Compare credit cards

ANZ credit cards are protected by ANZ Falcon™ Security, providing advanced around the clock monitoring for suspicious transactions. So you can feel secure about purchases with your credit card online, overseas or over the phone.

Credit card comparison table
Products	Total annual fee for new applicants	Interest rate %p.a.¹	Rewards	Insurance
ANZ First Visa	$30	(View current rates) (purchases) (View current rates) (cash advance)		Insurance features²
ANZ Low Rate MasterCard^®	$58	(View current rates) (purchases) (View current rates) (cash advance)
ANZ Balance Visa	$79³	(View current rates) (purchases) (View current rates) (cash advance)	Rewards
ANZ Rewards	$89⁴	(View current rates) (purchases) (View current rates) (cash advance)	Rewards
ANZ Frequent Flyer	$95⁵	(View current rates) (purchases) (View current rates) (cash advance)	Rewards
ANZ Platinum	$89/$0⁷	(View current rates) (purchases) (View current rates) (cash advance)		Insurance features^2,6
ANZ Rewards Platinum	$149⁴	(View current rates) (purchases) (View current rates) (cash advance)		Insurance features^2,6
ANZ Frequent Flyer Platinum	$295⁵	(View current rates) (purchases) (View current rates) (cash advance)	Rewards	Insurance features^2,6

View ANZ terms, conditions, fees and charges.

All applications for credit are subject to ANZ's credit assessment criteria.

Terms and conditions available on application. Fees and charges apply.

1. Rates as at (View current rates) and subject to change.

2. 90 Day Purchase Security Insurance and Extended Warranty insurance are underwritten by Zurich Australian Insurance Limited.

3. Includes a $22 Rewards Program services fee, which applies per card issued under your account. An annual $10 additional cardholder fee also applies for each additional card.

4. For ANZ Rewards a total annual fee of $89 applies which includes a $34 annual account fee and a $55 Rewards Program services fee. For additional cardholders an additional cardholder fee of $10 and Rewards Program services fee of $55 apply per additional cardholder on the account. For ANZ Rewards Platinum a total annual fee of $149 applies which includes a $94 annual account fee and a $55 Rewards Program services fee. For additional cardholders an additional cardholder fee of $10 and Rewards Program services fee of $55 apply per additional cardholder on the account. The total annual fee information displayed on this page applies to new customers only. Existing customers may be subject to a different total annual fee and should call 13 22 73 for information regarding the total annual fee that applies to their account.

5. For ANZ Frequent Flyer a total annual fee of $95 applies which includes a $40 annual account fee and a $55 Rewards Program services fee. For additional cardholders an additional cardholder fee of $10 and Rewards Program services fee of $55 apply per additional cardholder on the account. For ANZ Frequent Flyer Platinum a total annual fee of $295 applies which includes a $240 annual account fee and a $55 Rewards Program services fee. For additional cardholders an additional cardholder fee of $10 and Rewards Program services fee of $55 apply per additional cardholder on the account. The total annual fee information displayed on this page applies to new customers only. Existing customers may be subject to a different total annual fee and should call 13 22 73 for information regarding the total annual fee that applies to their account.

6. 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.

7. 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.

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

ANZ Falcon™ is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation (DUNS) ABN 074 664 715. ANZ's colour blue is a trademark of ANZ.

This website uses the latest Flash player technology.
Click on the link below to download the latest Flash player for your web browser.

Important information

All applications for credit are subject to ANZ's credit assessment criteria. Terms and Conditions available on application. Fees and charges apply. American Express is a registered trademark of American Express. This card is issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express. ANZ Falcon™ is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation. ANZ's colour blue is a trademark of ANZ. Cards are offered, issued and administered by Australian and New Zealand Banking Group Limited (ANZ). ANZ is the credit provider and credit licensee (or registered person) under the National Consumer Credit laws.

1. 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 Frequent Flyer, (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 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.

