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Offer 120,000 bonus Qantas Points and $275 back

to your new ANZ Frequent Flyer Black credit card

When you spend $4,000 on eligible purchases in the first 3 months from approvaldisclaimer

 Apply now Learn more

It only takes around 5 minutes to apply.

Eligibility criteria, T&Cs, fees and charges apply (including an annual fee of $425).

Choose from our 10 credit cards below

Rewards cards

Earn flexible Reward Pointsdisclaimer on your everyday purchases and have the flexibility to redeem for a wide range of rewards including gift cards, merchandise and cashbackdisclaimer.
See points, fees, rates and benefits

ANZ Rewards Travel

The credit card that gets you travelling now and in the future also gives you access to a flexible Rewards program and complimentary insurancesdisclaimer.

OFFER

Enjoy a complimentary return domestic flight each yeardisclaimerwith Virgin Australia until the card is cancelled. Spend $500 on eligible purchases in the first 3 months. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $225).

ANZ Rewards Platinum credit card

Be rewarded for your everyday purchasesdisclaimer and access a flexible Rewards program with complimentary insurancesdisclaimer and Personal Concierge.

OFFER

100,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months from approval.disclaimerT&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $95)

ANZ Rewards Black credit card

Our highest Reward Pointsdisclaimer earning potential, uncapped flexible rewards, plus access to exclusive events and privileges.

OFFER

150,000 bonus Reward Points when you spend $4,000 on eligible purchases in the first 3 months from approval.disclaimer T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $375).

ANZ Rewards credit card

Be rewarded for your everyday purchasesdisclaimer and have the flexibility to redeem points for rewards ranging from gift cards to cashbackdisclaimer and travel.

OFFER

50,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval.disclaimerT&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $80).

Low Fee cards

These credit cards have some of our lowest ongoing Annual Account Fees.
See fees, rates and benefits

ANZ Platinum card

A simple everyday credit card with $0 annual fee in the first yeardisclaimer and complimentary insurancesdisclaimer.

OFFER

0% p.a. for 18 months on balance transfers (2% Balance Transfer Fee applies)disclaimer Reverts to standard balance transfer rate currently disclaimer T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $0 for first year, $87 thereafter).

ANZ First card

A simple credit card with a low ongoing annual fee.disclaimer

OFFER

0% p.a. for 18 months on balance transfers (2% Balance Transfer Fee applies)disclaimer Reverts to standard balance transfer rate currently disclaimer T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $30).

Low Rate card

ANZ Low Rate credit card with our low  standard interest rate on eligible purchases.disclaimer
See fees, rates and benefits


ANZ Low Rate card

A credit card with a low ongoing interest rate for your everyday purchases.disclaimer

OFFER

0% p.a. for 22 months on balance transfers (1.5% Balance Transfer Fee applies).disclaimer Reverts to standard balance transfer rate, currently disclaimer T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $0 for the first year, $58 thereafter).disclaimer

ANZ Frequent Flyer cards

Earn Qantas Pointsdisclaimer when you make eligible purchases, automatically credited to your Qantas Frequent Flyer account every month. Start planning your trip!
See points, fees, rates and benefits

Frequent Flyer Black credit card

Our most rewarding Qantas experience with uncapped Qantas Pointsdisclaimer earning.

OFFER

120,000 bonus Qantas Points and $275 back to your new ANZ Frequent Flyer Black, when you spend $4,000 on eligible purchases in the first 3 months from approval.disclaimerT&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425).

ANZ Frequent Flyer Platinum card

Earn more Qantas Pointsdisclaimer on everyday purchases with complimentary insurancesdisclaimer and Personal Concierge.

OFFER

50,000 bonus Qantas Points and $195 back to your new ANZ Frequent Flyer Platinum, when you spend $2,000 on eligible purchases in the first 3 months from approval.disclaimer T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $295).

ANZ Frequent Flyer card

Earn Qantas Pointsdisclaimer on your everyday purchases.

OFFER

25,000 bonus Qantas Points when you spend $1,000 on eligible purchases in the first 3 months from approval.disclaimer T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $95).  

Not sure which credit card is right for you?

