ANZ Credit Cards
ANZ Bank offers a wide range of credit cards. No matter if you want to apply for your first credit card or you are looking for something better than your current offer, there is a good chance that ANZ can help you out. ANZ offers credit cards in many categories, with the most popular including: platinum, rewards/frequent flyer, and low annual fee/low interest rate. Along with these, they are well known for offering a variety of business credit cards that are ideal for both small and large businesses.
| credit card details | purchase rate (p.a.) | balance transfer (p.a.) | balance transfer period | annual fee | online application |
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| credit card details | purchase rate (p.a.) | balance transfer (p.a.) | balance transfer period | annual fee | online application | |
|---|---|---|---|---|---|---|
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ANZ Low Rate MasterCard Cheap credit card. Save money with the balance transfer & purchases offer. 60 Second decision. |
0% for 3 months (reverts to 13.24%) |
0% | 3 months | $58 | top choiceApplication |
|
ANZ First Visa Credit Card Specifically designed for first time applicants. Low credit limit. Ideal for students. |
0% for 3 months (reverts to 19.24%) |
0% | 3 months | $0 | editor's choiceApplication |
|
ANZ Frequent Flyer Credit Card Earn uncapped Qantas Frequent Flyer points. $1 = 1 QFF point earn rate. Low annual fee. |
19.74% | - | - | $95 | |
|
ANZ Platinum Credit Card Platinum level features with an excellent offer on balance transfers & purcahses. |
0% for 6 months (reverts to 19.24%) |
0% | 6 months | $0 | |
|
ANZ Platinum Frequent Flyer Credit Card Earn uncapped QFF points at the higher earn rate of 1.5 QFF points per $1 spent. |
19.74% | - | - | $295 | |
|
ANZ Rewards Credit Card 5 star Canstar Cannex winner. Uncapped points earning. Get 2 ANZ Rewards points per $1. |
19.74% | - | - | $89 | |
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ANZ Rewards Platinum Credit Card Earn uncapped ANZ Rewards points at the rate of 3 points per $1. Complimentary travel insurance. |
19.74% | - | - | $149 | |
Help with Choosing an ANZ Credit Card
With so many options, choosing a credit card from ANZ can be a task in its own right. Our comparison table does make the job easier though.
Selecting a credit card, regardless of the bank, should start with you assessing your own financial situation. From there, you can ask questions that will help you eliminate offers that do not suit what you are looking for.
- How do I use my credit card? – If you use your card for everyday purchases and regularly carry over a balance, search for a low interest rate offer. On the other hand, if you need a credit card for business, you should stay away from those that are designed for personal use.
- Are rewards important to me? – There is little better than earning points for using a credit card. ANZ offers many reward cards, so you might as well determine if one of these matches your wants and needs.
- What are the requirements? – Like any credit card provider, ANZ has requirements that you must meet. For example, the ANZ Platinum credit card requires an annual income of $50,000. Others will require you to have a higher credit score.
Pros
- Options, options, and more options – Regardless of your personal requirements, there is sure to be at least one credit card from ANZ Bank that suits your needs.
- Extra perks – In addition to the basic benefits of working with ANZ, you will have access to additional perks including: interstate flight inconvenience insurance, extended warranty coverage, 90 day purchase security insurance, and ANZ car rental coverage.
- Annual fee waivers – Many offers come with an annual fee waiver for the first year – as well as subsequent years if you meet certain spending requirements.
Cons
- Some cards have high minimum requirements – With income and credit requirements, there is a good chance that you won’t qualify for every credit card from ANZ, especially the gold and platinum level offers.
- Annual fees – While annual fees associated with ANZ’s credit cards are often waived in the first year, or permanently, work out if you willing to pay an annual fee?