ANZ Credit Cards

Updated 14 October 2019

ANZ is one of Australia's largest banks, from your first card to a multi-feature platinum card, and everything in between, ANZ has it covered. ANZ credit cards are a great choice if you want to be rewarded for your spending, with a wide range of credit cards on offer.

Being one of Australia’s Big Four banks, ANZ is instantly recognisable. Thanks to its size, ANZ is well placed to offer an array of financial products and services, including a wide range of credit cards. As you would expect from such a large range, there is something in there for everyone. From starter credit cards perfect for students, to premium cards packed with features and rewards-earning potential, these cards are diverse enough to appeal to all.

While it may be more commonly known as ANZ, the bank’s full title is the Australia and New Zealand Banking Group Limited. As such, it is the third largest bank by market capitalisation in Australia, after the Commonwealth Bank and Westpac. But, this is not just an Australian brand. ANZ also operates throughout New Zealand, and within 34 other nations.

In terms of its history, ANZ as it is known today goes back to 1951, when it was created out of the merger of the Bank of Australasia and the Union Bank of Australia Limited. As for values, the bank believes in “doing the right things well”. This principle is embraced in everything they do as an organisation, in how they deal with their customers, their shareholders, the community and each other.

If you’re interested to find out what ANZ has to offer in the way of credit cards, simply check out the list below. Whether you want to keep it simple with a basic, no frills option, whether you want to save on interest or annual fees, or whether you want to get something back in rewards and features, ANZ has all that covered within its extensive selection.

ANZ Low Rate Credit Card

ANZ Low Rate Credit Card

58 reviews
More info
$0 saved over 15 months
Your savings
$ saved over 15 months
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ANZ First for Students Credit Card

ANZ First for Students Credit Card

5 reviews
More info
$0 saved over months
Your savings
$ saved over months
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ANZ Platinum Credit Card

ANZ Platinum Credit Card

29 reviews
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$0 saved over 18 months
Your savings
$ saved over 18 months
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ANZ First Credit Card

ANZ First Credit Card

4 reviews
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$0 saved over 18 months
Your savings
$ saved over 18 months
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ANZ Business Low Rate

ANZ Business Low Rate

1 review
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$0 saved over 0 months
Your savings
$ saved over 0 months
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ANZ Business 55 Interest Free Days

ANZ Business 55 Interest Free Days

2 reviews
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$0 saved over 0 months
Your savings
$ saved over 0 months
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6 reviews
More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
25,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$95
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

4 reviews
More info
points earned over 12 months
0.75 points
16.77% Complete (success)
Qantas Frequent Flyer
50,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$295
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

6 reviews
More info
points earned over 12 months
1.5 points
16.77% Complete (success)
ANZ Rewards
50,000
points
16.77% Complete (success)
ANZ Rewards
$95
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

8 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
ANZ Rewards
25,000
points
16.77% Complete (success)
ANZ Rewards
$80
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

4 reviews
More info
points earned over 12 months
1.5 points
16.77% Complete (success)
ANZ Rewards
75,000
points
16.77% Complete (success)
ANZ Rewards
$225
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
2 points
16.77% Complete (success)
ANZ Rewards
100,000
points
16.77% Complete (success)
ANZ Rewards
$375
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

10 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Qantas Frequent Flyer
100,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$425
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
1.5 points
16.77% Complete (success)
ANZ Rewards
N/A
-1% Complete (success)
ANZ Rewards
$300
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

2 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
ANZ Rewards
N/A
-1% Complete (success)
ANZ Rewards
$200
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

The Australia and New Zealand Banking Group

More commonly known as ANZ – is one of Australia’s largest banks. Yep, one of the Big Four. Offering everything from credit cards and home loans, to insurance and investment advice, ANZ works hard to offer all the financial products you could ever need, all under one ‘roof’.

ANZ Credit Cards in Australia

Living in Australia, there are certain things we all grow up with. You slip, slop, slap and you clip every trip. You grow up as Weetbix kids – or as happy little Vegemites. Lucky enough to earn pocket money? Then you pop it in the piggy bank or you open an account with one of the Big Four.

