ANZ

If you are looking for a credit card, home loan, or personal loan from a bank with heritage and global reach, ANZ is one of the top four banks in Australia and among the top 50 banks worldwide.

ANZ business loan

ANZ Business Loan Fixed Rate (Secured)

ANZ Business Loan Fixed Rate (Secured)

Highlights

  • Fixed-term for either 2 years or 3 years.
  • Borrow between $10,000 and $1,000,000.
  • Choice of repayment frequency to suit your business including monthly, quarterly or annual.

ANZ credit cards

Compare
ANZ Business 55 Interest Free Days Credit Card

ANZ Business 55 Interest Free Days Credit Card

Highlights

  • $0 annual fee on the first year ($150 p.a. thereafter).
  • Up to 55 days interest-free on purchases when you pay your account in full each month.
  • Take advantage of free additional cardholders.

Pros

  • Up to 55 days interest-free.
  • No annual fee for the first year.
  • Give employees a card each while maintaining control over their spending.
  • Integrates with popular accounting software for easier bookkeeping.
  • Works with most popular digital wallets.

Cons

  • No travel insurance or concierge services.
  • No rewards program or sign up bonus.
  • After the first year, there's an annual fee of $150 p.a.
  • The 3% foreign transaction fee.
ANZ Business Black Credit Card

ANZ Business Black Credit Card

Highlights

  • Receive 100,000 bonus Reward Points when you spend $6,000 on eligible purchases in the first 3 months from approval
  • Save $300 with no Annual Card Fee and save $75 per card with no Rewards Fee for the first year on a new ANZ Business Black credit card (Terms and Conditions apply).
  • Earn 1.5 Reward Points per $1 spent on eligible purchases up to and including $10,000 per statement period.
  • Complimentary Unauthorized Transactions Insurance, International Travel Insurance, and Transit Accident Insurance for overseas travel.

Pros

  • Substantial sign-up bonus for new qualifying customers.
  • Earn 1 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points (at a reduced rate).
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has extended warranty, fraud protection, purchase protection insurance, and transport accident insurance.
  • Cardholders have access to ANZ's concierge service.
  • Add unlimited cardholders for free to share the account with staff.
  • Works with Apple Pay, Google Pay, and Samsung Pay, making payments more convenient.
  • Get a data feed for Xero, MYOB, and QuickBooks, making accounting and bookkeeping more streamlined.

Cons

  • The card's ongoing annual fee is $300 p.a. after the first year's waiver.
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory offer on purchases and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $10,000 spent per statement period.
ANZ First Visa Credit Card

ANZ First Visa Credit Card

Highlights

  • Obtain $125 cashback upon spending $750 on eligible purchases within the initial 3 months after approval. Terms and Conditions apply.
  • Enjoy a $0 annual fee for the first year ($30 p.a. thereafter).
  • Benefit from up to 55 days interest-free on purchases by paying your account in full each month.

Pros

  • Earn a $125 cashback when you meet the criteria.
  • $0 first-year annual fee.
  • A low minimum credit limit of $1,000.

Cons

  • There are no ANZ Rewards or Qantas Points benefits.
  • There are cards with a lower ongoing purchase rate.
ANZ Frequent Flyer Black Credit Card

ANZ Frequent Flyer Black Credit Card

Highlights

  • Receive up to 130,000 points. Obtain 100,000 bonus Qantas Points and $250 cashback to your new card upon spending $5,000 on qualifying purchases within the initial 3 months from approval. Additionally, earn an extra 30,000 bonus Qantas Points by maintaining your card for over 12 months. Terms and Conditions apply.
  • Earn 1 Qantas Point for every $1 spent on eligible purchases, up to $7,500 per statement period.
  • Enjoy 7 complimentary insurances, including International Travel Insurance.

Pros

  • Earn up to 130,000 bonus Qantas Points and $250 cashback when you meet the criteria.
  • 1 point per $1 spent up to $7,500 per statement period.
  • Earn an uncapped number of points.
  • Enjoy 2 complimentary Qantas Club lounge invitations each year.
  • Comes with complimentary international travel insurance.
  • Up to 55 days interest-free on purchases.

Cons

  • The annual fee of $425 p.a. is high.
  • Earn rate drops to 0.5 points per $1 spent above $7,500 per statement period.
  • No balance transfer offer.
ANZ Frequent Flyer Platinum Credit Card

ANZ Frequent Flyer Platinum Credit Card

Highlights

  • Receive a bonus of 75,000 Qantas points and a $100 back upon spending $2,500 on qualifying purchases within the initial 3 months of approval.
  • Get 0.75 Qantas Points for every $1 spent on eligible purchases (capped at $3,000), and thereafter, earn 0.5 Qantas Points per $1 spent in each statement period.
  • Enjoy a complimentary Qantas Frequent Flyer Membership.

Pros

  • 75,000 bonus Qantas Frequent Flyer points plus a $100 cashback.
  • Earn 0.75 points per $1 spent up to $3,000 per statement period.
  • Comes with a number of complimentary insurances, including international travel insurance.
  • Up to 55 days interest-free on purchases.

