ANZ

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Credit Cards & Visa Debit

Apply For a Card

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Apply online and receive a response in 60 seconds!

To apply, simply select the credit card that is right for you and we will take you directly to the online application form. The online application will take you about 10-15 minutes to complete.

Find out what details you will need to apply online

Which ANZ Credit Card should you apply for?

At ANZ, we'll do whatever it takes to help you choose a card that's right for your needs. Whether you're looking for a low interest rate, low annual fee, rewards, or you want the world at your feet with special privileges and upgrades. You can even choose a Visa debit card and use your own funds anywhere Visa is accepted.

The following summary will guide you to the credit card of your choice.

Credit card comparison table

Products Total Annual Fee Interest rate %p.a.1 Balance Transfer5 Rewards Insurance
ANZ First Visa $30 19.24% p.a. 7.99% p.a.
for the first 6 months		 Insurance features7
ANZ Low Rate MasterCard® $58 12.41% p.a.
(purchases)
20.41% p.a.
(cash advance)		 0% p.a.
for the first 6 months
ANZ Balance Visa $792 13.41% p.a.
(purchases)
20.41% p.a.
(cash advance)		 - Rewards
ANZ Gold $87 19.24% p.a. - Insurance features6,7
ANZ Rewards Visa $483 19.99% p.a. - Rewards
ANZ Rewards Visa Gold $793 19.99% p.a. - Rewards
ANZ Frequent Flyer Visa $954 19.99% p.a. - Rewards
ANZ Frequent Flyer Visa Gold $1504 19.99% p.a. - Rewards
ANZ Frequent Flyer Visa Platinum $1954 19.99% p.a. - Rewards Insurance features8

Debit Card Applications

If you want all of the benefits of using a credit card while accessing your savings, then get the ANZ Everyday Visa Debit Card. A credit application is not necessary, and the debit card allows you to shop online and over the phone at more than 24 million outlets around the world. Open an ANZ Everyday VISA Debit account.

ANZ Credit Card Selector

Still not sure which credit card to apply online for? ANZ Credit Card selector tools and Calculators may help you find the card that is right for you.

ANZ Credit Card Application Requirements

ANZ Credit Card Requirements

  • You are over 18 years of age.
  • You have a good credit rating.
  • You are a permanent Australian resident, earning a minimum annual income of $15,000 if applying for an ANZ Credit Card. If you require a Gold Card or you are a non-permanent Australian resident, you must earn a minimum annual income of $50,000.

Information required to complete an Online Credit Card Application

Please ensure you have all the information required before starting, including:

  • Your email address, to receive a response in 60 seconds.
  • Australian Driver's licence (if applicable).
  • Your employer's address and contact number (as listed in the White Pages).
  • Your accountant's name and contact number (if self employed).
  • Details of your income, assets and liabilities.

We will offer you a credit limit based on the information you provide us, so it is important to provide us with as much information as possible.

What happens after you apply online?

  • You should receive a response in 60 seconds and an online application reference number.
  • Once approved, you will usually receive your card and welcome kit within five business days.
  • When you receive your card you will need to activate your card before you commence using it. A PIN advice will be mailed 2 business days after the card is issued, and you will have a choice of verifying your credit purchase with either a PIN or a signature at the point of sale.
  • You can manage your account through ANZ Phone Banking, ANZ Internet Banking or ANZ Mobile Phone Banking. Register for ANZ Phone Banking to obtain Customer Registration Number & Telecode, which will also allow you to also manage your card through ANZ Internet Banking.

If you have any problems with your online application call us on 13 33 33 from 8:00 am to 8:00 pm AEST, Monday to Friday and quote your online application reference number.

What do you need to do if your application gets approved and you are a new ANZ customer?

As a new ANZ customer, you will need to complete a 100 point check. We request that you visit any ANZ branch and provide personal identification to the value of 100 points. The following documents are suggested:

Document Points
Passport or Birth Certificate or Citizenship Certificate1 70 points
Driver's license or permit containing photo or signature 40 points
Acceptable ID card containing photo and/or signature2 40 points
Utility bill (eg telephone, water, electricity, gas) 25 points
Credit card with signature 25 points
Medicare card 25 points

1Only one of these documents may be used.
2Includes Social Security, health care or Pension card; tertiary education institution ID card; government authority or public service employee ID card.

If you do not want to apply online?

Simply call us on 13 33 33 from 8:00 am to 10:00 pm AEST, Monday to Friday and from 10:00 am to 6:00 pm AEST on weekends or visit any ANZ branch.To find your local branch visit our online ANZ Branch Locator.


All applications for credit are subject to ANZ's credit assessment criteria.
Terms and Conditions available on application. Fees and charges apply.

1 Rates as at Tuesday, 18 November 2008 and subject to change.

2 Includes a $22 Rewards Program Services Fee, which applies per card issued under your account. An annual $10 Additional Cardholder Fee also applies for each additional card.

3 ANZ Rewards Visa a Total Annual Fee of $48 applies which includes $22 Rewards Program Services Fee, the latter is charged per card issued under the account. For ANZ Rewards Visa Gold a Total Annual Fee of $79 applies which includes a $22 Rewards Program Services Fee, charged per card issued under the account.

4 ANZ Frequent Flyer Visa: a Total Annual Fee of $95 applies which includes $40 Annual Account Fee (plus $10 for each additional card) and a $55 Rewards Program Services Fee per card issued under your account. For ANZ Frequent Flyer Visa Gold a total annual fee of $150 applies which includes $95 Annual Account Fee (plus $10 for each additional card) and a $55 Rewards Program Services Fee per card issued under your account. For ANZ Frequent Flyer Visa Platinum a Total Annual Fee of $195 applies which includes $140 Annual Account Fee (plus $10 for each additional card) and a $55 Rewards Program Services Fee per card issued under your account.

5 Balance transfer rates shown are as at Tuesday, 18 November 2008 and subject to change, including as a result of special offers. Not applicable when you transfer and close an existing ANZ credit card. The balance transfer must be completed at the time of applying for, or at the time of activating your new credit card. The balance transfer interest rate reverts to the standard variable interest rate applicable to purchases on your card after the period referred to in the "Balance Transfer" column of the above table from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate applicable to purchases. Interest accrues on balance transfers from the date the transfer is processed by ANZ. ANZ will not be liable for any loss or damage whatsoever resulting form a delay in the process of receiving and or approving applications.

6 Overseas Travel and Medical Insurance is underwritten by American Home Assurance Company trading as AIG Australia (ABN 67 007 483 267). To be eligible for ANZ Gold Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your ANZ Gold prior to departing Australia, and have a return ticket to Australia within four months of departure and be under 80 years of age. For more information refer to the ANZ Credit Card Insurance Features booklet (PDF, 200kb)

7 90 Day Purchase Security Insurance and Extended Warranty insurance are underwritten by Zurich Australian Insurance Limited.

8 Overseas Travel and Medical Insurance is underwritten by American Home Assurance Company trading as AIG Australia (ABN 67 007 483 267). To be eligible for ANZ Frequent Flyer Visa Platinum Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your ANZ Frequent Flyer Visa Platinum prior to departing Australia, and have a return ticket to Australia within six months of departure and be under 80 years of age. For more information refer to the ANZ Frequent Flyer Visa Platinum Insurance Policy Information booklet (PDF, 500 KB).

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation (DUNS) ABN 074 664 715. ANZ's colour blue is a trademark of ANZ.

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