ProductReview.com.au logo

Best ANZ Credit Cards

Category
Brand
Search brand...
Rating
Card Type
Purchase RateAt least 12.49% p.a.
12.49% p.a.
Annual FeeAt most $425.00 p.a.
$425.00 p.a.
Interest Free Period
Benefits
Show more
Minimum Credit Limit At least $1,000.00
$1,000.00
Rewards Program
Points Earn Rate At least 0.5 points per $1
0.5 points per $1
Introductory Rate Period At least 12 months
12 months
Sign-Up Bonus PointsAt least 25,000
25,000
Contactless Payments
9 listings
ANZ Platinum
Balance Transfer Credit Cards

ANZ Platinum

3.4 from 27 reviews
Purchase Rate20.24% p.a.
Annual Fee$87.00 p.a.
Interest Free Period 55 days
0% p.a. for 25 months on purchases and $0 Annual Fee in the first year
Ongoing Annual Fee Waiver: $0 if you make $20,000 in eligible purchases on the card in 12 months
Complimentary Overseas Travel Insurance and Purchase Security Insurance
Add up to 9 Additional Cardholders at no additional cost
2% Balance Transfer Fee
3% International Transaction Fee
No attached rewards program
  • Transparency
    3.6 (16)
  • Customer Service
    3.6 (18)
  • Rates and Fees
    3.4 (18)
  • Rewards
    3.5 (6)
  • Online Experience
    3.7 (18)
  • Application Process
    3.8 (14)
  • Foreign Transaction Fee 3%
  • BenefitsComplimentary Travel Insurance, Introductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000.00
  • Minimum Income $35,000.00
  • Introductory Rate 0% p.a. for the first 17 months
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ Low Rate
Low Rate Credit Cards and Balance Transfer Credit Cards

ANZ Low Rate

3.1 from 37 reviews
Purchase Rate12.49% p.a.
Annual Fee$58.00 p.a.
Interest Free Period 55 days
Low Interest Rate of 12.49% p.a. on purchases
$0 Annual Account Fee in First Year, $58 in subsequent years
0% on Balance Transfers for 30 months with no Balance Transfer Fee
Up to 3 Additional Cardholders at no additional cost
3% Foreign Transaction Fee
  • Transparency
    4.0 (13)
  • Customer Service
    3.9 (13)
  • Rates and Fees
    4.2 (13)
  • Rewards
    2.4 (5)
  • Online Experience
    4.0 (12)
  • Application Process
    3.8 (10)
  • Foreign Transaction Fee 3%
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $1,000.00
  • Minimum Income $15,000.00
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay and Google Pay
ANZ Rewards
Rewards Credit Cards

ANZ Rewards

2.7 from 58 reviews
Purchase Rate20.24% p.a.
Annual Fee$80.00 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points50,000

1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period
Up to 55 interest free days on purchases
3% Overseas Transaction Fee
Lower earn rate of 0.5 Reward Points per $1 after the first $1,000 per statement period
  • Transparency
    3.6 (24)
  • Customer Service
    3.5 (23)
  • Rates and Fees
    3.1 (22)
  • Rewards
    3.8 (21)
  • Online Experience
    3.6 (22)
  • Application Process
    3.9 (17)
  • Foreign Transaction Fee 3%
  • Minimum Credit Limit $1,000.00
  • Minimum Income $15,000.00
  • Rewards ProgramANZ Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ First
Balance Transfer Credit Cards

ANZ First

2.9 from 34 reviews
Purchase Rate20.24% p.a.
Annual Fee$30.00 p.a.
Interest Free Period 55 days
Low $30 Annual Fee
0% p.a. for 12 months on purchases
Low minimum credit limit of $1,000
Up to 3 additional cardholders at no additional cost
20.24% Balance Transfer Rate & 2% Balance Transfer Fee
3% Foreign Transaction Fee
  • Transparency
    2.3 (14)
  • Customer Service
    2.3 (15)
  • Rates and Fees
    2.6 (11)
  • Rewards
    1.8 (5)
  • Online Experience
    2.5 (13)
  • Application Process
    2.1 (10)
  • Foreign Transaction Fee 3%
  • BenefitsIntroductory Interest Rate
  • Minimum Credit Limit $1,000.00
  • Minimum Income $15,000.00
  • Rewards ProgramANZ Rewards
  • Introductory Rate 0% pa. for the first 12 months
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ Frequent Flyer Platinum
Frequent Flyer & Travel Credit Cards

ANZ Frequent Flyer Platinum

2.7 from 18 reviews
Purchase Rate19.99% p.a.
Annual Fee$295.00 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points75,000

75,000 bonus Qantas Points and $150 back when you spend $2,500 in the first 3 months
0.75 points per $1 for the first $3,000 each statement period
Travel insurance and shopping insurance available
Points earn rate reduced to 0.5 after $3,000 per statement period
$295 annual fee, plus $65 for additional cardholders
  • Transparency
    3.1 (10)
  • Customer Service
    3.1 (10)
  • Rates and Fees
    2.3 (10)
  • Rewards
    3.2 (9)
  • Online Experience
    3.1 (10)
  • Application Process
    3.1 (9)
  • BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000.00
  • Minimum Income $35,000.00
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay

Related Articles

Previous
Super Funds Awards 2022!

