ANZ Credit Cards

ANZ is one of the Big 4 banks in Australia. ANZ is a provider of various banking, investment and insurance products such as credit cards, home and personal loans, bank accounts, home insurance, life insurance and car insurance.

What credit cards does ANZ offer? 

If you’re considering an ANZ card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by purchase rate (lowest to highest).

Compare Credit Cards

More information about ANZ credit cards

We have summarised below some of the key features of various ANZ credit cards, according to its information available on its website at the time of writing.

ANZ Rewards Black

FeaturesANZ Rewards Black

  • Card type: Visa
  • Minimum credit limit: $15,000
  • Additional cardholders: Up to nine additional cardholders at the cost of $65 each per year 
  • Contactless payments: Contactless payments with ANZ cards are available on compatible smartphones and wearable devices with Apple Pay,Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
  • Online: Card can be managed through online banking and the ANZ mobile app which is available for iOS and Android.
  • Security: Card is protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions, ANZ Fraud Money Back Guarantee which provides protection against fraudulent transactions and a worldwide emergency credit card replacement service.
  • Rewards program: Reward points can be earned on eligible purchases with this card. At the time of writing, two points are earned per dollar spent in eligible purchases up to a $5,000 limit per statement period. Purchases after that limit earn one reward point per dollar. Reward points can be redeemed on flights, gift cards or cashback on your credit card, among other things. This card also offers complimentary insurances and access to exclusive invitation-only ANZ events. Terms and conditions apply. 

ANZ Rewards Platinum

FeaturesANZ Rewards Platinum

  • Card type: Visa
  • Annual fee: $95
  • Interest-free period: Up top 55 days 
  • Minimum credit limit: $6,000
  • Additional cardholders: Up to nine for an annual fee of $65 for each additional cardholder
  • Contactless payments: Contactless payments with ANZ cards are available on compatible smartphone or wearable devices with Apple Pay,Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
  • Online: Card can be managed through online banking and the ANZ mobile app, available for both iOS and Android.
  • Security: Card is protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions, ANZ Fraud Money Back Guarantee which provides protection against fraudulent transactions, and a worldwide emergency credit card replacement service.
  • Rewards program: Reward points can be earned for money spent using this card on eligible purchases. At the time of writing, every dollar spent up to $2,000 per statement period earn 1.5 points. Purchases after the $2,000 limit has been reached earn 0.5 points per dollar spent. Points can be redeemed for travel and flights, gift cards or cash back on your credit card or other ANZ account, among other things.This card also provides complimentary insurance when you travel and for your shopping. Terms and conditions apply.

    ANZ Rewrads

ANZ Rewards

Features

  • Card type:Visa
  • Annual fee: $80
  • Interest-free period: Up to 55 days 
  • Minimum credit limit: $1,000
  • Additional cardholders: Up to three for an annual fee of $65 for each additional cardholder
  • Contactless payments: Contactless payments with ANZ cards are available on compatible smartphones and wearable devices with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
  • Online: Card can be managed through online banking and via the ANZ mobile app which is available for both iOS and Android.
  • Security: This card is protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions, ANZ Fraud Money Back Guarantee which provides protection against fraudulent transactions and a worldwide emergency credit card replacement service.
  • Rewards program: This card earns reward points for money spent on eligible purchases. At the time of writing, each dollar spent on eligible purchases up to and including $1,000 per statement period earns one reward point. Eligible purchases over the $1,000 limit earn 0.5 reward points per dollar spent.

Compare Rewards Credit Cards

ANZ Frequent Flyer Black

FeaturesANZ Frequent Flyer Black

  • Card type: Visa
  • Annual fee: $425
  • Minimum credit limit: $15,000
  • Additional cardholders: Up to nine for an annual fee of $65 per additional cardholder
  • Contactless payments: Contactless payments with ANZ cards are also available on compatible mobile and wearable devices with Apple Pay,Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
  • Online: This card can be managed through online banking and the ANZ mobile app which is available for both iOS and Android.
  • Security: This card is protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions, ANZ Fraud Money Back Guarantee which provides protection against fraudulent transactions and a worldwide emergency credit card replacement service.
  • Rewards program: At the time of writing, every dollar spent on eligible purchases up to $7,500 per statement period earns one Qantas Point. Purchases over the $7,500 limit earn 0.5 Qantas Points per dollar. There is no limit on the number of Qantas Points that you can earn and they can be redeemed on a variety of travel and shopping purchases and other rewards.This card also offers complimentary travel and shopping insurances, two complimentary passes to access the Qantas Club lounge per year and access to exclusive invitation-only ANZ events.Terms and conditions apply.

