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Credit cards	ANZ First	ANZ Platinum	ANZ Low Rate	ANZ Rewards Black	ANZ Rewards Travel Adventures	ANZ Rewards Platinum	ANZ Rewards	ANZ Frequent Flyer	ANZ Frequent Flyer Platinum	ANZ Frequent Flyer Black
Description	A simple everyday credit card with a low ongoing annual fee.^disclaimer	A simple everyday credit card with $0 annual fee in the first year^disclaimer plus complimentary insurances^disclaimer.	A credit card with a low ongoing interest rate for your everyday purchases^disclaimer.	Our highest ANZ Reward Points earning potential card on your everyday purchases^disclaimer, uncapped flexible rewards, plus access to exclusive events and privileges.	With no international transaction fees^disclaimer, this card has your travel and shopping needs covered with complimentary insurances^disclaimer and access to a flexible ANZ Rewards program.	Be rewarded for your everyday purchases^disclaimer and access a flexible ANZ Rewards program with complimentary insurances.^disclaimer	Be rewarded for your everyday purchases^disclaimer and have the flexiblity to redeem your Reward Points for rewards including gift cards and cashback.^disclaimer	Earn uncapped Qantas Points^disclaimer on your everyday purchases.	Earn Qantas Points^disclaimer on your everyday purchases with complimentary insurances^disclaimer and uncapped points.	Our highest Qantas Points^disclaimer earning potential card on your everyday purchases, with uncapped points and access to exclusive privileges.
Summary	$30 annual fee^disclaimer interest rate on purchases^disclaimer interest rate on cash advances^disclaimer interest rate on standard balance transfers^disclaimer Up to 55 interest-free days on purchases^disclaimer Minimum credit limit $1,000 No reward benefits Overseas transaction fees apply	$0 first year, $87 after that (or $0 if you make $20,000 of eligible purchases in 12 months)^disclaimer interest rate on purchases^disclaimer interest rate on cash advances^disclaimer interest rate on standard balance transfers^disclaimer Up to 55 interest-free days on purchases^disclaimer Minimum credit limit $6,000 No reward benefits Overseas transaction fees apply	$58 annual fee^disclaimer interest rate on purchases^disclaimer interest rate on cash advances^disclaimer interest rate on standard balance transfers^disclaimer Up to 55 interest-free days on purchases^disclaimer Minimum credit limit $1,000 No reward benefits Overseas transaction fees apply	$375 total annual fee^disclaimer interest rate on purchases^disclaimer interest rate on cash advances^disclaimer interest rate on standard balance transfers^disclaimer Up to 55 interest-free days on purchases^disclaimer Minimum credit limit $15,000 ANZ Reward Points Overseas transaction fees apply	$120 total annual fee^disclaimer interest rate on purchases^disclaimer interest rate on cash advances^disclaimer interest rate on standard balance transfers^disclaimer Up to 55 interest-free days on purchases^disclaimer Minimum credit limit $6,000 ANZ Reward Points No overseas transaction fees on purchases^disclaimer	$95 total annual fee^disclaimer interest rate on purchases^disclaimer interest rate on cash advances^disclaimer interest rate on standard balance transfers^disclaimer Up to 55 interest-free days on purchases^disclaimer Minimum credit limit $6,000 ANZ Reward Points Overseas transaction fees apply	$80 total annual fee^disclaimer interest rate on purchases^disclaimer interest rate on cash advances^disclaimer interest rate on standard balance transfers^disclaimer Up to 55 interest-free days on purchases^disclaimer Minimum credit limit $1,000 ANZ Reward Points Overseas transaction fees apply	$95 total annual fee^disclaimer interest rate on purchases^disclaimer interest rate on cash advances^disclaimer interest rate on standard balance transfers^disclaimer Up to 55 interest-free days on purchases^disclaimer Minimum credit limit $1,000 Qantas Points Overseas transaction fees apply	$295 total annual fee^disclaimer interest rate on purchases^disclaimer interest rate on cash advances^disclaimer interest rate on standard balance transfers^disclaimer Up to 55 interest-free days on purchases^disclaimer Minimum credit limit $6,000 Qantas Points Overseas transaction fees apply	$425 total annual fee^disclaimer interest rate on purchases^disclaimer interest rate on cash advances^disclaimer interest rate on standard balance transfers ^disclaimer Up to 55 interest-free days on purchases^disclaimer Minimum credit limit $15,000 Qantas Points Overseas transaction fees apply
