ANZ Credit Cards

Below is a list of credit cards from the Australian New Zealand bank. You can apply online for ANZ credit cards by browsing through the links below and clicking apply on the card of your choice. Most ANZ credit cards come with an online debit facility, rewards program and online access to your statements.

ANZ Credit Card Comparison

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
ANZ Low Rate MasterCard	The ANZ Low Rate MasterCard has consistently been one of the most competitive low interest cards, with an amazing balance transfer offer and a low annual fee and purchase rate.	13.24%	21.49%	0% for 6 months	$58	55
ANZ Balance Visa	The ANZ Balance Visa has a unique rewards program, and is the only credit card in Australia that rewards you for repaying your balance. Earn 1 rewards point for every $1 you repay.	14.24%	21.49%	0% for 6 months	$79	55
ANZ Frequent Flyer - Balance Transfer Option	Use your AMEX for more Qantas Frequent Flyer points with a high earn rate of 1 point per $1 spent, and Visa for global acceptance. Now offering a 2.9% p.a. balance transfer for 12 months.	19.49%	20.74%	2.9% for 12 months	$95	44
ANZ Frequent Flyer - 16,000 Bonus Points Option	Apply before 31st October 2010 to receive 16,000 bonus Qantas Frequent Flyer Points	19.49%	20.74%		$95	44
ANZ Frequent Flyer Gold American Express/Visa	Earn 1.25 Qantas Frequent Flyer points for every $1 spend value on purchases with your AMEX card, and 1 point per $2 with VISA. Uncapped points earning. Protected by ANZ Falcon Security.	19.49%	20.74%		$195	55
ANZ Frequent Flyer Platinum American Express/Visa	The ANZ Frequent Flyer Platinum option. Earn up to 1.5 Qantas Frequent Flyer points via AMEX. Includes extended warranty, overseas travel and medical insurance, 90 day purchase security insurance, and exclusive bonus offers and access to Visa Platinum Concierge.	19.49%	20.74%		$295.00	55
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.	18.99%	20.74%	7.99% for 6 months	$0 for the first year ($30 p.a. after)	44
ANZ Gold Visa Card	Enjoy travel & medical insurance, extended warranty, car rental cover, 90 day purchase security insurance, visa entertainment and more	18.99%	20.74%	7.99% for 6 months	$87	55
ANZ Rewards Credit Card	Special Offer! Apply for an ANZ Rewards account by 15 October 2010 any pay no Total Annual Fee for the first year.	19.49%	20.74%		$0 for the first year ($89 thereafter)	44
ANZ Rewards Gold Credit Card	Special Offer! Apply for an ANZ Rewards account by 15 October 2010 any pay no Total Annual Fee for the first year. With the addition of the ANZ Rewards Gold American Express credit card, you can earn rewards points faster. Rewards include a $100 Myer gift card as soon as you have enough rewards points.	19.49%	20.74%		$0 for the first year ($129 thereafter)	44

See the ANZ Overlimit & Late Payment Fees here

Discover how ANZ credit cards can cater to your every need. Find the perfect credit card in the ANZ range by making a comparison of what's on offer.

In your search for credit cards, ANZ credit cards should figure highly. Founded in 1830 in Melbourne and first known as the Australasian Bank, the modern ANZ Bank has a convoluted and prestigious history. ANZ Australia is the Australian arm of the Australia and New Zealand Banking Group Limited, which is the fourth largest bank in Australia and is considered amongst the top 50 banks in the world. Its Australian operations make up the largest part of ANZ's business, with most of this activity in the commercial and retail banking sectors. They have assets in excess of AUD$392 billion and they have operations in thirty countries around the world.

ANZ offers many different credit cards to customers, both for personal and business use. The ANZ Balance Visa is the only credit card in Australia that rewards customers for paying down their balance, and there are always plenty of balance transfer deals on their credit cards. The ANZ Business One credit card offers a low interest rate, and features to help you cope with your monthly expenditures. You can also grab a low annual fee card or a low interest rate card, such as the ANZ Low Rate MasterCard. If you want, you can even design your own credit card by uploading your favourite photo to the site.