ANZ Frequent Flyer Platinum

FeaturesANZ Frequent Flyer Platinum Card

  • Card type: Visa
  • Annual fee: $295
  • Minimum credit limit: $6,000
  • Additional cardholders: Up to nine additional cardholders at the cost of $65 each per year
  • Contactless payments: Contactless payments with ANZ cards are available on compatible mobile and wearable devices with Apple Pay,Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay
  • Online: This card can be managed through online banking and via the ANZ mobile app for iOS and Android.
  • Security: This card is protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions, ANZ Fraud Money Back Guarantee which provides protection against fraudulent transactions and a worldwide emergency credit card replacement service.
  • Rewards program: At the time of writing, each dollar spent on eligible purchases up to $3,000 per statement period earns 0.75 Qantas Points. Purchases after that limit has been reached earn 0.5 Qantas points per dollar spent. This card also offers complimentary insurance for shopping and travel. Terms and conditions apply. 

ANZ Frequent Flyer

FeaturesANZ Frequent Flyer Card

  • Card type: Visa
  • Annual fee: $95
  • Interest-free period: Up to 55 days
  • Minimum credit limit: $1,000
  • Additional cardholders: Up to three additional cardholders at the cost of $65 each per year
  • Contactless payments: Contactless payments with ANZ cards are available on compatible mobile and wearable devices with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
  • Online: This card can be managed through online banking and via the ANZ mobile app which is available for both iOS and Android.
  • Security: This card is protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions, ANZ Fraud Money Back Guarantee which provides protection against fraudulent transactions and a worldwide emergency credit card replacement service.
  • Rewards program: This card offers Qantas Points for money spent on eligible purchases. Each dollar spent up to $500 per statement period earns 0.5 Qantas Points. Purchases exceeding that limit earn 0.25 Qantas Points per dollar spent.

Compare Frequent Flyer Credit Cards

ANZ Platinum (Low Fee)

FeaturesANZ Low Rate Platinum

  • Card type: Visa
  • Annual fee: $0 annual fee in the first year, $87 after that (or $0 if you spend $20,000 on eligible purchases in 12 months)
  • Interest-free period: Up to 55 days. 0% p.a. (for 18 months) on balance transfers. 
  • Minimum credit limit: $6,000
  • Additional cardholders: Up to nine additional cardholders at no extra cost
  • Contactless payments: ANZ Visa payWave is enabled for purchase under $100. Contactless payments with ANZ cards are also available on compatible mobile and wearable devices with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
  • Online: This card can be managed through online banking and the ANZ mobile app, available for both iOS and Android.
  • Security: This card is protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions, ANZ Fraud Money Back Guarantee which provides protection against fraudulent transactions and a worldwide emergency credit card replacement service.
  • Insurance: May be eligible to receive complimentary insurances for travel and shopping. Terms and conditions apply.

ANZ First (Low Fee)

FeaturesANZ First (Low Fee)

  • Card type: Visa
  • Annual fee: $30
  • Minimum credit limit: $1,000
  • Additional cardholders: Up to three additional cardholders allowed at no extra cost
  • Contactless payments: ANZ Visa payWave enabled for purchases under $100. Contactless payments with ANZ cards are also available on compatible mobile and wearable devices with Apple Pay,Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
  • Online: This card can be managed through online banking and the ANZ mobile app which is available for both iOS and Android.
  • Security: This card is protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions, ANZ Fraud Money Back Guarantee which provides protection against fraudulent transactions and a worldwide emergency credit card replacement.
  • Insurance: This card may offer complimentary insurances for shopping, however, terms, conditions and exclusions may apply.

