ANZ Credit Cards

Type of ANZ credit cardsANZ 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.” (ANZ)

Types of ANZ Credit Card

There are 12 ANZ credit cards in different forms at the time of writing:

Credit Card Types Products
ANZ Rewards Cards ANZ Rewards Travel Adventures Card
ANZ Rewards Black
ANZ Rewards Platinum
ANZ Rewards
ANZ Frequent Flyer Cards ANZ Frequent Flyer Black
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer
ANZ Low Fee Cards ANZ Platinum
ANZ First
ANZ First for Students
ANZ Low Rate Cards ANZ Low Rate Platinum
ANZ Low Rate

Compare ANZ Low Fee Credit Cards

If you’re considering an ANZ low fee cards, check out what’s available based a monthly spend of $1,000

Compare Other Credit Cards Types

ANZ Rewards Travel Adventures Card

ANZ Visa 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

FeaturesANZ Rewards Black

  • Card type: VISA
  • Minimum credit limit: $15,000
  • Minimum income required for eligibility: $75,000 p.a.
  • 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.
  • 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.

ANZ Rewards Platinum

FeaturesANZ Rewards Platinum

  • Card type: VISA
  • Minimum credit limit: $6,000
  • Minimum income required for eligibility: $35,000 p.a.
  • 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.
  • 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.

ANZ Rewards

FeaturesANZ Rewrads

  • Card type:VISA
  • Minimum credit limit: $1,000
  • Minimum income required for eligibility: $15,000 p.a.
  • 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.
  • 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.

Compare Rewards Credit Cards


ANZ Frequent Flyer Black

FeaturesANZ Frequent Flyer Black

  • Card type: VISA
  • Minimum credit limit: $15,000
  • Minimum income required for eligibility: $75,000 p.a.
  • 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.
  • 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.

ANZ Frequent Flyer Platinum

FeaturesANZ Frequent Flyer Platinum Card

  • Card type: VISA
  • Minimum credit limit: $6,000
  • Minimum income required for eligibility: $35,000 p.a.
  • 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.
  • 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.

ANZ Frequent Flyer

FeaturesANZ Frequent Flyer Card

  • Card type: VISA
  • Minimum credit limit: $1,000
  • Minimum income required for eligibility: $15,000 p.a.
  • 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.
  • 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.

Compare Frequent Flyer Credit Cards


ANZ Platinum (Low Fee)

FeaturesANZ Low Rate Platinum

  • Card type: VISA
  • Minimum credit limit: $6,000
  • Minimum income required for eligibility: $35,000 p.a.
  • 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.
  • 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.

ANZ First (Low Fee)

FeaturesANZ First (Low Fee)

  • Card type: VISA
  • Minimum credit limit: $500
  • Minimum income required for eligibility: $15,000 p.a.
  • 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.
  • 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.

Compare Low Fee Credit Cards

ANZ Low Rate Platinum

FeaturesANZ Low Rate Platinum

  • Card type: MasterCard
  • Minimum credit limit: $6,000
  • Minimum income required for eligibility: $35,000 p.a.
  • 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.
  • 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.

ANZ Low Rate

FeaturesANZ Low Rate

  • Card type: MasterCard
  • Minimum credit limit: $1,000
  • Minimum income required for eligibility: $15,000 p.a.
  • 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.
  • 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.

Compare Low Rate Credit Cards

Frequently Asked Questions on 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.

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).

First, check whether you are eligible to apply for an ANZ credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online, or by visiting a branch in-store or calling 132 888. Have your ID and income details handy and check our list of documentation you may need when applying for a credit card.

It takes about 5 minutes, and you can expect to receive a response in 60 seconds (ANZ). In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time by calling 13 33 33 (open 7 days, Mon-Sun) with your application reference number.

You will have to activate the card when it arrives before you are able to use that card. Activate the card using the ANZ goMoney mobile banking app or online banking, or by calling ANZ’s activation hotline on 1800 652 033.

You can manage your ANZ credit card through online banking or the goMoney mobile banking app. You can register for online banking on the ANZ website, but if you’re having trouble, you can visit a branch in-store or call 13 33 33. Use online banking or the goMoney mobile banking app to do things like activate your card, view your recent transaction history, view your balance, and more.

When interest is charged:

Interest is charged when you carry a balance on your ANZ credit card. Interest is charged on cash advances from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

When interest is not charged:

Up to 44 interest-free days apply to the ANZ First, ANZ First for Students, ANZ Rewards, and ANZ Frequent Flyer credit cards.

Up to 55 interest-free days apply to the ANZ Platinum, ANZ Low Rate, ANZ Low Rate Platinum, ANZ Rewards Black, ANZ Rewards Travel Adventures, ANZ Rewards Platinum, ANZ Frequent Flyer Platinum, and ANZ Frequent Flyer Black credit cards.

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).

Your credit limit for an ANZ credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. Find out more about how credit limits are determined here.

You can close your ANZ credit card account at any time by contacting ANZ:

  • Phone: 13 22 73 (within Australia) (open 7 days, Mon-Sun) or +61 3 9683 7043 (from overseas)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the Financial Difficulty team to get help in making repayments:

  • Phone: 1800 252 845 (within Australia) (open Mon-Fri)

If you are closing your ANZ credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

Compare Credit Cards

ANZ Credit Cards

CANSTAR Research
Rating:
Award: Outstanding Value 5-Star Rated Credit Cards

Rewards, Premium & Frequent Flyer Profiles

ANZ Rewards Black | ANZ Rewards Travel Adventures Card

View 2016 Credit Card Star Ratings Report

Written by: TJ Ryan | Last updated: February 28, 2017

CANSTAR is an information provider and in giving you product information CANSTAR is not making any suggestion or recommendation about a particular credit product. If you decided to apply for a credit card, you will deal directly with a 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.

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.