ANZ Credit Cards

The table below displays a selection of ANZ credit cards on our database.

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Editor-in-Chief
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  • Purchase rate p.a. - lowest first
  • Purchase rate p.a. - highest first
  • Reward points per $1 - lowest first
  • Reward points per $1 - highest first
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  • Annual fee - highest first
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.99%
-
$55
dot
0% p.a. interest rate on balance transfers for 24 mths.
dot
2% BT fee applies.
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 234945.
12.99%
-
$59
dot
0% p.a. for 24 months on balance transfers.
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Free overseas travel insurance. No FX fees.
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3% BT Fee. Ltd time, other fees, T&Cs apply.
Offer
Travel insurance
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.74%
-
$59
dot
0.00% p.a. interest rate on balance transfers for 26 mths. Rate reverts to 21.49% p.a. Balance transfer fee of 2% applies.
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 230686.
20.74%
0.50
uncapped
$0
dot
Points never expire
Fees & charges apply. Australian Credit Licence 230686.
Fees & charges apply. Australian Credit Licence 230686.
promoted
Fees & charges apply. Australian Credit Licence 234527.
20.99%
-
$30
$0 in first year
Bonus
Discount
Fees & charges apply. Australian Credit Licence 234527.
Fees & charges apply. Australian Credit Licence 234527.

You’ve seen all your search results.

We couldn’t find any other products from our Online Partners, so here are a few from other providers…

promoted
ANZ Rewards Black
Fees & charges apply. Australian Credit Licence 234527.
ANZ Rewards Black
20.99%
2
up to $5,000/month then 1 uncapped
$375
Link Not Supplied
Bonus
Travel insurance
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.
promoted
ANZ Rewards Platinum
Fees & charges apply. Australian Credit Licence 234527.
ANZ Rewards Platinum
20.99%
1.50
up to $2,000/month then 0.5 uncapped
$149
Link Not Supplied
Bonus
Travel insurance
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.
promoted
ANZ Rewards Platinum - Velocity Offer
Fees & charges apply. Australian Credit Licence 234527.
ANZ Rewards Platinum - Velocity Offer
20.99%
1.50
up to $2,000/month then 0.5 uncapped
$149
Link Not Supplied
Bonus
Travel insurance
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.
promoted
ANZ Frequent Flyer Black
Fees & charges apply. Australian Credit Licence 234527.
ANZ Frequent Flyer Black
20.99%
1
up to $7,500/month then 0.5 uncapped
$425
Link Not Supplied
Bonus
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.
promoted
ANZ Frequent Flyer Platinum
Fees & charges apply. Australian Credit Licence 234527.
ANZ Frequent Flyer Platinum
20.99%
0.75
up to $3,000/month then 0.5 uncapped
$295
Link Not Supplied
Bonus
Travel insurance
Points never expire
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.
promoted
ANZ Low Rate - Balance Transfer Offer
Fees & charges apply. Australian Credit Licence 234527.
ANZ Low Rate - Balance Transfer Offer
13.74%
-
$58
$0 in first year
Link Not Supplied
Offer
Discount
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.
promoted
ANZ Low Rate - Credit Back to Your Card Offer
Fees & charges apply. Australian Credit Licence 234527.
ANZ Low Rate - Credit Back to Your Card Offer
13.74%
-
$58
Link Not Supplied
Bonus
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.
promoted
ANZ Platinum
Fees & charges apply. Australian Credit Licence 234527.
ANZ Platinum
20.99%
-
$87
$0 in first year
Link Not Supplied
Bonus
Discount
Travel insurance
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.

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The initial results in the table above are sorted by Reward points per $1 (High-Low) , then Annual fee (Low-High) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.

promoted
Fees & charges apply. Australian Credit Licence 291313.
Receive 50,000 Bonus Qantas Points
dot
Receive 50,000 bonus Qantas points
dot
Min spend $5k in first 3 months. Offer ends 1 July 2025
dot
T&Cs apply. New Amex Card Members only.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.

About ANZ credit cards

ANZ credit cards are provided by Australia and New Zealand Banking Group Limited (ANZ). ANZ offers Low Annual Fee, Low Interest Rate, Rewards and Frequent Flyer credit cards.

ANZ is one of Australia’s big four banks and provides various banking, lending and investment products such as credit cards, home loans, car loans, personal loans, transaction and savings accounts and superannuation. ANZ is also a provider of home insurance and car insurance.