There is plenty on offer for the avid traveller with various ANZ frequent flyer credit cards, such as the ANZ Gold Frequent Flyer Card and the American Express Blue Sky Credit Card. You can also enjoy all the perks and benefits of the gold and platinum ANZ credit cards, including travel and medical insurance, and purchase protection. With credit cards from Visa, MasterCard and American Express, you will always be accepted around the world, whether making purchases or withdrawing funds from ATMs.

How does ANZ Bank match up to other financial providers for credit cards?

There are certainly quality offers on board for ANZ. For Frequent Flyer points, the Best Debit Card*, and one of the Best General Rewards Programs*, they are candidates for 1st place in the eyes of Credit Card Finder. Recently when ANZ lowered their rates again, the ANZ Low Rate MasterCard become one of the top 3 low interest card offers in Australia with a low 13.24% p.a rate.

What are some the reward program benefits from ANZ reward cards?

A few benefits out of many included in the reward programs of certain ANZ cards include:

• Hire any car from any major rental company in Australia and ANZ Car Rental Cover can save you $20 – $30 per day per car hired on insurance excess cover, not to mention a significant reduction in the total amount of excess payable in the event you have an accident.
• ANZ eDine® An online entertainment program that offers members discounts on dining, hotels, car hire and attractions around Australia and New Zealand.
• ANZ’s Secure Sentinel Protects you against fraudulent use of your financial cards, mobile phones and personal possessions.

 

ANZ Bank Overview

Get detailed information about ANZ Bank and what the company stands for, the products they feature and other important info on one of Australia's big four banks. The acronym ANZ stands for Australia & New Zealand, and the ANZ Bank's Australian arm - ANZ Australia - is the third-largest in Australia, where it is one of the so-called "big four" banks, along with the Commonwealth Bank, National Australia Bank (NAB), and Westpac. ANZ Bank is also the largest bank in New Zealand, and one of the biggest corporations in either of these countries. However, its operations are not restricted to these two countries as it has a presence in 25 other nations within the Asia and South Pacific region, and is one of the most prominent Australian banks in this entire area. For this reason it is ranked amongst the top 50 banks in the world.

ANZ boasts over 6 million customers across the world and has as a part of its Customer Charter the commitment to top-notch customer service from its employees, especially their customer-facing staff who are tasked with providing the most suitable solutions to individual customer needs. This is all in accordance with their stated aim of becoming one of the best employers in the world, whose staff are fulfilled and therefore motivated towards customer satisfaction.

ANZ Bank's participation in the Australian community revolves around its commitment to local community services, and the bank is a keen advocate of educational advances, actively encouraging financial literacy amongst Australian citizens from an early age. It further makes an impact on the environmental front by promoting awareness through a major contribution to projects such as the Carbon Disclosure Project and the Australian Government's Greenhouse Challenge.

Major events in the history of ANZ Bank

ANZ Bank of Australia came about as a result of the merger in 1951 of the Union Bank of Australia (established 1837) and The Bank of Australasia (established 1835), but it owes more to the The Bank of Australasia, which was given its Royal charter in London.

• 1835: ANZ begins life in London when the Bank of Australasia is given its Royal Charter. In Australia, it first opens in Sydney
• 1837: The Union Bank of Australia is established
• 1838: Bank of Australia opens in Melbourne
• 1852: The English, Scottish and Australian Bank (ES&A) is established in 1852
• 1951: The Bank of Australasia merges with the Union Bank of Australia to form ANZ Bank
• 1966: ANZ begins operations in the Solomon Islands
• 1968: Office opens in New York
• 1969: Office opens in Tokyo
• 1970: ANZ merges with the English, Scottish and Australian Bank Limited to form the Australia and New Zealand Banking Group Limited, as it is today
• 1971: Office opens in Malaysia
• 1976: ANZ (PNG) is established
• 1977: ANZ is incorporated in Australia
• 1979: Acquires Bank of Adelaide
• 1980: Singapore and New York offices attain branch status
• 1984: Grindlay Bank purchased 
• 1985: ANZ opens offices in Germany, and Thailand
• 1988: Office opens in Paris
• 1993: New world headquarters built in Melbourne. Offices open in Vietnam and China
• 1995: Office opens in the Philippines
• 1996: www.anz.com launches
• 1997: Official opening of Beijing branch
• 1999: ANZ Internet Banking launches
• 2001: Establishes cards business in Hong Kong
• 2002: ANZ Australia forms JV with ING Group
• 2003: Acquires National Bank of New Zealand
• 2005: Establishes ANZ Royal Bank in Cambodia
• 2006: New world headquarters announced near the NAB headquarters at Melbourne Docklands
• 2007: ANZ Australia wins Money Magazine's "Bank of the Year"
• 2009: ANZ Australia agrees to acquire Royal Bank of Scotland's Asian operations. Subject to approval, ANZ announces buy-out of ING's 51% stake in JV, making ANZ Australia's third biggest insurer

