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Choose the credit card that's a good fit for you

With ten cards to choose from, it’s easy to find a card to suit your lifestyle and goals.
 

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Our current promotions

New card offer

0% p.a. balance transfer rate for a 30 month promo period, with 1% balance transfer fee and $0 Annual Fee in the First Year

with a new ANZ low rate credit card.disclaimer

Learn more

It only takes around 5 minutes to apply.

Promo period starts when we issue a Letter of Offer, not when the BT is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate, currently  .disclaimerT&Cs, eligibility criteria, fees and charges apply (incl Annual Fee after first year, currently $58).

   

access cashback offers

Join Cashrewards Max

Access cashback offers when you join Cashrewards Max and link your eligible ANZ credit card. T&Cs apply.

Explore Cashrewards Max

new card offer

Get 0% p.a. interest on purchases for 25 monthsdisclaimer

Our simple everyday credit card also comes with complimentary insurancesdisclaimerand $0 Annual Fee in the first yeardisclaimer(currently $87 after year one).

Reverts to standard purchases interest rate, currently  after 25 months.disclaimer T&Cs, eligibility criteria, fees and charges apply (including Annual Fee, currently $0 for the first year, $87 thereafter).disclaimer

See ANZ Platinum

go platinum

Ready to be rewarded with ANZ Rewards Platinum?

Earn 50,000 extra ANZ Reward Points when you spend $1,500 on eligible purchases in the first 3 months from approval.disclaimer

See ANZ Rewards Platinum

New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an Annual Fee, currently $95 ).disclaimer

   

A card can give you...

Time to pay

ANZ offers up to 55 days without interest on eligible purchases.disclaimer 

Digital wallets

Tap and go with your compatible phone or wearable device wherever you can make contactless payments.

Great rewards

We have four types of cards to choose from. Our Rewards and Frequent Flyer cards let you earn points towards gift cards, cash back or airline points.

A credit card may be suitable if you want...

Worldwide recognition

Visa cards are accepted at millions of locations, ATMs and online stores across the globe. All 10 of our credit cards use Visa.

A credit limit

Different credit limits are available, starting from $1,000, $6,000 or $15,000 depending on the card.

Useful features

Looking for a card with low rates, low fees, rewards or freqent flyer points? ANZ has a range of cards for you to consider.

 

What card might suit you?

I want lower fees or interest rates

Credit cards with lower annual fees or rates of interest.

ANZ Platinum

I want the opportunity to have my Annual Fee waived 

See one of our lower annual fee cards with a minimum credit limit of $6,000, and current Annual Fee of $87  waived every year if you spend $20,000 or more on eligible purchases.disclaimer

new card offer

  • No interest on purchases for a 25-month promotional period (then reverts to standard purchases interest rate, currently )disclaimer

See ANZ Platinum

New Platinum card, T&Cs, eligibility criteria, fees and charges apply.


ANZ First

I want the lowest ANZ Annual Fee 

See our low annual fee card with ANZ's lowest current Annual Fee of $30disclaimer and lowest minimum credit limit of $1,000.

new card offer

  • No interest on purchases for a 20-month promotional period (then reverts to standard purchases interest rate, currently )disclaimer 
  • $30 back to your card within 3 monthsdisclaimer

See ANZ First

New First card, T&Cs, eligibility criteria, fees and charges apply.

  

ANZ Low Rate

I want ANZ's lowest interest rate on everyday purchases

See our card with ANZ's lowest interest rate on everyday purchases (currently ),disclaimerminimum credit limit of $1,000 and current Annual Fee of $58.disclaimer

New card offer

  • 0% p.a. balance transfer rate for a 30 month promo period, with 1% balance transfer fee and $0 Annual Fee in First Year with a new ANZ Low Rate credit card.disclaimer

See ANZ Low rate card

Promo period starts when we issue a Letter of Offer, not when the BT is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate, currently  .disclaimerT&Cs, eligibility criteria, fees and charges apply (incl Annual Fee after first year, currently $58).

