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 the $0 annual additional cardholder fee
ANZ Business Black Credit Card
Apply by 31 March 2022

ANZ Business Black Credit Card

Highlights

  • 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.
ANZ First Visa Credit Card

Highlights

  • 0% p.a. for 20 months on purchases and $30 back. Reverts to standard purchases interest rate of 20.24% p.a. after 20 months. Terms and Conditions apply.
  • Low annual fee of $30 p.a.
  • Up to 55 days interest-free on purchases when you pay your account in full each month.

Pros

  • Low annual fee of $30 p.a.
  • Introductory purchase rate offer of 0% p.a. for the first 20 months.
  • 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

Highlights

  • Earn up to 130,000 Qantas Points. You’ll get 100,000 bonus Qantas Points and $255 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval and an extra 30,000 Qantas Points if you keep the card for over 12 months.
  • Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period.
  • Get 7 complimentary insurances including International Travel Insurance.

Pros

  • Earn up to 130,000 bonus Qantas Points and $255 back 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 Credit Card

Highlights

  • An annual fee of $95 p.a.
  • Earn 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period.
  • Complimentary Qantas Frequent Flyer membership.

Pros

  • Earn 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period.
  • You can earn an uncapped number of points.
  • Complimentary Qantas Frequent Flyer membership.
  • Up to 55 days interest free on purchases.

Cons

  • There's no welcome bonus for signing up.
  • No balance transfer offer.
  • No complimentary travel insurances included.
  • Earn rate drops to 0.25 points per $1 above $500 per statement.
ANZ Frequent Flyer Platinum Credit Card

Highlights

  • Earn 70,000 bonus Qantas points and a $0 annual fee when you spend $2,500 on eligible purchases in the first 3 months from approval.
  • Earn 0.75 Qantas Points per $1 spent on eligible purchases (up to $3,000) then 0.5 Qantas Points per $1 spent, thereafter, per statement period.
  • Complimentary Qantas Frequent Flyer Membership.

Pros

  • 70,000 bonus Qantas Frequent Flyer points.
  • $0 annual fee in the first year.
  • 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. after the initial year 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

Highlights

  • 0% p.a. for 30 months on balance transfers with 0% balance transfer fee. Reverts to 21.24% p.a.
  • No annual fee for the first year ($58 thereafter).
  • Low 12.49% p.a. ongoing rate on purchases.
  • Up to 55 days interest free on purchases when you pay your account in full each month.

Pros

  • 0% p.a. on balance transfers up to 30 months with no balance transfer fee.
  • $0 annual fee for the first year ($58 p.a. thereafter).
  • Take advantage of the low purchase interest rate of 12.49% p.a.

Cons

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

Highlights

  • 0% p.a. on purchases up to 25 months. Reverts to 20.24% (standard purchase rate). Eligibility criteria, T&Cs, fees, and charges apply.
  • Up to 55 days interest-free on purchases when you pay your account in full each month.
  • No annual fee for the first year (save $87). Standard Annual Fee of $87 p.a. applies, thereafter.

Pros

  • Take advantage of the 0% p.a. for the first 25 months on purchases.
  • $0 annual fee in the first year, $87 p.a. thereafter (terms and conditions apply).
  • Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance.

Cons

  • There is no rewards program or sign up bonus.
  • No balance transfer offer.
ANZ Rewards Black Credit Card

Highlights

  • Receive 80,000 bonus Reward Points and a $0 annual fee in the first year when you spend $2,000 on eligible purchases in the first 3 months from approval.
  • Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period.
  • Free international travel insurance.

Pros

  • Receive 80,000 bonus ANZ Rewards points and enjoy a $0 first year annual fee 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 after the initial year.
  • Doesn't come with lounge access or a concierge service.
  • No balance transfer offer.
ANZ Rewards Credit Card

Highlights

  • Earn uncapped ANZ Rewards Points on everyday purchases.
  • Annual fee of $80 p.a.
  • An easy to manage credit limit from $1,000.

Pros

  • Earn 1 reward point per $1 spent on eligible purchases up to and including $1,000 per statement period.
  • Earn 0.5 reward points per $1 spent on eligible purchases above $1,000 per statement period.
  • No cap on the number of points that can be earned.
  • ANZ Rewards points can be transferred to several airlines. This gives you
  • Up to 55 days interest-free on purchases.

Cons

  • Earn rate drops to 0.5 points per $1 above $1,000 per statement period.
  • No complimentary insurances on this card.
  • No lounge access or concierge service.
  • No balance transfer offer.
ANZ Rewards Platinum Credit Card

Highlights

  • Receive 50,000 bonus Reward Points and a $0 annual fee on the first year when you spend $1,500 on eligible purchases in the first 3 months from approval.
  • A range of complimentary insurances for travel and purchases.
  • Earn ANZ Rewards Points on everyday purchases.

Pros

  • 50,000 bonus Reward Points and a $0 annual fee on the first year 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

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 home loans

ANZ Simplicity PLUS

ANZ Simplicity PLUS

Interest rate (p.a.)

2.49%

Comp rate^ (p.a.)

2.53%

Max LVR

80.00%

Application fee

$600.00

Monthly repayment

$1,775.71

Total repayment

$639,255.60

Highlights

  • Competitive variable interest rates and no monthly fee.
  • Make extra repayments 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.

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.