based on 27650 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 2020 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 20 September, 2021. 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 20.24% 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 20.24% p.a.

$58 $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

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% p.a. for 17 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

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

6257 Reviews

Recent ANZ credit card reviews

ANZ Credit Card
Overall 10/10
Swift to act to protect its clients.

We have found ANZ to be competitive, fair and have on occasions to act swiftly to rectify a fraudulent use of my credit card, from an overseas hacker.

Read full review

We have found ANZ to be competitive, fair and have on occasions to act swiftly to rectify a fraudulent use of my credit card, from an overseas hacker.

Price
8/10
Features
8/10
Customer service
9/10
Convenience
9/10
Trust
10/10
Less
Victoria, South Australia, reviewed 18 days ago
ANZ Frequent Flyer Platinum
Overall 8/10
great product

Great product. you get travel insurance included.

Read full review

Great product. you get travel insurance included.

Price
7/10
Features
8/10
Customer service
7/10
Convenience
7/10
Trust
7/10
Less
Lucia, Queensland, reviewed 21 days ago
ANZ Credit Card
Overall 1/10
Extremely difficult to deal with.

Stay away

Read full review

Stay away

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Yvette, Queensland, reviewed 26 days ago
ANZ Credit Card
Overall 4/10
Terrible customer service

ANZ support is terrible - if anything goes wrong with your account, you should budget 1+ hour of waiting on hold while you are passed around between operators. Very disappointing experience.

Read full review

ANZ support is terrible - if anything goes wrong with your account, you should budget 1+ hour of waiting on hold while you are passed around between operators. Very disappointing experience.

Price
5/10
Features
7/10
Customer service
1/10
Convenience
1/10
Trust
7/10
Less
Taylor, Queensland, reviewed about 1 month ago
ANZ Credit Card
Overall 1/10
So bloody difficult

We are a generation of impatience. ANZ tested my patience, over and over again. I just don't understand why is the credit card activation so difficult. I had to call ANZ put on hold for 20 mins before I get to speak to customer rep, who confirmed that I successfully set up my credit card PIN. Then I confirmed, if I can now login to the internet banking and app, which he said yes. When I tried it on the App, it locked me out. So, it's either my dear friend rep made a mistake in keying in the PIN or what? It is a regular PIN that I usually use. This entire process is just bizarre. First of all, I do not trust the customer service rep who I am giving my personal information and PIN number to, secondly, why cant ANZ just make the whole registration process easier and more importantly more secured?

Read full review

We are a generation of impatience. ANZ tested my patience, over and over again. I just don't understand why is the credit card activation so difficult. I had to call ANZ put on hold for 20 mins before I get to speak to customer rep, who confirmed that I successfully set up my credit card PIN. Then I confirmed, if I can now login to the internet banking and app, which he said yes. When I tried it on the App, it locked me out. So, it's either my dear friend rep made a mistake in keying in the PIN or what? It is a regular PIN that I usually use. This entire process is just bizarre. First of all, I do not trust the customer service rep who I am giving my personal information and PIN number to, secondly, why cant ANZ just make the whole registration process easier and more importantly more secured?

Price
7/10
Features
5/10
Customer service
1/10
Convenience
1/10
Trust
5/10
Less
Sophie, New South Wales, reviewed about 1 month 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