Growing up with the Big Four, banking with the Big Four, often means we stay with the Big Four as adults. But is this the right thing to do? If you’re thinking about applying for a credit card now, should you choose one from the massive range on offer from a Big Four bank?

So, why should you choose ANZ as your credit card provider? One word: choice. As you may have gathered, ANZ is huge. It has hundreds of billions of dollars in assets and more product choice than you can shake a stick at.

If you’re looking for credit cards, ANZ has ‘em. From rewards cards and low rate low fee cards, to the feature-packed status symbols that are gold and platinum cards. Want to know more? Let’s take a look to see what ANZ has to offer.

What types of cards are on offer?

Starter Credit Cards

What is a starter card? As you could probably guess, a starter card is designed as an introduction to credit cards. ANZ actually has a couple of starter cards: the ANZ First Credit Card and the ANZ First for Students Credit Card.

What sets these apart from standard credit cards? One of the first things you should notice when comparing credit cards is the minimum income requirement. If you’re pulling in big bucks, then this shouldn’t be a big issue. However, if you’re just starting out in adult life, chances are your bank account looks a little leaner.

The ANZ First for Students Credit Card has a minimum income requirement of $15,000 per year. Not bad at all. But of course, you also need to be a full time student to apply for this one.

Why should you choose these cards?

Back to the starter cards. As any credit card provider would, ANZ will check your credit history when you apply. This will show whether you are good with money and can handle dealing with credit. Don’t have that much of a credit history? One of the great things about having a credit card is using it to build up your credit score.

Just know that treating credit correctly now will stand you in good stead for the future. When you apply for fancier credit cards, car loans, and home loans in the future, you will be extraordinarily happy that your credit is good. Believe us.

As for features, starter cards are not exactly feature-packed. You’ll usually find starter cards charge low annual fees, which means credit card companies aren’t overly excited to offer you expensive features. You may find a few good extras, but really, just focus on treating that piece of plastic properly.

Pay off the balance in full each month. Don’t just pay the minimum payment. Most importantly, don’t buy stuff you know you can’t pay back. Got it? Good.

Low Rate Low Fee Cards

Yep, these cards are exactly what you think they are. They either offer low interest rates, low annual fees – or, if you’re lucky, both. Take the Low Rate credit Card for example. It charges a low variable rate of interest, while charging a fairly inexpensive annual fee. While it doesn’t offer that much in the way of features, it’s perfect if you want a low rate of interest on your card.

Why should you choose these card?

While they may not be the most exciting of the bunch, low rate and low fee cards definitely have a place in the world. Helping you save on interest month-to-month, low interest rate cards are great if you tend to carry a balance. Similarly, cards with low or no annual fee help to keep costs down while still giving you access to credit.

If you want rewards and features, you may just find a low rate or low fee option. But if your goal is to save money, you may find that a no frills option is the best way to do that.

Rewards Cards

Who doesn’t love getting a little gift now and then? When you have a rewards card, you can earn rewards points on your credit card spending. Save up those rewards, and you can treat yourself to a little gift.

What kind of gift, you say? There are heaps of different rewards programs to choose from. If you love travelling, you could opt for a frequent flyer rewards program. Or, if you love shopping, you could choose a retail rewards program.

ANZ has plenty of rewards cards on offer. If you want a mix of rewards, check out the ANZ Rewards Credit Card and the ANZ Rewards Platinum Credit Card. These cards let you earn rewards points that can be redeemed for flights, merchandise, gift cards and cashback.

Alternatively, if you know you want travel-related rewards, take a look at the ANZ Frequent Flyer Credit Card, the ANZ Frequent Flyer Platinum Credit Card and the ANZ Rewards Travel Adventures Credit Card. With these little beauties you can earn rewards points as you use the card, as well as a range of travel extras. Want complimentary international travel insurance? Perhaps a free flight? Maybe some airport lounge passes? Check out the small print to see what’s on offer.

Why should you choose these cards?

