ANZ credit cards

If you’re looking for a credit card from a bank with heritage and global reach, ANZ is one of the top four banks in Australia and among the top 50 banks worldwide.

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Updated 6 Mar 2025   |   Rates updated regularly

Comparing of 11 ANZ credit cards

ANZ Low Rate Credit Card

Not available for application via this website

ANZ Low Rate Credit Card

Highlights

  • 0% p.a. for 26 months on balance transfers with a 3% balance transfer fee (then reverts to 21.99% p.a.) Terms and Conditions apply.
  • The first-year annual fee is waived, saving you $58 upfront
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.

Pros

  • Long 0% balance transfer period to tackle existing debt.
  • Get a continuous low rate of 13.74% p.a. on purchases.
  • You can add up to 3 additional cardholders at no extra cost.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

  • There is a 3% BT fee.
  • No rewards program, which is expected for a low-rate card focused on affordability
  • No purchase or travel insurance is included.

ANZ Rewards Black Credit Card

Not available for application via this website

ANZ Rewards Black Credit Card

Highlights

  • Earn up to 160,000 ANZ Reward Points and $100 cashback. Get 110,000 points for spending $3,000 in the first 3 months, plus 50,000 bonus points after 15 months.
  • Earn 2 Reward Points for every $1 spent on eligible purchases, up to $5,000 per statement period. After that, earn 1 Reward Point per $1 spent.
  • Comes with complimentary International Travel Insurance.

Pros

  • Receive up to 160,000 bonus ANZ Rewards points and $100 cashback when you meet the criteria.
  • The 160,000 ANZ Rewards points can be redeemed for an $700 digital gift card, $640 cashback, or transferred to airline partners like Velocity or KrisFlyer.
  • There is no cap on the number of points you can earn.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit of $15,000 gives you a higher spending capacity.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

  • The earn rate drops from 2 points to 1 point per $1 after spending $5,000 in a statement period.
  • The $375 p.a. annual fee.
  • Doesn't come with lounge access.
  • No introductory balance transfer offer.
ANZ Rewards Platinum Credit Card

Not available for application via this website

ANZ Rewards Platinum Credit Card

Highlights

  • Receive 100,000 bonus Reward Points and $50 cashback upon spending $2,000 on eligible purchases within 3 months after approval. Terms and Conditions apply.
  • Comes with complimentary insurance covers, including International Travel Insurance and Purchase Protection Insurance.
  • Earn ANZ Rewards Points on your everyday purchases.

Pros

  • Earn 100,000 bonus Reward Points and a $50 cashback when you meet the criteria.
  • The 100,000 ANZ Rewards points can be redeemed for a $440 digital gift card, $400 cashback, or transferred to airline partners like Velocity or KrisFlyer.
  • 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.
  • ANZ Rewards points can be transferred to several airline partners, giving you booking flexibility.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

  • Adding a cardholder costs $65 annually.
  • The earn rate drops from 1.5 points to 0.5 points per $1 after spending $2,000 in a statement period.
  • No introductory balance transfer offer.
  • No lounge access.
ANZ Platinum Credit Card

Not available for application via this website

ANZ Platinum Credit Card

Highlights

  • Receive $100 cashback when you spend $2,000 on eligible purchases within 3 months after approval. Terms and Conditions apply.
  • The first-year annual fee is waived, saving you $87 upfront.
  • Includes complimentary International Travel Insurance and rental vehicle excess cover in Australia.

Pros

  • Earn a $100 cashback when you meet the spend criteria.
  • You can add up to 9 additional cardholders at no extra cost.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $6,000, helping you keep your spending in check.
  • Works with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

  • No introductory balance transfer offer.
  • This card doesn’t include a rewards program but offers $100 cashback as a sign-up bonus, adding immediate value.
  • The $87 p.a. annual fee applies after the first year but can be waived with annual spending over $20,000.
ANZ First Visa Credit Card

Not available for application via this website

ANZ First Visa Credit Card

Highlights

  • Receive $125 cashback when you spend $750 on eligible purchases within 3 months after approval. Terms and Conditions apply. Terms and Conditions apply.
  • The first-year annual fee is waived, saving you $30 upfront.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.

Pros

  • Earn $125 cashback with easy-to-meet spending criteria.
  • You can add up to 3 additional cardholders at no extra cost.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Cons

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

Not available for application via this website

ANZ Frequent Flyer Platinum Credit Card

Highlights

  • Receive 75,000 bonus Reward Points and $100 cashback upon spending $2,500 on eligible purchases within 3 months after approval. Terms and Conditions apply.
  • 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.
  • Includes complimentary International Travel Insurance and rental vehicle excess cover in Australia.
  • Get a free Qantas Frequent Flyer Membership valued at $99.50.

Pros

  • Earn a 75,000 bonus Qantas Points and a $100 cashback when you meet the criteria.
  • Use the 75,000 bonus Qantas Points for flights or upgrades, both domestic and international.
  • Earn 0.75 points per $1 spent up to $3,000 per statement period.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.
  • You can add up to 9 additional cardholders.
  • No cap on the total number of points you can earn.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

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 Black Credit Card

Not available for application via this website

ANZ Business Black Credit Card

Highlights

  • Earn up to 150,000 extra Business Reward Points. Earn 100,000 points when you spend $6,000 in the first 3 months, plus 50,000 more when you keep the card for 15 months.
  • 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

  • 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 Black Credit Card

Not available for application via this website

ANZ Frequent Flyer Black Credit Card

Highlights

  • Receive up to 130,000 points. Get a 90,000 bonus Qantas Points and $200 cashback on your new card after spending $5,000 on qualifying purchases within the initial 3 months of approval. Additionally, earn an extra 40,000 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.
  • It includes 7 complimentary insurances, including International Travel Insurance.