Offer	0% p.a. for 20 months on purchases and $30 back to your new ANZ First credit card.^disclaimer Reverts to standard purchases interest rate, (currently ) after 20 months.² T&Cs, eligibility criteria, fees and charges apply(including annual fee, currently $30).	0% p.a. for 25 months on purchases^disclaimer and $0 annual fee in the first year on your new ANZ Platinum credit card.^disclaimer 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	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 card.^disclaimer 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).	Earn 80,000 extra Reward Points and $0 annual fee in the first year when you spend $2,000 on eligible purchases in the first 3 months from approval.^disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375 after the first year).	40,000 bonus Reward 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 $120).	Earn 50,000 extra Reward Points and $0 annual fee when you spend $1,500 on eligible purchases in the first 3 months from approval.^disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $95 after the first year).	No current offer. The standard features, benefits, fees, interest rates, charges and tradeoffs of the ANZ Rewards apply.	No current offer. The standard features, benefits, fees, interest rates, charges and tradeoffs of the ANZ Frequent Flyer apply. 25,000 Qantas Points and $30 back to your new card when you spend $1000 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $95)^disclaimer. 25,000 Qantas Points and $30 back to your new card when you spend $1000 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $95)^disclaimer. 25,000 Qantas Points and $30 back to your new card when you spend $1000 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $95)^disclaimer. 25,000 Qantas Points and $30 back to your new card when you spend $1000 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $95)^disclaimer.	Earn 70,000 bonus Qantas Points and $0 annual fee in the first year when you spend $2,500 on eligible purchases in the first 3 months from approval.^disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $0 for the first year, $295 thereafter). 110,000 Qantas Points and $200 back to your new card when you spend $2,500 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $295)^disclaimer. 110,000 Qantas Points and $200 back to your new card when you spend $2,500 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $295)^disclaimer. 110,000 Qantas Points and $200 back to your new card when you spend $2,500 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $295)^disclaimer. 110,000 Qantas Points and $200 back to your new card when you spend $2,500 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $295)^disclaimer.	Earn 130,000 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.^disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425)^disclaimer. 160,000 Qantas Points and $225 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425)^disclaimer. 160,000 Qantas Points and $225 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425)^disclaimer. 160,000 Qantas Points and $225 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425)^disclaimer. 160,000 Qantas Points and $225 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval^disclaimer. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425)^disclaimer.
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The important numbers
Rewards
Points earn rate	No reward benefits	No reward benefits	No reward benefits	2 Reward Points^disclaimer per $1 spent on eligible purchases up to and including $5,000 per statement period 1 Reward Point^disclaimer per $1 spent on eligible purchases above $5,000 per statement period	1.5 Reward Points^disclaimer per $1 spent on eligible purchases up to and including $2,000 per statement period 0.5 Reward Points^disclaimer per $1 spent on eligible purchases above $2,000 per statement period	1.5 Reward Points^disclaimer per $1 spent on eligible purchases up to and including $2,000 per statement period 0.5 Reward Points^disclaimer per $1 spent on eligible purchases above $2,000 per statement period	1 Reward Point^disclaimer per $1 spent on eligible purchases up to and including $1,000 per statement period 0.5 Reward Points^disclaimer per $1 spent on eligible purchases above $1,000 per statement period	0.5 Qantas Points^disclaimer per $1 spent on eligible purchases up to and including $500 per statement period 0.25 Qantas Points^disclaimer per $1 spent on eligible purchases above $500 per statement period	0.75 Qantas Points^disclaimer per $1 spent on eligible purchases up to and including $3,000 per statement period 0.5 Qantas Points^disclaimer per $1 spent on eligible purchases above $3,000 per statement period	1 Qantas Point^disclaimer per $1 spent on eligible purchases up to and including $7,500 per statement period 0.5 Qantas Points^disclaimer per $1 spent on eligible purchases above $7,500 per statement period
Reward Points conditions	Not applicable	Not applicable	Not applicable	Uncapped points earning^disclaimer Points expire after 3 years	Uncapped points earning^disclaimer Points expire after 3 years	Uncapped points earning^disclaimer Points expire after 3 years	Uncapped points earning^disclaimer Points expire after 3 years	Uncapped Qantas Points^disclaimer earning	Uncapped Qantas Points^disclaimer earning	Uncapped Qantas Points^disclaimer earning
Am i Eligible
