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Choose from our 11 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

A return domestic flightdisclaimer and two single entrydisclaimer lounge passes when you spend $500 on eligible purchases in first 3 months.  

ANZ Rewards Platinum credit card

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

OFFER

50,000 Reward Points after first eligible purchase within in the first 3 monthsdisclaimer  

ANZ Rewards Black credit card

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

OFFER

75,000 Reward Points after first eligible purchase within the first 3 monthsdisclaimer

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

25,000 Reward Points after first eligible purchase within the first 3 monthsdisclaimer

Low Fee cards

Our Low Fee credit cards have our lowest ongoing annual fees.
See fees, rates and benefits

ANZ Platinum card

A simple everyday credit card with $0 annual fee in the first yeardisclaimer plus Overseas Travel and Medical Insurancedisclaimer.

OFFER

$200 back to ANZ Platinum when you spend $500 on eligible purchases in the first 3 monthsdisclaimer  

ANZ First card

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

OFFER

$200 back to ANZ First when you spend $500 on eligible purchases in the first 3 monthsdisclaimer

Low Rate cards

Enjoy our low rate credit cards, with lower standard interest rates on purchases than many other ANZ credit cards. See fees, rates and benefits

A credit card with a low ongoing interest rate for your everyday purchasesdisclaimer plus Overseas Travel and Medical Insurancedisclaimer.

OFFER

0% p.a. for the first 18 months on balance transfers (3% Balance Transfer Fee applies)disclaimer Reverts to standard balance transfer rate, currently 21.74% p.a.

ANZ Low Rate card

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

OFFER

0% p.a. for the first 18 months on balance transfers (3% Balance Transfer Fee applies).disclaimer Reverts to standard balance transfer rate currently 21.74% p.a.

ANZ Frequent Flyer cards

Earn Qantas Pointsdisclaimer when you make eligible purchases, automatically transferred 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, Qantas Club privilegesdisclaimer, access to exclusive events and travel benefits.

OFFER

75,000 Qantas Points after first eligible purchase within the first 3 monthsdisclaimer

ANZ Frequent Flyer Platinum card

Earn more Qantas Pointsdisclaimer on everyday purchases with complimentary insurances and Personal Conciergedisclaimer.

OFFER

50,000 Qantas Points after first eligible purchase within the first 3 monthsdisclaimer

ANZ Frequent Flyer card

Earn Qantas Points on your everyday purchases.disclaimer

OFFER

25,000 Qantas Points after first eligible purchase within the first 3 monthsdisclaimer

Not sure which credit card is right for you?

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

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 licence from American Express.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

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Offer available to ANZ Rewards Travel Adventures account holders who have made $500 of net eligible purchases within three months of approval. One complimentary flight is available to the accountholder 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 56 KB) 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, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases.

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 113kB). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 113kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate on both their ANZ Rewards American Express card and/or ANZ Rewards Visa card. Existing customers should call 13 22 73 for information regarding the Reward Points earn rate that applies to their account.

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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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The Overseas Travel and Medical Insurance master policy, the Transport Accident Cover master policy and Rental Excess Cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - Insurance booklet (PDF 366kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

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Offer available to ANZ Rewards Travel Adventures accountholders who have made $500 of net eligible purchases within three months of approval. The accountholder is entitled to two single entry lounge passes each year until the card is cancelled.  Lounge passes provide access to the Virgin Australia domestic Lounge when travelling on a Virgin Australia domestic flight. Lounge Passes cannot be used in international lounges, partner airlines or associated lounges. Lounge Passes expire 12 months after request. Please allow 4 weeks for delivery of passes. Lounge entry is subject to space availability and is permitted a maximum of 2 hours before the flight. Damaged lounge passes will not be accepted. Lounge passes are non-refundable and must not be offered for re-sale. Access to the lounge is subject to the Virgin Australia Lounge Terms and Conditions and Lounge Rules. This offer is subject to the Air Travel Benefit Terms (PDF 56 KB). Eligible purchases are described in the Air Travel Benefit Terms - for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your eligible purchases. 

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Terms and conditions apply. Please refer to the ANZ Emergency Travel Service & Personal Concierge Terms and Conditions (PDF 92kB) for further information.

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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 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 an eligible purchase (purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 113kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points) 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.

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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 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 an eligible purchase (purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 113kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Rewards Points) 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.

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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 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 an eligible purchase (purchases which are not eligible to earn Reward Points are described in the ANZ Rewards Black - Rewards Program terms and conditions booklet (PDF 1.8MB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points) 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.

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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 Platinum or ANZ First 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 for customers who have been approved for an ANZ credit card and received a cashback or similar payment from ANZ 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 $500 worth of eligible purchases within three months of approval to receive the $200 back to your ANZ First or ANZ Platinum account. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances as defined in the ANZ Credit Cards Conditions of Use, interest, fees, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes, transactions reversed and purchase refunds. The $200 back will be credited to your ANZ First or ANZ Platinum account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Platinum or ANZ First credit card account before the introductory $200 back is processed to your account, you may become ineligible for this offer. The $200 back available under this offer does not constitute a payment under the credit card contract we have in place with you and will be applied to your purchases balance (see the ANZ Credit Cards Conditions of Use (PDF 468kB)). 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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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 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 3% 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 Low Rate and  for ANZ Low Rate Platinum 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 (PDF 468kB).

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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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Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB) and ANZ Frequent Flyer Black Reward Terms and Conditions (PDF 1.67MB). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB) and ANZ Frequent Flyer Black Reward Terms and Conditions (PDF 1.67MB)  for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points. You will not earn Qantas Points in respect of purchases which exceed any advised spend cap. Eligible purchases for each statement period for ANZ Frequent Flyer are capped at $3,000 of eligible purchases across all Visa cards on the account and $3,000 of eligible purchases across all American Express cards on the account, and for ANZ Frequent Flyer Platinum are capped at $6,000 of eligible purchases across all Visa cards on the account and $6,000 of eligible purchases across all American Express cards on the account. No spend cap applies to ANZ Frequent Flyer Black. Bonus Qantas Points may still be earned once eligible purchases made with your card exceed any applicable spend cap. The Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program which are available at qantas.com/terms. Earn rates and spend caps are subject to change. ANZ Frequent Flyer Platinum accounts that were previously named 'ANZ Frequent Flyer Gold' are subject to different earn rates and spend caps. Existing customers may be subject to a different earn rate or spend cap on their account. Existing customers should call 13 22 73 for information regarding their ANZ account.

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Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765. Qantas Club Lounge invitations will be sent to the account holder’s current mailing address within 4 weeks of request, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use (PDF 336 kB) and the account remains open. It is the account holder’s responsibility to ensure that ANZ has their current mailing address. Neither ANZ nor Qantas accept responsibility for any delay in delivery of invitations. Lost or stolen invitations will not be replaced. Damaged invitations may not be accepted. Qantas Club Lounge invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas operated international Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way. Invitations are valid for 12 months from date of request and will expire on the date printed on the invitations. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. Access may not be available if the applicable lounge is full or near capacity. Access and use of Qantas Club lounges is subject to Qantas Club rules which are available at qantas.com/qantasclub.

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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 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 an eligible purchase (purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Black Reward Terms and Conditions (PDF 1.67MB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points) 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.

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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 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 an eligible purchase (purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points) 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.

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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 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 an eligible purchase (purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.8MB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points) 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.

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