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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

0% p.a. balance transfer rate for a 30 month promo period, with no balance transfer fee and $0 annual fee in First Year

with a new ANZ Low Rate credit carddisclaimer

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 disclaimer. T&Cs, eligibility criteria, fees and charges apply (incl $58 annual fee after first year).

Join Cashrewards Max

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

Explore Cashrewards Max

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

Ready to be rewarded with ANZ Rewards Platinum?

Earn 50,000 Reward Points when you spend $1,500 on eligible purchases in the first 3 months from approval. Plus, get $0 annual fee in the first year.

New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $95 after the first year).

See ANZ Rewards Platinum

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.

 

Already know what you're after?

 

I want Reward Points

Our rewards cards

 

I want low fees

Our low annual fee cards

I want Qantas Points

Our frequent flyer cards

 

I want low interest rates

Our low interest rate cards

 

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. 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 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 and ANZ Personal Banking General Fees and Charges.

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. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use.

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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 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 percentage 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 percentage 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) and ANZ Personal Banking General Fees and Charges (PDF 143kB).  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 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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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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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 of account 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. 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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