I want Rewards Points

Earn Reward Pointsdisclaimerand redeem them for gift cards, ANZ Cashbackdisclaimeror airline partner points.disclaimer

ANZ Rewards Black

I want the highest ANZ Reward Points earn rate

See our Rewards card with the highest ANZ Reward Points earn rate,disclaimerminimum credit limit of $15,000 and current Annual Fee of $375.disclaimer

New card offer

  • Earn 80,000 extra ANZ Reward Points when you spend $2,000 on eligible purchases in the first 3 months from approval.disclaimer

See ANZ Rewards Black

New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an Annual Fee, currently $375 ).disclaimer

ANZ Rewards Platinum

I want an intermediate ANZ Rewards Point earn rate

See our Rewards card with an intermediate ANZ Rewards Point earn rate,disclaimerminimum credit limit of $6,000 and current Annual Fee of $95.disclaimer

New card offer

  • Earn 50,000 extra ANZ Reward Points when you spend $1,500 on eligible purchases in the first 3 months from approval.disclaimer

See ANZ Rewards Platinum

New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an Annual Fee, currently $95 ).disclaimer

ANZ Rewards

I want an ANZ Rewards card with a lower annual fee

See our lowest Annual Fee Rewards card (currently $80),disclaimer lowest minimum credit limit ($1,000) and lowest ANZ Reward Points earn rate.disclaimer

See ANZ Rewards

T&Cs, eligibility criteria, fees and charges apply


ANZ Rewards Travel Adventures

I don’t want to pay Overseas Transaction Fees on purchases overseasdisclaimer 

See our Rewards card with no Overseas Transaction Fees on purchases overseas (including online from international websites),disclaimer  intermediate ANZ Rewards Point earn rate,disclaimer $6,000 minimum credit limit, and current Annual Fee of $120.disclaimer

new card offer

  • 40,000 ANZ Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approvaldisclaimer 

See ANZ Rewards Travel Adventures

New Rewards card, T&Cs, eligibility criteria, fees and charges apply.

I want Qantas Points

Earn Qantas Pointsdisclaimer and start booking your flights, hotels and upgrades.

ANZ Frequent Flyer Black

I want ANZ's highest Qantas Points earn rate

See our Frequent Flyer card with the highest Qantas Points earn rate,disclaimer; minimum credit limit of $15,000 and current Annual Fee of $425.disclaimer

  • Earn up to 130,000 bonus Qantas Points. 100,000 bonus Qantas Points and $255 back to your new ANZ Frequent Flyer Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval and an additional 30,000 Qantas Points when you keep your card for over 12 monthsdisclaimer

See ANZ Frequent Flyer Black

T&Cs, eligibility and spend criteria, fees and charges apply (including an Annual Fee, currently $425).

   

ANZ Frequent Flyer Platinum

I want ANZ's intermediate Qantas Points earn rate

See our Frequent Flyer card with an intermediate Qantas Points earn rate,disclaimer minimum credit limit of $6,000 and current Annual Fee of $295.disclaimer

  • 70,000 bonus Qantas Points and $100 back to your new ANZ Frequent Flyer Platinum card when you spend $2,500 on eligible purchases in the first 3 months from approval.disclaimer

See ANZ Frequent Flyer Platinum

T&Cs, eligibility criteria, fees and charges apply (including an Annual Fee, currently $295).

  

ANZ Frequent Flyer

I want an ANZ Frequent Flyer card with a lower annual fee

See our lowest Annual Fee Frequent Flyer card (currently $95),disclaimer lowest minimum credit limit ($1,000) and lowest Qantas Points earn rate.disclaimer

See ANZ Frequent Flyer

T&Cs, eligibility criteria, fees and charges apply.

  

Choose the card for you

Compare each card’s features, considerations and fees – or, use our product selector tool to help you choose.

Compare credit cards Help me choose

Budgeting and credit card education

Tips to fit your budget to your spending

A healthy budget helps with peace of mind and a greater sense of financial wellbeing. But where to get started?

Let’s take a look

 

How to manage your credit card debt

There are some potential pitfalls to watch out for when it comes to credit cards. See how to make your repayments work for you.

Show me

See how balance transfers work

Here, we look at some key concepts relating to balance transfers and how they work.

Read on

Things to know about paying off your card

Make sure you avoid late payment fees with things like due date reminders and direct debits.

Learn more

Understand your credit card interest

Here are some things that could help you minimise the interest you pay.

What to look out for

Connect with our
specialists

Call us

Our team are available Monday to Friday from 8am to 8pm (AEST).

Call 13 22 73

Get help with your application

We're here to answer your application questions and help you get started.

Request a callback

Lost or stolen card?

Report a missing card online or call us right away.

Report online

Call 1800 033 844

Visit us in person

Book an appointment at your local branch or see a map of our branch locations.

Book an appointment 

Find a location or specialist

Your questions answered

A credit card is a credit facility which allows you to borrow money from the bank to make purchases and get cash advances. Each credit card has a credit limit which is the amount you have been approved to spend on your card. Read “What is a credit limit” in our FAQ for more information on credit limits.

When you take out a credit card you agree to pay back the money you borrow plus any applicable interest, fees and charges. Learn more about ANZ’s interest rates, fees and charges.