Interest rates on purchases	Higher interest rate on purchases compared to the ANZ Low Rate card	Higher interest rate on purchases compared to the ANZ Low Rate card	Low interest rate on purchases compared to other ANZ cards	Higher interest rate on purchases compared to the ANZ Low Rate card	Higher interest rate on purchases compared to the ANZ Low Rate card	Higher interest rate on purchases compared to the ANZ Low Rate card	Higher interest rate on purchases compared to the ANZ Low Rate card	Higher interest rate on purchases compared to the ANZ Low Rate card	Higher interest rate on purchases compared to the ANZ Low Rate card	Higher interest rate on purchases compared to the ANZ Low Rate card
Annual fee	Low annual fee compared to other ANZ cards	Zero annual fee in the first year and a higher annual fee thereafter compared to the ANZ First card	Higher annual fee compared to the ANZ First card	Higher annual fee compared to the ANZ First card (and our highest annual fee of all the Rewards cards)	Higher annual fee compared to the ANZ First card	Higher annual fee compared to the ANZ First card (and a higher annual fee compared to the ANZ Rewards card)	Higher annual fee compared to the ANZ First card	Higher annual fee compared to the ANZ First card	Higher annual fee compared to the ANZ First card (and a higher annual fee compared to the ANZ Frequent Flyer card)	Higher annual fee compared to the ANZ First card (and our highest annual fee of all the Frequent Flyer cards)
Overseas transaction fees	Overseas transaction fees apply	Overseas transaction fees apply	Overseas transaction fees apply	Overseas transaction fees apply	No overseas transaction fees on purchases^disclaimer	Overseas transaction fees apply	Overseas transaction fees apply	Overseas transaction fees apply	Overseas transaction fees apply	Overseas transaction fees apply
Points earning and benefits	Does not earn Reward Points or Qantas Points on purchases	Does not earn Reward Points or Qantas Points on purchases	Does not earn Reward Points or Qantas Points on purchases	Higher Reward Points earn rate compared to other ANZ Rewards cards	Lower Reward Points earn rate compared to the ANZ Rewards Black card	Lower Reward Points earn rate compared to the ANZ Rewards Black card	Lower Reward Points earn rate compared to the ANZ Rewards Black card	Lower Qantas Points earn rate compared to the ANZ Frequent Flyer Black or ANZ Frequent Flyer Platinum cards.	Lower Qantas Points earn rate compared to the ANZ Frequent Flyer Black card. Higher Qantas Points earn rate than the ANZ Frequent Flyer card.	Higher Qantas Points earn rate compared to other ANZ cards. Save with a joining fee waiver and a discount on a 1 year Qantas Club Membership^disclaimer and two complimentary Qantas Club lounge invitations each year^disclaimer
Additional card holders	Up to 3 additional cardholders (at no additional cost)	Up to 9 additional cardholders (at no additional cost)	Up to 3 additional cardholders (at no additional cost)	Up to 9 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)	Up to 9 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)	Up to 9 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)	Up to 3 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)	Up to 3 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)	Up to 9 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)	Up to 9 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)
Complimentary insurances	2 complimentary insurances excluding International Travel Insurance^disclaimer	Complimentary insurances including International Travel Insurance^disclaimer	No complimentary insurances	Complimentary insurances including International Travel Insurance^disclaimer	Complimentary insurances including International Travel Insurance^disclaimer	Complimentary insurances including International Travel Insurance^disclaimer	No complimentary insurances	No complimentary insurances	Complimentary insurances including International Travel Insurance^disclaimer	Complimentary insurances including International Travel Insurance^disclaimer
Access to Cashrewards Max	Join Cashrewards Max and link your ANZ First credit card to access cashback offers. T&Cs apply.^disclaimer	Join Cashrewards Max and link your ANZ Platinum credit card to access cashback offers. T&Cs apply.^disclaimer	Join Cashrewards Max and link your ANZ Low Rate credit card to access cashback offers. T&Cs apply.^disclaimer	Join Cashrewards Max and link your ANZ Rewards Black credit card to access cashback offers. T&Cs apply.^disclaimer	Join Cashrewards Max and link your ANZ Rewards Travel Adventure credit card to access cashback offers. T&Cs apply.^disclaimer	Join Cashrewards Max and link your ANZ Rewards Platinum credit card to access cashback offers. T&Cs apply.^disclaimer	Join Cashrewards Max and link your ANZ Rewards credit card to access cashback offers. T&Cs apply.^disclaimer	Join Cashrewards Max and link your ANZ Frequent Flyer credit card to access cashback offers. T&Cs apply.^disclaimer	Join Cashrewards Max and link your ANZ Frequent Flyer Platinum credit card to access cashback offers. T&Cs apply.^disclaimer	Join Cashrewards Max and link your ANZ Frequent Flyer Black credit card to access cashback offers. T&Cs apply.^disclaimer
What I'm covered for