If you’re a big spender on your card, a rewards card could be for you. Why? It’s simple. Spend big on your card and earn big on rewards. Of course, there’s a caveat. Be sure to pay off the balance in full each month, otherwise you’ll negate any rewards you earn with the interest you pay out.

Okay, this is important with any card. Always make sure you get more back from the card than you pay out. Rewards cards tend to charge higher annual fees and interest, hence, you pay to use them. Whether you’re looking at fees or interest, you have to make the card work for you.

Another side to this is the rewards program itself. You’d be surprised how often people choose a rewards credit card without thinking about what’s on offer. Choose a rewards card that offers rewards you actually want. A little comparison goes a long way.

Prestige Cards

ANZ has a few options on the table for prestige seekers. The ANZ Platinum Credit Card is the standard option, while the ANZ Rewards Platinum Credit Card and the ANZ Frequent Flyer Platinum Credit Card offer platinum perks and a rewards program.

Looking for something more? Cast your eyes over the ANZ Rewards Black Credit Card and the ANZ Frequent Flyer Black Credit Card. These cards have an annual fee of $375 and $425 respectively and you do get some pretty neat extras.

Why should you choose these cards?

When you apply for a platinum or black card, you’re really applying for all the added extras they offer. That could involve perks such as a personal concierge, or it could mean a higher rewards points earn rate. It could mean complimentary insurances and extended warranties. It could mean free flights and VIP airport lounge access.

If you love the little luxuries in life and want to get some lovely extras from your credit card, then a prestige card is for you. As we said when discussing rewards cards, you are paying for the extras. Just be sure that you get more back from your card than you pay in.

A Short History of ANZ

ANZ actually started out life as the Bank of Australasia, opening its first branch in Sydney in 1835. However, it wasn’t until 1951, with the merger of the Bank of Australasia and the Union Bank of Australia, that ANZ Bank was born.

Fast forward to 1970, to what was then the largest merger in Australian banking history. ANZ Bank merged with the English, Scottish and Australian Bank Limited to form the present organisation, Australia and New Zealand Banking Group Limited.

These days, ANZ is one of Australia’s four largest banks (yep, we certainly know that), and is the largest banking group in New Zealand and Pacific. It operates in 34 markets around the world, with a presence in Australia, New Zealand, Asia, Pacific, Europe, America and the Middle East.

You want a big bank? You got it. ANZ is most definitely a big bank.

Yes, for a list of options from ANZ only, simply browse through the table on the top of this page. ANZ offers are also included in our balance transfer category, for you to compare against balance transfers from other banks and issuers.
ANZ offers a range of Visa credit cards. ANZ also has credit cards across the table categories; balance transfers, no annual fee, frequent flyers, rewards (platinum and black), and low interest rate. The table above features a range of cards offered by ANZ across all the categories.
The ANZ benefits program is called ANZ rewards. This is separate to ANZ credit cards offering Qantas Frequent Flyer points. ANZ’s rewards program offers points redeemable for vouchers, gift cards, merchandise, travel options, entertainment and cash back.
ANZ has credit cards directly linked to the Qantas Frequent Flyer program; the ANZ Frequent Flyer card and the ANZ Frequent Flyer Platinum card. The ANZ Rewards credit cards also offer access to flyer points redeemable with Virgin Airlines, Singapore Airlines, Air New Zealand & Cathay Pacific.
Yes, ANZ has a fee for late credit card payments, it is $20.
Yes, the ANZ credit card terms and conditions state that so long as you did not contribute to the fraud as a cardholder, and notified the bank promptly, you have no liability for fraudulent transactions on your card.
Yes, the ANZ App and you can download it from the App Store. An Android version is available on Google Play.

For some, introductory offers are just the icing on the credit card cake. For others, a good intro offer is the sole reason for choosing that card. So, what kind of offers can you expect from ANZ credit cards?

Purchase Rate Offers

A credit card with a purchase rate offer gives you a lower rate of interest for a given period of time. This kind of offer is perfect if you want to make a big purchase on your card, and then save on interest while you pay it back.

ANZ often has purchase rate offers, especially on its rewards cards and prestige cards. So, what should you look for? Try to find an offer that has 0% on purchases for the longest period of time. This means you will pay no interest on your purchases, until that intro period is over.