  

A balance transfer could help you manage your card repayments. By transferring the outstanding balance of your other credit or store card accounts to an ANZ Credit Card Account and closing those other accounts, you only have to manage one card. 

Transferring your balance to a Credit Card Account with a lower interest rate could help you save on interest which means you can pay off your balance faster.  

Learn more

  

The credit limit is the amount you have been approved to spend on your credit card.

  • From time to time there may be a debit made to your Credit Card Account, which, if processed, would temporarily result in the outstanding balance exceeding your credit limit.
  • ANZ has an informal overlimit facility to help you in these circumstances.
  • Please note an overlimit fee will be charged in these circumstances.
  • You can ask ANZ to decline certain transactions so that you don't exceed your credit limit. 
  • Please refer to the ANZ Credit Cards Conditions of Use for further information.
  

You must be sure you will be able to repay a credit card before you take one out. If you miss a repayment due date you may have to pay interest and other fees and charges. It’s really important to understand your payment obligations and how credit card statements are structured. Our credit card education section contains a lot of useful information on your payment obligations and how credit cards work.

  

Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only.  

To request a change of credit card, choose one of the following options.  

Online:

Log on to ANZ Internet Banking and select your credit card account  

Over the phone:

Call 13 22 73 between 7am-11pm (AEST) 7 days a week.

Call +61 3 9683 9999 from overseas.

  

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 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. A balance transfer fee of 1% of the balance being transferred will apply. It will be applied at the time the balance is transferred and form part of the Promotional Plan balance. This offer applies only once per eligible customer. 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. Offer only applies to balance transfers requested at the time of applying for the credit card.

The ANZ Low Rate Annual Fee will be waived in the first year from the date you accept the letter of offer (“fee date”). The Annual Fee will be charged each subsequent year on or about your fee date. 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 167kB).

The balance transfer Promotional Plan annual percentage rate expires 30 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 30 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. 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. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF 393kB).

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The standard annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance 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 Platinum Credit Card Account with the purchases interest rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. A promotional annual interest rate of 0% p.a. will apply to the purchases balance on your ANZ Platinum Credit Card Account for a period of 25 months from the date of your Letter of Offer. At the end of this offer period, new purchases and any unpaid purchases balance will become subject to the standard purchases annual interest rate applicable to your Credit Card Account.  For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB). Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. If you transfer to a different Credit Card Account this offer will cease to apply. This offer applies only once per eligible customer.  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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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 a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF 696kB) 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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The ANZ Platinum Annual Fee will be waived in the first year. In each subsequent year, if Eligible Purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next Annual Fee will be waived. The date Purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last Annual Fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your Annual Fee) and ends on the day your next Annual Fee would be charged. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of Eligible Purchases excluding refunds and reversals 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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Standard annual interest rate for ANZ Platinum is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.

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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. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black credit card, or have closed, or qualified for extra Reward Points or a credit back on, any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. If approved, you must activate the card and make $1,500 worth of eligible purchases within 3 months of approval to receive the 50,000 Rewards Points. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases means purchases which are eligible to earn ANZ Rewards Points. Certain transactions and other items are not eligible to earn ANZ Rewards Points.  For details refer to the ANZ Rewards - Rewards Program Terms and Conditions (PDF 123kB). The extra 50,000 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 extra Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the extra 50,000 Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Payments and amounts shown on your statement as being immediately payable have been paid. 

There may be a delay in the process of receiving and/or approving an application or activating the card.  Applications for credit are subject to ANZ’s credit approval criteria. An Annual Fee of $95 applies. This fee is current as at  and is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB).

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For ANZ Rewards, a total annual fee of $80 applies which includes a $25 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum, a total annual fee of $95 applies, which includes a $40 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Travel Adventures, a total annual fee of $120 applies, which includes a $65 Annual Fee and a $55 Rewards Program Service Fee.  For Additional Cardholders on ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black and ANZ Rewards Travel Adventures, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only.

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Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF 428kB). Existing customers should review their credit contract for information regarding their account.

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The Annual Fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at  and is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB).

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Offer only available to new and approved credit card applicants who apply for an ANZ First Credit Card Account with the purchases interest rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. A promotional annual interest rate of 0% p.a. will apply to the purchases balance on your ANZ First Credit Card Account for a period of 20 months from the date of your Letter of Offer. At the end of this offer period, new purchases and any unpaid purchases balance will become subject to the standard purchases balance annual interest rate applicable to your Credit Card Account. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB). Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. If you transfer to a different Credit Card Account this offer will cease to apply. This offer applies only once per eligible customer. Your application must be approved and you must make at least one purchase on your new ANZ First credit card within 3 months of your Letter of Offer to be eligible for the $30 to be credited to your Credit Card Account. The $30 credit will be applied to the purchases balance within 3 months of your first purchase and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ First Credit Card Account before the $30 credit is processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $30 credit is processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Payments 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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ANZ Reward Points are earned and redeemed in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 123kB). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 123kB).