A good super fund can make a substantial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the top-rated super funds of 2022.

Wendy Z.
Wendy Z.
super-funds-awards-2020
What you need to know about store finance credit cards

A store credit card can help if you need to make an emergency purchase but you don’t have the money. Read on to learn how store credit cards work and discover what to watch out for.

Avleen M.
Avleen M.
what-you-need-to-know-about-store-finance-credit-cards
Credit Card Awards 2020

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the top-rated credit cards this year, as decided by ProductReview.com.au reviewers.

Wendy Z.
Wendy Z.
credit-card-awards-2020
Next
ANZ Frequent Flyer
Frequent Flyer & Travel Credit Cards

ANZ Frequent Flyer

2.3 from 28 reviews
Purchase Rate20.24% p.a.
Annual Fee$95.00 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points25,000

Accessible $1,000 minimum credit limit
Complimentary Qantas Frequent Flyer Membership
Low points earn rate (0.5 per $1 up to $500, 0.25 per $1 above $500 per statement period)
$65 additional cardholder fee
  • Transparency
    2.0 (3)
  • Customer Service
    2.0 (3)
  • Rates and Fees
    2.0 (3)
  • Rewards
    2.0 (2)
  • Online Experience
    2.3 (3)
  • Application Process
    3.5 (2)
  • Foreign Transaction Fee 3%
  • Minimum Credit Limit $1,000.00
  • Minimum Income $15,000.00
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ Frequent Flyer Black
Frequent Flyer & Travel Credit Cards and Rewards Credit Cards

ANZ Frequent Flyer Black

2.1 from 20 reviews
Purchase Rate20.24% p.a.
Annual Fee$425.00 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points130,000

130,000 Bonus Qantas Points & $255 back on offer
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period
Complimentary Travel and Shopping Insurances
Two complimentary Qantas Club Lounge invitations every year
$425 Annual Fee
Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $7,500 per statement period
3% Foreign Transaction Fee
Minimum Credit Limit of $15,000 may be too high for you
  • Transparency
    2.4 (15)
  • Customer Service
    2.3 (16)
  • Rates and Fees
    2.2 (16)
  • Rewards
    3.2 (17)
  • Online Experience
    2.2 (16)
  • Application Process
    2.4 (14)
  • Foreign Transaction Fee 3%
  • BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000.00
  • Minimum Income $75,000.00
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ Rewards Black
Rewards Credit Cards

ANZ Rewards Black

3.7 from 9 reviews
Purchase Rate20.24% p.a.
Annual Fee$375.00 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points130,000

180,000 bonus Reward Points on offer
$0 Annual Fee in the first year
Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period (1 Reward Point per $1 thereafter)
Complimentary Travel and Shopping Insurances, including Overseas Travel and Medical Insurance
$375 Annual Fee
3% Foreign Transaction Fee
Minimum Credit Limit of $15,000 may be too high for you
  • Transparency
    4.6 (5)
  • Customer Service
    4.8 (6)
  • Rates and Fees
    3.9 (7)
  • Rewards
    4.0 (6)
  • Online Experience
    4.4 (7)
  • Application Process
    4.8 (4)
  • Foreign Transaction Fee 3%
  • BenefitsCashback Offer, Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000.00
  • Minimum Income $75,000.00
  • Rewards ProgramANZ Rewards
  • Points Earn Rate 2 points per $1
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ Rewards Platinum
Rewards Credit Cards

ANZ Rewards Platinum

2.4 from 5 reviews
Purchase Rate20.24% p.a.
Annual Fee$95.00 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

50,000 Bonus Reward Points on offer
$0 Annual Fee in the first year
Earn 1.5 Reward Points per $1 spend on eligible purchases up to $2,000 per statement period
Complimentary Travel and Shopping Insurances, including Overseas Travel and Medical Insurance
$95 Annual Fee
3% Foreign Transaction Fee
Points Earn Rate drops to 0.5 Reward Points per $1 spent after the first $2,000 per statement period
  • Transparency
    2.8 (4)
  • Customer Service
    2.8 (4)
  • Rates and Fees
    3.7 (3)
  • Rewards
    3.7 (3)
  • Online Experience
    3.0 (3)
  • Application Process
    3.3 (3)
  • Foreign Transaction Fee 3%
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000.00
  • Minimum Income $35,000.00
  • Rewards ProgramANZ Rewards
  • Points Earn Rate 1.5 points per $1
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay

©  ProductReview.com.au Pty. Ltd. All Rights Reserved. General disclaimer: All third party trademarks, images and copyrights on this page are used for the purpose of comparative advertising, criticism or review. This is a public forum presenting user opinions on selected products and businesses, and as such the views expressed do not reflect the opinion of ProductReview.com.au. Further details in the disclaimer.