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ANZ
Credit Cards Review

Compare ANZ Credit Cards Compare ANZ credit cards – read our review and compare the features and benefits available from ANZ. We can help you to make an informed decision and find a card that suits you.

ANZ offer an extensive range of credit cards with a variety of features to satisfy all types of credit card users. Whether you're looking to get a 0% introductory period on balance transfers allowing you to move other debts across without paying unnecessary interest, low standard rates to reduce the amount you pay on life-time balances, reward points for every dollar you spend, or a low annual fee, the ANZ range has a credit card that's right for you.

 

ANZ credit cards also provide Gold and Platinum accounts offering a range of added benefits such as insurance, concierge services and rewards, as well as generous credit limits

ANZ credit cards come with up to 55 interest free days on purchases (where applicable), giving you time to pay off your balance in full, and benefit from no interest charges being applied to your account. If you require more time, the typical interest rate will be applied to your balance.

ANZ First

Advice

0% p.a. first 18 months on balance transfers with a 2% Balance Transfer fee. Reverts to standard balance transfer rate, currently 21.49% p.a.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 months
Balance Transfer Fee: 2%
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.49% p.a.
Purchases: 19.74% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $30
Standard Features
Credit Limit: Subject to Status (min $1,000)
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $15,000.pa

Credit Card Benefits

  • Extended Warranty of 12 months after expiry of manufactures (up to 5 years)
  • 90 day purchase security

ANZ Rewards

Advice

25,000 Reward Points when you spend $2,500 on eligible purchases within first 3 months + No Annual Fee for the first year..

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 18.79% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $80
Standard Features
Credit Limit: Subject to Status (min $1,000)
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have Income of over $15,000.pa

Credit Card Rewards

  • 1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period.
  • Then 0.5 Reward Points per $1 spent on eligible purchase above $1,000 per statement period

ANZ Low Rate Platinum

Advice

0% p.a. first 15 months on balance transfers & No Balance Transfer Fee! Reverts to standard balance transfer rate, currently 21.74% p.a.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 11.49% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $99
Standard Features
Credit Limit: Subject to Status (min $6,000)
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $35,000.pa

Credit Card Benefits

  • Complimentary insurances including overseas travel and medical insurance - you could save up to $800 on overseas travel and medical insurance (eligibility criteria applies)
  • Extended Warranty up to an additional 12 months cover on most major purchases.
  • 90-day Purchase Security Insurance against theft, loss and accidental damage on most purchases.

ANZ Frequent Flyer

Advice

25,000 Bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months + No Annual Fee for the first year.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.49% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $95
Standard Features
Credit Limit: Subject to Status (min $1,000)
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $15,000.pa

Credit Card Rewards

  • 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period.
  • Then 0.25 Qantas Points per $1 spent on eligible purchases above $500 per statement period

ANZ Frequent Flyer Platinum

Advice

65,000 Bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months + No Annual Fee for the first year.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.49% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $295
Standard Features
Credit Limit: Subject to Status (min $6,000)
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have Income of over $35,000.pa

Credit Card Benefits

  • 65,000 Bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months

Credit Card Rewards

  • 0.75 Qantas Points per $1 spent on eligible purchases up to $3,000 per statement period.
  • Then 0.5 Qantas Points per $1 spent on eligible purchases above $3,000 per statement period

ANZ Rewards Platinum

Advice

65,000 Reward Points when you spend $2,500 on eligible purchases within first 3 months + No Annual Fee for the first year!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 18.79% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $95
Standard Features
Credit Limit: Subject to Status (min $6,000)
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $35,000.pa

Credit Card Benefits

  • 65,000 Reward Points when you spend $2,500 on eligible purchases within first 3 months

Credit Card Rewards

  • 1.5 Reward Points per $1 spent on eligible purchases up to $2,000 per statement period.
  • Then 0.5 Reward Points per $1 you spend on eligible purchases above $2,000 per statement period.

ANZ Platinum

Advice

0% p.a. first 18 months on balance transfers with a 2% Balance Transfer fee. Reverts to standard balance transfer rate, currently 21.49% p.a

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 months
Balance Transfer Fee: 2%
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.49% p.a.
Purchases: 19.74% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $87 if spend below $20k
Standard Features
Credit Limit: Subject to Status (min $6,000)
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $35,000.pa

Credit Card Benefits

  • Complimentary insurances including overseas travel and medical insurance - you could save up to $800 on overseas travel and medical insurance (eligibility criteria applies)
  • Extended Warranty up to an additional 12 months cover on most major purchases.
  • 90-day Purchase Security Insurance against theft, loss and accidental damage on most purchases.

ANZ Low Rate

Advice

0% p.a. first 15 months on balance transfers* & No Balance Transfer Fee!
*Reverts to standard balance transfer rate, currently 21.74% p.a. Eligibility criteria, T&Cs, fees and charges apply.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 12.49% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $58
Standard Features
Credit Limit: Subject to Status (min $1,000)
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $15,000.pa

ANZ Rewards Black

Advice

75,000 Reward Points when you spend $2,500 on eligible purchases within first 3 months + No Annual Fee for the first year.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 18.79% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: No Annual Fee for 1st Yr, then $375
Standard Features
Credit Limit: Subject to Status (min $15,000)
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $75,000.pa

Credit Card Benefits

  • 75,000 Reward Points when you spend $2,500 on eligible purchases within first 3 months

Credit Card Rewards

  • 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period.
  • Then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.

ANZ Frequent Flyer Black

Advice

75,000 Bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months + No Annual Fee for the first year.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.49% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee 1st Yr, then $425
Standard Features
Credit Limit: Subject to Status (min $15,000)
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $75,000.pa

Credit Card Benefits

  • Overseas Travel and Medical Insurance provided by QBE Insurance. You could save up to $720 on Overseas Travel and Medical Insurance (eligibility criteria apply)
  • Interstate Flight Inconvenience Insurance – peace of mind when you travel interstate in Australia on holiday for up to 14 days
  • Rental Excess Cover – reduces the excess when you hire a car from a major car rental company in Australia, at no extra cost.

Credit Card Rewards

  • 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period
  • 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period

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