2. For ANZ Rewards a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. For ANZ Rewards Platinum a Total Annual Fee of $149 applies which includes a $94 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. The Total Annual Fee information displayed on this page applies to new customers only. Existing customers may be subject to a different Total Annual Fee and should call 13 22 73 for information regarding the Total Annual Fee that applies to their account.

3. For ANZ Frequent Flyer a Total Annual Fee of $95 applies which includes a $40 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. For ANZ Frequent Flyer Platinum a Total Annual Fee of $295 applies which includes a $240 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. The Total Annual Fee information displayed on this page applies to new customers only. Existing customers may be subject to a different Total Annual Fee and should call 13 22 73 for information regarding the Total Annual Fee that applies to their account.

4. For ANZ Platinum the Annual Account Fee ("Annual Fee") will be waived in the first year. In each subsequent year, if you make Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. 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. 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 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 Purchases spend. Additional Cardholder Fees do not apply to ANZ Platinum.

5. Includes a $22 Rewards Program services fee, which applies per card issued under your account. An annual $10 Additional cardholder fee also applies for each additional card.

6. Additional Cardholder Fees do not apply to ANZ First or ANZ Low Rate MasterCard.

7. 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.

8. 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).

9. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions (PDF 600kB) (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.

10. 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.

11. Terms and conditions apply. Please see the ANZ Emergency Travel Service & Platinum Concierge Terms and Conditions (PDF 132kB) for further information.

12. 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.

13. Transport Accident Cover is underwritten by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL No. 239545 ("QBE"). To be eligible for this cover, you have paid for the full cost of this transportation using your Platinum card account. Please refer to the ANZ Platinum Cards insurance booklet (PDF 1.37MB) for terms and conditions.

14. ANZ Car Rental Cover is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035. Platinum cardholders are automatically covered by ANZ Car Rental Cover at no additional cost. An annual fee applies to non Platinum cardholders. For terms and conditions of this program, Platinum cardholders should refer to the ANZ Platinum Cards insurance booklet (PDF 1.37MB). Non Platinum cardholders should refer to ANZ Car Rental Cover terms and conditions and policy wording (PDF 252kB).

15. Interstate Flight Inconvenience Insurance is underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640. Terms and conditions apply. For more information refer to the ANZ Platinum Cards insurance booklet (PDF 1.37MB).

16. Extended Warranty and 90-day Purchase Security Insurance are underwritten by Zurich Australian Insurance Limited. Terms and conditions apply. For more information please call 13 13 14 or refer to the ANZ Platinum Cards insurance booklet (PDF 1.37MB).

17. Best Price Guarantee Scheme is underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640. Terms and conditions apply. For more information refer to the ANZ Platinum Cards insurance booklet (PDF 1.37MB).

18. This insurance is issued by OnePath Life Limited ABN 33 009 657 176, AFSL 238341 (OnePath Life) or by OnePath General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (OnePath GI). OnePath Life and OnePath GI are subsidiaries of Australia and New Zealand Banking Group Limited (ANZ). ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer. The issuers are not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than the relevant issuer. ANZ recommends that you read the ANZ Financial Services Guide and the relevant Product Disclosure Statement for further information about its association with the issuer and any benefits that it may receive and other important information before deciding whether to acquire or hold this product.

19. Subject to ANZ designmycard Image Guidelines. Terms and Conditions available at www.designmycard.com.au

20. Terms and conditions apply to Secure Sentinel services. Please call 1300 131 026 for more information. Secure Sentinel is a registration and protection service, not an insurance provider. Secure Sentinel Pty Ltd ABN 53 054 235 157.

21. 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 ANZ Low Rate MasterCard. Terms and conditions apply to balance transfers (please call 13 22 73 for a copy).

22. 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 ANZ Platinum card. Terms and conditions apply to balance transfers (please call 13 22 73 for a copy).

23. 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 600kB). 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.

24. 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 600kB). 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.

25. 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.

26. 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.

27. 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).

28. 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).

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.