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

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. Not available where you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $4,000 worth of eligible purchases within three months of approval to receive the bonus Qantas Points and have the $275 credited to your credit card account. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.67MB), for example fees, cash, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The bonus Qantas Points will be credited to your Qantas account and the $275 will be credited to your credit card account within three months of the eligible spend criteria being met. The $275 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the $275 credit and bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $275 credit and bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. 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.

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Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB) (please call13 13 14 for a copy). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB), e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points.

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When you redeem your Reward Points for ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black account within 5 business days.

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Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Premium Cards – Insurances, Insurance Policy Information booklet (PDF 276kB) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. 

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Offer available to ANZ Rewards Travel Adventures primary cardholders who have made $500 of net eligible purchases within three months of approval. One complimentary flight is available to the primary cardholder each year until the card is cancelled. Complimentary flights are restricted to selected economy fare class on flights operated by Virgin Australia to selected domestic destinations. Bookings are subject to availability and some flights may not have complimentary seats available. Flights must be booked at least 60 days in advance. Not to be combined with any other offer, discount or cabin class upgrades. Fees may apply for excess baggage, booking changes and cancellations. The complimentary flight is not eligible for Velocity Points and/or Status Credits earn. The Air Travel Benefit Terms (PDF 56kB) and the Virgin Australia Terms and Conditions of Carriage apply. Eligible purchases are described in the Air Travel Benefit Terms - for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases.

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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. Not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card, or have closed, or qualified for bonus Reward Points on, any of those ANZ Rewards credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases within 3 months of approval to receive the bonus Reward Points. Eligible purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 468kB), for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. The bonus Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum credit card account before the bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before bonus Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. 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.

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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. Not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card, or have closed, or qualified for bonus Reward Points on, any of those ANZ Rewards credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $1,000 worth of eligible purchases within 3 months of approval to receive the bonus Reward Points. Eligible purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 468kB), for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. The bonus Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards credit card account before the bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before bonus Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. 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.

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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. Not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card, or have closed, or qualified for bonus Reward Points on, any of those ANZ Rewards credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $4,000 worth of eligible purchases within 3 months of approval to receive the bonus Reward Points. Eligible purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 468kB), for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. The bonus Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Black credit card account before the bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before bonus Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. 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.

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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. The Annual Fee is currently $87 but is subject to change. 

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Offer only available to new and approved credit card applicants who apply for an ANZ First or ANZ 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 18 months after the date the credit card application is approved, and after the first 18 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is  for ANZ First and  for ANZ Platinum as at Friday, 16 August 2019 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 (PDF 468kB).

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Standard annual percentage interest rate for ANZ Platinum is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

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The Annual Account Fee for ANZ First is currently $30 as at Thursday, 23 February 2017 and is subject to change.

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Standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at and is subject to change.

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The standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

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Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate 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. ANZ will process the balance transfer requested and any applicable fees up to 95% of your available credit limit. The balance transfer must be requested at the time of applying for the credit card.

The ANZ Low Rate Annual Account Fee (“Annual Fee”) will be waived in the first year from the date you accept the letter of offer (“First Year”). The Annual Fee will be charged on the first statement of account after the end of the First Year and annually thereafter. The Annual Fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).

The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 1.5% of the balance transferred and will be applied at the time the balance is transferred and form part of the Promotional Plan balance. The balance transfer Promotional Plan annual percentage rate expires 22 months after the date the credit card application is approved, and after the first 22 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is  for ANZ Low Rate as at  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.

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Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes, will not earn Points. Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.

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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. Not available where you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $2,000 worth of eligible purchases within three months of approval to receive the bonus Qantas Points and have the $195 credited to your credit card account. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.67MB), for example fees, cash, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The bonus Qantas Points will be credited to your Qantas account, and the $195 will be credited to your credit card account within three months of the eligible spend criteria being met. The $195 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ Frequent Flyer Platinum credit card account before the $195 credit and bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $195 credit and bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. 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.

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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. Not available where you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $1,000 worth of eligible purchases within three months of approval to receive the bonus Qantas Points. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.67MB), for example fees, cash, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The bonus Qantas Points will be credited to your Qantas 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 bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. 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.

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