Compare ANZ Credit Cards

Compare ANZ credit cards from a bank renowned for its heritage and global reach, ranking among Australia's top four and the world's top 50 banks.

By   |   Updated 25 Apr 2024

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Comparing ANZ credit cards

ANZ Low Rate Credit Card

On website

ANZ Low Rate Credit Card

Highlights

  • Enjoy 0% p.a. for 28 months on balance transfers with a 3% balance transfer fee (then reverts to 21.24% p.a.) Terms and Conditions apply.
  • First-year annual fee waived ($58 subsequently).
  • Continuous low rate of 12.49% p.a. on purchases.
  • Enjoy up to 55 days interest-free on purchases by settling your account completely each month.

Pros

  • Enjoy 0% p.a. on balance transfers up to 28 months.
  • $0 annual fee for the first year ($58 p.a. thereafter).
  • Take advantage of the low purchase interest rate of 12.49% p.a.
  • Add up to 3 additional cardholders at no extra cost.

Cons

  • No purchase or travel insurance included.
  • No rewards program.
ANZ Rewards Black Credit Card

On website

ANZ Rewards Black Credit Card

Highlights

  • Get 180,000 bonus Reward Points and $150 cash back upon spending $3,000 on qualifying purchases within the initial 3 months of approval.
  • Accrue 2 Reward Points for every $1 spent on qualifying purchases, up to $5,000 per statement period.
  • Enjoy complimentary international travel insurance.

Pros

  • Receive 180,000 bonus ANZ Rewards points and earn a $150 cash back when you meet the criteria.
  • Earn 2 points per $1 spent on eligible purchases up to $5,000 per statement period.
  • There is no cap on the number of points you can earn.
  • Free international travel insurance and purchase protection insurance.

Cons

  • The $375 p.a. annual fee.
  • Doesn't come with lounge access or a concierge service.
  • No balance transfer offer.
ANZ Rewards Platinum Credit Card

On website

ANZ Rewards Platinum Credit Card

Highlights

  • Obtain 80,000 bonus Reward Points and $50 cashback upon spending $2,000 on eligible purchases within the initial 3 months after approval.
  • Access a variety of complimentary insurances for both travel and purchases.
  • Accumulate ANZ Rewards Points on your everyday purchases.

Pros

  • 80,000 bonus Reward Points and a $50 cashback when you meet the criteria.
  • Earn 1.5 points per $1 spent up to $2,000 per statement period.
  • No cap on the total number of points you can earn.
  • Comes with complimentary insurance covers, including international travel insurance and purchase protection insurance.
  • ANZ Rewards points can be transferred to several airline partners, giving you booking flexibility.
  • Up to 55 days interest-free on purchases.

Cons

  • There is a $65 annual fee per additional cardholder.
  • The earn rate drops to 0.5 points per $1 after $2,000 per statement period.
  • No balance transfer offer.
  • No lounge access.
ANZ Platinum Credit Card

On website

ANZ Platinum Credit Card

Highlights

  • Receive $250 cashback upon spending $1,500 on eligible purchases within the initial 3 months after approval. Terms and Conditions apply.
  • Enjoy up to 55 days interest-free on purchases by paying your account in full each month.
  • No annual fee for the first year. Subsequently, a standard annual fee of $87 p.a. applies.

Pros

  • Earn a $250 cashback when you meet the spend criteria.
  • $0 annual fee in the first year, $87 p.a. thereafter (terms and conditions apply).
  • Comes with Personal Concierge service,
  • Complimentary insurance covers include international travel insurance, purchase protection insurance, and extended warranty insurance.

Cons

  • There is no rewards program on this card.
  • No balance transfer offer.
ANZ First Visa Credit Card

On website

ANZ First Visa Credit Card

Highlights

  • Obtain $100 cashback upon spending $750 on eligible purchases within the initial 3 months after approval. Terms and Conditions apply.
  • Enjoy a $0 annual fee for the first year ($30 p.a. thereafter).
  • Benefit from up to 55 days interest-free on purchases by paying your account in full each month.

Pros

  • Earn a $100 cashback when you meet the criteria.
  • $0 first-year annual fee.
  • A low minimum credit limit of $1,000.

Cons

  • There are no ANZ Rewards or Qantas Points benefits.
  • There are cards with a lower ongoing purchase rate.
ANZ Business Black Credit Card

On website

ANZ Business Black Credit Card

Highlights

  • Get 100,000 bonus Reward Points upon spending $6,000 on eligible purchases within the initial 3 months after approval.
  • Save $300 with no Annual Card Fee and save $75 per card with no Rewards Fee for the first year on a new ANZ Business Black credit card (Terms and Conditions apply).
  • Earn 1.5 Reward Points per $1 spent on eligible purchases up to and including $10,000 per statement period.
  • Receive complimentary Unauthorized Transactions Insurance, International Travel Insurance, and Transit Accident Insurance for overseas travel.