ANZ was founded in 1835 in London and Sydney as the Bank of Australasia, merging with Union Bank of Australia to form Australia and New Zealand Bank (ANZ) in 1951. ANZ states that it provides products and services to more than 8.5 million retail and business customers.

There are a range of important documents that should be read when taking on any credit product, including ANZ credit cards. These include a Target Market Determination (TMD), terms and conditions documents such as a Key Facts Sheet and, in ANZ’s case, its Consumer Credit Card Conditions of Use and the ANZ Consumer Credit Cards Fees and Charges. You can visit the ANZ website for this documentation. In addition, it’s worth checking the relevant Policy Information Booklet and TMD of any insurance products that are offered through these credit cards so you are aware of the inclusions, exclusions and limits that apply, as well as who the products are suited for.

Frequently Asked Questions about ANZ Credit Cards

Different types of credit cards may have different eligibility criteria. However, in general, to apply for an ANZ credit card, you must meet the following criteria:

  • at least 18 years old,
  • be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa,
  • have a good credit history,
  • agree to a credit check.

Depending on what credit card acquisition offer you apply for, ANZ may require that you don’t currently hold, and haven’t opened or closed, or held an ANZ credit card within the relevant product acquisition offer eligibility period, in order to be eligible for the offer. Refer to each product for offer eligibility periods as this may vary from 12 – 24 months.

Before you apply, it could be a good idea to check your credit score. This can be done for free with Canstar or via the Canstar App.

For more information on eligibility requirements, refer to the ANZ website or contact ANZ directly.

If eligibility requirements are met, you can apply online, visit the nearest branch, request a callback online or call on 13 22 73.

ANZ recommends having the following documentation prepared:

  • Australian driver’s licence number
  • Details of your income, assets and liabilities
  • Two recent pay slips for income verification
  • If you’re self-employed, you’ll need your accountant’s phone number
  • Details of your living expenses, such as regular bills
  • ANZ account number or Customer Registration Number (if you have one)
  • Email address

ANZ currently offers Low Annual Fee, Low Interest Rate, Rewards and Frequent Flyer credit cards.

ANZ’s Frequent Flyer credit cards are only compatible with Qantas Frequent Flyer points. ANZ recommends those seeking Velocity Frequent Flyer or other Frequent Flyer points to look into their Rewards credit cards that have airline partners that ANZ Rewards Points can be redeemed for Frequent Flyer points.

You can use the comparison table above to review and compare the credit cards on offer from ANZ.

You can activate your ANZ credit card online either through their ANZ Internet Banking or on the ANZ App. Alternatively, you can visit an ANZ branch or call 13 33 50.

ANZ highlights the importance of reading the accompanying Letter of Offer before activating your ANZ credit card. By activating your ANZ card, you are agreeing to the terms and services outlined in the Letter of Offer.

Interest is charged when you carry a balance on your ANZ credit card. Interest is calculated at the end of each day using the applicable annual interest rate divided by 365. The sum of the daily calculated interest will be calculated on the last day of the statement period.

Interest is charged on cash advances from the date of withdrawal and balance transfers from the date of transfer. Fees and charges may apply. Visit the ANZ website for more details.

When interest is not charged?

ANZ credit cards have an interest-free period of up to 55 days. Your Letter of offer will tell you if you have an interest-free period.

Interest-free days only apply if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed). If you do not pay these outstanding charges by the due date, interest will be charged the day after the due date.

The interest-free period can be regained if you pay all outstanding charges on the statement by the due date or if you have a zero or positive balance instead. However, any previous interest charged before you regained your interest-free period can still appear on your statement.

Each ANZ credit card has their own initial credit limit and your initial credit limit will be subject to the information you provide in your application. You can also request for a specific initial credit limit or a maximum credit limit. Both are at ANZ’s discretion, the lender states.

Once the application has been approved, you can find your initial credit limit in your Letter of Offer.

You can change your credit card limit by applying online through ANZ Internet Banking, using their online form, manually filling the application form and following the instructions on the form or contacting ANZ through your nearest branch or calling 13 22 73.

Any application to increase your credit limit will be subject to ANZ’s usual credit assessment and credit limit requests cannot be below the minimum credit limit that is applied to the ANZ credit card.

You can close your ANZ credit card account at any time by contacting ANZ and making a request online, in-branch, or over the phone on 13 22 73. ANZ says you are responsible for any transactions, as well as related interest charges, ANZ fees, stamp duty and other government charges, that are debited to your credit card account as a result of recurring transaction requests or standing authorities. You need to cancel any direct debits with other parties directly, and ensure your balance is repaid in full.

