ANZ credit cards

Compare the best credit card offers, rewards, and bonuses from ANZ in New Zealand.

By   |   Verified by David Boyd   |   Updated 19 Oct 2023

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Comparing ANZ credit cards

ANZ Low Rate Visa Credit Card

Balance transfer

24 months at 1.99% p.a.

Purchase rate

12.9% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • 1.99% p.a. on balances transferred for 24 months, with no balance transfer fee.
  • Low ongoing variable purchase interest rate of 12.90% p.a.
  • $0 annual fee and $0 p.a. additional cardholder fee.

Pros

  • Pay 1.99% p.a. for the first two years on balances transferred.
  • Low ongoing interest rates.
  • Up to 55 interest-free days on purchases.
  • No annual fee for life.
  • Free additional cardholders.

Cons

  • No rewards program.
  • No insurance.
ANZ Cashback Visa Platinum Credit Card

Balance transfer

N/A

Purchase rate

19.95% p.a. ongoing

Annual fee

$80.00 p.a. ongoing

Highlights

  • Earn $1 cashback for every $120 spent on eligible purchases.
  • Earn unlimited cashback rewards.
  • Up to 55 days interest-free on retail purchases.

Pros

  • Earn $1 cashback for every $120 spent on eligible purchases.
  • No cap on how much cashback can be earned.
  • Up to 55 days interest-free on retail purchases.
  • Free additional cardholders.
  • Low foreign transaction fee.

Cons

  • The annual fee is $80 p.a.
  • Ongoing interest rates are around average for a rewards credit card.
  • No balance transfer offer.
ANZ Cashback Visa Credit Card

Balance transfer

N/A

Purchase rate

19.95% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • Earn $1 cashback for every $150 spent on eligible purchases.
  • $40 p.a. annual fee.
  • Up to 55 days interest-free on purchases when you pay your account in full each month.

Pros

  • Earn unlimited cashback rewards.
  • Low annual fee.
  • Get up to 55 interest-free days on purchases.

Cons

  • No ongoing sign-up promo on this card.
  • No balance transfer offer.
ANZ Airpoints Visa Platinum Credit Card

Balance transfer

N/A

Purchase rate

19.95% p.a. ongoing

Annual fee

$150.00 p.a. ongoing

Highlights

  • Earn 1 Airpoints Dollar for every $110 spent on eligible purchases.
  • Earn 50% bonus Status Points on top of the Status Points you earn on eligible flights with Air New Zealand.
  • $150 p.a. annual fee (with $75 charged every six months).
  • Comes with complimentary overseas travel insurance.

Pros

  • Earn Airpoints Dollars per dollar spent.
  • No cap on what you can earn.
  • Get an advance if you need more for a redemption.
  • Earn bonus Status Points on eligible flights.
  • Complimentary international travel insurance.
  • Access to the Visa Concierge.

Cons

  • $150 p.a. annual fee.
  • Average ongoing interest rates.
ANZ Airpoints Visa Credit Card

Balance transfer

N/A

Purchase rate

19.95% p.a. ongoing

Annual fee

$65.00 p.a. ongoing

Highlights

  • Earn 1 Airpoints Dollar for every $170 you spend on eligible purchases.
  • Earn unlimited Airpoints Dollars that never expire.
  • $65 p.a. annual fee.
  • Up to 44 days interest-free on purchases.

Pros

  • Earn Airpoints Dollars with no cap.
  • Low ongoing annual fee.
  • Cheap to add additional cardholders.

Cons

  • Average ongoing interest rates.
  • No travel insurance policy.
  • No lounge access.
  • No concierge service.