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ANZ

ANZ Credit Cards

Interested in a credit card from ANZ? Here’s what you can get – including 0% interest, bonus point offers and cashback with over 1,700 brands.

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ANZ is one of Australia's Big Four banks and has credit cards that range from first-time accounts to premium black cards and business accounts. If you get an ANZ credit card, you can also earn cashback when you shop with thousands of brands – including Target, THE ICONIC and Myer – thanks to a partnership with Cashrewards.

ANZ Credit Card Offer

ANZ Low Rate

0% p.a. for 30 months on balance transfers

Eligibility criteria, terms and conditions, fees and charges apply

ANZ Credit Card Offer

A no-frills card with a long-term 0% balance transfer offer, a low ongoing purchase interest rate plus a first-year annual fee waiver.

  • $0 first-year annual fee ($58 p.a. thereafter)
  • 0% p.a. on balance transfers for 30 months with no BT fee (reverts to 20.24% p.a.)
  • Purchase interest rate: 12.49% p.a. | Up to 55 days interest-free
  • Minimum credit limit: $1,000 | Up to 3 additional cardholders at $0
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ANZ credit cards comparison

Data updated regularly
$
% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
ANZ Low Rate
ANZ Low Rate
0% p.a. for 30 months
12.49% p.a.
N/A
$0 annual fee for the first year ($58 p.a. thereafter)
Now eligible for Cashrewards Max. Save with 0% p.a. on balance transfers for 30 months (with no BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
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ANZ Platinum Credit Card
ANZ Platinum Credit Card
20.24% p.a.
0% p.a. for 17 months, reverts to 20.24% p.a.
N/A
$0 annual fee for the first year ($87 p.a. thereafter)
Now offering Cashrewards Max. Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
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ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
120,000
$425
New Cashrewards Max benefit. Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
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ANZ Rewards Platinum
ANZ Rewards Platinum
20.24% p.a.
20.24% p.a.
120,000
$0 annual fee for the first year ($95 p.a. thereafter)
Now offering Cashrewards Max. Get a $0 annual fee in the first year and 120,000 bonus Reward Points when you spend $1,500 on eligible purchases in the first 3 months.
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ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
20.24% p.a.
20.24% p.a.
180,000
$0 annual fee for the first year ($375 p.a. thereafter)
Now eligible for Cashrewards Max. Enjoy 180,000 bonus Reward Points (worth $800 in eGift cards) when you spend $2,000 in the first 3 months. Plus, $0 first-year annual fee.
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ANZ First
ANZ First
20.24% p.a.
0% p.a. for 12 months, reverts to 20.24% p.a.
N/A
$30
New Cashrewards Max benefit. Get 12 months interest-free on purchases, $30 back and a low $30 annual fee with a new ANZ First card.
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ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
20.24% p.a.
20.24% p.a.
75,000
$295
Now offering Cashrewards Max. Receive 75,000 bonus Qantas Points & $150 back when you spend $2,500 on eligible purchases within 3 months.
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ANZ Frequent Flyer
ANZ Frequent Flyer
20.24% p.a.
20.24% p.a.
25,000
$95
Now eligible for Cashrewards Max. Receive 25,000 bonus Qantas Points when you spend $1,000 within the first 3 months. Plus, enjoy uncapped Qantas Points earning potential.
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ANZ Rewards Credit Card
ANZ Rewards Credit Card
20.24% p.a.
20.24% p.a.
50,000
$80
New Cashrewards Max benefit. Earn uncapped Reward Points and get 50,000 bonus points when you spend $1,000 within the first 3 months from approval.
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Compare up to 4 providers

