ANZ Credit Cards

ANZ credit cards are provided by ANZ Bank. ANZ is also a provider of home loans and personal loans, bank accounts, investment products, home insurance, life insurance, car insurance, and travel insurance.

“Your world, your way.”

Types of ANZ Credit Card

ANZ logoThere are 10 ANZ credit cards in different forms:

ANZ Rewards Cards:

  1. ANZ Rewards Travel Adventures Card
  2. ANZ Rewards Black
  3. ANZ Rewards Platinum
  4. ANZ Rewards

ANZ Frequent Flyer Cards:

  1. ANZ Frequent Flyer Black
  2. ANZ Frequent Flyer Platinum
  3. ANZ Frequent Flyer

ANZ Low Fee Cards:

  1. ANZ Platinum
  2. ANZ First

ANZ Low Rate Cards:

  1. ANZ Low Rate Platinum
  2. ANZ Low Rate

At the time of writing, sign-up bonuses apply to certain cards. For example, when signing up for the ANZ Rewards Black card at the time of writing, customers can receive a $0 annual fee for the first year plus 75,000 reward points if they spend $2,500 on eligible purchases within the first three months.

Source: ANZ Australia

The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.

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ANZ Rewards Travel Adventures Card

ANZ Rewards Travel Adventures Card

We’ve written about the features, interest rates, and fees of the ANZ Rewards Travel Adventures Card in a separate page here.

ANZ Rewards Black

ANZ Rewards Black

Features

  • Card type: American Express and VISA
  • Minimum credit limit: $15,000
  • Minimum income required for eligibility: $75,000 p.a.
  • Rewards program:
    • Reward Points: Highest rewards point earning rate of any ANZ credit card: Earn 3 Reward Points for every dollar spent on AMEX; earn 1.25 Reward Points for every dollar spent on VISA. Points are redeemable for gift cards, entertainment, merchandise, travel, and more.
    • Concierge: 24/7 personal concierge available worldwide.
    • Airline lounge: Complimentary access to participating overseas airline lounges at some of the world’s top travel destinations, including London, Dubai, Singapore and Bangkok.
    • Exclusive offers: American Express Connect or VISA Entertainment rewards programs offer exclusive travel, dining, and shopping offers.
  • Contactless payments: ANZ goMoney app allows contactless payments with iPhone or Android. Contactless payments with ANZ cards are also available on compatible Apple or Android devices with Apple Pay, Android Pay, and ANZ Mobile Pay.
  • Online: Card can be managed through online banking and mobile app.
  • Insurance (complimentary):
    • Complimentary Overseas Travel and Medical Insurance (with QBE), Interstate Flight Inconvenience Insurance for up to 14 days, and Rental Excess Cover in Australia.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on major personal and household purchases, for up to an additional 12 months.
    • Price protection: Best Price Guarantee Scheme means if you find the same product advertised for a lower price within 21 days, from a store within 25km of the original purchase, you can claim back the difference if it is more than $75 and less than $300.
    • Purchase protection: 90-day Purchase Security Insurance protects against loss, theft, or accidental damage on most personal items, for up to 3 months from date of purchase.
  • Insurance (optional):
    • ANZ Credit Card Insuranceis available for an extra cost, to help cover the cost of minimum monthly repayments in the case of unexpected redundancy, illness, or injury.
  • Security: Card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions; ANZ Fraud Money Back Guarantee protection against fraudulent transactions; and worldwide emergency credit card replacement.

Rates and Fees

  • Interest rate on purchases: 79% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 99% p.a.
  • Cash advance fee: 2% for ATMs; greater of 2% or $4 over the counter
  • Balance transfer rate: 99% p.a.
  • Annual fee: $375
  • Additional cardholder annual fee: $65/card for up to 9 additional cardholders
  • Minimum monthly repayment: Greater of 2% of balance or $25
  • Payment handling fee: $0
  • International fees: 3% fee on all purchases and cash advances overseas, plus 2% cash advance fee overseas
  • Paper statement fee: $0
  • Late fee for overdue minimum payment: $20
  • Over-the-limit fee: $20
  • Dishonour fee: $6