Any catches? Make sure you pay off the balance before the intro period ends, as any unpaid balance will attract the revert rate. This is usually the card’s purchase rate or cash advance rate. Don’t put stuff on the card you can’t pay off, or you’ll have big problems when that interest starts accruing.

Balance Transfer Offers

This is another popular one on ANZ cards. A card with a balance transfer offer allows you to transfer the balance from an existing card, and then pay a lower rate of interest for a given period of time. After the intro period ends, any balance you are still to pay off will start accruing interest at the card’s revert rate.

Why would you want a balance transfer offer? If you have credit card debt that you want to pay down, a balance transfer card can give you the space you need. Choose an offer with the lowest balance transfer rate over the longest period of time.

Any catches with this one? Try not to spend on the card until you’ve paid off the transferred balance. Also, work your hardest to pay as much off during that intro period. Anything else? Check the small print, as you might have to pay a balance transfer fee.

Rewards Points Offers

If you love rewards, then you’re sure to love rewards offers. With so many rewards cards, ANZ often has rewards offers. You can find offers for bonus rewards points on sign-up. You can also find offers that provide extra points over your standard earn rate.

Catches? It’s a good idea to read the fine print of the offer. You may find that you have to spend a certain amount within a certain period of time, sometimes with a certain retailer to be eligible for the bonus points. As long as you know what you’re signing up for though, you should be fine.

Recently Asked Questions

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19 questions (showing the latest 10 Q&As)

Catherine

Catherine

16 May 2019
What email address can I lodge a corporate card application?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 May 2019
    Hi Catherine, I found this page on the ANZ site - https://www.anz.com.au/business/help-support/credit-cards/. I could not find an email address myself. Give them a buzz to check. ANZ Business Credit Cards - please call 1800 032 481 Mon-Fri 8am to 8pm (AEST) or ANZ Business Black Cards - please call 1800 362 579 Mon-Fri 8am to 8pm (AEST)
Hrishikesh Hariharan

Hrishikesh Hariharan

8 March 2019
Hi My Name Is Hrishikesh Hariharan I'm 18 years old and I am year 12 at School and Work Experience Waverley Industries. Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 March 2019
    Hi Hrishikesh, ANZ do have the First for Students card. It requires a minimum income of 15k to apply. You need to be in an approved Tertiary education to apply. Therefore you would need to wait until you start uni.
Roy Perron

Roy Perron

20 February 2019
How long are ANZ Platinum Credit Cards issued for before they need renewing. Are they 2 year or 3 year cards please.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 February 2019
    Hi Roy, I have no idea on this point. I would assume 3 years for these cards though this could vary. Give ANZ credit card customer service a call on 1800 033 844 to confirm.
Claris

Claris

19 October 2018
Is road side assist included in the benefit of anz platinum card?
Alan Newing

Alan Newing

3 October 2018
Checking annual fee cost currently $150 plus $110 rewards prog. Seems excessive. Is there a lower fee available
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 October 2018
    Hi Alan, what ANZ credit card do you have? Also how much do you spend on average per month on the card. What type of rewards are you looking for? I can think provide some suggestions on cards that could suit.
Joan Carlmark

Joan Carlmark

20 June 2018
What is the difference regarding insurance cover for your Platinum card and Black Frequent flyer card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 June 2018
    Hi Joan, the insurance is the same. The difference is may be the maximum length of time say for international travel insurance. Have a look at this PDF from ANZ credit cards with the details on the insurance available.
Filipe

Filipe

27 May 2018
Hi is your credit card working in Tonga? n how long it take to receive card when send in our form?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 May 2018
    Hi Filipe, ATMs are fairly available throughout the main islands of the kingdom – Tongatapu, 'Utu Vava'u (Neiafu) and Lifuka (Pangai. Your ANZ credit card should work there. It takes around 5-10 working days to process a credit card application.
Ioane Tekeraoi?

Ioane Tekeraoi?

