Compare ANZ Credit Cards

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Save money or earn points by comparing low fee, low rate, rewards and frequent flyer credit cards from ANZ

Since opening its doors in Melbourne more than 150 years ago, ANZ has grown to become an international banking institution servicing customers all over Asia, the Pacific and Australia. ANZ is among the top hundred banks in the world and the range of ANZ credit cards reflects their status as a global financial organisation.

If you’re budget-conscious, ANZ offer low fee and low rate credit cards. There are platinum versions of these products too if you’re looking for a little extra. The super-premium black frequent flyer and rewards credit cards take earning points to a new level, but if the glitz of a black card isn’t your thing, there are entry level rewards cards to suit your budget too.

ANZ recognised awards

  • Business bank of the year – Money Magazine named ANZ as the best business bank in Australia for the year of 2014.
  • Home Loan Lender of the year – Money Magazine recognised ANZ as the home loan lender of year in 2014. ANZ have been named home loan lender of the year 13 times in recent history.
  • Best Bank in Australia – UK magazine, ‘The Banker’ named ANZ the best bank in Australia and Laos for the year of 2010.
ANZ Frequent Flyer Platinum American Express/Visa

ANZ Frequent Flyer Credit Card Offer

The ANZ Frequent Flyer Platinum offers 50,000 bonus Qantas Points after you spend $5,000 on eligible purchases plus earn up to 1.50 Qantas Frequent Flyer points per $1 spent on purchases.

  • $0 p.a. annual fee for the first year ($295 p.a. thereafter) annual fee
  • 19.99% p.a. on purchases
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $50,000 p.a.

Comparison of ANZ Credit Cards

Rates last updated August 28th, 2015.

ANZ First Visa Credit Card

This balance transfer offer has been extended by ANZ for the foreseeable future.

August 20th, 2015

ANZ Platinum Credit Card

This balance transfer offer has been extended by ANZ for the foreseeable future.

August 20th, 2015

ANZ Low Rate

This balance transfer offer has been extended by ANZ for the foreseeable future.

August 20th, 2015

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Frequent Flyer Platinum American Express/Visa
Get 50,000 bonus Qantas Points with $0 p.a. annual fee for the first year. Earn up to 1.50 Qantas Points per $1 spent on purchases.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) 21.49% p.a. Go to site More info
ANZ Low Rate
Enjoy a low rate on your everyday purchases and on long term balance transfers.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. 21.74% p.a. Go to site More info
ANZ First Visa Credit Card
If you are a student, or considering applying for your first credit card, the ANZ First Visa is a good one to consider, with the opportunity to have a low starting credit limit.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $30 p.a. 21.49% p.a. Go to site More info
ANZ Platinum Credit Card
Receive a low, long term rate on balance transfers. Get no annual fee for the first year.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
A low interest rate on purchase with up to 55 days interest free. Plus enjoy a low rate balance transfer offer.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. 21.74% p.a. Go to site More info
ANZ Rewards Black Credit Card
Earn up to 3.00 reward points per dollar spent, plus enjoy up to 55 interest free days on purchases.
18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) 20.99% p.a. Go to site More info
ANZ Rewards Platinum
A credit card which lets you earn 1.50 reward points for every dollar spent on eligible purchases with your VISA card and 3.00 reward points with your AMEX card.
18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) 20.99% p.a. Go to site More info
ANZ First Student Card Offer
Simple credit card with low annual fee which makes it ideal for students.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) 21.49% p.a. Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points, earn 1.50 Qantas Points per dollar spent with up to 55 days interest-free on purchases.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) 21.49% p.a. Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points with $0 p.a. annual fee for the first year and earn 1.00 points per dollar spent.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) 21.49% p.a. Go to site More info
ANZ Rewards Credit Card
Pay no annual fee for the first year, get 25,000 bonus Reward Points and earn 2.00 points per dollar spent.
18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) 20.99% p.a. Go to site More info
ANZ Balance Visa
For people interested in a reward's program after they've repaid their balance.
13.99% p.a. $79 p.a. 21.74% p.a. More info
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Types of ANZ Credit Cards

If you’re comparing different types of credit cards, look at the fees and features. The annual fee, the rates of interest, interest-free days and perks like insurance are the main points of difference between credit cards. ANZ have multiple products in each card category, so whether you want a low rate, low fee, rewards or frequent flyer credit card, you have a couple of options to choose from.

  • Low rate credit cards

    ANZ offer a standard low rate product for an annual fee of just $58 p.a. But if you want more than just a way to make cheap purchases, there’s the ANZ Low Rate Platinum Credit Card. The Low Rate Platinum MasterCard has a higher annual fee, but combines the benefits of a low purchase rate of interest, complimentary insurance and MasterCard Platinum Privileges.

Rates last updated August 28th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
Save with a low rate on purchases and balance transfers with a low annual fee and ongoing purchase rate.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. 21.74% p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
A low interest rate on purchase with up to 55 days interest free. Plus enjoy a low rate balance transfer offer.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. 21.74% p.a. Go to site More info
Rates last updated August 28th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
NAB Low Rate Credit Card
A credit card which offers a low rate introductory offer on purchases and a low annual fee.
0% p.a. for 12 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
St.George Vertigo Visa
A low rate shopping credit card offering a low ongoing rate on purchases plus a low balance transfer offer.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
Coles Low Rate Mastercard
A low interest rate credit card along with a low annual fee.
11.99% p.a. 0% p.a. for 6 months $49 p.a. 19.99% p.a. Go to site More info
Citi Clear Platinum Card
Enjoy the benefits of Visa Platinum, with a low annual fee and a great introductory offer on purchases and balance transfers.
0% p.a. for 9 months (reverts to 13.99% p.a.) 0% p.a. for 9 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 21.74% p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
A low purchase rate offer from Bank of Melbourne. Also benefit with other features including a low ongoing purchase rate and low annual fee.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
ANZ Low Rate
Save with a low rate on balance transfers with a low annual fee and ongoing purchase rate.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. 21.74% p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
Platinum card features including overseas medical and travel insurance together with a low interest rate on purchases.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. 21.74% p.a. Go to site More info
St.George No Annual Fee
0% on purchases for the first 3 months and $0 annual fees, plus the added bonus of 12 months on balance transfer.
0% p.a. for 3 months (reverts to 20.49% p.a.) 0% p.a. for 12 months $0 p.a. 20.49% p.a. Go to site More info
Bank of Melbourne Amplify Signature
Offers a low interest rate offer on purchases and balance transfers when you apply and be rewarded on your birthday every year.
0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $279 p.a. 20.74% p.a. Go to site More info
Westpac Low Rate Card - Exclusive Offer
Exclusive Offer to finder.com.au
A low interest rate on everyday purchases and an exclusive long term balance transfer rate offer.
13.49% p.a. 0% p.a. for 20 months with 2.5% balance transfer fee $59 p.a. 21.49% p.a. Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
9.99% p.a. $0 p.a. 9.99% p.a. Go to site More info
BankSA Vertigo Visa
A low rate credit card, with a low purchase offer from BankSA.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
Learn more about Low Rate Credit Cards
  • Low fee credit cards

    The ANZ First and ANZ Platinum Visa credit cards are an option if you plan to pay your balance in full each month. For what they offer, both products have a low annual fee. There’s interest-free days on purchases, too — pay back what you spend when your statement comes and you can use these cards as an interest-free form of finance.

Rates last updated August 28th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ First Visa Credit Card
This simple a low annual fee credit card it offers interest free days on purchases and low minimum credit limit.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $30 p.a. 21.49% p.a. Go to site More info
ANZ Platinum Credit Card
A low interest rate offer on balance transfers with a $0 annual fee for the first year.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
Rates last updated August 28th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Commonwealth Bank Low Fee Student credit card
Get a balance transfer offer with no annual fee for students.
19.74% p.a. 5.99% p.a. for 5 months $0 p.a. 21.24% p.a. More info
Commonwealth Bank Low Fee Credit Card
Enjoy $0 annual fee for the first year and each following year if you spend $1,000 or more**. Get 5% cash back when you tap with a new Low Fee credit card.
19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($29 p.a. thereafter) 21.24% p.a. More info
Commonwealth Bank Low Fee Gold Credit Card
Gold card privileges such as travel insurance, extended warranty and purchase protection. Take advantage of $0 annual fee for the first year each following year if you spend $10,000 or more**. Get 5% cash back on contactless purchases.
19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($89 p.a. thereafter) 21.24% p.a. More info
BoQ Low Rate Visa Credit Card
The Bank of Queensland's standard low interest rate credit card.
13.49% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) 21.49% p.a. More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low rate on your everyday purchases with a low balance transfer deal.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
  • Rewards credit cards

    The following credit cards are linked to the ANZ Rewards Program. Earn ANZ Rewards Points when you make an eligible purchase and redeem your points for gift vouchers, technology and flights.

Rates last updated August 28th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Points per $ spent
ANZ Rewards Credit Card
Pay no annual fee for the first year, get 25,000 bonus Reward Points and earn 2.00 points per dollar spent.
18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) VISA/MC: 1.5 AMEX: 2 Go to site More info
ANZ Rewards Black Credit Card
Earn up to 3.00 reward points per dollar spent, plus enjoy up to 55 interest free days on purchases.
18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) VISA/MC: 2 AMEX: 3 Go to site More info
ANZ Rewards Platinum
Pay no annual fee for the first year, receive 50,000 Reward Points, and earn up 3.00 for every dollar spent on purchases.
18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) VISA/MC: 1.5 AMEX: 3 Go to site More info
Rates last updated August 28th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Points per $ spent
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points when you meet the minimum spend of $5,000 in the first three months and pay no annual fee for the first year.
18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) VISA/MC: 1.5 AMEX: 3 Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 3x Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 14 months
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 Bonus Qantas Points Plus earn 2 points for international purchases including online spend. Including a low balance transfer offer of 0% p.a. for 6 months.
19.99% p.a. 0% p.a. for 6 months $199 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
Earn up to 1.50 Qantas Frequent Flyer points per $1 spent on purchases. Plus 50,000 Qantas Points when you spend $5,000 on purchases within the first 3 months and no annual fee offer in the first year. Conditions & minimum spend apply.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) VISA/MC: 0.5 AMEX: 1.5 Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with a low balance transfer offer of 0.99% p.a. for 6 months. Earn 1.00 Qantas Point per $1 spend.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
American Express Velocity Escape Card
Receive 7,500 Velocity bonus points when you spend $300 in the first 3 months, plus a $0 p.a. card fee.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
20,000 bonus Velocity points and half annual fee offer for the first year.
20.74% p.a. 1.9% p.a. for 12 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) VISA/MC: 1.25 AMEX: 0 Go to site More info
Coles Low Rate Mastercard
Enjoy a low annual fee credit card and a low interest rate.
11.99% p.a. 0% p.a. for 6 months $49 p.a. VISA/MC: 0.5 AMEX: 0 Go to site More info
ANZ Frequent Flyer
Get 25,000 Qantas Points after you spend $2,500 on purchases within the first 3 months and earn up to 1.00 points per $1 spent on purchases.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) VISA/MC: 0.5 AMEX: 1 Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards bonus points and a complimentary Virgin Australia flight each year. Plus a low balance transfer offer of 0.99% p.a. for 6 months.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Citi Qantas Signature Credit Card
Earn up to 60,000 bonus Qantas Points when you meet the spend requirement, 0% p.a. for 6 months on balance transfers and $0 annual fee for the first year.
20.99% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($299 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Coles No Annual Fee MasterCard
No annual fee credit card with flybuys points on everyday purchases, plus enjoy up to 62 interest free days.
19.99% p.a. 0% p.a. for 6 months $0 p.a. VISA/MC: 0.5 AMEX: 0 Go to site More info
HSBC Platinum Credit Card
A low balance transfer offer of 0% p.a. for 8 months. Enjoy a no annual fee for the life of the card with high credit limits, prestige services including a personal concierge service and VISA Platinum rewards program.
19.99% p.a. 0% p.a. for 8 months $0 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
American Express Qantas Ultimate Card
Receive up to 50,000 extra Qantas Points. Plus earn 1.00 points per $1 spend.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
NAB Qantas Rewards Premium Card
A low balance transfer offer of 0% p.a. for 15 months as well as 40,000 bonus Qantas Points. Ability to earn 1.50 points per $1 spent on eligible purchases.
19.99% p.a. 0% p.a. for 15 months $250 p.a. VISA/MC: 0.5 AMEX: 1.5 Go to site More info
Bankwest Qantas Platinum MasterCard
Bonus 8,000 Qantas Points when you apply online. Plus earn 0.750 Qantas Points for every $1 spent.
20.49% p.a. 2.99% p.a. for 9 months $160 p.a. VISA/MC: 0.75 AMEX: 0 Go to site More info
St.George Amplify Signature
Earn 1.500 Qantas or Amplify Points per dollar spent on eligible purchases.
0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $279 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
NAB Velocity Rewards Premium Card
Receive 20,000 bonus reward points and a complimentary insurance. 0% p.a. on balance transfers for 15 months.
19.99% p.a. 0% p.a. for 15 months $150 p.a. VISA/MC: 0.5 AMEX: 1.5 Go to site More info
ANZ Rewards Black Credit Card
Earn up to 3.00 reward points per dollar spent, plus enjoy up to 55 interest free days on purchases.
18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) VISA/MC: 2 AMEX: 3 Go to site More info
ANZ Rewards Credit Card
Apply for the ANZ Rewards Credit Card and get 25,000 Reward Points after you spend $2,500 on purchases within the first three months. Earn reward points on your purchases, redeemable for a huge selection of rewards including shopping vouchers, gift cards, and travel.
18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) VISA/MC: 1.5 AMEX: 2 Go to site More info
Bankwest Qantas MasterCard
2,000 Qantas points offer and earn 0.500 Qantas Point per $1 spent on eligible purchases.
20.49% p.a. 2.99% p.a. for 9 months $100 p.a. VISA/MC: 0.5 AMEX: 0 Go to site More info
St.George Amplify Platinum
Choose between Amplify or Qantas rewards program. Uncapped points earning.
0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $99 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
Woolworths Money Everyday Platinum Credit Card
0% p.a. for 14 months on balance transfers and earn up to 3.00 rewards points per $1 spent with $0 annual fee and receive a $100 Gift Card, offer ends 31 August 2015.
19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Woolworths Money Qantas Platinum Credit Card
Earn Qantas Points on your everyday shop and pay a reduced annual fee for the first year. Includes access to special discounts with associated partners.
20.49% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($139 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Bankwest More Platinum Mastercard
Introductory 28,000 bonus points offer and a low interest rate on balance transfers.
19.99% p.a. 2.99% p.a. for 9 months $130 p.a. VISA/MC: 2 AMEX: 0 Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points, earn 1.50 Qantas Points per dollar spent with up to 55 days interest-free on purchases.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) VISA/MC: 0.75 AMEX: 1.5 Go to site More info
Citi Rewards Credit Card - Signature
Get 60,000 reward points on your first eligible purchase. Convert them to Qantas Points.
20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
Citi Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months with 2.5% balance transfer fee and a host of platinum privileges. Earn up to 1.250 Citibank Reward points for every $1 spend.
20.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $199 p.a. VISA/MC: 1.25 AMEX: 0 Go to site More info
Bankwest More MasterCard
8,000 bonus More points offer and a long term balance transfer.
19.99% p.a. 2.99% p.a. for 9 months $70 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
Bankwest More Gold MasterCard
15,000 bonus points and a balance transfer offer of 2.99% p.a. for 9 months.
19.99% p.a. 2.99% p.a. for 9 months $120 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you spend $1,000 on your card. You can transfer points to a choice of 9 leading airline rewards programs, including the Qantas Frequent Flyer program.
$1,200 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Emirates Citi World Card
Receive up to 40,000 bonus Skyward Miles and half price annual fee for the first year.
20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Citi Prestige Card
Receive 70,000 bonus reward points on your first spend. Option to earn opt-in to the Qantas Rewards program and earn Qantas Points.
20.74% p.a. 0% p.a. for 6 months $700 p.a. 2 Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points and earn up to 3.00 Rewards Points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
20.74% p.a. $99 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Bank of Melbourne Amplify Classic - Amplify Rewards
Earn Amplify points on purchases to redeem for gift cards, appliances, events and experiences, travel through Amplify Travel. Plus a low purchase rate offer of 0% p.a. for 3 months.
0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $79 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
Coles Rewards Platinum Mastercard
Earn 2.000 flybuys points for every $1 spent and no foreign transaction fees for online purchases and overseas trips, plus 62 interest-free days on purchases.
19.99% p.a. 0% p.a. for 6 months $89 p.a. VISA/MC: 2 AMEX: 0 Go to site More info
Learn more about Rewards Credit Cards
  • Frequent flyer credit cards

    These credit cards reward you with Qantas Points when you make an eligible purchase. You get a Visa card and an American Express card. The American Express gives you more points per dollar spent than the Visa card, but Visa is accepted in more places than the American Express.

    Redeem your Qantas Points to take to the skies or use your points to shop in the Qantas online store. These cards come with perks, too, like a range of insurances. You can read more about the fees and features of these cards on our review pages by clicking ‘more info’.

Rates last updated August 28th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points with $0 p.a. annual fee for the first year and earn 1.00 points per dollar spent.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) 21.49% p.a. Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
Get 50,000 bonus Qantas Points with $0 p.a. annual fee for the first year. Earn up to 1.50 Qantas Points per $1 spent on purchases.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) 21.49% p.a. Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points, earn 1.50 Qantas Points per dollar spent with up to 55 days interest-free on purchases.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) 21.49% p.a. Go to site More info
Rates last updated August 28th, 2015
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Velocity Platinum Card
American Express Velocity Platinum Card
100,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $349 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
40,000 bonus points 1 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
1 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
50,000 bonus points 0.5 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Woolworths Money Qantas Platinum Credit Card
Woolworths Money Qantas Platinum Credit Card
10,000 bonus points 1 0 20.49% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($139 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
7,500 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
25,000 bonus points 0.5 1 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Citi Qantas Signature Credit Card
Citi Qantas Signature Credit Card
60,000 bonus points 1 0 20.99% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
40,000 bonus points 0.5 1.5 19.99% p.a. 0% p.a. for 15 months $250 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.75 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
75,000 bonus points 2 3 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
50,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
20,000 bonus points 1.25 0 20.74% p.a. 1.9% p.a. for 12 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
NAB Qantas Rewards Card
NAB Qantas Rewards Card
20,000 bonus points 0.5 1 19.99% p.a. 0% p.a. for 15 months $95 p.a. Go to site More info
St.George Amplify Signature
St.George Amplify Signature
1.5 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $279 p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Bankwest Qantas Platinum MasterCard
8,000 bonus points 0.75 0 20.49% p.a. 2.99% p.a. for 9 months $160 p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
20,000 bonus points 0.5 1.5 19.99% p.a. 0% p.a. for 15 months $150 p.a. Go to site More info
St.George Amplify Classic
St.George Amplify Classic
1 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $79 p.a. Go to site More info
American Express Platinum Card
American Express Platinum Card
100,000 bonus points 0 1 $1,200 p.a. Go to site More info
Bankwest Qantas Gold MasterCard
Bankwest Qantas Gold MasterCard
4,000 bonus points 0.5 0 20.49% p.a. 2.99% p.a. for 9 months $150 p.a. Go to site More info
St.George Amplify Platinum
St.George Amplify Platinum
1 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $99 p.a. Go to site More info
Citi Rewards Credit Card - Signature
Citi Rewards Credit Card - Signature
60,000 bonus points 1.5 0 20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. Go to site More info
Bankwest More Platinum Mastercard
Bankwest More Platinum Mastercard
28,000 bonus points 2 0 19.99% p.a. 2.99% p.a. for 9 months $130 p.a. Go to site More info
Bankwest Qantas MasterCard
Bankwest Qantas MasterCard
2,000 bonus points 0.5 0 20.49% p.a. 2.99% p.a. for 9 months $100 p.a. Go to site More info
David Jones American Express
David Jones American Express
30,000 bonus points 0 1 20.74% p.a. $99 p.a. Go to site More info
NAB flybuys Rewards Card
NAB flybuys Rewards Card
10,000 bonus points 1 0 19.99% p.a. 0% p.a. for 15 months $95 p.a. Go to site More info
Learn more about Frequent Flyer Credit Cards