ANZ Rewards Platinum

ANZ Rewards Platinum

Features

  • Card type: American Express and VISA
  • Minimum credit limit: $6,000
  • Minimum income required for eligibility: $35,000 p.a.
  • Rewards program:
    • Reward Points: Earn 2 Reward Points for every dollar spent on AMEX; earn 1 Reward Points for every dollar spent on VISA. Points are redeemable for gift cards, entertainment, merchandise, travel, and more.
    • Concierge: 24/7 personal concierge available worldwide.
    • Exclusive offers: American Express Connect or VISA Entertainment rewards programs offer exclusive travel, dining, and shopping offers.
  • Contactless payments: ANZ goMoney app allows contactless payments with iPhone or Android. Contactless payments with ANZ cards are also available on compatible Apple or Android devices with Apple Pay, Android Pay, and ANZ Mobile Pay.
  • Online: Card can be managed through online banking and mobile app.
  • Insurance (complimentary):
    • Complimentary Overseas Travel and Medical Insurance (with QBE), Interstate Flight Inconvenience Insurance for up to 14 days, and Rental Excess Cover in Australia.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on major personal and household purchases, for up to an additional 12 months.
    • Price protection: Best Price Guarantee Scheme means if you find the same product advertised for a lower price within 21 days, from a store within 25km of the original purchase, you can claim back the difference if it is more than $75 and less than $300.
    • Purchase protection: 90-day Purchase Security Insurance protects against loss, theft, or accidental damage on most personal items, for up to 3 months from date of purchase.
  • Insurance (optional):
    • ANZ Credit Card Insuranceis available for an extra cost, to help cover the cost of minimum monthly repayments in the case of unexpected redundancy, illness, or injury.
  • Security: Card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions; ANZ Fraud Money Back Guarantee protection against fraudulent transactions; and worldwide emergency credit card replacement.

Rates and Fees

  • Interest rate on purchases: 79% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 99% p.a.
  • Cash advance fee: 2% for ATMs; greater of 2% or $4 over the counter
  • Balance transfer rate: 99% p.a.
  • Annual fee: $95
  • Additional cardholder annual fee: $65/card for up to 9 additional cardholders
  • Minimum monthly repayment: Greater of 2% of balance or $25
  • Payment handling fee: $0
  • International fees: 3% fee on all purchases and cash advances overseas, plus 2% cash advance fee overseas
  • Paper statement fee: $0
  • Late fee for overdue minimum payment: $20
  • Over-the-limit fee: $20
  • Dishonour fee: $6

ANZ Rewards

ANZ Rewards

Features

  • Card type: American Express and VISA
  • Minimum credit limit: $1,000
  • Minimum income required for eligibility: $15,000 p.a.
  • Rewards program:
    • Reward Points: Earn 1.5 Reward Points for every dollar spent on AMEX; earn 0.75 Reward Points for every dollar spent on VISA. Points are redeemable for gift cards, entertainment, merchandise, travel, and more.
    • Exclusive offers: American Express Connect or VISA Entertainment rewards programs offer exclusive travel, dining, and shopping offers.
  • Contactless payments: ANZ goMoney app allows contactless payments with iPhone or Android. Contactless payments with ANZ cards are also available on compatible Apple or Android devices with Apple Pay, Android Pay, and ANZ Mobile Pay.
  • Online: Card can be managed through online banking and mobile app.
  • Insurance (optional):
    • ANZ Credit Card Insuranceis available for an extra cost, to help cover the cost of minimum monthly repayments in the case of unexpected redundancy, illness, or injury.
  • Security: Card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions; ANZ Fraud Money Back Guarantee protection against fraudulent transactions; and worldwide emergency credit card replacement.

Rates and Fees

  • Interest rate on purchases: 79% p.a.
  • Interest free days: Up to 44 days if balance paid in full every month
  • Cash advance rate: 99% p.a.
  • Cash advance fee: 2% for ATMs; greater of 2% or $4 over the counter
  • Balance transfer rate: 99% p.a.
  • Annual fee: $80
  • Additional cardholder annual fee: $65/card for up to 3 additional cardholders
  • Minimum monthly repayment: Greater of 2% of balance or $25
  • Payment handling fee: $0
  • International fees: 3% fee on all purchases and cash advances overseas, plus 2% cash advance fee overseas
  • Paper statement fee: $0
  • Late fee for overdue minimum payment: $20
  • Over-the-limit fee: $20
  • Dishonour fee: $6