ANZ First for Students

Features

  • ANZ First (Low Fee)Card type: Visa
  • Annual fee: $30 per year, however the first year is free for full time tertiary students
  • Interest-free period: Up to 55 days
  • Minimum credit limit: $500
  • Additional cardholders: Up to three additional cardholders at no additional cost
  • Minimum income required for eligibility: To be eligible you must be earning at least $15,000 per year. This may include payments from part-time work, Youth Allowance and Austudy. You must also be studying full-time at an eligible Australian educational institution.
  • Contactless payments: ANZ Visa payWave enabled for purchases under $100. Contactless payments with ANZ cards are also available on compatible smartphone or wearable devices with Apple Pay, Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay
  • Online: This card can be managed through online banking and the ANZ mobile app which is available for both iOS and Android.
  • Security: This card protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions, ANZ Fraud Money Back Guarantee which provides protection against fraudulent transactions and a worldwide emergency credit card replacement service.
  • Insurance: This card may offer complimentary insurance for shopping, however, terms, conditions and exclusions may apply.

Compare Low Fee Credit Cards

ANZ Low Rate

anz low rate card

Features

  • Card type: Visa
  • Annual fee: $58
  • Interest-free period: Up to 55 days 
  • Minimum credit limit: $1,000
  • Additional cardholders: Up to three additional cardholders at no extra cost
  • Contactless payments: ANZ Visa payWave is enabled for purchases under $100. Contactless payments with ANZ cards are also available on compatible mobile or wearable devices with Apple Pay, Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay.
  • Online: This card can be managed through online banking and the ANZ mobile app for iOS and Android.
  • Security: This card is protected by ANZ Falcon™ 24/7 monitoring for suspicious transactions, ANZ Fraud Money Back Guarantee which provides protection against fraudulent transactions and a worldwide emergency credit card replacement service.

ANZ Credit Cards FAQs

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

  • You must be at least 18 years old.
  • You must be a permanent Australian resident or non-permanent resident with more than nine months remaining on your visa.
  • Have a good credit rating.

Depending on what credit card you apply for, ANZ may require that you don’t currently hold and haven’t opened or closed an ANZ travel or rewards credit card in the last 12 months. For more information on eligibility requirements, refer to the ANZ website.

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, over the phone or by visiting a branch in-store. 

According to the ANZ website, you should have the following details handy when making an application:

  • An Australian driver’s licence number (if applicable)
  • Your ANZ account number or Customer Registration Number (if applicable)
  • Details of your income, expenses, assets and liabilities
  • Two recent payslips as proof of your income – if you are self-employed you’ll need your accountant’s phone number
  • Details of your living expenses, such as regular bills
  • Your email address

ANZ says that the application process takes about five minutes and, if approved, you may receive your card within five business days.

You will have to activate the credit card when it arrives before you are able to use it. ANZ says you can activate the card using ANZ online banking, over the phone or in person at an ANZ branch.

You can manage your ANZ credit card through online banking or via the ANZ mobile app. You can register for online banking on the ANZ website, but if you’re having trouble, you can contact ANZ via their online live chat service, over the phone or in a branch.

Online banking and the ANZ app may be used to activate your card, view your balance and transaction history and order a replacement card, among other things.

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 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:

At the time of writing, there is an interest-free period of up to 55 interest-free days for all ANZ 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 and will be set out in the letter of offer provided to you by ANZ, keeping in mind the minimum and maximum credit limits available for each card. If you wish to increase or decrease your credit limit, you may do so online, over the phone or by submitting an application form which is available on the ANZ website.

 

You can close your ANZ credit card account at any time by contacting ANZ and making a request online, over the phone, by post or in-branch.

ANZ advises that your card balance will need to be repaid in full even after the card is closed (including any interest and fees) and you will continue to receive monthly statements until your card balance is fully repaid. If you are experiencing financial hardship, you may be able to get help in making repayments by contacting ANZ or visiting the ANZ Financial Hardship website. 

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 was founded in 1835 in London and Sydney as the Bank of Australasia and moved into Melbourne in 1838. ANZ is one of the Big 4 Banks in Australia and, according to its website,is the largest banking group in the Pacific and New Zealand region, ranking among the top 50 banks in the world.

If you’re comparing credit cards, the table below displays a snapshot of the low interest credit cards currently available on Canstar’s database for Australian’s looking to spend around $2,000 per month. Please note that this table features links direct to the providers website, and is sorted by Star Rating (highest to lowest). Use Canstar’s credit card comparison selector to view a wider range of credit cards..

Written by: Eliza Parry-Okeden | Last updated: April 21, 2020