Cons

  • The annual fee of $295 p.a. is high.
  • Although uncapped, the earn rate drops to 0.5 points per $1 on any spend above $3,000 per statement period.
  • There is no balance transfer offer available.
  • It costs $65 p.a. per additional cardholder, which adds up.
ANZ Low Rate Credit Card

ANZ Low Rate Credit Card

Highlights

  • Enjoy 0% p.a. for 28 months on balance transfers with a 3% balance transfer fee (then reverts to 21.99% p.a.) Terms and Conditions apply.
  • First-year annual fee waived ($58 subsequently).
  • Continuous low rate of 13.74% p.a. on purchases.
  • Enjoy up to 55 days interest-free on purchases by settling your account completely each month.

Pros

  • Enjoy 0% p.a. on balance transfers up to 28 months.
  • $0 annual fee for the first year ($58 p.a. thereafter).
  • Take advantage of the low purchase interest rate of 13.74% p.a.
  • Add up to 3 additional cardholders at no extra cost.

Cons

  • No purchase or travel insurance included.
  • No rewards program.
ANZ Platinum Credit Card

ANZ Platinum Credit Card

Highlights

  • Receive $300 cashback upon spending $1,500 on eligible purchases within the initial 3 months after approval. Terms and Conditions apply.
  • Enjoy up to 55 days interest-free on purchases by paying your account in full each month.
  • No annual fee for the first year. Subsequently, a standard annual fee of $87 p.a. applies.

Pros

  • Earn a $300 cashback when you meet the spend criteria.
  • $0 annual fee in the first year, $87 p.a. thereafter (terms and conditions apply).
  • Comes with Personal Concierge service,
  • Complimentary insurance covers include international travel insurance, purchase protection insurance, and extended warranty insurance.

Cons

  • There is no rewards program on this card.
  • No balance transfer offer.
ANZ Rewards Black Credit Card

ANZ Rewards Black Credit Card

Highlights

  • Get 180,000 bonus Reward Points and $150 cash back upon spending $3,000 on qualifying purchases within the initial 3 months of approval.
  • Accrue 2 Reward Points for every $1 spent on qualifying purchases, up to $5,000 per statement period.
  • Enjoy complimentary international travel insurance.

Pros

  • Receive 180,000 bonus ANZ Rewards points and earn a $150 cash back when you meet the criteria.
  • Earn 2 points per $1 spent on eligible purchases up to $5,000 per statement period.
  • There is no cap on the number of points you can earn.
  • Free international travel insurance and purchase protection insurance.

Cons

  • The $375 p.a. annual fee.
  • Doesn't come with lounge access.
  • No balance transfer offer.
ANZ Rewards Platinum Credit Card

ANZ Rewards Platinum Credit Card

Highlights

  • Obtain 100,000 bonus Reward Points and $50 cashback upon spending $2,000 on eligible purchases within the initial 3 months after approval.
  • Access a variety of complimentary insurances for both travel and purchases.
  • Accumulate ANZ Rewards Points on your everyday purchases.

Pros

  • 100,000 bonus Reward Points and a $50 cashback when you meet the criteria.
  • Earn 1.5 points per $1 spent up to $2,000 per statement period.
  • No cap on the total number of points you can earn.
  • Comes with complimentary insurance covers, including international travel insurance and purchase protection insurance.
  • ANZ Rewards points can be transferred to several airline partners, giving you booking flexibility.
  • Up to 55 days interest-free on purchases.

Cons

  • There is a $65 annual fee per additional cardholder.
  • The earn rate drops to 0.5 points per $1 after $2,000 per statement period.
  • No balance transfer offer.
  • No lounge access.
ANZ Rewards Travel Adventures Credit Card

ANZ Rewards Travel Adventures Credit Card

Highlights

  • Receive 40,000 bonus Reward Points, when you spend $1,000 on eligible purchases in the first 3 months from approval.
  • No international transaction fees on purchases overseas or online purchases from international websites (in foreign currency).
  • 7 complimentary insurances including International Travel Insurance.

Pros

  • Attractive sign up bonus. 40,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval.
  • Earn 1.5 points for every $1 spent on eligible purchases.
  • Complimentary international travel insurance and other protection.
  • No fee on purchases made in a foreign currency.

Cons

  • There is a $120 p.a. annual fee.
  • The number of points you can earn is capped per statement period.
ANZ Business Low Rate

ANZ Business Low Rate

Highlights

  • $0 annual fee on the first year ($100 p.a. thereafter).
  • Take advantage of free additional cardholders.
  • Comes with Unauthorised Transaction Insurance.

Pros

  • No annual fee for the first year.
  • Low-interest rate of 12.99% on purchases.
  • Includes Transit Accident Insurance.

Cons

  • There is no interest-free period on this card.
  • No rewards program or sign-up bonus.
  • After the first year, there's an annual fee of $100 p.a.
ANZ Qantas Business Rewards Credit Card

ANZ Qantas Business Rewards Credit Card

Highlights

  • Get 130,000 bonus Reward Points upon spending $6,000 on eligible purchases within the initial 3 months after approval.
  • Earn 0.75 Reward Points per $1 spent on eligible purchases up to and including $15,000 per statement period. Earn 0.5 Qantas Points for every $1 over $15,000.
  • Receive complimentary Unauthorized Transactions Insurance, Domestic and International Travel Insurance.