  
  

ANZ's banking services

ANZ Bank of Australia has two major divisions: a Personal Division that deals with individual clients; and an Institutional Division that handles companies and organisations. The Personal Division is the sector most people are familiar with as it concerns its high street presence in retail banking.

ANZ offers all the usual retail banking products such as savings and checking accounts, credit and debit cards, loans and mortgages. Where credit cards are concerned, there is something to suit every need, including but not limited to the ANZ Balance Visa, ANZ First Visa, ANZ Frequent Flyer Visa, ANZ Frequent Flyer Visa Gold, ANZ Gold Credit Card, ANZ Low Rate MasterCard, ANZ Rewards Visa, and ANZ Rewards Visa Gold.

Besides the great choice of credit cards, ANZ Bank offers various loans such as home loans, personal loans, car loans, and educational loans. Notable within their range of accounts is the ANZ Assured, which offers an extended overdraft of $500 to an ANZ Access Account as an added guard against running short of cash. For savings that can be locked away for a set time, the ANZ Term Deposits account provides a high rate of interest.

For mortgages, ANZ bank offers two lines of credit accounts: the ANZ Home Equity Loan and the ANZ Equity Manager. ANZ's Agribusiness Services is specifically geared to helping customers improve their agricultural businesses.

Whatever your banking needs, with over 150 years in the industry, ANZ has the pedigree and commitment to inspire the utmost confidence in its customers.

* 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. ‘Best and ‘Top’ are ratings which are subject to our consideration and is not rated against all Australian credit cards. We recommend you take this information into account when comparing credit cards.

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• ANZ Frequent Flyer Classic Credit Card now with a balance transfer option
  

  The ANZ Classic Frequent Flyer Credit Card comes feature-packed to give you two cards for the price of one. You get the convenience of owning a Visa card, and a American Express card with the same package deal. Learn what is included by reading this article now…



• ANZ Frequent Flyer Platinum Credit Card Balance Transfer Offer
  

  The ANZ Frequent Flyer Platinum Credit Card is a prestige credit card packages for savvy card consumers. If you are lucky enough to be in possession of one of these deals you can truly feel special. Platinum cards are only reserved for the lucky few who have enough money to handle the generous credit limit. To see whether this card is a fitting match for your hip, read on…



• ANZ Frequent Flyer Gold Balance Transfer Offer
  

  If you want a little bit of extra prestige with a feature-packed credit card duo from ANZ, then look no further than the ANZ Frequent Flyer Gold Credit Card. Giving you the convenience of two cards in one and plenty of features and benefits, you will be able to maximise your Qantas Frequent Flyer points earning every time you take your cards for a spin in the shops. Find out how…



• ANZ Rewards Credit Card – Rewards Program Review
  

  ANZ rewards credit cards can offer customers a great range of cards that offer good value and easy access, but you can also benefit by taking advantage of the ANZ Rewards program.



• ANZ Frequent Flyer Gold Credit Card Review
  

  Why take just any gold card when you can have one by one of Australia’s biggest and most trusted credit card providers – ANZ. ANZ offers a gold card with a range of benefits that would make anyone smile. From frequent flyer points to discounts at premier retailers, this card has it all.



• ANZ Rewards Visa re-launched to maximise earnings potential
  

  ANZ Rewards Visa has re-launched with a fantastic offer on rewards points. Check out this announcement from an ANZ spokesperson on the launch



• ANZ Rewards Review
  

  If you are looking for a dual credit card account with an American Express card and a Visa credit card that offers a flexible rewards program then check out this article for more information about the ANZ Rewards card. Owning this rewards card has never been more exciting.