Data updated regularly
Name Product Interest-free period Cash advance rate Purchase rate Annual fee
ANZ Business Black
ANZ Business Black
Up to 55 days on purchases
21.74% p.a.
20.24% p.a.
$0 annual fee for the first year ($300 p.a. thereafter)
Offers premium features including uncapped rewards, travel benefits and tools to manage your business expenses. Plus, $0 first year annual fee.
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ANZ Business Low Rate
ANZ Business Low Rate
14.49% p.a.
12.99% p.a.
$0 annual fee for the first year ($100 p.a. thereafter)
Enjoy Unauthorised Transactions Insurance and Cardholder Transit Accident Insurance. Plus, $0 first-year annual fee and $0 per additional card.
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ANZ Business 55 Interest Free Days
ANZ Business 55 Interest Free Days
Up to 55 days on purchases
19.24% p.a.
17.74% p.a.
$0 annual fee for the first year ($150 p.a. thereafter)
Control cashflow, plus get Unauthorised Transactions Insurance, Cardholder Transit Accident Insurance and a $0 first year annual fee.
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ANZ Business Rewards Options
ANZ Business Rewards Options
Up to 40 days on purchases
21.74% p.a.
20.24% p.a.
$0 annual fee for the first year ($200 p.a. thereafter)
Be rewarded for spending on everyday business purchases with up to 1 point per $1 spent. Plus, $0 first-year annual fee and $0 per additional card.
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Types of credit cards from ANZ

  • ANZ balance transfer cards

If you want to pay off a credit card that's from another bank or brand, moving it to an ANZ credit card with a 0% balance transfer offer gives you a way to save on interest during the introductory period.

With ANZ, you can request the balance transfer when you apply for the new card. There is a minimum balance transfer amount of $100 and you can request up to 95% of your available credit limit – as long as the balance is from credit or store card accounts not issued by ANZ.

  • ANZ Rewards credit cards

ANZ Rewards credit cards let you earn points per $1 spent on your everyday spending, which you can redeem for rewards including digital gift cards, cashback on your account and frequent flyer point transfers to Asia Miles, Air New Zealand Airpoints, Singapore Airlines KrisFlyer and Velocity Frequent Flyer.

  • ANZ frequent flyer credit cards

If you're a Qantas Frequent Flyer member, you can choose from 3 ANZ Frequent Flyer credit cards that offer Qantas Points per $1 spent on your everyday spending. The ANZ Frequent Flyer Platinum and ANZ Frequent Flyer Black also offer more premium perks like complimentary international travel insurance and airport lounge passes.

Get more value: As well as earning points per $1 spent, ANZ rewards and frequent flyer credit cards can offer thousands of introductory bonus points to new cardholders. If you're eligible, you'll get rewards faster – which can also help justify the card's costs when you first get it.

  • ANZ low rate cards

The ANZ Low Rate card offers a 12.49% p.a. interest rate for purchases, which is 7.45 percentage points lower than the average standard credit card interest rate in Australia (currently 19.94% p.a.). This card also helps keep costs down with a relatively low annual fee.

  • ANZ business credit cards

ANZ offers a mix of rewards and lower cost business credit cards. These cards give you a way to keep track of business spending, with features including additional cards for employees, fraud monitoring and daily data feeds for accounting software including Xero, MYOB and Intuit QuickBooks Online.

Benefits of getting a credit card with ANZ

Every ANZ credit card comes with its own mix of features, but these are the benefits you'll get with any of them:

  • Cashrewards Max – cashback offers

Launched in August 2021, the partnership between ANZ and Cashrewards gives you a way to get cashback when you shop with over 1,700 brands, including Apple, Booking.com, Myer, Target and THE ICONIC.

All you need to do is link your ANZ credit card (or debit card) to a Cashrewards account, which is free to create. After that, you'll get cashback when you shop in-store or online with participating brands. The cashback is added to your Cashrewards account and you can transfer it to your bank account or PayPal once you've collected at least $10.01 cashback.

  • Mobile payments

Apple PayGoogle PaySamsung PayFitbit PayGarmin Pay
YesYesYesYesYes

  • ANZ credit card security

Every ANZ credit card comes with 24/7 security protection through ANZ Falcon, which detects and notifies you of any unusual account activity. You're also covered by the ANZ Fraud Money Back Guarantee and Visa Secure for online shopping.

Eligibility criteria

Before you can apply for an ANZ credit card, there are a few eligibility boxes you need to tick.
Each card has slightly different details for who can apply, but all Citi cards include the following:

  • Australian residency. You can apply for an ANZ credit card if you are an Australian citizen, permanent resident or a non-permanent resident with more than 9 months remaining on your Visa.
  • Credit history. You should have a good credit history and credit score. If you're not sure what's on your credit file, it only takes a few minutes to get a free copy of your report and score.
  • Age. You must be at least 18 years of age.