Compare Rewards Credit Cards

ANZ Frequent Flyer Black

ANZ Frequent Flyer Black

Features

  • Card type: American Express and VISA
  • Minimum credit limit: $15,000
  • Minimum income required for eligibility: $75,000 p.a.
  • Rewards program:
    • Reward Points: Highest Qantas Points earn rate of any ANZ credit card: Earn 1.5 Qantas Points for every dollar spent on AMEX; earn 0.75 Qantas Points for every dollar spent on VISA. Uncapped points on everyday purchases; earn 1 additional bonus point for every dollar spent on selected Qantas products and services.
    • Concierge: 24/7 personal concierge available worldwide.
    • Airline lounge: Two Qantas Club lounge access passes per year when flying on Qantas or Jetstar. Discounted Qantas Club membership for first year.
    • Exclusive offers: Exclusives by ANZ rewards program offers exclusive entertainment, dining, and lifestyle experiences. Card also features offers from American Express Connect and VISA Entertainment.
  • Contactless payments: ANZ goMoney app allows contactless payments with iPhone or Android. Contactless payments with ANZ cards are also available on compatible Apple or Android devices with Apple Pay, Android Pay, and ANZ Mobile Pay.
  • Online: Card can be managed through online banking and mobile app.
  • Insurance (complimentary):
    • Complimentary Overseas Travel and Medical Insurance (with QBE), Interstate Flight Inconvenience Insurance for up to 14 days, and Rental Excess Cover in Australia.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on major personal and household purchases, for up to an additional 12 months.
    • Price protection: Best Price Guarantee Scheme means if you find the same product advertised for a lower price within 21 days, from a store within 25km of the original purchase, you can claim back the difference if it is more than $75 and less than $300.
    • Purchase protection: 90-day Purchase Security Insurance protects against loss, theft, or accidental damage on most personal items, for up to 3 months from date of purchase.
  • Insurance (optional):
    • ANZ Credit Card Insuranceis available for an extra cost, to help cover the cost of minimum monthly repayments in the case of unexpected redundancy, illness, or injury.
  • Security: Card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions; ANZ Fraud Money Back Guarantee protection against fraudulent transactions; and worldwide emergency credit card replacement.

Rates and Fees

  • Interest rate on purchases: 99% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 49% p.a.
  • Cash advance fee: 2% for ATMs; greater of 2% or $4 over the counter
  • Balance transfer rate:49% p.a.
  • Annual fee: $425
  • Additional cardholder annual fee: $65/card for up to 9 additional cardholders
  • Minimum monthly repayment: Greater of 2% of balance or $25
  • Payment handling fee: $0
  • International fees: 3% fee on all purchases and cash advances overseas, plus 2% cash advance fee overseas
  • Paper statement fee: $0
  • Late fee for overdue minimum payment: $20
  • Over-the-limit fee: $20
  • Dishonour fee: $6

ANZ Frequent Flyer Platinum

ANZ Frequent Flyer Platinum

Features

  • Card type: American Express and VISA
  • Minimum credit limit: $6,000
  • Minimum income required for eligibility: $35,000 p.a.
  • Rewards program:
    • Reward Points: Earn 1.5 Qantas Points for every dollar spent on AMEX; earn 0.5 Qantas Points for every dollar spent on VISA. Earn 1 additional bonus point for every dollar spent on selected Qantas products and services.
    • Concierge: 24/7 personal concierge available worldwide.
    • Exclusive offers: American Express Connect or VISA Entertainment rewards programs offer exclusive travel, dining, and shopping offers.
  • Contactless payments: ANZ goMoney app allows contactless payments with iPhone or Android. Contactless payments with ANZ cards are also available on compatible Apple or Android devices with Apple Pay, Android Pay, and ANZ Mobile Pay.
  • Online: Card can be managed through online banking and mobile app.
  • Insurance (complimentary):
    • Complimentary Overseas Travel and Medical Insurance (with QBE), Interstate Flight Inconvenience Insurance for up to 14 days, and Rental Excess Cover in Australia.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on major personal and household purchases, for up to an additional 12 months.
    • Price protection: Best Price Guarantee Scheme means if you find the same product advertised for a lower price within 21 days, from a store within 25km of the original purchase, you can claim back the difference if it is more than $75 and less than $300.
    • Purchase protection: 90-day Purchase Security Insurance protects against loss, theft, or accidental damage on most personal items, for up to 3 months from date of purchase.
  • Insurance (optional):
    • ANZ Credit Card Insuranceis available for an extra cost, to help cover the cost of minimum monthly repayments in the case of unexpected redundancy, illness, or injury.
  • Security: Card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions; ANZ Fraud Money Back Guarantee protection against fraudulent transactions; and worldwide emergency credit card replacement.

