based on 27704 ANZ banking product reviews as rated by Mozo community

ANZ credit cards

One of the leading banks in Australia and New Zealand, ANZ offers a wide range of credit cards to suit all its customers. Whether you’re after a rewards program, frequent flyer points or simply a low fee card, ANZ has options for everyone. Plus, ANZ have also been recognised for their premium card benefits for which they took out multiple 2021 Mozo Experts Choice Credit Card Awards.

What credit cards do ANZ offer?

Here’s a quick snapshot of all the different kinds of credit cards that ANZ has to offer:

Rates and fees verified as correct at 21 May 2022. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

Low rate credit cards are a smart way to manage your purchases if you don’t always remember to pay off the total balance. For low standard interest rates on everyday purchases, look at ANZ low rate cards.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

12.49% p.a.

0% p.a. for 30 months and then 21.24% p.a.

$58 $0 in the first year

55

Low fee credit cards

If you’re after a low fee credit card with ANZ, you can choose from cards that that come with a low ongoing annual fee, or one that has $0 annual fee in the first year, as well as Overseas Travel and Medical Insurance.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

0% p.a. for 12 months then 20.24% p.a.

No current offer

$30

55

12.49% p.a.

0% p.a. for 30 months and then 21.24% p.a.

$58 $0 in the first year

55

20.24% p.a.

No current offer

$80

55

20.24% p.a.

No current offer

$95 $0 in the first year

55

Rewards credit cards

With an ANZ rewards card, you can earn flexible Reward Points on everyday purchases and then redeem these points for a number of things such as gift cards, shopping vouchers, hotel bookings or flights, through the ANZ Rewards Program.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.5 points per dollar on Visa, up to $500 per month, then
0.25 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$95

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$425

0.75 points per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$295 $0 in the first year

1 point per dollar on Visa, up to $1,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$80

2 points per dollar on Visa, up to $5,000 per month, then
1 point per dollar on Visa, uncapped

20.24% p.a.

No current offer

$375 $0 in the first year

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$95 $0 in the first year

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$120

Prestige cards

Looking for a premium card that comes with perks like complimentary travel insurance, extended warranty cover, purchase security guarantee and personal concierge? Then you should check out the ANZ Platinum cards for some top notch rewards and features.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$425

0.75 points per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$295 $0 in the first year

0% p.a. for 25 months then 20.24% p.a.

No current offer

$87 $0 when you spend over $20,000 p.a, $0 in the first year

2 points per dollar on Visa, up to $5,000 per month, then
1 point per dollar on Visa, uncapped

20.24% p.a.

No current offer

$375 $0 in the first year

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$95 $0 in the first year

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$120

Frequent flyer credit cards

These are perfect for jetsetters trying to rack up those frequent flyer points with everyday purchases. ANZ offers multiple frequent flyer cards, all of which will help you get closer to that Qantas rewards goal with every eligible purchase.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.5 points per dollar on Visa, up to $500 per month, then
0.25 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$95

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$425

0.75 points per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

No current offer

$295 $0 in the first year

How are ANZ credit cards rated?

Mozo users have rated ANZ credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
ANZ credit cards
Overall
Price
Features
Customer service
Convenience
Trust

6269 Reviews

Recent ANZ credit card reviews

ANZ Credit Card
Overall 7/10
Good, but there could be more.

I find ANZ a very middle ground bank. They have been good to me, although I felt like when I was hacked, I needed to prove that I was not in 3 states at once. ANZ is basic, and I have heard many people say they need to jump through hoops to achieve anything with them.

Read full review

I find ANZ a very middle ground bank. They have been good to me, although I felt like when I was hacked, I needed to prove that I was not in 3 states at once. ANZ is basic, and I have heard many people say they need to jump through hoops to achieve anything with them.

Price
5/10
Features
3/10
Customer service
9/10
Convenience
8/10
Trust
9/10
Less
Zoe, Tasmania, reviewed 24 days ago
ANZ Frequent Flyer
Overall 10/10
Great bank and have never had any problems .

Always had a Visa card with the bank for many years and have never had a problem.

Read full review

Always had a Visa card with the bank for many years and have never had a problem.

Price
10/10
Features
9/10
Customer service
9/10
Convenience
9/10
Trust
10/10
Less
Frank, Queensland, reviewed about 1 month ago
ANZ Low Rate
Overall 2/10
Interest rates

This bank charges some 21%+ on its credit cards with no option for lower interest rates. Other big banks charge lower interest rates, some even down to 9%+. Not ANZ

Read full review

This bank charges some 21%+ on its credit cards with no option for lower interest rates. Other big banks charge lower interest rates, some even down to 9%+. Not ANZ

Price
1/10
Features
1/10
Customer service
1/10
Convenience
6/10
Trust
6/10
Less
James, Queensland, reviewed 3 months ago
ANZ Frequent Flyer Platinum
Overall 2/10
Corporate corruption at its best.

Exceptionally ridiculous interest rates, no customer service Australian bank withe big advertising and using Australian sentiment but with call centres in the Philippines be prepared to wait 45 minutes to an hour to talk to a foreigner. They love to charge overdue fees so wont let you now if your two days late or something else happens I've been in debt to them for 25 years never done me any favours and I've paid them 100,000$ in interest.

Read full review

Exceptionally ridiculous interest rates, no customer service Australian bank withe big advertising and using Australian sentiment but with call centres in the Philippines be prepared to wait 45 minutes to an hour to talk to a foreigner. They love to charge overdue fees so wont let you now if your two days late or something else happens I've been in debt to them for 25 years never done me any favours and I've paid them 100,000$ in interest.

Price
2/10
Features
5/10
Customer service
3/10
Convenience
2/10
Trust
3/10
Less
Peter, New South Wales, reviewed 5 months ago
ANZ Platinum
Overall 3/10
Very average

Typical bank, cold and uncaring.

Read full review

Typical bank, cold and uncaring.

Price
1/10
Features
3/10
Customer service
1/10
Convenience
3/10
Trust
3/10
Less
Ernest, Western Australia, reviewed 5 months ago

What do you need to apply for a ANZ credit card?

After you have compared the different ANZ credit cards and decided the one that’s best for you, you can hit the ‘Go to site’ button on Mozo to reach ANZ’s website directly. Once you get to the website, you’ll see that the application process is actually quite simple and only takes a few minutes. Just fill an online form giving all your contact details and any identity proofs such as a driver’s licence, passport or birth certificate.  

Here’s a quick list of eligibility criteria that you’d need to fulfil to apply for an ANZ credit card:

  • Be at least 18 years of age
  • Be an Australian resident for taxation purposes
  • Earn $15,000 per year, although this condition varies for students and visa holders

Credit card quick links