About ANZ credit cards
ANZ, one of Australia’s leading Big Four banks, offers a wide selection of credit cards designed for both personal and business needs. Renowned for its reliable banking services, ANZ provides options that cater to various financial preferences, whether you’re after low interest rates, rewards, or premium features. With ANZ credit cards, customers can earn uncapped points on everyday purchases, redeemable for flights, gift cards, cashback, and more.
Types of ANZ credit cards
ANZ provides several credit card types to suit different spending habits and goals. Here’s an overview:
- Balance transfer offers: Keen to pay off a credit card from another bank or brand? Get an ANZ credit card with a 0% balance transfer offer to save on interest during the intro period. Minimum balance transfer amount is $100, and you can request up to 95% of your available credit limit.
- Rewards credit cards: Earn points per $1 spent on everyday purchases with ANZ Rewards credit cards. Redeem points for digital gift cards, cashback on your account, or frequent flyer point transfers to Asia Miles, Air New Zealand Airpoints, Singapore Airlines KrisFlyer, and Velocity Frequent Flyer.
- Frequent flyer credit cards: If you’re a Qantas Frequent Flyer member, choose from two ANZ Frequent Flyer credit cards to earn Qantas Points per $1 spent on daily purchases. ANZ Frequent Flyer Platinum and ANZ Frequent Flyer Black come with extra perks like complimentary international travel insurance and airport lounge passes.
- Low interest rate credit cards: The ANZ Low Rate card offers a 13.74% p.a. interest rate on purchases. Keeps costs in check with a relatively low annual fee.
- Business credit cards: ANZ provides a range of rewards and lower-cost business credit cards. Track business spending with features like additional cards for employees, fraud monitoring, and daily data feeds for accounting software like Xero, MYOB, and Intuit QuickBooks Online.
Benefits of ANZ credit cards
ANZ credit cards offer a range of advantages:
- Competitive interest rates: Enjoy affordable rates that make it easier to manage your spending and repayments.
- Rewards programs: Earn points on purchases, redeemable for travel, gift cards, or cashback, with the option to transfer points to frequent flyer programs.
- Complimentary insurance: Certain cards provide added peace of mind with travel insurance, purchase protection, and extended warranties.
- Exclusive perks: Premium cardholders gain access to benefits like airport lounge passes, concierge assistance, and special discounts.
- Payment flexibility: Use digital wallets such as Apple Pay, Samsung Pay, or Google Pay for fast, secure transactions.
Eligibility criteria for ANZ credit cards
To qualify for an ANZ credit card, you’ll typically need to meet the following standard requirements:
- Age: Be at least 18 years old.
- Residency: Be an Australian citizen or permanent resident.
- Income: Earn a minimum income, which varies depending on the card type.
- Credit history: Maintain a solid credit record, as ANZ will review your creditworthiness.
Exact criteria may differ by card, so it’s worth checking the specific requirements before applying.
How to apply for an ANZ credit card
Getting an ANZ credit card is a simple process, whether you apply online or in person:
- Compare options: Browse our comparison table to pick the ANZ credit card that best fits your needs, then click ‘apply’ to head to the ANZ website.
- Submit your application: Complete the online form with your personal and financial details, or visit an ANZ branch for in-person support.
- Prepare documents: Have your proof of income, ID, and any other requested documents on hand.
- Wait for approval: Once submitted, ANZ will review your application and, if successful, send your new card along with its terms and conditions.
Credit cards similar to ANZ
Credit cards with similar features and rates to ANZ cards:
