Gold cards - Credit cards & debit cards

Gold cards

ANZ has a selection of gold credit cards that could suit your needs. Depending on the type of gold credit card you choose, you may receive the benefit of Overseas Travel and Medical Insurance¹ or have the ability to earn Reward Points which can be redeemed for Shopping Vouchers, Gift Cards, Merchandise and frequent flyer programs.

Apply now for a Gold credit card and you can receive a response in 60 seconds. You don’t need to be an ANZ customer to apply for any of the following credit cards.

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Gold Cards

	ANZ Gold	ANZ Rewards Visa Gold	ANZ Frequent Flyer Gold
Rewards	No rewards	Wide selection of rewards³	Qantas Frequent Flyer Points⁴
Benefits	Overseas Travel and Medical Insurance¹	Shopping Vouchers, Gift Cards and Merchandise	Redeem points⁴ towards Qantas flights, holidays and more
Interest free days⁵ on purchases	Up to 55 days	Up to 55 days	Up to 55 days
Interest rate on purchases²	18.49% p.a.	18.99% p.a.	18.99% p.a.
Interest rate on cash purchases²	20.24% p.a.	20.24% p.a.	20.24% p.a.
More information	Find out more	Find out more	Find out more

Terms and conditions are available on application. Fees and charges apply.

All applications for credit are subject to ANZ's credit assessment criteria.

1. Overseas Travel and Medical Insurance is underwritten by American Home Assurance Company trading as AIG Australia (ABN 67 007 483 267). Terms and conditions apply. For more information, please call 13 22 73. 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.

2. The standard variable interest rate for ANZ Gold is 18.49% p.a. on purchases and 20.24% p.a. on cash advances, for ANZ Frequent Flyer Gold is 18.99% p.a. on purchases and 20.24% p.a. on cash advances, for ANZ Rewards Visa Gold the standard variable interest rate is 18.99% p.a. on purchases and 20.24% p.a. on cash advances. These rates are current as at Wednesday, 17 March 2010 and are subject to change.

3. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards Visa – Rewards Program Terms and Conditions (please call 13 22 73 for a copy).

4. Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Reward Terms and Conditions (please call 13 22 73 for a copy). Purchases exclude cash and cash equivalent transactions. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. A joining fee applies. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. This Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Points earn rate on both their ANZ Frequent Flyer American Express card and/or ANZ Frequent Flyer Visa card. Existing customers should call 13 22 73 for information regarding the Points earn rate that applies to their account.

5. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use.

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