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ANZ Credit Card Offers

Compare the best reward credit card offers from ANZ, such as the ANZ Frequent Flyer Black credit card, which is one of the most popular credit card choices among Qantas frequent flyer points hackers. Perfect for Qantas frequent flyers who want to make the most of their everyday spending and boost their Qantas frequent flyer points balance from the ground, some cards even offer bonus Status Credits to get you to the next tier sooner. Platinum perks like complimentary travel insurance, concierge service and lounge access are also available, depending on the card.

ANZ also offers competitive low rate credit cards and everyday credit cards, like the ANZ Low Rate credit card. Our credit card comparisons and reviews help compare fees, rates, rewards and bonus points offers.

Purchase Rate
A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.
Balance Transfer
The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.
Annual Fee

ANZ First

ANZ First
0% Purchase credit card

ANZ First

Simple everyday credit card with low ongoing annual fee. 0% p.a. for 12 months on purchases and $30 back to your new ANZ First credit card. New Card. Reverts to standard purchase rate, (currently 20.24% p.a.) after 12 months. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $30).
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

0% for
12 months
reverts to
20.24% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$30
p.a.

ANZ Frequent Flyer

ANZ Frequent Flyer
Frequent Flyer credit card
Rewards credit card

ANZ Frequent Flyer

Earn Qantas Points on your everyday purchases. 25,000 bonus Qantas Points when you spend $1,000 on eligible purchases in the first 3 months from approval. T&Cs, eligibility criteria, fees and charges apply.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

20.24%
p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$95
Includes a $40 Annual Account Fee and a $55 Rewards Program Services Fee
p.a.

ANZ Frequent Flyer Black

ANZ Frequent Flyer Black
Frequent Flyer credit card
Rewards credit card

ANZ Frequent Flyer Black

* Winner Best Qantas Frequent Flyer Card - $1K monthly spend category *
The ANZ Frequent Flyer Black is ANZ's most rewarding Qantas experience with uncapped Qantas Points earning potential.

Earn 120,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval.*

*New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $425).
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

20.24%
p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$425
Includes a $370 Annual Account Fee and a $55 Rewards Program Services Fee
p.a.

ANZ Frequent Flyer Platinum

ANZ Frequent Flyer Platinum
Frequent Flyer credit card
Rewards credit card

ANZ Frequent Flyer Platinum

Earn 75,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Platinum credit card when you spend $2,500 on eligible purchases in the first 3 months from approval.*

*New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $295).
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

20.24%
p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$295
Includes a $240 Annual Account Fee and a $55 Rewards Program Services Fee
p.a.

ANZ Low Rate

ANZ Low Rate
Balance Transfer credit card
No Annual Fee credit card
Low Interest credit card

ANZ Low Rate

0% p.a. for 20 months on balance transfers with no balance transfer fee and $0 Annual Fee in First Year with an ANZ Low Rate credit card. Reverts to standard balance transfer rate, currently 20.24% p.a., after 20 months. T&Cs, eligibility criteria, fees and charges apply (including Annual Fee, currently $0 for the first year, $58 thereafter).
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

12.49%
p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
20 months
reverts to
20.24% p.a.
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
first year
then $58 p.a.

ANZ Platinum

ANZ Platinum
0% Purchase credit card
No Annual Fee credit card

ANZ Platinum

0% p.a. for 17 months on purchases and $0 Annual Fee in First Year with an ANZ Platinum credit card.*

*Reverts to standard purchase rate, currently 20.24% p.a. after 17 months. In each subsequent year, standard Annual Fee (currently $87) applies. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

0% for
17 months
reverts to
20.24% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
first year
then $87 p.a.

ANZ Rewards

ANZ Rewards
Rewards credit card

ANZ Rewards

Be rewarded for your everyday purchases and have the flexiblity to redeem points for rewards ranging from gift cards to cashback and travel. Earn 50,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $80).
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

20.24%
p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$80
Includes a $25 Annual Account Fee and a $55 Rewards Program Service Fee.
p.a.

ANZ Rewards Black

ANZ Rewards Black
Rewards credit card

ANZ Rewards Black

Earn 130,000 bonus Reward Points and $150 back to your new ANZ Rewards Black credit card when you spend $2,000 on eligible purchases in the first 3 months from approval.*

*New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $375).
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

20.24%
p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$375
Includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee
p.a.

