ANZ credit cards

If you’re looking for a credit card 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.

By   |   Verified by David Boyd   |   Updated 28th April 2022

Comparing ANZ credit cards

ANZ Low Rate

Balance transfer

30 months at 0% p.a.

Purchase rate

12.49% p.a. ongoing

Annual fee

$0.00 for 1st year

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 Rewards Black Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$0.00 for 1st year

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 Platinum Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$0.00 for 1st year

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 Platinum Credit Card

Balance transfer

N/A

Purchase rate

25 months at 0% p.a.

Annual fee

$0.00 for 1st year

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 First Visa Credit Card

Balance transfer

N/A

Purchase rate

20 months at 0% p.a.

Annual fee

$30.00 p.a. ongoing

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 Rewards Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$80.00 p.a. ongoing

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 Frequent Flyer Platinum Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$0.00 for 1st year

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 Frequent Flyer Black Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$425.00 p.a. ongoing

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

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$95.00 p.a. ongoing

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.

More about ANZ credit cards

Help with questions about interest rates, fees, and rewards to compare better.

  • FAQs

Can I manage my card online?

ANZ offers customers internet banking around the clock, which includes account access, bill payments, transfers, statements, foreign exchange, direct debits, cheque orders and customer support. The bank uses the latest security technology to protect customers’ data and finances, and offers a range of advice to customers regarding online protection. In case of internet fraud, ANZ guarantees reimbursement for any unauthorised transactions.

Can I manage my card over the phone?

ANZ Phone Banking offers customers banking services anytime of the day or night. Once registered, customers have account access 24/7 using a touch-tone phone. Following voice prompts you can check balances and transfers, transfer money to linked accounts, pay bills, change your address details and order statements and new chequebooks.

Do ANZ have a rewards program or are any of their cards linked to a rewards program?

ANZ offers customers a selection of loyalty rewards schemes with a choice of ANZ Frequent Flyer rewards, and ANZ Rewards.

ANZ Frequent Flyer Rewards allows you to accumulate points on everyday purchases, and these points are automatically credited to your Qantas Frequent Flyer account. More points are gained by shopping with ANZ’s Bonus Partners. Your frequent flyer points can be redeemed for flights, travel and store rewards, vouchers, entertainment, special offers and more.

ANZ Rewards is a flexible rewards scheme that offers a variety of ways to earn points, and many opportunities to generate bonus points by shopping with ANZ’s Bonus Partners. Cardholders earn points on everyday purchases (excluding credit card balance transfers, cash advances, BPAY payments, etc.), and then redeem these points for a large choice of rewards including retail vouchers, gift cards, merchandise, travel, entertainment and more.

How big is the ANZ branch network?

ANZ has branches across Australia, offering accessible banking to all its customers. At each branch personal bankers offer complementary advisory service called A-Z Review, helping to tailor personal banking services to meet specific customer requirements. Other specialists available include financial planners, home and investment lending managers, small business specialists and retirement banking specialists. Customers can call their local branch to arrange an appointment, or simply drop into a branch during opening hours.

If I apply for a card from ANZ, do I need to change who I bank with?

No. You are only applying for a credit card from ANZ. This is completely separate from any other bank account you may have. You do not need to switch bank.

Is there a mobile app I can manage my card with?

ANZ offers the ANZ App with which customers can check balances, view mini statements and receive account alerts.

What is ANZ designmycard?

This service allows you to personalise any ANZ First, or ANZ Balance Visa card with an image of your choice. When you apply for the card you may upload any photo, design or logo, or select an image from ANZ’s online library, and this will used to decorate your new credit card.

What's so good about ANZ cards?

ANZ's sheer size means customers are never too far away from a branch, where dedicated staff can tailor services to individual needs. It also offers comprehensive account access online and via mobile. Its selection of credit cards is large and varied, offering everything from no annual fees to lucrative rewards programs.