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Low Annual Fee

ANZ First

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

$30 annual fee^disclaimer

interest rate on purchases^disclaimer

interest rate on cash advances^disclaimer

interest rate on standard balance transfers^disclaimer

Up to 55 interest-free days on purchases^disclaimer

Minimum credit limit $1,000

No reward benefits

Overseas transaction fees apply

0% p.a. for 20 months on purchases and $30 back to your new ANZ First credit card.^disclaimer

Reverts to standard purchases interest rate, (currently ) after 20 months.² T&Cs, eligibility criteria, fees and charges apply(including annual fee, currently $30).

Learn more Apply now

Low Annual Fee

ANZ Platinum

A simple everyday credit card with $0 annual fee in the first year^disclaimer plus complimentary insurances^disclaimer.

$0 first year, $87 after that (or $0 if you make $20,000 of eligible purchases in 12 months)^disclaimer

interest rate on purchases^disclaimer

interest rate on cash advances^disclaimer

interest rate on standard balance transfers^disclaimer

Up to 55 interest-free days on purchases^disclaimer

Minimum credit limit $6,000

No reward benefits

Overseas transaction fees apply

0% p.a. for 25 months on purchases^disclaimer and $0 annual fee in the first year on your new ANZ Platinum credit card.^disclaimer

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

Learn more Apply now

Low Interest Rate

ANZ Low Rate

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

$58 annual fee^disclaimer

interest rate on purchases^disclaimer

interest rate on cash advances^disclaimer

interest rate on standard balance transfers^disclaimer

Up to 55 interest-free days on purchases^disclaimer

Minimum credit limit $1,000

No reward benefits

Overseas transaction fees apply

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 card.^disclaimer

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).

Learn more Apply now

Rewards

ANZ Rewards Black

Our highest ANZ Reward Points earning potential card on your everyday purchases^disclaimer, uncapped flexible rewards, plus access to exclusive events and privileges.

$375 total annual fee^disclaimer

interest rate on purchases^disclaimer

interest rate on cash advances^disclaimer

interest rate on standard balance transfers^disclaimer

Up to 55 interest-free days on purchases^disclaimer

Minimum credit limit $15,000

ANZ Reward Points

Overseas transaction fees apply

Earn 80,000 extra Reward Points and $0 annual fee in the first year when you spend $2,000 on eligible purchases in the first 3 months from approval.^disclaimer

New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375 after the first year).

Learn more Apply now

Rewards

ANZ Rewards Travel Adventures

With no international transaction fees^disclaimer, this card has your travel and shopping needs covered with complimentary insurances^disclaimer and access to a flexible ANZ Rewards program.

$120 total annual fee^disclaimer

interest rate on purchases^disclaimer

interest rate on cash advances^disclaimer

interest rate on standard balance transfers^disclaimer

Up to 55 interest-free days on purchases^disclaimer

Minimum credit limit $6,000

ANZ Reward Points

No overseas transaction fees on purchases^disclaimer

40,000 bonus Reward 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 $120).

Learn more Apply now

Rewards

ANZ Rewards Platinum

Be rewarded for your everyday purchases^disclaimer and access a flexible ANZ Rewards program with complimentary insurances.^disclaimer

$95 total annual fee^disclaimer

interest rate on purchases^disclaimer

interest rate on cash advances^disclaimer

interest rate on standard balance transfers^disclaimer

Up to 55 interest-free days on purchases^disclaimer

Minimum credit limit $6,000

ANZ Reward Points

Overseas transaction fees apply

Earn 50,000 extra Reward Points and $0 annual fee when you spend $1,500 on eligible purchases in the first 3 months from approval.^disclaimer

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

Learn more Apply now

Rewards

ANZ Rewards

Be rewarded for your everyday purchases^disclaimer and have the flexiblity to redeem your Reward Points for rewards including gift cards and cashback.^disclaimer

$80 total annual fee^disclaimer

interest rate on purchases^disclaimer

interest rate on cash advances^disclaimer

interest rate on standard balance transfers^disclaimer

Up to 55 interest-free days on purchases^disclaimer

Minimum credit limit $1,000

ANZ Reward Points

Overseas transaction fees apply

No current offer.

The standard features, benefits, fees, interest rates, charges and tradeoffs of the ANZ Rewards apply.

Learn more Apply now

Frequent Flyer

ANZ Frequent Flyer

Earn uncapped Qantas Points^disclaimer on your everyday purchases.