Rates and Fees

  • Interest rate on purchases: 99% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 49% p.a.
  • Cash advance fee: 2% for ATMs; greater of 2% or $4 over the counter
  • Balance transfer rate:49% p.a.
  • Annual fee: $295
  • Additional cardholder annual fee: $65/card for up to 9 additional cardholders
  • Minimum monthly repayment: Greater of 2% of balance or $25
  • Payment handling fee: $0
  • International fees: 3% fee on all purchases and cash advances overseas, plus 2% cash advance fee overseas
  • Paper statement fee: $0
  • Late fee for overdue minimum payment: $20
  • Over-the-limit fee: $20

ANZ Frequent Flyer

ANZ Frequent Flyer

Features

  • Card type: American Express and VISA
  • Minimum credit limit: $1,000
  • Minimum income required for eligibility: $15,000 p.a.
  • Rewards program:
    • Reward Points: Earn 1 Qantas Point for every dollar spent on AMEX (up to $3,000/month); earn 0.5 Qantas Points for every dollar spent on VISA (up to $3,000/month). Earn 1 additional bonus point for every dollar spent on selected Qantas products and services. Complimentary Qantas Frequent Flyer membership if not already a member.
    • Exclusive offers: American Express Connect or VISA Entertainment rewards programs offer exclusive travel, dining, and shopping offers.
  • Contactless payments: ANZ goMoney app allows contactless payments with iPhone or Android. Contactless payments with ANZ cards are also available on compatible Apple or Android devices with Apple Pay, Android Pay, and ANZ Mobile Pay.
  • Online: Card can be managed through online banking and mobile app.
  • Insurance (optional):
    • ANZ Credit Card Insuranceis available for an extra cost, to help cover the cost of minimum monthly repayments in the case of unexpected redundancy, illness, or injury.
  • Security: Card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions; ANZ Fraud Money Back Guarantee protection against fraudulent transactions; and worldwide emergency credit card replacement.

Rates and Fees

  • Interest rate on purchases: 99% p.a.
  • Interest free days: Up to 44 days if balance paid in full every month
  • Cash advance rate: 49% p.a.
  • Cash advance fee: 2% for ATMs; greater of 2% or $4 over the counter
  • Balance transfer rate:49% p.a.
  • Annual fee: $95
  • Additional cardholder annual fee: $65/card for up to 3 additional cardholders
  • Minimum monthly repayment: Greater of 2% of balance or $25
  • Payment handling fee: $0
  • International fees: 3% fee on all purchases and cash advances overseas, plus 2% cash advance fee overseas
  • Paper statement fee: $0
  • Late fee for overdue minimum payment: $20
  • Over-the-limit fee: $20

Compare Frequent Flyer Credit Cards

ANZ Platinum (Low Fee)

ANZ Platinum

Features

  • Card type: VISA
  • Minimum credit limit: $6,000
  • Minimum income required for eligibility: $35,000 p.a.
  • Concierge: 24/7 personal concierge available worldwide.
  • Contactless payments: ANZ Visa payWave enabled. ANZ goMoney app allows contactless payments with iPhone or Android. Contactless payments with ANZ cards are also available on compatible Apple or Android devices with Apple Pay, Android Pay, and ANZ Mobile Pay.
  • Online: Card can be managed through online banking and mobile app.
  • Insurance (complimentary):
    • Complimentary Overseas Travel and Medical Insurance (with QBE), Interstate Flight Inconvenience Insurance for up to 14 days, and Rental Excess Cover in Australia.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on major personal and household purchases, for up to an additional 12 months.
    • Price protection: Best Price Guarantee Scheme means if you find the same product advertised for a lower price within 21 days, from a store within 25km of the original purchase, you can claim back the difference if it is more than $75 and less than $300.
    • Purchase protection: 90-day Purchase Security Insurance protects against loss, theft, or accidental damage on most personal items, for up to 3 months from date of purchase.
  • Insurance (optional):
    • ANZ Credit Card Insuranceis available for an extra cost, to help cover the cost of minimum monthly repayments in the case of unexpected redundancy, illness, or injury.
  • Security: Card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions; ANZ Fraud Money Back Guarantee protection against fraudulent transactions; and worldwide emergency credit card replacement.