  • Student Credit Cards

    As a student you could assume that the realm of credit cards would be out reach and simply not affordable. ANZ’s solution for students combines a low fee and low minimum credit limit to minimise costs and encourages manageable credit.

Rates last updated August 28th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ First Student Card Offer
Simple credit card with low annual fee which makes it ideal for students.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) 21.49% p.a. Go to site More info
ANZ First Visa Credit Card
This simple a low annual fee credit card it offers interest free days on purchases and low minimum credit limit.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $30 p.a. 21.49% p.a. Go to site More info
Rates last updated August 28th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ First Student Card Offer
No annual fee for the first year and a low ongoing annual fee thereafter.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) 21.49% p.a. Go to site More info
NAB Low Rate Credit Card
A credit card which offers a low interest rate on purchases.
0% p.a. for 12 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
St.George Vertigo Visa
One of the cheapest credit cards available in Australia for purchases and balance transfers.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
ANZ First Visa Credit Card
This simple a low annual fee credit card is designed as a first credit card with a low fee and low minimum credit limits. Protected by ANZ Falcon's 24/7 suspicious transaction security.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $30 p.a. 21.49% p.a. Go to site More info
ANZ Low Rate
A low rate credit card with introductory offer on balance transfers.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. 21.74% p.a. Go to site More info
St.George No Annual Fee
A card with no annual fees. Combined with a low purchase and balance transfer rates and a low credit minimum credit limit.
0% p.a. for 3 months (reverts to 20.49% p.a.) 0% p.a. for 12 months $0 p.a. 20.49% p.a. Go to site More info

Learn more about Student Credit Cards

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The benefits of banking with ANZ

ANZ, Visa and MasterCard work together to provide more than just a product that gives you access to credit. When you apply for an ANZ credit card, you get extras like:

  • Internet banking — ANZ goMoney

    goMoney is mobile banking application for smartphones and tablets. Once you’ve registered for Internet banking, you can download and login to the application using your customer reference number and telecode. This app has been made so it’s light on mobile data and has a simple user interface. goMoney compliments the ANZ Internet banking facility well. Between your desktop and smartphone, you’re able to manage your account(s), make payments and view recent transactions anywhere in the world, 24/7.

  • Fraud protection — ANZ Falcon

    Falcon anti-fraud protection from ANZ monitors your account for suspicious transactions around-the-clock. If they find a transaction that which looks out of the ordinary, ANZ will be in contact to confirm that you’re using the card and not someone else. If you can’t be reached by ANZ, your card will be temporarily blocked until you can be contacted — better to be safe than sorry. If you are the victim of credit card fraud, ANZ will give you a full refund on the stolen funds.

  • MasterCard and Visa — global reach, contactless payments & privileges

    ANZ works with both Visa and MasterCard to provide credit cards. Some cards are a Visa card, and other cards are a MasterCard card. Whichever card you get, you can benefit from worldwide acceptance, contactless payments and Visa and MasterCard privileges, like Visa entertainment, which offers discounts on selected experiences like concerts.

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How to apply for an ANZ credit card

You can apply online for any of the ANZ credit cards listed on this page by clicking ‘Go to Site’. There are some eligibility requirements you must meet if you want to apply. The minimum income requirement varies depending on the card you want to apply for. Unlike other providers, you don’t need to be a permanent resident to apply for an ANZ credit card. If you’re a New Zealand citizen holding a special category visa or you hold a business investor or student visa with at least nine months remaining, you can apply for a credit card from ANZ.