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ANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Rewards or other ANZ account within 2 business days. Minimum Redemption thresholds apply.

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Minimum Redemption thresholds apply. To redeem ANZ Reward Points for frequent flyer points, airpoints or airmiles, you must be a member of the relevant program and an ANZ Rewards Account Holder. Refer to the relevant program terms and conditions for details: Velocity Member Terms and Conditions, KrisFlyer Terms and Conditions, Airpoints Terms and Conditions and Asia Miles. ANZ Reward Points are subject to ANZ Rewards – Rewards Program Terms and Conditions (PDF 87kB).

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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. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black credit card, or have closed, or qualified for extra Reward Points or a credit back on, any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. If approved, you must activate the card and make $2,000 worth of eligible purchases within 3 months of approval to receive the 80,000 Rewards Points. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases means purchases which are eligible to earn ANZ Rewards Points. Certain transactions and other items are not eligible to earn ANZ Rewards Points.  For details refer to the ANZ Rewards - Rewards Program Terms and Conditions (PDF 123kB). The extra 80,000 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 extra Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the extra 80,000 Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Payments and amounts shown on your statement as being immediately payable have been paid.

There may be a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria. An Annual Fee of $375 applies. This fee is current as at  and is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB).

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ANZ will waive the overseas transaction fee on foreign currency transactions and transactions where the merchant or financial institution accepting the card is located outside Australia. This relates to purchases only, any cash related transactions may incur other fees. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB) booklet.

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Offer available to new and approved applicants who apply for an ANZ Rewards Travel Adventures 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. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black or ANZ Rewards Travel Adventures credit card, or have closed, or qualified for bonus Reward Points or a credit back on, any of those ANZ Rewards credit cards 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 $1,000 worth of eligible purchases within 3 months of approval to receive the 40,000 bonus Reward Points. Eligible purchases means purchases which are eligible to earn ANZ Rewards Points. Certain transactions and other items are not eligible to earn ANZ Rewards Points.  For details refer to the ANZ Rewards - Rewards Program Terms and Conditions (PDF 123kB). 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 Travel Adventures 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 the bonus Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Payments 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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Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF 122kB) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF 122kB). 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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For ANZ Frequent Flyer, a total annual fee of $95 applies which includes a $40 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at  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.

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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 that 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. Offer not available where you currently hold an ANZ Frequent Flyer, 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 $3,000 worth of eligible purchases within three months of approval to receive the 100,000 bonus Qantas Points and have the $255 credited to your Credit Card Account. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases means purchases which are eligible to earn Qantas Points. Certain transactions and other items are not eligible to earn Qantas Points. For details refer to the ANZ Frequent Flyer Reward Terms and Conditions (PDF 122kB). The 100,000 bonus Qantas Points will be credited to your Qantas account and the $255 will be credited to your Credit Card Account within three months of the eligible spend criteria being met. The $255 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. The 30,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the first anniversary of card approval and the annual fee being charged. If you transfer or cancel your new ANZ Frequent Flyer Black Credit Card Account before the $255 credit and 100,000 bonus Qantas Points or the extra 30,000 bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $255 credit and 100,000 bonus Qantas Points or the extra 30,000 bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Payments and amounts shown on your statement as being immediately payable have been paid. You will become ineligible for the 30,000 bonus Qantas Points if the annual fee is not 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. Applications for credit are subject to ANZ’s credit approval criteria. This offer is limited to one credit card application per Qantas Frequent Flyer member.

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Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum Credit Card Account. 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. Offer not available where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit card within the previous 12 months. If approved, you must activate the card and make $2,500 worth of eligible purchases within three months of the date of approval to receive the 70,000 bonus Qantas Points and receive the $100 back to your credit card account. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases means purchases which are eligible to earn Qantas Points. Certain transactions and other items are not eligible to earn Qantas Points. For details refer to the ANZ Frequent Flyer Reward Terms and Conditions (PDF 122kB). The bonus Qantas Points will be credited to your Qantas account and the $100 credited to your credit card account within three months of the eligible spend criteria being met. The $100 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 offer is fulfilled, you may become ineligible for this offer. If any repayments are overdue before the offer is fulfilled you will be ineligible for this offer until any overdue Minimum Monthly Payments 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. The ANZ Frequent Flyer Platinum Annual Fee is currently $295 (as at ) but is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB). Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply.

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