Pros

  • Receive up to 130,000 bonus Qantas Points and $200 cashback when you meet the criteria.
  • Use the 130,000 bonus Qantas Points for flights or upgrades, both domestic and international.
  • There is no cap on the number of points you can earn.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit of $15,000 gives you a higher spending capacity.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

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 55 Interest Free Days Credit Card

Not available for application via this website

ANZ Business 55 Interest Free Days Credit Card

Highlights

  • Save $150 with no Annual Card Fee for the first year.
  • Get up to 55 days interest-free on purchases by paying your account in full monthly.
  • Add unlimited additional cardholders at no extra cost.

Pros

  • The card offers low ongoing interest rates, making it a cost-effective option for carrying a balance.
  • Provides Unauthorized Transaction Insurance up to $37,500 per cardholder and $200,000 per account annually.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Cons

  • No rewards program or sign-up bonus at the moment.
  • After the first year, there's an annual fee of $150 p.a.
  • The card doesn’t include travel insurance or concierge services, but it’s a straightforward choice for those not needing extras.
  • A 3% foreign transaction fee applies, which could add up for frequent international purchases.
ANZ Business Low Rate Credit Card

Not available for application via this website

ANZ Business Low Rate Credit Card

Highlights

  • The first-year annual fee is waived, saving you $100 upfront.
  • Low 12.99% p.a. on purchases and 14.49% p.a. on cash advances make it great for managing costs.
  • Add unlimited additional cardholders at no extra cost.

Pros

  • The card offers low ongoing interest rates, making it a cost-effective option for carrying a balance.
  • Provides Unauthorized Transaction Insurance up to $37,500 per cardholder and $200,000 per account annually.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Cons

  • This card doesn’t offer an interest-free period, which could add costs if you don’t pay off your balance quickly.
  • There’s no rewards program or sign-up bonus, but it might suit those who prefer simplicity over perks.
  • An annual fee of $100 applies after the first year, which remains affordable.
ANZ Qantas Business Rewards Credit Card

Not available for application via this website

ANZ Qantas Business Rewards Credit Card

Highlights

  • Earn up to 150,000 bonus Qantas Points. Earn 100,000 Qantas Points points when you spend $6,000 in the first 3 months, plus 50,000 bonus Qantas Points when you keep the card for 15 months.
  • Earn 0.75 Reward Points per $1 spent on eligible purchases up to and including $15,000 per statement period. Earn 0.5 Qantas Points for every $1 over $15,000.
  • Receive complimentary Unauthorized Transactions Insurance, Domestic and International Travel Insurance.

Pros

  • Substantial sign-up bonus for new qualifying customers.
  • Earn up to 0.75 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points.
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has unauthorised transaction 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.
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory purchase offer and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $15,000 spent per statement period.

More about ANZ credit cards

Help with questions about interest rates, fees, and rewards to compare better.

  • FAQs

What's so good about ANZ cards?

ANZ's sheer size means customers are never too far away from a branch, where dedicated staff can tailor services to individual needs. It also offers comprehensive account access online and via mobile. Its selection of credit cards is large and varied, offering everything from no annual fees to lucrative rewards programs.

If I apply for a card from ANZ, do I need to change who I bank with?

No. You are only applying for a credit card from ANZ. This is completely separate from any other bank account you may have. You do not need to switch bank.

How big is the ANZ branch network?

ANZ has branches across Australia, offering accessible banking to all its customers. At each branch personal bankers offer complementary advisory service called A-Z Review, helping to tailor personal banking services to meet specific customer requirements. Other specialists available include financial planners, home and investment lending managers, small business specialists and retirement banking specialists. Customers can call their local branch to arrange an appointment, or simply drop into a branch during opening hours.

Can I manage my card online?

ANZ offers customers internet banking around the clock, which includes account access, bill payments, transfers, statements, foreign exchange, direct debits, cheque orders and customer support. The bank uses the latest security technology to protect customers’ data and finances, and offers a range of advice to customers regarding online protection. In case of internet fraud, ANZ guarantees reimbursement for any unauthorised transactions.

Can I manage my card over the phone?

ANZ Phone Banking offers customers banking services anytime of the day or night. Once registered, customers have account access 24/7 using a touch-tone phone. Following voice prompts you can check balances and transfers, transfer money to linked accounts, pay bills, change your address details and order statements and new chequebooks.

Is there a mobile app I can manage my card with?

ANZ offers the ANZ App with which customers can check balances, view mini statements and receive account alerts.

Do ANZ have a rewards program or are any of their cards linked to a rewards program?

ANZ offers customers a selection of loyalty rewards schemes with a choice of ANZ Frequent Flyer rewards, and ANZ Rewards.

ANZ Frequent Flyer Rewards allows you to accumulate points on everyday purchases, and these points are automatically credited to your Qantas Frequent Flyer account. More points are gained by shopping with ANZ’s Bonus Partners. Your frequent flyer points can be redeemed for flights, travel and store rewards, vouchers, entertainment, special offers and more.

ANZ Rewards is a flexible rewards scheme that offers a variety of ways to earn points, and many opportunities to generate bonus points by shopping with ANZ’s Bonus Partners. Cardholders earn points on everyday purchases (excluding credit card balance transfers, cash advances, BPAY payments, etc.), and then redeem these points for a large choice of rewards including retail vouchers, gift cards, merchandise, travel, entertainment and more.

What is ANZ designmycard?

This service allows you to personalise any ANZ First, or ANZ Balance Visa card with an image of your choice. When you apply for the card you may upload any photo, design or logo, or select an image from ANZ’s online library, and this will used to decorate your new credit card.

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