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 27th August 2020

Comparing ANZ credit cards

ANZ Low Rate

On ANZ's website

ANZ Low Rate

Balance transfer

22 months at 0% p.a.

Purchase rate

12.49% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • 0% p.a. for 22 months on balance transfers (1.5% balance transfer fee applies). Reverts to cash advance rate of 20.24% p.a.
  • Low 12.49% p.a. ongoing rate on purchases.
  • No annual fee for the first year ($58 thereafter).
ANZ Rewards Black Credit Card

On ANZ's website

ANZ Rewards Black Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$375.00 p.a. ongoing

Highlights

  • Receive 150,000 points when you spend $4,000 on eligible purchases in the first 3 months from approval.
  • Free International Travel Insurance.
  • Eligibility criteria, T&Cs, fees and charges apply.
ANZ Rewards Platinum Credit Card

On ANZ's website

ANZ Rewards Platinum Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$95.00 p.a. ongoing

Highlights

  • Receive 100,000 points when you spend $2,500 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.
ANZ Platinum Credit Card

On ANZ's website

ANZ Platinum Credit Card

Balance transfer

N/A

Purchase rate

17 months at 0% p.a.

Annual fee

$0.00 for 1st year

Highlights

  • 0% p.a. on purchases up to 17 months (reverts to 20.24% p.a. thereafter).
  • 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). Enjoy $0 p.a. annual fee each year thereafter if you make $20,000 of eligible purchases in 12 months.
ANZ First Visa Credit Card

On ANZ's website

ANZ First Visa Credit Card

Balance transfer

18 months at 0% p.a.

Purchase rate

20.24% p.a. ongoing

Annual fee

$30.00 p.a. ongoing

Highlights

  • 0% p.a. for the first 18 months on balance transfers with a 2% balance transfer fee on amounts transferred. Reverts to 20.24% p.a..
  • Low annual fee of $30 p.a.
  • Up to 55 days interest-free on purchases when you pay your account in full each month.
ANZ First for Students Credit Card

On ANZ's website

ANZ First for Students Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • $0 p.a. annual fee for the first year, then $30 p.a..
  • An easy to manage credit limit from $500 will mean you can't build up a lot of debt.
  • Make every day a little bit easier and do your banking on the go with the ANZ App.
ANZ Rewards Credit Card

On ANZ's website

ANZ Rewards Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$80.00 p.a. ongoing

Highlights

  • 50,000 points when you spend $1,000 on eligible purchases in the first 3 months from approval.
  • An easy to manage credit limit from $1,000.
  • Earn ANZ Rewards Points on everyday purchases.

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 cash equivalent transactions), and then redeem these points for a large choice of rewards including retail vouchers, gift cards, merchandise, travel, entertainment and more.

How big is ANZ’s 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.