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 27 May 2024

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Comparing ANZ credit cards

ANZ Low Rate Credit Card

Balance transfer

28 months at 0% p.a.

Purchase rate

13.74% p.a. ongoing

Annual fee

$0.00 for 1st year

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 Rewards Black Credit Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$375.00 p.a. ongoing

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

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$95.00 p.a. ongoing

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 Platinum Credit Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 for 1st year

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 First Visa Credit Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 for 1st year

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 Business Black Credit Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$0.00 for 1st year

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 Frequent Flyer Platinum Credit Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$295.00 p.a. ongoing

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 Business 55 Interest Free Days Credit Card

Balance transfer

N/A

Purchase rate

17.74% p.a. ongoing

Annual fee

$0.00 for 1st year

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 Frequent Flyer Black Credit Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$425.00 p.a. ongoing

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 Business Low Rate

ANZ Business Low Rate

Balance transfer

N/A

Purchase rate

12.99% p.a. ongoing

Annual fee

$0.00 for 1st year

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.

More about ANZ credit cards

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

  • FAQs

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.

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.

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.

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.

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.

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.

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.