Credit cards

Looking for an ANZ credit card?

ANZ offers a range of credit cards that could meet your needs. 
Compare credit card features such as reward programs, annual fees, 
interest rates, interest free days on purchases and special offers.

 

The Find a credit card tool could help match you to the right credit card for your needs.

 

Platinum

Rewards/
Frequent Flyer

Low annual fee/
Low interest rate

• Compare platinum credit cards

Platinum with travel benefits

Travel smarter with an ANZ Platinum credit card 

• 0% p.a. on purchases and balances transferred for the first 6 months¹.
• First year annual account fee waiver².
• Use your ANZ Platinum card to make eligible purchases of $20,000 or more annually, and your ongoing annual account fee will be waived².
• Overseas Travel and Medical Insurance³.
• Choose to pay your travel expenses on your terms with flexible payment options⁴.
• Find out more about ANZ Platinum

Flexible rewards with Platinum benefits

Flexible rewards plus the added benefits of a Platinum credit card with ANZ Rewards Platinum 

• 20,000 Bonus Reward Points¹².
• Earn 3 Reward Points⁵ for every $1 spent on
  purchases using your ANZ Rewards Platinum American Express credit card.
• Earn 1.5 Reward Points⁵ for every $1 spent on
  purchases using your ANZ Rewards Visa Platinum
  credit card.
• Overseas Travel & Medical Insurance³.
• Find out more about ANZ Rewards Platinum

Ultimate travel partner

Ultimate travel partner - ANZ Frequent Flyer Platinum

• 20,000 Bonus Qantas Frequent Flyer points¹³.
• Get a complimentary Qantas Frequent Flyer membership and save $82.50⁸.
• Uncapped Qantas Frequent Flyer points⁶ earning.
• Overseas Travel and Medical Insurance³.
• ANZ Car Rental Cover⁷.
• Find out more about ANZ Frequent Flyer Platinum

 

• Compare rewards & frequent flyer credit cards

Flexible rewards

Enjoy a wide range of flexible rewards with 
ANZ Rewards

• 10,000 Bonus Reward Points¹⁴.
• Earn 2 Reward Points⁵ for every $1 spent on purchases using your ANZ Rewards American Express credit card.
• Earn 1.5 Reward Points⁵ for every $1 spent
  on purchases using your ANZ Rewards Visa
  credit card.
• Two cards. One account. One statement. One total annual fee. Simply more rewarding.
• Find out more about ANZ Rewards

Uncapped Qantas Frequent Flyer points earning⁶

Watch your Qantas Frequent Flyer points take off with an ANZ Frequent Flyer credit card account 

• 10,000 Bonus Qantas Frequent Flyer points¹⁵.
• Get a complimentary Qantas Frequent Flyer membership and save $82.50⁸.
• Uncapped Qantas Frequent Flyer points⁶ earning.
• Earn points⁶ on everyday purchases when you use your credit cards.
• Earn bonus points at a range of bonus partner outlets.
• Find out more about ANZ Frequent Flyer

Flexible rewards with Platinum benefits

Flexible rewards plus the added benefits of a Platinum credit card with ANZ Rewards Platinum 

• 20,000 Bonus Rewards Points¹².
• Earn 3 Reward Points⁵ for every $1 spent on
  purchases using your ANZ Rewards Platinum American Express credit card.
• Earn 1.5 Reward Points⁵ for every $1 spent on
  purchases using your ANZ Rewards Visa Platinum
  credit card.
• Overseas Travel & Medical Insurance³.
• Find out more about ANZ Rewards Platinum

Ultimate travel partner

Enjoy Platinum travel benefits with ANZ Frequent Flyer Platinum - ANZ Frequent Flyer Platinum

• 20,000 Bonus Qantas Frequent Flyer points¹³.
• Get a complimentary Qantas Frequent Flyer membership and save $82.50⁸.
• Uncapped Qantas Frequent Flyer points⁶ earning.
• Overseas Travel and Medical Insurance³.
• ANZ Car Rental Cover⁷.
• Find out more about ANZ Frequent Flyer Platinum