Pros

  • Substantial sign-up bonus for new qualifying customers.
  • Earn 1 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points (at a reduced rate).
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has extended warranty, fraud protection, purchase protection insurance, and transport accident insurance.
  • Cardholders have access to ANZ's concierge service.
  • Add unlimited cardholders for free to share the account with staff.
  • Works with Apple Pay, Google Pay, and Samsung Pay, making payments more convenient.
  • Get a data feed for Xero, MYOB, and QuickBooks, making accounting and bookkeeping more streamlined.

Cons

  • The card's ongoing annual fee is $300 p.a. after the first year's waiver.
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory offer on purchases and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $10,000 spent per statement period.
ANZ Frequent Flyer Platinum Credit Card

On website

ANZ Frequent Flyer Platinum Credit Card

Highlights

  • Receive a bonus of 75,000 Qantas points upon spending $2,500 on qualifying purchases within the initial 3 months of approval.
  • Get 0.75 Qantas Points for every $1 spent on eligible purchases (capped at $3,000), and thereafter, earn 0.5 Qantas Points per $1 spent in each statement period.
  • Enjoy a complimentary Qantas Frequent Flyer Membership.

Pros

  • 75,000 bonus Qantas Frequent Flyer points.
  • Earn 0.75 points per $1 spent up to $3,000 per statement period.
  • Comes with a number of complimentary insurances, including international travel insurance.
  • Up to 55 days interest-free on purchases.

Cons

  • The annual fee of $295 p.a. is high.
  • Although uncapped, the earn rate drops to 0.5 points per $1 on any spend above $3,000 per statement period.
  • There is no balance transfer offer available.
  • It costs $65 p.a. per additional cardholder, which adds up.
ANZ Business 55 Interest Free Days Credit Card

On website

ANZ Business 55 Interest Free Days Credit Card

Highlights

  • No annual fee for the initial year ($150 p.a. afterward).
  • Enjoy up to 55 days interest-free on purchases by paying your account in full monthly.
  • Benefit from complimentary additional cardholders.

Pros

  • Up to 55 days interest-free.
  • No annual fee for the first year.
  • Give employees a card each while maintaining control over their spending.
  • Integrates with popular accounting software for easier bookkeeping.
  • Works with most popular digital wallets.

Cons

  • No travel insurance or concierge services.
  • No rewards program or sign up bonus.
  • After the first year, there's an annual fee of $150 p.a.
  • The 3% foreign transaction fee.
ANZ Frequent Flyer Black Credit Card

On website

ANZ Frequent Flyer Black Credit Card

Highlights

  • Receive up to 130,000 points. Obtain 100,000 bonus Qantas Points and $250 cashback to your new card upon spending $5,000 on qualifying purchases within the initial 3 months from approval. Additionally, earn an extra 30,000 bonus Qantas Points by maintaining your card for over 12 months. Terms and Conditions apply.
  • Earn 1 Qantas Point for every $1 spent on eligible purchases, up to $7,500 per statement period.
  • Enjoy 7 complimentary insurances, including International Travel Insurance.

Pros

  • Earn up to 130,000 bonus Qantas Points and $250 cashback when you meet the criteria.
  • 1 point per $1 spent up to $7,500 per statement period.
  • Earn an uncapped number of points.
  • Enjoy 2 complimentary Qantas Club lounge invitations each year.
  • Comes with complimentary international travel insurance.
  • Up to 55 days interest-free on purchases.

Cons

  • The annual fee of $425 p.a. is high.
  • Earn rate drops to 0.5 points per $1 spent above $7,500 per statement period.
  • No balance transfer offer.
ANZ Business Low Rate Credit Card

On website

ANZ Business Low Rate Credit Card

Highlights

  • No annual fee for the initial year ($100 p.a. afterward).
  • Benefit from a low ongoing interest rate on purchases.
  • Enjoy unlimited complimentary additional cardholders.
  • Includes Unauthorized Transaction Insurance.

Pros

  • No annual fee for the first year.
  • Low-interest rate of 12.99% on purchases.
  • Comparatively lower cash advance rate at 14.49% p.a.
  • Includes Transit Accident Insurance.

Cons

  • There is no interest-free period on this card.
  • No rewards program or sign-up bonus.
  • After the first year, there's an annual fee of $100 p.a.

ANZ, a leading institution among Australia's Big Four banks, provides an extensive array of credit card choices for both individual and business purposes. For those interested in rewards or frequent flyer credit cards, ANZ offers the opportunity to accumulate uncapped points on daily expenditures, which can be redeemed for flights, gift cards, cashback, and additional rewards. ANZ credit cards are compatible with major digital wallets such as Apple Pay, Samsung Pay, and Google Pay, enhancing payment flexibility and convenience.