$95 total annual fee^disclaimer

interest rate on purchases^disclaimer

interest rate on cash advances^disclaimer

interest rate on standard balance transfers^disclaimer

Up to 55 interest-free days on purchases^disclaimer

Minimum credit limit $1,000

Qantas Points

Overseas transaction fees apply

No current offer.

The standard features, benefits, fees, interest rates, charges and tradeoffs of the ANZ Frequent Flyer apply.

25,000 Qantas Points and $30 back to your new card when you spend $1000 on eligible purchases in the first 3 months from approval^disclaimer.

New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $95)^disclaimer.

Learn more Apply now

Frequent Flyer

ANZ Frequent Flyer Platinum

Earn Qantas Points^disclaimer on your everyday purchases with complimentary insurances^disclaimer and uncapped points.

$295 total annual fee^disclaimer

interest rate on purchases^disclaimer

interest rate on cash advances^disclaimer

interest rate on standard balance transfers^disclaimer

Up to 55 interest-free days on purchases^disclaimer

Minimum credit limit $6,000

Qantas Points

Overseas transaction fees apply

Earn 70,000 bonus Qantas Points and $0 annual fee in the first year when you spend $2,500 on eligible purchases in the first 3 months from approval.^disclaimer

New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $0 for the first year, $295 thereafter).

110,000 Qantas Points and $200 back to your new card when you spend $2,500 on eligible purchases in the first 3 months from approval^disclaimer.

New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $295)^disclaimer.

Learn more Apply now

Frequent Flyer

ANZ Frequent Flyer Black

Our highest Qantas Points^disclaimer earning potential card on your everyday purchases, with uncapped points and access to exclusive privileges.

$425 total annual fee^disclaimer

interest rate on purchases^disclaimer

interest rate on cash advances^disclaimer

interest rate on standard balance transfers ^disclaimer

Up to 55 interest-free days on purchases^disclaimer

Minimum credit limit $15,000

Qantas Points

Overseas transaction fees apply

Earn 130,000 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.^disclaimer

New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425)^disclaimer.

160,000 Qantas Points and $225 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval^disclaimer.

New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425)^disclaimer.

Learn more Apply now

Rewards

Points earn rate

No reward benefits

Reward Points conditions

Not applicable

Points earn rate

No reward benefits

Reward Points conditions

Not applicable

Points earn rate

No reward benefits

Reward Points conditions

Not applicable

Points earn rate

2 Reward Points^disclaimer per $1 spent on eligible purchases up to and including $5,000 per statement period

1 Reward Point^disclaimer per $1 spent on eligible purchases above $5,000 per statement period

Reward Points conditions

Uncapped points earning^disclaimer
Points expire after 3 years

Points earn rate

1.5 Reward Points^disclaimer per $1 spent on eligible purchases up to and including $2,000 per statement period

0.5 Reward Points^disclaimer per $1 spent on eligible purchases above $2,000 per statement period

Reward Points conditions

Uncapped points earning^disclaimer
Points expire after 3 years

Points earn rate

1.5 Reward Points^disclaimer per $1 spent on eligible purchases up to and including $2,000 per statement period

0.5 Reward Points^disclaimer per $1 spent on eligible purchases above $2,000 per statement period

Reward Points conditions

Uncapped points earning^disclaimer
Points expire after 3 years

Points earn rate

1 Reward Point^disclaimer per $1 spent on eligible purchases up to and including $1,000 per statement period

0.5 Reward Points^disclaimer per $1 spent on eligible purchases above $1,000 per statement period

Reward Points conditions

Uncapped points earning^disclaimer
Points expire after 3 years

Points earn rate

0.5 Qantas Points^disclaimer per $1 spent on eligible purchases up to and including $500 per statement period

0.25 Qantas Points^disclaimer per $1 spent on eligible purchases above $500 per statement period

Reward Points conditions

Uncapped Qantas Points^disclaimer earning

Points earn rate

0.75 Qantas Points^disclaimer per $1 spent on eligible purchases up to and including $3,000 per statement period

0.5 Qantas Points^disclaimer per $1 spent on eligible purchases above $3,000 per statement period

Reward Points conditions

Uncapped Qantas Points^disclaimer earning

Points earn rate

1 Qantas Point^disclaimer per $1 spent on eligible purchases up to and including $7,500 per statement period

0.5 Qantas Points^disclaimer per $1 spent on eligible purchases above $7,500 per statement period

Reward Points conditions

Uncapped Qantas Points^disclaimer earning

Features, benefits and trade-offs

Interest rates on purchases

Higher interest rate on purchases compared to the ANZ Low Rate card

Annual fee

Low annual fee compared to other ANZ cards

Overseas transaction fees

Overseas transaction fees apply

Points earning and benefits

Does not earn Reward Points or Qantas Points on purchases

Additional card holders

Up to 3 additional cardholders (at no additional cost)