25 June 2017
Does ANZ(in Kiribati) provide credit cards for Kiribati customers?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 June 2017
    Hi Loane, I am not sure of what cards are provided in Kiribati. You should speak to your branch there. We are an Australian only credit card comparison service.
Peter Wiltshire

Peter Wiltshire

16 September 2016
Hi I just submitted an application for a credit card but there was a problem with the transmittal. Please confirm or otherwise the application has been received? Peter
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 September 2016
    Hi Peter, you will need to call ANZ customer service on 1800 033 844 to check that they received aok. Best of luck with your application.
Karen

Karen

11 August 2016
If I am doing a Balance transfer from Westpac to ANZ will ANZ do 100% Balance transfer.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 August 2016
    Hi Karen, the amount you can transfer will depend on the credit limit ANZ provide you if they approve your application. You can transfer up to 95% of this credit limit. Therefore if you are approved for $10,000 - you could transfer up to $9,500. Best of luck with your application.
Neville James

Neville James

23 July 2016
What is the charge per transaction of a Viva Platinum credit card in Singapore eg to pay for dinner in a restaurant
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 July 2016
    Hi Neville, this card does not have any FX fee waivers, therefore you would be charged a 3% fee for any purchases you make on the card overseas. The ANZ Adventure Travel Card has no fee on overseas purchases. Bottom line, for overseas travel or purchases, you should look for a card that has no overseas transaction fee on purchases.
Louie

Louie

26 February 2016
Can I do a balance transfer from Anz to anz
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 February 2016
    Hi Louie, no you cannot balance transfer between the same bank. Check out our 0% balance transfer section and look for any non-ANZ offer.
Valerie

Valerie

3 November 2015
Can I use ANZ credit cards all over the world ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 November 2015
    Hi Valerie - yes you can use the cards all around the world. ANZ cards are either Visa or MasterCard (both very widely accepted) with some having an AMEX card attached that also has high acceptance. Hope you had a great time with your travels.
Geoff

Geoff

18 February 2015
I am a pensioner and want to know which credit card I can apply for.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 February 2015
    Hi Geoff - it will depend on your personal situation - income / expenses as to what card you can go for. Typically I would recommend you first speaking to your everyday bank that you have your pension / super put into. They should be across your financial situation better, thus more likely to approve if you have shown that you have more income than you are spending, thus more likely to be able to pay the debt back. If you are not savings money from your current income / expenses, then it is unlikely you will be approved as this shows that you don't have any extra disposable income.
Anterea Tawaia

Anterea Tawaia

26 November 2014
Does ANZ (Kiribati) provide credit card facilities for Kiribati customers?
katie

katie

28 August 2014
how old can you be to apply for a passwave anz card??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 August 2014
    Hi Katie - I am not sure of any age limit for this product
Ann Huston

Ann Huston

18 June 2014
do any of your credit cards NOT charge foreign transaction fees
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 June 2014
    Hi Ann, ANZ currently do not have any credit cards which do not charge foreign transaction fees. If you don't mind looking at another provider, GE Money's 28 Degrees card offers no international transaction fees on purchases with no annual fee.
R

R

1 December 2013
i am a new zealand citizen living in australia. i bank with ANZ. Can i apply for nz ANZ credikt card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 December 2013
    Hi R - actually it will depend on a few things, like whether you're full time employed here in Australia and how long you have been, whether you have existing debts and loans in Australia or not, assets you have to put on the application form etc. You would still need to have an established credit history in Australia to qualify for a credit card, except a prepaid one, because the banks do not talk to each other or share credit file information across borders. Although you do have the right to stay on an SVC Visa if you are a NZ citizen, we have not seen that this means your credit information is shared, which is why the credit card issue still exists. You should speak to the banks here, including ANZ, and see what they will offer you. If you would like to share your experience with others get in touch and we can put up more useful information on the website.
John Field

John Field

17 March 2013
Can my pension be paid directly e ach fortnight into a credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 March 2013
    Hi John, we have called Centrelink to confirm the situation here, and according to them you will see on the firm you fill out to claim for the pension that payments cannot be made to a credit card account. Only a bank account with the full and correct details of the person claiming the pension is eligible. Hope that helps!
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