debt to your new ANZ credit card. To learn more about the step by step process for ANZ balance transfer, check our guide here.
Low rate credit cards
ANZ offers a standard low rate product for an annual fee of just $58. If you want more than just a way to make cheap purchases, there’s the ANZ Low Rate Platinum Credit Card. The Low Rate Platinum MasterCard has a higher annual fee, but combines the benefits of a low purchase rate of interest, complimentary insurance and MasterCard Platinum Privileges.
Low fee credit cards
The ANZ First Visa has a competitive annual fee of $30, whereas the ANZ Platinum Card has a $87 thereafter. If you pay your balance in full before the end of the statement period, you can also take advantage of interest-free days periods.
Rewards credit cards
The following credit cards are linked to the ANZ Rewards Program. Depending on the card, you can earn between 0.75 and 3 points on every dollar spent on eligible purchases. These can then be redeemed for domestic and international flights, hotels, entertainment packages, vouchers and gift cards and homewares.
Frequent flyer credit cards
These credit cards reward you with Qantas Points when you make an eligible purchase. You get a Visa card and an American Express card. While the Visa card will be accepted more widely than the American Express, the AMEX card will has a higher earn rate. You can redeem these points for flights with Qantas and its partners, accommodation with hotel partners, car hire and products ranging from fashion and beauty to tech and entertainment from the Qantas Store. These cards also come with other travel-centric features such as up to 75,000 bonus points and complimentary international travel insurance.
Student credit cards
If you're still studying, you could apply for an ANZ Student Credit Card. Combining a low rate, low fee and a low minimum credit limit, it's a more affordable option for students and first time cardholders. Plus, with interest-free days, purchase security covers and payWave capability, there are plenty of ways to save on costs and shop conveniently and safely with a student credit card.
The benefits of banking with ANZ
ANZ, Visa and Mastercard work together to provide more than just a product that gives you access to credit. When you apply for an ANZ credit card, you get extras like:
Internet banking — ANZ goMoney
goMoney is mobile banking application for smartphones and tablets. Once you’ve registered for Internet banking, you can download and login to the application using your customer reference number and telecode. This app has been made so it’s light on mobile data and has a simple user interface. goMoney compliments the ANZ Internet banking facility well. Between your desktop and smartphone, you’re able to manage your account(s), make payments and view recent transactions anywhere in the world, 24/7.
Fraud protection — ANZ Falcon
Falcon anti-fraud protection from ANZ monitors your account for suspicious transactions around-the-clock. If they find a transaction that looks out of the ordinary, ANZ will be in contact to confirm that you’re using the card and not someone else. If you can’t be reached by ANZ, your card will be temporarily blocked until you can be contacted to protect your finances. If you are the victim of credit card fraud, ANZ will give you a full refund on the stolen funds.
Mastercard and Visa — global reach, contactless payments & privileges
ANZ works with both Visa and Mastercard to provide credit cards. Some cards are a Visa card, and other cards are a Mastercard card. Whichever card you get, you can benefit from worldwide acceptance, contactless payments and Visa and Mastercard privileges, like Visa entertainment, which offers discounts on selected experiences like concerts and other events.
How to apply for an ANZ credit card
You can apply online for any of the ANZ credit cards listed on this page by clicking 'Go to Site'. There are some eligibility requirements you must meet if you want to apply. These generally include a minimum age of 18, a good credit history and meeting a minimum income requirement (that will vary from card to card). Unlike other credit card issuers, you don't need to be a permanent resident to apply for an ANZ credit card. If you're a New Zealand citizen holding a special category visa or hold a business investor or student visa with at least nine months remaining, you can apply for a credit card with ANZ.
Information needed for an ANZ credit card application
Have the following details about yourself and your finances handy to assist with your ANZ credit card application.
- Driver’s licence. If you have an Australian driver’s licence, you can provide the number to verify your identity with the bank.
- Personal details. This includes information like your contact details, your home address and your email address.
- Financial details. You will be asked to provide information about your employer and your financial situation (income and expenses). If you’re self-employed, you will need to provide your accountant's contact details to ANZ.
Frequently asked questions
Here are the most frequently asked questions about ANZ credit cards. After reading our FAQs, if you still have a question about ANZ credit cards, get in touch with us using the form at the bottom of this page.
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 GoMoney by visiting the ANZ website.
I'm making an overseas transaction, what are the charges?
- When using an ANZ Visa, ANZ MasterCard or ANZ PAYCARD, ANZ will charge 3% of the value of any foreign or Australian currency transaction charged to ANZ Visa, ANZ MasterCard or ANZ Visa PAYCARD credit card where the merchant or financial institution accepting the card is located outside of Australia. 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.
- For any ANZ American Express credit card, American Express will charge 1.5% of the value of any foreign or Australian currency transaction charged to your ANZ American Express credit card where the merchant or financial institution accepting the card is located outside of Australia.
Important: please note that the ANZ and American Express Overseas Transaction fees will be combined for each transaction and displayed as one fee on the statement. A charge that is made in a foreign currency other than US Dollars will, when the conversion is done by American Express, be converted into US Dollars before being converted into your billing currency.
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 you pay your balance in full each month when you statement is issued, you won’t get charged any interest on the purchases you make on your ANZ credit card between statement periods.
My ANZ credit card is about to expire, how do I get a new one?
If your ANZ credit card is about to expire, ANZ will reissue you with another credit card at the end of the month the card is set to expire.
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, any eligible purchases you make with the card will still earn points.
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 close my ANZ credit card account?
If you want to cancel your ANZ credit card, all you have to do is make sure that you don’t owe any money on the card. Give an ANZ representative a call and they will be able to cancel the card for you.