Complimentary insurances

2 complimentary insurances excluding International Travel Insurance^disclaimer

Access to Cashrewards Max

Join Cashrewards Max and link your ANZ First credit card to access cashback offers. T&Cs apply.^disclaimer

Interest rates on purchases

Higher interest rate on purchases compared to the ANZ Low Rate card

Annual fee

Zero annual fee in the first year and a higher annual fee thereafter compared to the ANZ First card

Overseas transaction fees

Overseas transaction fees apply

Points earning and benefits

Does not earn Reward Points or Qantas Points on purchases

Additional card holders

Up to 9 additional cardholders (at no additional cost)

Complimentary insurances

Complimentary insurances including International Travel Insurance^disclaimer

Access to Cashrewards Max

Join Cashrewards Max and link your ANZ Platinum credit card to access cashback offers. T&Cs apply.^disclaimer

Interest rates on purchases

Low interest rate on purchases compared to other ANZ cards

Annual fee

Higher annual fee compared to the ANZ First card

Overseas transaction fees

Overseas transaction fees apply

Points earning and benefits

Does not earn Reward Points or Qantas Points on purchases

Additional card holders

Up to 3 additional cardholders (at no additional cost)

Complimentary insurances

No complimentary insurances

Access to Cashrewards Max

Join Cashrewards Max and link your ANZ Low Rate credit card to access cashback offers. T&Cs apply.^disclaimer

Interest rates on purchases

Higher interest rate on purchases compared to the ANZ Low Rate card

Annual fee

Higher annual fee compared to the ANZ First card (and our highest annual fee of all the Rewards cards)

Overseas transaction fees

Overseas transaction fees apply

Points earning and benefits

Higher Reward Points earn rate compared to other ANZ Rewards cards

Additional card holders

Up to 9 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)

Complimentary insurances

Complimentary insurances including International Travel Insurance^disclaimer

Access to Cashrewards Max

Join Cashrewards Max and link your ANZ Rewards Black credit card to access cashback offers. T&Cs apply.^disclaimer

Interest rates on purchases

Higher interest rate on purchases compared to the ANZ Low Rate card

Annual fee

Higher annual fee compared to the ANZ First card

Overseas transaction fees

No overseas transaction fees on purchases^disclaimer

Points earning and benefits

Lower Reward Points earn rate compared to the ANZ Rewards Black card

Additional card holders

Up to 9 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)

Complimentary insurances

Complimentary insurances including International Travel Insurance^disclaimer

Access to Cashrewards Max

Join Cashrewards Max and link your ANZ Rewards Travel Adventure credit card to access cashback offers. T&Cs apply.^disclaimer

Interest rates on purchases

Higher interest rate on purchases compared to the ANZ Low Rate card

Annual fee

Higher annual fee compared to the ANZ First card (and a higher annual fee compared to the ANZ Rewards card)

Overseas transaction fees

Overseas transaction fees apply

Points earning and benefits

Lower Reward Points earn rate compared to the ANZ Rewards Black card

Additional card holders

Up to 9 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)

Complimentary insurances

Complimentary insurances including International Travel Insurance^disclaimer

Access to Cashrewards Max

Join Cashrewards Max and link your ANZ Rewards Platinum credit card to access cashback offers. T&Cs apply.^disclaimer

Interest rates on purchases

Higher interest rate on purchases compared to the ANZ Low Rate card

Annual fee

Higher annual fee compared to the ANZ First card

Overseas transaction fees

Overseas transaction fees apply

Points earning and benefits

Lower Reward Points earn rate compared to the ANZ Rewards Black card

Additional card holders

Up to 3 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)

Complimentary insurances

No complimentary insurances

Access to Cashrewards Max

Join Cashrewards Max and link your ANZ Rewards credit card to access cashback offers. T&Cs apply.^disclaimer

Interest rates on purchases

Higher interest rate on purchases compared to the ANZ Low Rate card

Annual fee

Higher annual fee compared to the ANZ First card

Overseas transaction fees

Overseas transaction fees apply

Points earning and benefits

Lower Qantas Points earn rate compared to the ANZ Frequent Flyer Black or ANZ Frequent Flyer Platinum cards.