• ANZ First Visa Card Credit Card Review
  

  The ANZ First Visa offers all the regular benefits you’d expect from a Visa credit card, but with a low annual fee. This makes it the perfect card for customers who don’t want to pay high fees, but still want to access the convenience of credit card payments.



• The ANZ Balance Visa is a unique balance transfer card that rewards you for making repayments
  

  The ANZ Balance Visa card gives you points for the money you pay toward your balance not for what you spend on your card. This gives you incentive to repay your debt sooner because when you pay it back you earn points. The points can be redeemed easily for cash back or shopping vouchers and gift cards. With the simple ways to redeem points and a simple way to earn them, owing a credit card does not get much better than this.



• ANZ Balance Visa Credit Card Review
  

  The ANZ Balance Visa is the only credit card in Australia that rewards you each time you make a repayment. Effectively you’ll be earning reward points for reducing your credit card balance.



• ANZ’s Approach To Credit Card Fees
  

  Find out what ANZ credit card fees are and when they are applied. Understand what ANZ is doing to help the customer avoid paying these fees.



• Interview with ANZ Credit Cards
  

  ANZ have offer considerable value to consumers with their range of credit cards. From the popular ANZ Low Rate MasterCard, to the ANZ Frequent Flyer, ANZ has a great range of cards. Read our interview with ANZ for some interesting insight in to their direction for 2010.



• ANZ Frequent Flyer Credit Cards Guide
  

  The ANZ Frequent Flyer has been improved to give you a better earnings potential, allowing you to earn more Qantas Frequent Flyer points for your dollars spent. Have a read through our review of the available credit card offers, and how they can help you towards your goal of earning enough points to go on a holiday!



• ANZ Frequent Flyer Platinum – Earn 1.5 points per $1 spent on purchases
  

  The ANZ Frequent Flyer Platinum has a limited time only offer where you are eligible to earn a bonus 10,000 Qantas Frequent Flyer points. Read the review to find out more about this special offer from ANZ



• ANZ Frequent Flyer Gold – Earn 1.25 points per $1 spent on purchases
  

  The ANZ Frequent Flyer Gold is a great frequent flyer credit card option. Right now, if you apply, you will earn 10,000 bonus Qantas Frequent Flyer Points. Read the review to find out more!



• ANZ Balance Transfer
  

  If you have an existing credit card with an Australian bank and are looking to switch, ANZ offer a great balance transfer credit card deal on the ANZ Low Rate MasterCard that is definitely worth considering.



• ANZ’s Approach To Corporate Responsibility
  

  Best Low Interest Rate Credit Card
  The ANZ Low Rate MasterCard is the ideal credit card for cutting down your interest repayments. Take advantage of a low balance transfer rate for the first 6 months plus a low ongoing rate on purchases.

  $58 annual fee
  13.24% p.a. on purchases
  0% p.a. for 6 months on balance transfers
  Cash Advance Rate [...]



• ANZ Fraud Protection
  

  Best Low Interest Rate Online Shopping Credit Card
  The ANZ Low Rate MasterCard is the ideal credit card for shopping online securely. Take advantage of 0% p.a. on balances transferred for 6 months which then reverts to a low 12.49% p.a. on purchases.

  $58 annual fee
  13.24% p.a. on purchases
  0% p.a. for 6 months on balance transfers
  Cash Advance [...]



• ANZ Frequent Flyer – Bonus 16,000 Qantas Freqent Flyer Points Offer
  

  Earn 16,000 bonus Qantas Frequent Flyer points when you apply for the ANZ Frequent Flyer credit card before 31st October 2010
  If you are a frequent flyer with Qantas Airlines, then you should read more about the fantastic ANZ Frequent Flyer points bonus system that is being offered right now. There has never been a better [...]



• ANZ Velocity Rewards – Earn Velocity Rewards Points With ANZ Credit Cards
  

  Did you know that you can transfer any ANZ rewards points over to Velocity Rewards? This article shows you how to transfer your ANZ rewards points over to your Velocity membership account in exchange for flights and other discount benefits.





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Editor's Choice: Our Top Credit Cards




Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0