What credit cards are available at ANZ?
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No interest credit card |
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International travel insurance |
ANZ Black or Platinum customers might be eligible for up to 6 months' complimentary travel insurance when travel costs are charged to the credit card. |
ANZ low rate credit card
If a reasonable interest rate on purchases is a priority for you when choosing a credit card, the ANZ low rate card is likely the most attractive. This card is also available for a balance transfers, with a transfer period of 28 months.
ANZ First
The First card has the lowest annual fee across ANZ’s range of credit cards, at $30. On top of this, that fee is waived for the first year the customer holds the card. The ANZ First card also has a minimum credit limit of $1,000.
This card includes a cashback rewards program, as well as complimentary insurance for shopping.
ANZ Rewards
ANZ offers two rewards cards, Black and Platinum. Both earn ANZ rewards points, which can be exchanged for cashback, airline points and giftcards. Customer who choose either might also get complimentary insurance, for travel and shopping among other things.
This is how the two breakdown:
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ANZ Rewards Black |
ANZ Rewards Platinum |
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Introductory offer |
For spending at least $3,000 on eligible purchases within the first three months, customers can get 180,000 reward points and $150 cashback on the card. |
For spending at least $2,000 on eligible purchases within the first three months, customers can get 80,000 reward points and $50 cashback on the card. |
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Reward points earned |
2 rewards points for every dollar spent up to and including $5,000 in a statement period. |
1.5 rewards points for every dollar spent up to and including $2,000 in a statement period. |
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Minimum credit limit |
$15,000 |
$6,000 |
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Annual fee |
$375 |
$95 (increases to $149 from November 2023) |
Correct as of September 2023
ANZ Credit card review
Who can get a credit card with ANZ?
As with most credit products, customers need to be over 18 to apply for an ANZ credit card. They also need to be a citizen or permanent resident of Australia (or New Zealand), or have more than nine months left on their visa.
ANZ credit card terms
All the above cards have a maximum interest free period of 55 days. Credit limits vary between customers, but must be above the minimum limits. ANZ says it will lower credit limits upon request, but any outstanding amount needs to be paid off before this can happen.
Any person who is over 16 years old can be added as an additional card holder to these products, up to the limit. For the rewards cards, there can be up to 9 card holders, but for more basic products like ANZ First and ANZ low rate, the limit is 3.
ANZ personal instalment plans
ANZ customers can apply for a personal instalment plan to help them manage their repayments, often at a discounted rate. It can be done through the ANZ app, and customers can choose between three, six or twelve month plans. The ANZ website compares the instalment plan to a Buy Now Pay Later service, because it allows customers to defer repayments.
