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Low Rate

Current offer: 0% p.a. for the first 16 months on balance transfers (2% Balance Transfer Fee applies).1

ANZ Low Rate
ANZ Low Rate Mastercard

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Low loading product data(View current rates) interest rate on purchases1

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ANZ Low Rate Platinum
ANZ Low Rate Platinum

ANZ Low Rate Platinum

Low loading product data(View current rates) interest rate on purchases1 plus platinum benefits

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Low Fee

Current offer: 0% p.a. for the first 16 months on balance transfers (2% Balance Transfer Fee applies).1

ANZ First
ANZ First

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An everyday credit card with a low $30 annual fee

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ANZ Platinum
ANZ Platinum

ANZ Low Rate Platinum

First year annual account fee waiver8plus platinum benefits

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Rewards

ANZ Rewards

ANZ Rewards

25,000 Reward Points when you spend $2,500 on purchases in first 3 months and no annual fee for first year.2

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ANZ Rewards Platinum

ANZ Rewards Platinum

50,000 Reward Points when you spend $5,000 on purchases in first 3 months and no annual fee for first year.3

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ANZ Rewards Platinum

ANZ Rewards Black

ANZ Rewards black

75,000 Reward Points when you spend $7,500 on purchases in first 3 months and no annual fee for first year.4

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Frequent Flyer

ANZ Frequent Flyer


ANZ Frequent Flyer

25,000 Qantas Points when you spend $2,500 on purchases in first 3 months and no annual fee for first year.5

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ANZ Frequent Flyer Apply Now

ANZ Frequent Flyer Platinum

ANZ Frequent Flyer Platinum

50,000 Qantas Points when you spend $5,000 on purchases in first 3 months and no annual fee for first year.6
 

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ANZ Low Rate Platinum

ANZ Frequent Flyer Black

ANZ Frequent Flyer Black

75,000 Qantas Points when you spend $7,500 on purchases in first 3 months and no annual fee for first year.7


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Find the card that's right for you

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Existing cardholder centre - Offers, hints and tips for existing ANZ credit card holders.

1. Offer only available to new and approved credit card applicants who apply for an ANZ First, ANZ Platinum, ANZ Low Rate or ANZ Low Rate Platinum credit card account with the balance transfer. This is a limited time only offer which may be withdrawn or changed at any time without notice. Offer available in respect of balances transferred from non-ANZ credit and store card accounts only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. The offer must be requested at the time of applying for the credit card. The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 2% of the balance transferred and will be applied at the time the balance is transferred and form part of the Promotional Plan balance. The Promotional Plan annual percentage interest rate expires 16 months after the date the credit card application is approved, and after the first 16 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is loading product data(View current rates) for ANZ First, loading product data(View current rates) for ANZ Platinum, loading product data(View current rates) for ANZ Low Rate and loading product data(View current rates) for ANZ Low Rate Platinum as at loading product data(View current rates) and is subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use.

2. Offer available to new and approved applicants who apply for an ANZ Rewards credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer.  Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases (excluding fees, cash, cash equivalent transactions, balance transfers and premiums for ANZ credit card insurance) within three months of approval to receive the bonus Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.  The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at loading product data(View current rates) and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account. 

3. Offer available to new and approved applicants who apply for an ANZ Rewards Platinum credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer.  Your application must be approved and you must activate the card and make $5,000 worth of eligible purchases (excluding fees, cash, cash equivalent transactions, balance transfers and premiums for ANZ credit card insurance) within three months of approval to receive the bonus Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.  The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards Platinum a Total Annual Fee of $149 applies, which includes a $94 Annual Account Fee and a $55 Rewards Program Service Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at loading product data(View current rates) and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.  

4. Offer available to new and approved applicants who apply for an ANZ Rewards Black credit card account.  This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer.  Your application must be approved and you must activate the card and make $7,500 worth of eligible purchases (excluding fees, cash, cash equivalent transactions, balance transfers and premiums for ANZ credit card insurance) within three months of approval to receive the bonus Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Black credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards Black a Total Annual Fee of $375 applies, which includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at loading product data(View current rates) and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

5. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer credit card account.This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous 12 months.  This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases (excluding fees, cash, cash equivalent transactions, balance transfers and premiums for ANZ credit card insurance) within three months of approval to receive the bonus Qantas Points. The bonus Qantas Points will be credited to your ANZ account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Frequent Flyer a Total Annual Fee of $95 applies which includes a $40 Annual Account Fee and a $55 Rewards Program Services Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as loading product data(View current rates) and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

6. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous twelve months.  This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $5,000 worth of eligible purchases (excluding fees, cash, cash equivalent transactions, balance transfers and premiums for ANZ credit card insurance) within three months of approval to receive the bonus Qantas Points. The bonus Qantas Points will be credited to your ANZ account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer Platinum credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Frequent Flyer Platinum, a Total Annual Fee of $295 applies which includes a $240 Annual Account Fee and a $55 Rewards Program Services Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as loading product data(View current rates) and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

7. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Black credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous twelve months.  This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $7,500 worth of eligible purchases (excluding fees, cash, cash equivalent transactions, balance transfers and premiums for ANZ credit card insurance) within three months of approval to receive the bonus Qantas Points. The bonus Qantas Points will be credited to your ANZ account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Frequent Flyer Black, a Total Annual Fee of $425 applies which includes a $370 Annual Account Fee and a $55 Rewards Program Services Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as loading product data(View current rates) and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

8. The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the first year. In each subsequent year, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. Eligible Purchases must be made in the year prior to your next Fee Date. Your Fee Date is the date that your account is assessed for charging an Annual Fee. If your account has not previously been charged an Annual Fee then for the purpose of determining your eligibility for the waiver, your Fee Date is the first date that your account is assessed for charging an Annual Fee. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of Eligible Purchases in the year prior to your Fee Date the Annual Fee will be charged to your account. 

American Express is a registered trademark of American Express. ANZ American Express cards are issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express.

Terms and conditions are available on application.

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