Earn rewards and get a competitive interest rate with ANZ Balance Visa

• 0% p.a. on balance transfers for the first 6 months¹⁸.
• Competitive interest rate on purchases of (View current rates)⁹.
• Reward Points for reducing your credit card balance¹⁰.
• Redeem Reward Points for cashback, shopping vouchers and gift cards¹⁰.
• Find out more about ANZ Balance Visa

 

• Compare low interest rate & low annual fee credit cards

Low annual fee credit card

A simple everyday credit card with a low annual fee with ANZ First Visa

• 2.9% p.a. on balance transfers for the first 12 months¹⁷.
• Low annual account fee of $30
• Up to 44 days interest free¹¹ credit on purchases.
• Find out more about ANZ First Visa

Low interest rate credit card

Get a low interest rate with ANZ Low Rate MasterCard^®

• 0% p.a. on purchases and balances transferred for the first 3 months¹⁶.
• (View current rates) low interest rate⁹ on purchases.
• Find out more about ANZ Low Rate MasterCard^®

Rewards for reducing your credit card balance

Earn rewards and get a competitive interest rate with ANZ Balance Visa

• 0% p.a. on balance transfers for the first 6 months¹⁸.
• Competitive interest rate on purchases of (View current rates)⁹.
• Reward Points for reducing your credit card account balance¹⁰.
• Redeem Reward Points for cashback, shopping vouchers and gift cards¹⁰.
• Find out more about ANZ Balance Visa

Platinum with travel benefits

Travel smarter with an ANZ Platinum credit card

• 0% p.a. on purchases and balances transferred for the first 6 months¹.
• First year annual account fee waiver²
• Use your ANZ Platinum card to make eligible purchases of $20,000 or more annually, and your ongoing annual account fee will be waived²
• Overseas Travel and Medical Insurance³
• Choose to pay your travel expenses on your terms with flexible payment options⁴
• Find out more about ANZ Platinum

 

Other cards
		Prepaid cards	Give the gift of choice with ANZ Visa Gift Cards
		Business cards	Choose the right ANZ business credit card for your business
		Debit cards	Get more from your everyday bank account with ANZ Access Visa Debit

Existing cardholder centre - Offers, hints and tips for existing ANZ credit card holders

1. Offer available to new and approved applicants who apply for an ANZ Platinum credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The interest-free period commences from the date of approval and applies to purchases and non-ANZ balances transferred to your new credit card. Interest free period excludes cash and cash equivalent transactions, balances transferred from existing ANZ credit cards and account fees. The interest rate reverts to the standard variable rates applicable on your card account after six months from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. The standard variable interest rate is (View current rates) on purchases and (View current rates) on cash advances for ANZ Platinum, as at (View current rates) and is subject to change. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. Balance transfers must be completed at the time of applying for or at the time of activating your new credit card. Terms and conditions apply to balance transfers (please call 13 22 73 for a copy). 

2. The ANZ Platinum annual account fee ("Annual Fee") will be waived in the first year. In each subsequent year, if you make eligible purchases of $20,000 or more annually using your ANZ Platinum account your next annual fee will be waived. Eligible purchases must be made in the year prior to your next fee date. Your fee date is the date that your account is assessed for charging an annual fee. If your account has not previously been charged an annual fee then for the purpose of determining your eligibility for the waiver, your fee date is the first date that your account is assessed for charging an annual fee. Eligible purchases includes purchases made using your account, but excludes balance transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of eligible purchases in the year prior to your fee date the annual fee will be charged to your account. If you are a member of the Sphere Rewards Program your Rewards Program services fee will continue to apply regardless of your annual eligible purchases spend.

3. Overseas Travel and Medical Insurance is underwritten by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL No. 239545 (“QBE”). Terms and conditions apply. To be eligible for Platinum Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your Platinum card account prior to departing Australia, have a return ticket to Australia within 6 months of departure and be 80 years of age or under. Please refer to the ANZ Platinum Cards Insurance booklet (PDF 1.37MB) for terms and conditions. Whilst overseas, we recommend that you carry proof of your overseas travel arrangements purchased on your ANZ Platinum Credit Card.

