ANZ Credit Cards Comparison & Reviews | Finder

Compare ANZ Credit Cards

Compare ANZ credit cards with features like 0% interest rate offers, rewards, frequent flyer points and premium perks.

ANZ

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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
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Compare ANZ credit cards

Data updated regularly
$
% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
ANZ Low Rate
0% p.a. for 20 months
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 20 months (with no 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 Platinum Credit Card
20.24% p.a.
0% p.a. 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 First
20.24% p.a.
0% p.a. for 12 months, reverts to 20.24% p.a.
N/A
$30
Get 12 months interest-free on purchases, $30 back and a low $30 annual fee with a new ANZ First card.
ANZ Rewards Black Credit Card
20.24% p.a.
20.24% p.a.
180,000
$0 annual fee for the first year ($375 p.a. thereafter)
Enjoy 180,000 bonus Reward Points when you spend $2,000 in the first 3 months. Plus, $0 first-year annual fee.
ANZ Rewards Platinum
20.24% p.a.
20.24% p.a.
120,000
$0 annual fee for the first year ($95 p.a. thereafter)
Receive 120,000 bonus Reward Points when you spend $1,500 on eligible purchases in the first 3 months. Plus, $0 first-year annual fee.
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 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 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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