How long does it take to apply?

It takes less than 10 minutes to apply online when you have all the details you need for the application form.

Once you complete and submit this secure form, you'll get a response within 60 seconds with details of the next steps for your application.

Information and documents you need to apply

ANZ credit card applications are made up of a mix of details everyone needs to fill in, and information that's specific to your Australian residency and how you earn income. This includes the following:

  • Personal details. This includes your full name, date of birth, contact details, your family situation and whether you rent or own a home. You also need to provide documents that show proof of your ID and address, such as your driver's licence, a recent utility bill, your Australian passport, Medicare card or a copy of your visa.
  • Financial details. You will need to provide information about your income and assets, including savings or investment returns, as well as regular expenses such as your mortgage payments, rent, utility bills and supermarket shopping.
  • Employment details. You will need to supply information on your current employment status, income and your employer's contact details. You also need to include payslips or bank statements that show at least 3 months of employment and regular income, or 6 months if you're employed as a casual.
  • If you're self-employed. You will need to include your accountant's name, the accountancy firm and your accountant's contact number. You also need to include your most recent Tax Assessment Notice and other documents showing your business profits and losses.
  • If you're retired or on a pension. You will need to provide details about your finances and supporting documentation, such as your most recent pension statement, an annual superannuation statement with an indexed pension amount and 3 months of personal bank statements showing regular credits or cash deposits.

Get income from a mix of sources? Include as much supporting documentation as possible for your application or call ANZ on 13 22 73.

Credit card details

During the application, you'll be asked about details of your new credit card. The two key details to look at are the following:

  • Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just keep in mind that ANZ will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
  • Balance transfers. If you're moving a debt to a new ANZ credit card with a 0% balance transfer rate, you need to include the account details and the amount of debt you want to transfer. Note that the balance transfer is approved separately and the amount that's transferred depends on the credit limit you get for your new ANZ card.

What happens after you apply?

You will get a response and application reference number within 60 seconds of submitting your application. ANZ will contact you within 2 business days if you need to provide any more information before a decision is made.

If you're approved, you should get a welcome pack sent in the mail within 5 business days.

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

  1. ANZ managing your credit card webpage
  2. ANZ application documents
  3. ANZ Rewards website
  4. Cashrewards Max
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Read more on this topic

  • ANZ Rewards Platinum – Exclusive Offer

    This card offers a competitive rewards program, 150,000 bonus ANZ Reward Points, a first-year annual fee waiver and a range of complimentary insurance covers.
  • ANZ Low Rate Credit Card – Exclusive Offer

    Repay your debt and save with 0% p.a. on balance transfers for 25 months and a $0 first year annual fee.
  • ANZ Rewards Guide

    Earn reward points for spending on your credit card and redeem them for frequent flyer rewards, cashback and gift cards with ANZ Rewards.
  • ANZ Platinum Credit Card

    You can save with a 0% purchase offer and no annual fee in the first year with the ANZ Platinum credit card.

  • ANZ Rewards Travel Adventures card

    Enjoy complimentary travel insurance and pay no foreign transaction fees with the ANZ Rewards Travel Adventures card.
  • ANZ Business Black Card

    Earn ANZ Rewards Points and enjoy extras such as complimentary insurance and a business concierge service with the ANZ Business Black card.
  • ANZ Frequent Flyer Black Credit Card

    The ANZ Frequent Flyer Black card boasts a competitive bonus points offer plus extra perks including complimentary insurance and Qantas Club Lounge invitations. Weigh up if it's worth the $425 annual fee.
  • ANZ Rewards Black Credit Card

    Compare the features of the ANZ Rewards Black, including a 180,000 bonus points offer, first-year annual fee waiver, a high earn rate and complimentary insurance.
  • ANZ Credit Card Complimentary Travel Insurance

    Are you covered? Find out here and learn about ANZ's complimentary credit card travel insurance policy.

  • ANZ Business Low Rate

    A low rate business credit card designed to help your company manage employee expenses.
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