Compare ANZ Credit Cards Interest Rates & Fees - Best Find

Anz Credit Cards

Rewards Travel Adventures

ANZ's Rewards Travel Adventures has a pruchase rate of 20.24% and a purchase rate of 225 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa) 0.5

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceUp to 180 days International & Domestic

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceYes

Price protectionYes

Extended warrantyYes

Rates & Fees

Maximum free daysUp to 55

Annual fee$225

Purchase rate20.24%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$4 or 2%

Overseas cash advance feeTBA

Other

Minimum card limit$6

Maximum limit$25

Sponsored Yes

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

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Frequent Flyer Platinum

ANZ's Frequent Flyer Platinum has a pruchase rate of 0.1999 and a purchase rate of 295 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa) 0.5

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceUp to 180 days International

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceYes

Price protectionYes

Extended warrantyYes

Rates & Fees

Maximum free daysUp to 55

Annual fee$295

Purchase rate19.99%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$0

Overseas cash advance feeTBA

Other

Minimum card limit$6

Maximum limit$1

Sponsored Yes

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

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ANZ
19.74%
None
Up to 44
$95

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Rewards Platinum

ANZ's Rewards Platinum has a pruchase rate of 0.1974 and a purchase rate of 95 with Up to 44 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa) 0.5

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceUp to 180 days International

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceYes

Price protectionYes

Extended warrantyYes

Rates & Fees

Maximum free daysUp to 44

Annual fee$95

Purchase rate19.74%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$4 or 2%

Overseas cash advance feeTBA

Other

Minimum card limit$6

Maximum limit$25

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

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ANZ
19.74%
None
Up to 55
$375

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Rewards Black

ANZ's Rewards Black has a pruchase rate of 0.1974 and a purchase rate of 375 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa) 1

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceUp to 180 days International

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceYes

Price protectionYes

Extended warrantyYes

Rates & Fees

Maximum free daysUp to 55

Annual fee$375

Purchase rate19.74%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$4 or 2%

Overseas cash advance feeTBA

Other

Minimum card limit$15

Maximum limit$1

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

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ANZ
18.79%
None
Up to 55
$80

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Rewards

ANZ's Rewards has a pruchase rate of 0.1879 and a purchase rate of 80 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa) 0.5

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceNo

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyYes

Rates & Fees

Maximum free daysUp to 55

Annual fee$80

Purchase rate18.79%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$4 or 2%

Overseas cash advance feeTBA

Other

Minimum card limit$1

Maximum limit$1

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

Hide info ˄

ANZ
19.74%
0%
Up to 55
$87

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Platinum

ANZ's Platinum has a pruchase rate of 0.1974 and a purchase rate of 87 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 16 months

Balance transfer reverts to 19.74%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee 2%

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceUp to 182 days International

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceYes

Price protectionYes

Extended warrantyYes

Rates & Fees

Maximum free daysUp to 55

Annual fee$87

Purchase rate19.74%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$0

Overseas cash advance feeTBA

Other

Minimum card limit$6

Maximum limit$1

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

Hide info ˄

Low Rate Platinum

ANZ's Low Rate Platinum has a pruchase rate of 0.1149 and a purchase rate of 99 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 16 months

Balance transfer reverts to 11.49%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee 2%

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceUp to 182 days International

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceYes

Price protectionYes

Extended warrantyYes

Rates & Fees

Maximum free daysUp to 55

Annual fee$99

Purchase rate11.49%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$0

Overseas cash advance feeTBA

Other

Minimum card limit$6

Maximum limit$1

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

Hide info ˄

ANZ
12.49%
0%
Up to 55
$58

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Low Rate

ANZ's Low Rate has a pruchase rate of 0.1249 and a purchase rate of 58 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 16 months

Balance transfer reverts to 12.49%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee 2%

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceNo

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

Rates & Fees

Maximum free daysUp to 55

Annual fee$58

Purchase rate12.49%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$4 or 2%

Overseas cash advance feeTBA

Other

Minimum card limit$1

Maximum limit$25

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

Hide info ˄

Frequent Flyer Black

ANZ's Frequent Flyer Black has a pruchase rate of 0.1999 and a purchase rate of 425 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa) 0.5

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceUp to 180 days International

