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.

• Qantas Frequent Flyer Credit Cards
• Velocity Frequent Flyer Credit Cards
• NAB Credit Cards
• Westpac Credit Cards
• Suncorp Credit Cards
• Credit cards that help you earn Etihad Guest Miles
• Kogan Money Credit Cards
• St George Bank Credit Cards
• Newcastle Permanent Credit Cards
• Visa Credit Cards
• Air New Zealand Credit Cards