Rates and Fees

  • Interest rate on purchases: 74% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 49% p.a.
  • Cash advance fee: 2% for ATMs; greater of 2% or $4 over the counter
  • Balance transfer rate: 0%a. for the first 18 months (afterwards reverts to standard balance transfer rate of 21.49% p.a.)
  • Balance transfer fee: 3% on balance transfer amount
  • Annual fee: $0 for first year, afterwards $87/year or $0/year if you make $20,000 of eligible purchases in 12 months
  • Additional cardholder annual fee: $0/card for up to 9 additional cardholders
  • Minimum monthly repayment: Greater of 2% of balance or $25
  • Payment handling fee: $0
  • International fees: 3% fee on all purchases and cash advances overseas, plus 2% cash advance fee overseas
  • Paper statement fee: $0
  • Late fee for overdue minimum payment: $20
  • Over-the-limit fee: $20
  • Dishonour fee: $6

ANZ First (Low Fee)

ANZ First (Low Fee)

Features

  • Card type: VISA
  • Minimum credit limit: $1,000
  • Minimum income required for eligibility: $15,000 p.a.
  • Exclusive offers: VISA Entertainment offers complimentary special offers, ticket pre-sales, and movie screenings.
  • Contactless payments: ANZ Visa payWave enabled. ANZ goMoney app allows contactless payments with iPhone or Android. Contactless payments with ANZ cards are also available on compatible Apple or Android devices with Apple Pay, Android Pay, and ANZ Mobile Pay.
  • Online: Card can be managed through online banking and mobile app.
  • Insurance (complimentary):
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on major personal and household purchases, for up to an additional 12 months.
    • Purchase protection: 90-day Purchase Security Insurance protects against loss, theft, or accidental damage on most personal items, for up to 3 months from date of purchase.
  • Insurance (optional):
    • ANZ Credit Card Insuranceis available for an extra cost, to help cover the cost of minimum monthly repayments in the case of unexpected redundancy, illness, or injury.
  • Security: Card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions; ANZ Fraud Money Back Guarantee protection against fraudulent transactions; and worldwide emergency credit card replacement.

Rates and Fees

  • Interest rate on purchases: 74% p.a.
  • Interest free days: Up to 44 days if balance paid in full every month
  • Cash advance rate: 49% p.a.
  • Cash advance fee: 2% for ATMs; greater of 2% or $4 over the counter
  • Balance transfer rate: 0%a. for the first 18 months (afterwards reverts to standard balance transfer rate of 21.49% p.a.)
  • Balance transfer fee: 3% on balance transfer amount
  • Annual fee: $0 for first year, afterwards $87/year or $0/year if you make $20,000 of eligible purchases in 12 months
  • Additional cardholder annual fee: $0/card for up to 9 additional cardholders
  • Minimum monthly repayment: Greater of 2% of balance or $25
  • Payment handling fee: $0
  • International fees: 3% fee on all purchases and cash advances overseas, plus 2% cash advance fee overseas
  • Paper statement fee: $0
  • Late fee for overdue minimum payment: $20
  • Over-the-limit fee: $20
  • Dishonour fee: $6

Compare Low Fee Credit Cards

ANZ Low Rate Platinum

ANZ Low Rate Platinum

Features

  • Card type: MasterCard
  • Minimum credit limit: $6,000
  • Minimum income required for eligibility: $35,000 p.a.
  • Rewards program: MasterCard Priceless Cities experiences available.
  • Concierge: 24/7 personal concierge available worldwide.
  • Contactless payments: ANZ MasterCard PayPass enabled. ANZ goMoney app allows contactless payments with iPhone or Android. Contactless payments with ANZ cards are also available on compatible Apple or Android devices with Apple Pay, Android Pay, and ANZ Mobile Pay.
  • Online: Card can be managed through online banking and mobile app.
  • Insurance (complimentary):
    • Complimentary Overseas Travel and Medical Insurance (with QBE), Interstate Flight Inconvenience Insurance for up to 14 days, and Rental Excess Cover in Australia.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on major personal and household purchases, for up to an additional 12 months.
    • Price protection: Best Price Guarantee Scheme means if you find the same product advertised for a lower price within 21 days, from a store within 25km of the original purchase, you can claim back the difference if it is more than $75 and less than $300.
    • Purchase protection: 90-day Purchase Security Insurance protects against loss, theft, or accidental damage on most personal items, for up to 3 months from date of purchase.
  • Insurance (optional):
    • ANZ Credit Card Insuranceis available for an extra cost, to help cover the cost of minimum monthly repayments in the case of unexpected redundancy, illness, or injury.
  • Security: Card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions; ANZ Fraud Money Back Guarantee protection against fraudulent transactions; and worldwide emergency credit card replacement.