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceYes

Price protectionYes

Extended warrantyYes

Rates & Fees

Maximum free daysUp to 55

Annual fee$425

Purchase rate19.99%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)2%

Overseas cash advance feeTBA

Other

Minimum card limit$15

Maximum limit$1

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

Hide info ˄

ANZ
19.99%
None
Up to 44
$95

Expand info ˅

Frequent Flyer

ANZ's Frequent Flyer has a pruchase rate of 0.1999 and a purchase rate of 95 with Up to 44 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa) 0.25

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceNo

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyYes

Rates & Fees

Maximum free daysUp to 44

Annual fee$95

Purchase rate19.99%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$4 or 2%

Overseas cash advance feeTBA

Other

Minimum card limit$1

Maximum limit$1

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

Hide info ˄

ANZ
21.49%
0%
Up to 44
$30

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First

ANZ's First has a pruchase rate of 0.2149 and a purchase rate of 30 with Up to 44 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 16 months

Balance transfer reverts to 21.49%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee 2%

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceNo

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyYes

Rates & Fees

Maximum free daysUp to 44

Annual fee$30

Purchase rate21.49%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$4 or 2%

Overseas cash advance feeTBA

Other

Minimum card limit$1

Maximum limit$25

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

Hide info ˄

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ANZ Credit Card Comparison

Did you know you can compare 100s of credit cards? Review, view interest rates, calculate fees, apply online and save by visiting our main credit cards comparison page.

Compare and review ANZ credit cards

Save time and compare all the credit cards offered by ANZ in one go! There is no shortage of credit card products to choose from. It all comes to your specific needs and desires.

What credit card options does ANZ offer?

ANZ has 11 credit card products:

  • ANZ Rewards Credit Card
  • ANZ Rewards Travel Adventures Credit Card
  • ANZ Rewards Platinum Credit Card
  • ANZ Rewards Black Credit Card
  • ANZ Frequent Flyer Platinum Credit Card
  • ANZ Platinum Credit Card
  • ANZ Low Rate Credit Card
  • ANZ Low Rate Platinum Credit Card
  • ANZ Frequent Flyer Credit Card
  • ANZ Frequent Flyer Black Credit Card
  • ANZ First Credit Card

View the above table for detailed product information and a comparison of the purchase rate, transfer rate, maximum free days and annual fees.

You can also review and compare ANZ personal loansANZ home loans and ANZ car loans.

How to apply for an ANZ credit card?

If you’d like to apply online for an ANZ credit card, just scroll up and click on “Learn more” to be taken to ANZ’s secure online application form. Before you apply, be sure to learn about ANZ’s credit card products, fees and eligibility criteria. Give yourself around 30 minutes to complete the credit card application.

ANZ’s credit card eligibility criteria

Before you apply for a credit card, be sure to understand and meet the ANZ’s eligibility criteria. Below is high-level overview of ANZ’s criteria:

ANZ’s minimum requirements for a car loan

  • Minimum age of 18
  • Earn the minimum annual income requirement
  • Have a good credit rating
  • You’re an Australian citizen, a permanent Australian resident or a valid work visa holder (457 or other diplomatic visas)

Information you’ll need to provide

Whether at the ANZ branch or online, make sure to have the following details and documents nearby:

  • Employment information: Your annual income and savings account statements. Your current employer’s name, contact name and phone number
  • Liabilities & debts: Your ongoing expenses such as day to day living expenses (think child care, food, transport costs) and any other credit cards you may have.
  • Personal Information: Proof of ID (Driver License or ID card), contact information and address

Are you self-employed?

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year (no older than 18 months)
  • Your most recent personal/business tax return (no older than 18 months)
  • You may need to provide your accountant’s contact details

Other things to keep mind when applying

  • Approval time takes between 0 hours (instantaneous) and 10 business days
  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • Other credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your ANZ credit card

There are many additional factors ANZ consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!

Smart ways you can use your ANZ credit card

Credit Cards are a smart way to buy goods and services, and allow you to cover unexpected expenses as well as build up your financial reputation.

Here are some tips on how to make good use of your ANZ credit card:

  • Always pay your credit card on time
  • Set a credit limit that works for you, not for the bank
  • Regularly check your credit card statement
  • Never contract an additional credit card with another bank to make ends meet
  • Check the terms and conditions very carefully. Yes, read the fine print!
  • If you need to cancel your credit card, ask your bank their process to do so