ANZ Credit Cards

ANZ is one of Australia’s biggest banks. Its history dates back to 1835, when it was originally known as the Bank of Australasia. In 1951, the Bank of Australasia merged with the Union Bank of Australia to form ANZ Bank.

ANZ not only operates throughout Australia, but is also present in New Zealand, Asia, the Pacific, Europe, America and the Middle East.

As one would expect from a big four bank, ANZ offers a wide range of credit cards.

ANZ Credit Cards

Low Rate
Balance Transfer0% p.a. on balance transfers for the first 15 months. No Balance Transfer Fee.
Purchase Rate
12.49%
Annual Fee
$58
Max Free Days
55
Late Payment Fee
$20
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Rewards
Bonus Points25,000 bonus Reward Points when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate
18.79%
Annual Fee
$80
Max Free Days
44
Late Payment Fee
$20
Compare
Rewards Platinum
Bonus Points65,000 bonus Rewards Points and $50 back to your new ANZ Rewards Platinum when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate
18.79%
Annual Fee
$95
Max Free Days
55
Late Payment Fee
$20
Compare
Rewards Black
Bonus Points75,000 bonus Rewards Points and $100 back to your new ANZ Rewards Black when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate
18.79%
Annual Fee
$375
Max Free Days
55
Late Payment Fee
$20
Compare
First
Balance Transfer0% p.a. on balance transfers for the first 18 months
Purchase Rate
19.74%
Annual Fee
$30
Max Free Days
44
Late Payment Fee
$20
Compare
First Student
Purchase Rate
19.74%
Annual Fee
$0
for 12 months then $30
Max Free Days
44
Late Payment Fee
$20
Compare
Platinum
Balance Transfer0% p.a. on balance transfers for the first 18 months
Purchase Rate
19.74%
Annual Fee
$0
for 12 months then $87
Max Free Days
55
Late Payment Fee
$20
Compare
Frequent Flyer Platinum
Bonus Points65,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Platinum when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate
19.99%
Annual Fee
$295
Max Free Days
55
Late Payment Fee
$20
Compare
Frequent Flyer
Bonus Points25,000 bonus Reward Points when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate
19.99%
Annual Fee
$95
Max Free Days
44
Late Payment Fee
$20
Compare
Frequent Flyer Black
Bonus Points75,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate
19.99%
Annual Fee
$425
Max Free Days
55
Late Payment Fee
$20
Compare
Rewards Travel Adventures Card
SpecialEnjoy a Complimentary Return Domestic Flight Each Year
Purchase Rate
20.24%
Annual Fee
$225
Max Free Days
55
Late Payment Fee
$20
Compare

About ANZ credit cards

Like the other big four banks, ANZ offers consumers a range of credit card options:

  • Low-fee credit cards
  • Low-rate credit card
  • Rewards credit cards
  • Frequent flyer credit cards
  • Student credit cards
  • Visa credit cards

Different credit cards come with different rates and fees. For example, some credit cards have low annual fees, while others have high annual fees. When it comes to interest rates, purchase interest rates range from moderately low to moderately high, while cash advance rates tend to be high. Interest-free periods also vary, ranging in length from moderately low to moderate.

Some ANZ credit cards offer balance transfer deals. Conditions vary, but ANZ does offer 0 per cent balance transfers.

ANZ frequent flyer cards allow consumers to earn Qantas points for everyday purchases. Different credit cards having different earn rates, while some have caps on the amount of points you can earn.

ANZ credit cards review

When it comes to credit cards, ANZ is a big bank that acts like a big bank. It doesn’t offer the lowest rates or fees in the market, but it does offer a lot of choice.

ANZ has a credit card for almost every type of consumer out there, from low-fee credit cards, low-rate credit cards and student credit cards to rewards credit cards and frequent flyer credit cards.

ANZ’s low-rate credit cards charge moderately low interest rates, while its low-free credit cards charge annual fees that range from low to moderate. (Other ANZ cards charge higher interest rates and annual fees.)

ANZ’s rewards and frequent flyer credit cards give consumers the chance to earn points that can be exchanged for flights, cashback, gift cards, white goods, electronics, toys, movie tickets and much more.

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