Rates and Fees

  • Interest rate on purchases: 49% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 74% p.a.
  • Cash advance fee: 2% for ATMs; greater of 2% or $4 over the counter
  • Balance transfer rate: 0%a. for the first 18 months (afterwards reverts to standard balance transfer rate of 21.74% p.a.)
  • Balance transfer fee: 3% on balance transfer amount
  • Annual fee: $99/year
  • Additional cardholder annual fee: $0/card for up to 9 additional cardholders
  • Minimum monthly repayment: Greater of 2% of balance or $25
  • Payment handling fee: $0
  • International fees: 3% fee on all purchases and cash advances overseas, plus 2% cash advance fee overseas
  • Paper statement fee: $0
  • Late fee for overdue minimum payment: $20
  • Over-the-limit fee: $20
  • Dishonour fee: $6

ANZ Low Rate

ANZ Low Rate

Features

  • Card type: MasterCard
  • Minimum credit limit: $1,000
  • Minimum income required for eligibility: $15,000 p.a.
  • Rewards program: MasterCard Priceless Cities experiences available.
  • Contactless payments: ANZ MasterCard PayPass enabled. ANZ goMoney app allows contactless payments with iPhone or Android. Contactless payments with ANZ cards are also available on compatible Apple or Android devices with Apple Pay, Android Pay, and ANZ Mobile Pay.
  • Online: Card can be managed through online banking and mobile app.
  • Insurance (optional):
    • ANZ Credit Card Insuranceis available for an extra cost, to help cover the cost of minimum monthly repayments in the case of unexpected redundancy, illness, or injury.
  • Security: Card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions; ANZ Fraud Money Back Guarantee protection against fraudulent transactions; and worldwide emergency credit card replacement.

Rates and Fees

  • Interest rate on purchases: 49% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 74% p.a.
  • Cash advance fee: 2% for ATMs; greater of 2% or $4 over the counter
  • Balance transfer rate: 0%a. for the first 18 months (afterwards reverts to standard balance transfer rate of 21.74% p.a.)
  • Balance transfer fee: 3% on balance transfer amount
  • Annual fee: $58/year
  • Additional cardholder annual fee: $0/card for up to 3 additional cardholders
  • Minimum monthly repayment: Greater of 2% of balance or $25
  • Payment handling fee: $0
  • International fees: 3% fee on all purchases and cash advances overseas, plus 2% cash advance fee overseas
  • Paper statement fee: $0
  • Late fee for overdue minimum payment: $20
  • Over-the-limit fee: $20
  • Dishonour fee: $6

Compare Low Rate Credit Cards

Eligibility to apply for ANZ Credit Cards

To apply for any of the ANZ credit card products, you must be able to satisfy the following criteria:

  • At least 18 years old.
  • Permanent Australian resident or non-Australian permanent resident with more than 9 months remaining on your visa.
  • Good credit rating.
  • Sufficient proof of regular income (recent payslips).
  • If self-employed, you will need your accountant’s phone number.

CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.

If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information.

About ANZ

ANZ Building
Image (iStockphoto) by Olga Kashubin

ANZ has a long history, founded in 1835 in London and Sydney as the Bank of Australasia and moving into Melbourne in 1838. As one of the Big 4 Banks in Australia, ANZ is the largest banking group in the Pacific and New Zealand region, and is ranked among the top 50 banks in the world.

To help Australians learn better money skills, ANZ created the free, online MoneyMinded education course, used by 360,000 people in 2015 alone. It really works – 7 out of 10 people who completed MoneyMinded said they felt less stressed about their financial future. And of course, everyone can benefit from their Money Minded Monday series of handy hints videos (available on YouTube).

ANZ supports the Australian community through initiatives such as the GIVE program, which stands for ANZ’s activities in Giving, Investing, Volunteering, and Emergency Relief, and funding worthy causes through three types of community grants. ANZ also supports the environment by reducing greenhouse gas emissions, using more than 80% renewable energy, sustainable sourcing, and recycling waste (Sustainability highlights, 2015).

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Written by: TJ Ryan