Additional card holders

Up to 3 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)

Complimentary insurances

No complimentary insurances

Access to Cashrewards Max

Join Cashrewards Max and link your ANZ Frequent Flyer credit card to access cashback offers. T&Cs apply.^disclaimer

Interest rates on purchases

Higher interest rate on purchases compared to the ANZ Low Rate card

Annual fee

Higher annual fee compared to the ANZ First card (and a higher annual fee compared to the ANZ Frequent Flyer card)

Overseas transaction fees

Overseas transaction fees apply

Points earning and benefits

Lower Qantas Points earn rate compared to the ANZ Frequent Flyer Black card.

Higher Qantas Points earn rate than the ANZ Frequent Flyer card.

Additional card holders

Up to 9 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)

Complimentary insurances

Complimentary insurances including International Travel Insurance^disclaimer

Access to Cashrewards Max

Join Cashrewards Max and link your ANZ Frequent Flyer Platinum credit card to access cashback offers. T&Cs apply.^disclaimer

Interest rates on purchases

Higher interest rate on purchases compared to the ANZ Low Rate card

Annual fee

Higher annual fee compared to the ANZ First card (and our highest annual fee of all the Frequent Flyer cards)

Overseas transaction fees

Overseas transaction fees apply

Points earning and benefits

Higher Qantas Points earn rate compared to other ANZ cards. Save with a joining fee waiver and a discount on a 1 year Qantas Club Membership^disclaimer and two complimentary Qantas Club lounge invitations each year^disclaimer

Additional card holders

Up to 9 additional cardholders (for a $65 annual fee per additional cardholder^disclaimer)

Complimentary insurances

Complimentary insurances including International Travel Insurance^disclaimer

Access to Cashrewards Max

Join Cashrewards Max and link your ANZ Frequent Flyer Black credit card to access cashback offers. T&Cs apply.^disclaimer

Before you apply

Eligibility requirements

Required information

Please make sure you have all the information required before starting, including:

Australian driver's licence number (if you have one)
Details of your income, assets and liabilities
Two recent pay slips for income verification
If you're self-employed, you'll need your accountant's phone number
Details of your living expenses, such as regular bills
ANZ account number or Customer Registration Number (if you have one)
Your email address

We may offer you a credit limit based on the information you provide to us, so it's important to provide us with as much information as possible.

Please see Supply application documents for more information.

After you apply

What happens after you apply for a credit card online?

You should receive a response in 60 seconds, with an online application reference number
If we need more information from you regarding your application, ANZ will contact you within the next two business days
Once approved, you will usually receive your card and welcome kit within five business days
Once you receive your welcome kit, you'll be able to activate your eligible card and set your card PIN in the ANZ App. Log in, then tap More to get started.
Your PIN will be mailed two business days after the card is issued
You’ll need to activate your card before you use it
You should then find out more about managing your card.

FAQs

Request for an initial credit limit?

You can request a specific credit limit or request the maximum credit that may be approved by us. If we approve your application, your maximum credit limit will be determined after processing your application and in some cases, may be lower than your requested limit.

Looking for more information or don't want to apply online?

If you have questions about your online application, don't want to apply online or would just like to discuss your options. Please call us on 13 33 33 from 8.00 am to 8.00 pm (AEST) Monday to Friday, and quote your online application reference number if you have one . You could also visit your ANZ local branch.

What do you need to do if your application gets approved and you’re a new ANZ customer?

As a new ANZ customer, you’ll need to complete ANZ's Customer Identification Process before activating your account. Please visit any ANZ branch in Australia and provide personal identification listed in the Customer Identification Process Acceptable Identification Documents form (PDF 71kB) to do this.

Want a debit card to complement your credit card?

If you want a debit card to complement your credit card^disclaimer, an ANZ Access Visa Debit Card gives you some of the benefits of using a credit card while using your own money^disclaimer. You don’t need a credit application, and you can get one with an ANZ Access Advantage, ANZ One offset, ANZ Pensioner Advantage or Access Basic account.

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

Important information

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

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

The Annual Account Fee ("Annual Fee") for ANZ First is currently $30, the standard annual percentage interest rate is on purchases, on cash advances and on standard balance transfers as at and is subject to change. 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).

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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 percentage 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 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. 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 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 Annual Account Fee ("Annual Fee") for ANZ First is currently $30 as at and is subject to change.