ANZ Rewards Platinum

ANZ Rewards Platinum
Rewards credit card

ANZ Rewards Platinum

Earn 100,000 bonus Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months from approval.*

*New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $95).
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

20.24%
p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$95
Includes a $40 Annual Account Fee and a $55 Rewards Program Service Fee
p.a.

ANZ Rewards Travel Adventures

ANZ Rewards Travel Adventures
Rewards credit card

ANZ Rewards Travel Adventures

Enjoy 40,000 bonus Reward Points, when you spend $1,000 on eligible purchases in the first 3 months from approval. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee currently $120).
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

20.24%
p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$120
p.a.

Your Guide to ANZ Credit Card Applications

Why choose an ANZ credit card?

From frequent flyer and rewards credit cards, to low rate and low fee cards, ANZ has an option to suit every need. When you’re comparing ANZ credit cards, start with your goal for getting a credit card in the first place. Are you looking for a card that packs a platinum punch, replete with rewards or frequent flyer points? Or are you after a no-frills option with a great 0% balance transfer or 0% purchase offer? Weigh up the rates, fees and rewards to find the best credit card for your needs before you apply for an ANZ credit card.

Our credit card tools can help you from reviews, comparisons and graphs, all the way to the ANZ credit card application page. ANZ credit card approval time can vary, depending on the information you provide. Let’s take a look into the different types of ANZ credit card offers.

ANZ Frequent Flyer credit cards

The Frequent Flyer range of cards from ANZ enables you to earn Qantas Points on your everyday spend, making them a top choice for those who want to supercharge their Qantas Points balance. The ANZ Frequent Flyer credit card lineup includes the entry-level ANZ Frequent Flyer, the great value ANZ Frequent Flyer Platinum and the top-tier ANZ Frequent Flyer Black.

If you’re looking for an ANZ Qantas card, all three cards come with complimentary Qantas Frequent Flyer membership, which is great value as it saves you the $99.50 membership fee. Each card comes with a bonus Qantas Points offer in line with its position in the range, and you’ll also get more bang for your buck with a higher tier card when it comes to the earn rate. The ANZ Frequent Flyer Platinum and ANZ Frequent Flyer Black come with platinum perks like complimentary insurances when shopping and travelling, while complimentary Personal Concierge service and access to exclusive entertainment and lifestyle offers is available on all three cards.

ANZ Rewards credit cards

ANZ’s Rewards credit cards enable you to earn Reward Points on eligible purchases and are perfect for those who want to maximise their everyday spend. The ANZ Rewards credit card lineup includes the entry-level ANZ Rewards, the great value ANZ Rewards Platinum and the top-tier ANZ Rewards Black.

ANZ Rewards cardholders can also earn additional bonus points when shopping online via the ANZ Bonus Points Mall, with some retailer offers allowing you to earn over 10 Bonus Reward Points per dollar spent. You just need to remember to click via the ANZ Bonus Points Mall link before you start shopping.

Wondering what an ANZ Reward Point is worth? Based on the redemption of a $100 digital gift card from a retailer like Woolworths, Coles, David Jones or Myer, an ANZ Reward Point is worth approximately 0.45 cents. This means you’ll need approximately 222 Reward Points for each dollar you want to redeem. Gift cards typically hold the best redemption value for your Reward Points, but a cashback directly to your card can also be a convenient (albeit slightly less economical option).

ANZ Low Rate or Low Fee credit cards

If you’re looking for a more affordable option and are happy to forgo some of the perks, a low rate or low fee card may be a great option for you. If you’re looking for an ANZ balance transfer offer or a 0% purchase credit card, make sure to check the latest offers on the ANZ First, ANZ Platinum and ANZ Low Rate cards.

An ANZ balance transfer is a great way to get on top of your credit card debt and save on interest charges you may be incurring on another card. Similarly, a 0% purchase card helps you save on interest on purchases for a period of time, which is great for big ticket items.

Are ANZ card compatible with Apple Pay or Google Pay?

Yes, you can use your ANZ card with the top mobile payment systems, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

How do I apply for an ANZ credit card?

You can apply for an ANZ credit card online via our go to offer links above, which will take you directly to the offer you have just reviewed.

What information do I need for an ANZ credit card application?

When you’re ready to apply, these are the details you’ll need to have handy:

  • Australian driver’s licence number (if you have one)
  • Details of your income, expenses, assets and liabilities
  • Two recent pay slips for income verification
  • If you’re self-employed, you’ll need your accountant’s phone number
  • Details of your living expenses, such as regular bills
  • ANZ account number or Customer Registration Number (if you have one)
  • Your email address