If you are experiencing financial hardship, you may be able to get help in making repayments by contacting ANZ.

The number of Reward Points you could earn per dollar spent may vary according to the ANZ Rewards credit card type you have. The table at the top of this page displays the points earned per dollar spent for eligible ANZ cards. You can find your initial number of Reward Points you can earn per dollar spent in your Letter of Offer.

ANZ states in their terms and conditions that they will advise you when the number of points you can earn decreases but are not obligated to advise on when they increase.

ANZ Rewards Points will expire within 36 months of 31 December of the year in which the points were added to your account. If there are any points left after their expiry, the points will be cancelled.

If you close your ANZ Rewards credit card, any remaining unused Rewards Points must be used within 90 days of the credit card closure. The points will be cancelled once the 90 days have passed.

ANZ states that if you’re not already a Qantas Frequent flyer member, you will receive a complimentary membership through ANZ if your ANZ Frequent Flyer credit card is approved. You will have to apply for membership online through Qantas’s ANZ Frequent Flyer website for the joining fee to be waived.

Points earned through your ANZ Frequent Flyer credit card will vary depending on the type of card you have. The table at the top of this page displays the points earned per dollar spent for eligible ANZ cards. ANZ states in their terms and conditions that they will advise in writing the initial number of points you can earn per dollar spent and when this number decreases. It also states that ANZ are not obligated to advise you on when there is an increase to the number of points earned per dollar spent.

With your Qantas Frequent Flyer account linked, points earned through your ANZ Frequent Flyer credit card are credited to the account after each statement period. Only whole points are credited.

Latest in credit cards

Canstar Credit Card Star Ratings and Awards

Looking for an award-winning credit card product or to switch providers or brands? Canstar rates products based on price and features in our Credit Card Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer Outstanding Value overall.

Canstar rates a range of financial products, covering banking, insurance and investment. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.

Credit Card Star Ratings and Awards

About our finance experts

Nina Rinella, Editor-in-Chief

Nina Rinella
As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists committed to helping empower consumers to take greater control of their finances. Nina has written countless articles about finance and has been interviewed on finance topics by media organisations including The Australian, Realestate.com.au, Domain, the Herald Sun and the Sydney Morning Herald. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for 8 years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids. Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series. You can follow her on LinkedIn and Canstar on Facebook. Meet the Canstar Editorial Team. Have a media enquiry, and interested in featuring Nina as a financial expert and commentator? Contact Canstar’s Media Team today.

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Joshua Sale

As Canstar’s Group Manager, Research, Ratings & Product Data, Josh Sale is responsible for the methodology and delivery of Canstar’s Credit Card Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right credit card for them.

Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Reviewnews.com.au and Money Magazine.

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Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards.

The Credit Cards Star Ratings are updated daily based on product features at that date, except for the Overseas Travel profile which is updated annually. Current rates, product features and fees are displayed and may be different to what was rated. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. Depending on which card feature/use you are looking at, the results will be sorted as follows:

  • Low fee is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Rewards is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Frequent Flyer is sorted by Star Ratings, then highest airline points per dollar, then alphabetically by brand.
  • Balance Transfer is sorted by Star Ratings, then lowest balance transfer rate, then lowest rate for the longest period, then lowest revert rate, then lowest upfront fee, and then alphabetically by brand. Please note that Balance Transfer Star Ratings are not for balance transfer suitability but are instead based on the Low Rate profile. 
  • All card types is sorted by highest Points per dollar spent, then lowest Annual fee, then alphabetically by brand.
  • Overseas Travel is sorted by Star Ratings, then lowest currency conversion on purchases, then lowest annual fee.

 

You can use the sort buttons at the top of each column to re-order the display. Learn more about our Credit Cards Star Rating Methodology and our Travel Credit Card and Travel Debit Card Star Ratings Methodology. The Occasional Overseas Traveller rating is shown in the table. The rating shown is only one factor to take into account when considering products. 

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. Canstar provides information about credit products. We’re not suggesting or recommending a particular credit product for you. If you decide to apply for a Credit Card, you will deal directly with the provider, not with Canstar. It’s important you check rates and product information directly with the provider. Consider the Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the TMD. For more information, read our Detailed Disclosure.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

Before you elect to terminate or modify existing lending arrangements, it is recommended that you consider all associated fees and application costs, as well as the timing and impact these changes could have on your wider financial arrangements and personal circumstances.