4. Flexible payment options are available for domestic or overseas purchase transactions of $500 AUD or more made using your ANZ Platinum account at an eligible merchant (“qualifying transaction”). An eligible merchant is any travel agent, online travel booking sites, airline or hotel, or any merchant ANZ advises as being an eligible merchant for the purposes of determining whether flexible payment offers are available. For more information visit ANZ Platinum Travel benefits.

5. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards Program terms and conditions (PDF 563kB) (please call 13 13 14 for a copy). Purchases exclude cash and cash equivalent transactions. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate on both their ANZ Rewards American Express card and/or ANZ Rewards Visa card. Existing customers should call 13 22 73 for information regarding the Reward Points earn rate that applies to their account.

6. Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Reward terms and conditions (please call 13 13 14 for a copy). Purchases exclude cash and cash equivalent transactions. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. A joining fee may apply. Membership of the Qantas Frequent Flyer program and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Classic Awards are subject to capacity controls and availability is strictly limited. Some flights may not have Classic Award seats available. To find out more visit qantas.com.au/frequentflyer. ANZ is the credit provider and credit licensee (or registered person) under the National Consumer Credit Laws. The points information displayed on this page applies to new customers only. Existing customers may be subject to a different Points earn rate on both their ANZ Frequent Flyer American Express® card and/or ANZ Frequent Flyer Visa card. Existing customers should call 13 22 73 for information regarding the Points earn rate that applies to their account.  

7. ANZ Car Rental Cover is underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035) trading as Western QBE Insurance.  Platinum account holders are automatically covered by ANZ Car Rental Cover at no additional cost. For terms and conditions of this program, Platinum cardholders should refer to ANZ Platinum Cards Insurance booklet (PDF 1.37MB).

8. This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at qantas.com/joinffanz This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas.

9. The standard variable interest rate is (View current rates) on purchases and (View current rates) on cash advances for ANZ First Visa, (View current rates) on purchases and (View current rates) on cash advances for ANZ Platinum, (View current rates) on purchases and (View current rates) on cash advances for ANZ Frequent Flyer, (View current rates) on purchases and (View current rates) on cash advances for ANZ Frequent Flyer Platinum, (View current rates) on purchases and (View current rates) on cash advances for ANZ Low Rate MasterCard, (View current rates) on purchases and (View current rates) on cash advances for ANZ Balance Visa, (View current rates) on purchases and (View current rates) on cash advances for ANZ Rewards and (View current rates) on purchases and (View current rates) on cash advances for ANZ Rewards Platinum. These rates are current as at (View current rates) and are subject to change.

10. Rewards points are not earned on cashback transactions to your account. Rewards points accrue in accordance with the ANZ Balance Visa Rewards Program terms and conditions (call ANZ on 13 13 14 for a copy).

11. Interest free days do not apply if you do not pay your closing balance (which includes any outstanding balance transfers, cash advances, purchases and promotional plans) in full by the due date each month.  Payments to your account are applied in the order set out in the ANZ Credit Cards conditions of use.

12. Offer available to new and approved applicants who apply for an ANZ Rewards Platinum credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The 20,000 bonus ANZ Reward points offer applies only once per new ANZ Rewards Platinum account. Your application must be approved and you must activate the card and make your first eligible purchase (excluding cash, cash equivalent transactions and balance transfers) within ninety days of approval to receive the bonus points, which will be credited to your account within three months of your first eligible purchase. If you transfer or cancel your new ANZ credit card account before the introductory ANZ Reward points are processed to your account, you may become ineligible for these points. Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program Terms and Conditions (PDF 596kB). ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

13. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The 20,000 bonus Qantas Frequent Flyer points offer applies only once per new ANZ Frequent Flyer Platinum account. Your application must be approved and you must activate the card and make your first eligible purchase (excluding cash, cash equivalent transactions and balance transfers) within ninety days of approval to receive the bonus Qantas Frequent Flyer points, which will be credited to your account within three months of your first eligible purchase. If you transfer or cancel your new ANZ credit card account before the introductory Bonus Points are processed to your account, you may become ineligible for these Bonus Points. Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Reward Program Terms and Conditions. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. A joining fee may apply. Membership of the Qantas Frequent Flyer program and the earning and redemption of points is subject to the Terms and Conditions of the Qantas Frequent Flyer program. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

14. Offer available to new and approved applicants who apply for an ANZ Rewards credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The 10,000 bonus ANZ Reward points offer applies only once per new ANZ Rewards account. Your application must be approved and you must activate the card and make your first eligible purchase (excluding cash, cash equivalent transactions and balance transfers) within ninety days of approval to receive the bonus points, which will be credited to your account within three months of your first eligible purchase. If you transfer or cancel your new ANZ credit card account before the introductory ANZ Reward points are processed to your account, you may become ineligible for these points. Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program Terms and Conditions (PDF 596kB). ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

15. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The 10,000 Bonus Qantas Frequent Flyer points offer applies only once per new ANZ Frequent Flyer account. Your application must be approved and you must activate the card and make your first eligible purchase (excluding cash, cash equivalent transactions and balance transfers) within ninety days of approval to receive the Bonus Qantas Frequent Flyer points, which will be credited to your account within three months of your first eligible purchase. If you transfer or cancel your new ANZ credit card account before the introductory Bonus Points are processed to your account, you may become ineligible for these Bonus Points. Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Reward Program Terms and Conditions. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. A joining fee may apply. Membership of the Qantas Frequent Flyer program and the earning and redemption of points is subject to the Terms and Conditions of the Qantas Frequent Flyer program. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

16. Offer available to new and approved applicants who apply for an ANZ Low Rate MasterCard credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The interest-free period commences from the date of approval and applies to purchases and non-ANZ balances transferred to your new credit card. Interest free period excludes cash and cash equivalent transactions, balances transferred from existing ANZ credit cards and account fees. The interest rate reverts to the standard variable rates applicable on your card account after three months from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. The standard variable interest rate is (View current rates) on purchases and (View current rates) on cash advances for ANZ Low Rate MasterCard, as at (View current rates) and is subject to change. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. Balance transfers must be completed at the time of applying for or at the time of activating your new credit card. Terms and conditions apply to balance transfers (please call 13 22 73 for a copy) 

17. Offer available to new and approved applicants who apply for an ANZ First credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The balance transfer must be completed at the time of applying for or, at the time of activating your new ANZ First. The balance transfer interest rate commences from date of card approval and applies to non-ANZ balances transferred to your new credit card. Interest rate reverts to the standard variable interest rate applicable to purchases on your card after 12 months from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. The standard variable interest rate is  (View current rates) on purchases and (View current rates) on cash advances for ANZ First, as at (View current rates) and is subject to change. Interest accrues on balance transfers from the date the transfer is processed by ANZ. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. The balance transfer must be completed at the time of applying for or, at the time of activating your new ANZ First. Terms and conditions apply to balance transfers (please call 13 13 14 for a copy). 

18. Offer available to new and approved applicants who apply for an ANZ Balance Visa credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The interest free period commences from date of card approval and applies to non-ANZ balances transferred to your new credit card. Interest rate reverts to the standard variable interest rate applicable to purchases on your card after 6 months from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. The standard variable interest rate is (View current rates) on purchases and (View current rates) on cash advances for ANZ Balance Visa, as at (View current rates) and is subject to change. Interest accrues on balance transfers from the date the transfer is processed by ANZ. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. The balance transfer must be completed at the time of applying for or, at the time of activating your new ANZ Balance Visa. Terms and conditions apply to balance transfers (please call 13 13 14 for a copy).

American Express is a registered trademark of American Express. ANZ American Express cards are issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express.

Terms and conditions are available on application.

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