Types of ANZ credit cards

  • Low rate credit cards: ANZ offers low-rate credit cards for customers looking to save on interest costs. These cards typically have competitive interest rates on purchases and may include a promotional balance transfer offer. Cardholders can benefit from budget-friendly features while still having access to credit.
  • Rewards credit cards: ANZ's rewards credit cards allow customers to earn points on their everyday spending, which can be redeemed for various rewards such as travel, gift cards, merchandise, and more. Some cards may offer bonus points for sign-up or increased points earned on specific categories like groceries or fuel. Cardholders can enjoy the flexibility of redeeming points for rewards that suit their lifestyle.
  • Premium credit cards: ANZ's premium credit cards cater to customers who seek additional benefits and privileges. These cards may include features such as airport lounge access, concierge services, complimentary insurance covers, and higher rewards earning rates. Premium cards often come with higher annual fees but offer exclusive perks that enhance the cardholder's overall experience.

Benefits of ANZ credit cards

  • Competitive interest rates: ANZ provides credit cards with competitive interest rates, allowing cardholders to manage their finances efficiently.
  • Rewards programs: Cardholders can earn points on their spending and redeem them for various rewards, adding value to their card usage and transferring points to other airline programs for frequent flyers.
  • Complimentary insurance: Some ANZ credit cards offer complimentary insurance covers such as travel insurance, purchase protection, and extended warranty.
  • Exclusive benefits: Premium ANZ credit cards include exclusive benefits like airport lounge access, concierge services, and discounted offers.

How to apply for an ANZ Credit Card

  1. Online application: Compare our table of ANZ credit cards and click 'apply' on the credit card that fits your requirements. It will redirect you to the ANZ website to complete the online application form with your personal and financial details.
  2. In-person application: Visit an ANZ branch and speak to a banking representative who can guide you through the application process.
  3. Documentation: Ensure you have the necessary documents, such as proof of income, identification documents, and any other required information.
  4. Approval: Wait for the application to be processed. You will receive your new ANZ credit card and the relevant terms and conditions if approved.

Managing your ANZ credit card

  • Online banking: Access your ANZ credit card account online to view transactions, pay bills, set up alerts, and manage your account preferences.
  • Mobile app: Download the ANZ mobile app to manage your credit card on the go, track spending, and make payments conveniently.
  • Customer service: Contact ANZ customer service for any queries, assistance with lost or stolen cards, or to report fraudulent activities.

Help choosing an ANZ credit card

Navigate the options and find your ideal ANZ credit card with ease.

  • FAQs

  • Pros & cons

What are the eligibility criteria for applying for an ANZ credit card?

To apply for an ANZ credit card, you typically need to be an Australian resident or citizen, be over 18 years old, and meet the minimum income requirements specified by ANZ.

How can I earn rewards with an ANZ credit card?

You can earn rewards with an ANZ credit card by making eligible purchases using your card. Each dollar spent may earn you points, which can be redeemed for various rewards.

What fees are associated with ANZ credit cards?

ANZ credit cards may have annual fees, late payment fees, cash advance fees, and overseas transaction fees. Reviewing the card's terms and conditions to understand the applicable fees is essential.

Can I manage my ANZ credit card account online?

Yes, ANZ provides online banking services that allow you to manage your credit card account, view transactions, make payments, and update your personal information conveniently.

Do ANZ credit cards offer any travel benefits?

Some ANZ credit cards, especially premium ones, may offer travel benefits such as airport lounge access, travel insurance, and complimentary concierge services to enhance your travel experience.

Pros

Diverse card options for various needs

ANZ offers a diverse selection of credit cards tailored to different preferences and lifestyles, including rewards cards, low-rate cards, and premium cards, giving customers ample choice to find a card that aligns with their financial goals.

Competitive interest rates and fees

ANZ credit cards often feature competitive interest rates and fees, making them an attractive option for users seeking cost-effective credit solutions without sacrificing quality or features.

Robust rewards programs with flexible redemption options

Many ANZ credit cards come with robust rewards programs, offering points for spending that can be redeemed for a variety of rewards, such as travel, merchandise, gift cards, or statement credits, providing cardholders with flexibility and value.

Innovative digital banking features

ANZ integrates innovative digital banking features into its credit cards, including contactless payment options, mobile banking apps with budgeting tools, and compatibility with digital wallets like Apple Pay and Google Pay, enhancing convenience and security for users.

Cons

Annual fees vary across cards

While some ANZ credit cards may offer no annual fees, others may come with annual fees that vary depending on the card type and benefits, potentially making it challenging for users to find a suitable card without annual fees.

Limited travel benefits compared to premium cards

ANZ credit cards may not offer as extensive travel benefits as premium cards from other providers, such as complimentary travel insurance, airport lounge access, or concierge services, which could deter frequent travelers from seeking these perks.

Foreign transaction fees apply

Cardholders may incur foreign transaction fees when using ANZ credit cards for purchases made in foreign currencies, similar to many other credit card providers, resulting in additional costs for international transactions.

Mixed reviews regarding customer service

Some customers have reported mixed experiences with ANZ's customer service, citing issues such as long wait times, difficulty resolving, or inconsistent service quality, which may impact overall satisfaction with the card.

Higher cash advance fees and interest rates

ANZ credit cards typically impose higher fees and interest rates for cash advances compared to regular purchases, making cash withdrawals using the credit card an expensive option and potentially discouraging users from utilizing this feature unless necessary.