Information needed for an ANZ credit card application

Have the following details about yourself and your finances handy to assist with your ANZ credit card application.

  • Driver’s licence - If you have an Australian driver’s licence, you can provide the number to verify your identity with the bank.
  • Personal details - This includes information like your contact details, your home address and your email address.
  • Financial details - You will be asked to provide information about your employer and your financial situation (income and expenses). If you’re self-employed, you will need to provide your accountant’s contact details to ANZ.
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Frequently Asked Questions

Here are the most frequently asked questions about ANZ credit cards. After reading our FAQs, if you still have a question about ANZ credit cards, get in touch with us using the form at the bottom of this page.

How do I set up ANZ online banking?

If you want to access and manage your ANZ credit card online, you’ll need to set up internet banking first. After you’re approved for an ANZ credit card, you need to give an ANZ customer service agent a call to get a customer registration number and a telecode. You’ll need to change your telecode to something you can remember. Once you have this information, you can complete the registration for internet banking and ANZ GoMoney by visiting the ANZ website.

What is my ANZ credit card monthly statement?

A credit card statement details your account activity for the month. Your ANZ credit card statement contains information about credit card transactions, the money deposited on the card, and whether any rewards or frequent flyer points have been awarded to you in the previous statement period. Statements are automatically sent to you in the mail, but you can elect to receive electronic statements if you wish.

How is interest calculated on my ANZ credit card?

If you’re carrying a balance on your ANZ credit card, Interest is calculated on a daily basis and charged monthly.

What is the minimum monthly repayment?

The minimum monthly repayment is a percentage of your total outstanding balance that you must pay back every statement period, which is generally monthly. The minimum monthly repayment is listed in our ANZ credit card application and review pages.

Can I pay a large one-off payment to cover the minimum repayment on my ANZ credit card for multiple months?

No, you have to pay the minimum monthly repayment by the due date. This information is listed on your credit card statement. You can’t pay your minimum monthly repayment early. If you don’t make the minimum monthly repayment, you will be charged a late payment fee.

How are my repayments allocated to my ANZ credit card?

When you make a credit card repayment, ANZ will repay your credit card balance in a specific order. The balances which attract the highest rates of interest will be paid back first and the balances which have the lower rates of interest will be paid back next and so on.

If I pay a bill with my ANZ credit card, is it a purchase or a cash advance?

If you pay a bill from your ANZ credit card account, the transaction may be charged as a purchase and it may be charged as a cash advance. It depends how the biller has set up the BPAY billing service. If the biller accepts credit card payments, then the transaction is a purchase, if not then it’s a cash advance.

How does my ANZ credit card interest-free period work?

If you pay your balance in full each month when you statement is issued, you won’t get charged any interest on the purchases you make on your ANZ credit card between statement periods.

My ANZ credit card is about to expire, how do I get a new one?

If your ANZ credit card is about to expire, ANZ will reissue with another credit card at the end of the month the card is set to expire.

Can I load my own money onto my ANZ credit card and still earn points when I spend?

If you load money onto your ANZ rewards credit card so it has a positive balance, any eligible purchases you make with the card will still earn points.

I have an ANZ frequent flyer credit card, when will I get my Qantas Points?

If you have an ANZ frequent flyer credit card, your Qantas Points will be credited to your account within 48 hours of the date your ANZ credit card statement is issued.

How do I close my ANZ credit card account?

If you want to cancel your ANZ credit card, all you have to do is make sure that you don’t owe any money on the card. Give an ANZ representative a call and they will be able to cancel the card for you.

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Credit Cards Comparison

Rates last updated August 28th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
NAB Low Rate Credit Card
Low ongoing interest rate on purchases and balance transfers.
0% p.a. for 12 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you spend $300 within the first 3 months and up to 2.00 points for every dollar you spend, together with a $0 annual fee. Offer ends on 30 September 2015.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to Platinum benefits including a personal concierge service and VISA Platinum reward program.
19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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