Pros

  • Substantial sign-up bonus for new qualifying customers.
  • Earn up to 0.75 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points.
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has unauthorised transaction insurance.
  • Cardholders have access to ANZ's concierge service.
  • Add unlimited cardholders for free to share the account with staff.
  • Works with Apple Pay, Google Pay, and Samsung Pay, making payments more convenient.
  • Get a data feed for Xero, MYOB, and QuickBooks, making accounting and bookkeeping more streamlined.

Cons

  • The card's ongoing annual fee is $300 p.a.
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory purchase offer and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $15,000 spent per statement period.

ANZ home loans

ANZ Simplicity PLUS

ANZ Simplicity PLUS

Interest rate (p.a.)

6.19%

Comp rate^ (p.a.)

6.19%

Max LVR

80.00%

Application fee

$0.00

Monthly repayment

$2,753.19

Total repayment

$991,148.40

Highlights

  • Get $2,000 cashback when borrowing 80% or less of the property value or get a $3,000 bonus for first-home buyers.
  • Competitive variable interest rates and no monthly fee.
  • Make extra repayments at any time.

ANZ money transfer

ANZ International Money Transfer

ANZ International Money Transfer

Highlights

  • Send money to over 99 countries around the world.
  • Save on correspondent bank fees on select countries.
  • Send money overseas via ANZ Internet Banking and get the security of ANZ Fraud Money Back Guarantee and ANZ Shield App.

Pros

  • Reliable, safe, and secure.
  • You may avail of other features and services.
  • Dependable customer support.
  • Mobile apps.

Cons

  • Higher fees compared to your typical money exchange companies.
  • Poor exchange rates.

ANZ personal loans

Compare
ANZ Fixed Rate Personal Loan

ANZ Fixed Rate Personal Loan

Interest rate

From 7.49% (personalised)

Comparison rate

From 8.18% (personalised)

Repayment period

3 years

Application fee

$150.00

Monthly repayment

$626.70

Total repayment

$22,561.20

Highlights

  • For a limited time only, ANZ has reduced its fixed interest rate to 7.49% p.a. (eligibility criteria and terms and conditions apply).
  • Get up to 7 years maximum repayment period.
  • Log on to ANZ Internet Banking to see your balance, repayments, interest paid, and details about your next payment.

Pros

  • No security required
  • Available to self-employed borrowers
  • Repay the loan over 7 years

Cons

  • $10 monthly fee
  • Application fee of $150
  • You may also incur early repayment costs
ANZ Variable Rate Personal Loan

ANZ Variable Rate Personal Loan

Interest rate

From 7.49% (personalised)

Comparison rate

From 8.18% (personalised)

Repayment period

3 years

Application fee

$150.00

Monthly repayment

$626.70

Total repayment

$22,561.20

Highlights

  • For a limited time only, ANZ has reduced its variable interest rate to 7.49% p.a. (eligibility criteria and terms and conditions apply).
  • Get up to 7 years maximum repayment period.
  • Log on to ANZ Internet Banking to see your balance, repayments, interest paid, and details about your next payment.

Pros

  • No security required
  • Available to self-employed borrowers
  • Repay the loan over 7 years

Cons

  • $10 monthly fee
  • Application fee of $150

Learn all about

  • Q&As

What banking services do ANZ offer?

ANZ operate banking, investment and insurance services to personal customers, business, large corporates. Personal banking services span a full range of products including deposit taking transaction accounts, savings accounts, home loans, personal loans, credit cards, and share trading, and many others.

When was ANZ founded?

ANZ started life in London in 1835 as the Bank of Australasia when it was created under a Royal Charter, opening a branch in Sydney in the same year. In 1838 the bank opened a branch in Melbourne, the city where its headquarters are located today. In 1837 the Union Bank Australia was established as an Anglo-Australian financial institution. Another Anglo-Australian bank, the English, Scottish and Australian Bank (ES&A), was created in 1852.

The Bank of Australasia merged with the Union Bank of Australia in 1951 to create ANZ Bank, and extended operations around the world. In 1970, ANZ merged with ES&A to form the current organisation, Australia and New Zealand Banking Group Limited. This was the biggest merger in Australian banking history at the time, and ANZ continued to expand, merging several smaller banks including Bank of Adelaide in 1979, Grindlays Bank in 1984 and PostBank, purchased from New Zealand Government 1989. In 2003 ANZ acquired the National Bank of New Zealand. In 2009 ANZ officially gained full ownership of ING Australia, making the group one of the biggest insurance companies in the country. In 2010 ANZ took over the Royal Bank of Scotland (RBS) interests in Hong Kong, Taiwan, Singapore and Indonesia. Today ANZ is the fourth largest bank in Australia and the largest bank in New Zealand. With headquarters in Melbourne, offices across Australia and New Zealand, it is also one of the leading Australian banks in the Asia-Pacific region.

As seen on

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Media - Daily Mail Australia
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