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Best ANZ Credit Cards
Category
Brand
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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
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
- Pros & Cons
- Review Summary
- Specifications
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 Service3.6 (18)
- Rates and Fees3.4 (18)
- Rewards3.5 (6)
- Online Experience3.7 (18)
- Application Process3.8 (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
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
- Pros & Cons
- Review Summary
- Specifications
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 Service3.9 (13)
- Rates and Fees4.2 (13)
- Rewards2.4 (5)
- Online Experience4.0 (12)
- Application Process3.8 (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
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
More details
- Pros & Cons
- Review Summary
- Specifications
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 Service3.5 (23)
- Rates and Fees3.1 (22)
- Rewards3.8 (21)
- Online Experience3.6 (22)
- Application Process3.9 (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
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
More details
- Pros & Cons
- Review Summary
- Specifications
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 Service2.3 (15)
- Rates and Fees2.6 (11)
- Rewards1.8 (5)
- Online Experience2.5 (13)
- Application Process2.1 (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
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
- Pros & Cons
- Review Summary
- Specifications
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 Service3.1 (10)
- Rates and Fees2.3 (10)
- Rewards3.2 (9)
- Online Experience3.1 (10)
- Application Process3.1 (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
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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
- Pros & Cons
- Review Summary
- Specifications
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 Service2.0 (3)
- Rates and Fees2.0 (3)
- Rewards2.0 (2)
- Online Experience2.3 (3)
- Application Process3.5 (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
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
- Pros & Cons
- Review Summary
- Specifications
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 Service2.3 (16)
- Rates and Fees2.2 (16)
- Rewards3.2 (17)
- Online Experience2.2 (16)
- Application Process2.4 (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
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
- Pros & Cons
- Review Summary
- Specifications
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 Service4.8 (6)
- Rates and Fees3.9 (7)
- Rewards4.0 (6)
- Online Experience4.4 (7)
- Application Process4.8 (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
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
- Pros & Cons
- Review Summary
- Specifications
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 Service2.8 (4)
- Rates and Fees3.7 (3)
- Rewards3.7 (3)
- Online Experience3.0 (3)
- Application Process3.3 (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