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The standard variable annual percentage interest rate is on purchases, on cash advances and on standard balance transfers for ANZ Low Rate, on purchases, on cash advances and on standard balance transfers for ANZ First, on purchases, on cash advances and on standard balance transfers for ANZ Platinum, on purchases, on cash advances and on standard balance transfers for ANZ Frequent Flyer, on purchases, on cash advances and on standard balance transfers for ANZ Frequent Flyer Platinum, on purchases, on cash advances and on standard balance transfers for ANZ Frequent Flyer Black, on purchases, on cash advances and on standard balance transfers for ANZ Rewards, on purchases, on cash advances and on standard balance transfers for ANZ Rewards Platinum and on purchases, on cash advances and on standard balance transfers for ANZ Rewards Black, on purchases, on cash advances and on standard balance transfers for ANZ Rewards Travel Adventures. These rates are current as at and are 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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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 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 ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF 696kB) and the ANZ First Credit Card Complimentary Insurance booklet (PDF 197kB) 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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Cashrewards Max customers who pay with their linked ANZ card may have access to higher cashback rates on selected offers compared to the standard Cashrewards program. Cashrewards Max is offered by Cashrewards and not ANZ. The Cashrewards account is not an ANZ account. Eligibility criteria, cashback redemption & withdrawal conditions and T&Cs apply.

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Purchase Protection Insurance and Extended Warranty 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 license 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 First Credit Card Complimentary Insurance booklet (PDF 197kB) which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, 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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This insurance is issued by OnePath Life Limited ABN 33 009 657 176, AFSL 238341 (OnePath Life) or by OnePath General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (OnePath GI). OnePath Life and OnePath GI are subsidiaries of Australia and New Zealand Banking Group Limited (ANZ). ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer. The issuers are not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than the relevant issuer. ANZ recommends that you read the ANZ Financial Services Guide (PDF 104kB) and the relevant Product Disclosure Statement for further information about its association with the issuer and any benefits that it may receive and other important information before deciding whether to acquire or hold this product.

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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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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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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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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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Refer to the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance booklet (PDF 696kB) for further information. Eligibility criteria may include making a purchase with your card.

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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. 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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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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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. Your application must be approved and you must activate the card and make $2,000 worth of eligible purchases within 3 months of approval to receive the 80,000 extra Rewards 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 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 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. Applications for credit are subject to ANZ’s credit approval criteria. After the first year, 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) and ANZ Personal Banking General Fees and Charges (PDF 155kB).

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For ANZ Rewards, a total Annual Fee of $80 applies which includes a $25 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum, a total Annual Fee of $95 applies, which includes a $40 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total Annual Fee of $375 applies, which includes a $320 Annual Account 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 Account 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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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. ANZ will also waive the cash advance fee if you use your ANZ Rewards Travel Adventures account to withdraw actual cash from a branch or ATM located overseas, however you may incur interest on a cash advance unless the account is in credit (by at least the amount of the cash advance). A cash advance fee will apply to any other cash advances on your account. ATM operator fees may apply.

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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 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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For ANZ Rewards Travel Adventures, a Total Annual Fee of $120 applies which includes a $65 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. The Total Annual Fee information displayed on this page applies to new customers only. Existing customers may be subject to a different Total Annual Fee and should call 13 22 73 for information regarding the Total Annual Fee that applies to their account. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.

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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. Your application must be approved and you must activate the card and make $1,500 worth of eligible purchases within 3 months of approval to receive the 50,000 extra Rewards 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 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 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. Applications for credit are subject to ANZ’s credit approval criteria. The annual fee will be waived in the first year. After the first year, 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) and ANZ Personal Banking General Fees and Charges (PDF 155kB).

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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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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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Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Classic credit card account. Offer only available to existing ANZ customers. This offer cannot be transferred. 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 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 25,000 bonus Qantas Points and have the $30 credited to your credit card account. 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 122 kB). The 25,000 bonus Qantas Points will be credited to your Qantas account and the $30 credited to your credit card account within three months of the eligible spend criteria being met. The $30 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 Classic credit card account before the $30 credit or 25,000 bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Qantas Points or $30 credit 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. The ANZ Frequent Flyer Classic Annual Fee ("Annual Fee") is currently $95 (as at ) but is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges PDF 143kB). Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply.

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For ANZ Frequent Flyer, a total Annual Fee of $95 applies which includes a $40 Annual Account 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 Account 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 Account 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 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 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 $2,500 worth of eligible purchases within three months of approval to receive the 70,000 bonus Qantas Points. 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 70,000 bonus Qantas Points will be credited to your Qantas account within three months of the eligible spend criteria being met. If any repayments are overdue before the 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. The ANZ Frequent Flyer Platinum Annual 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 $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) and ANZ Personal Banking General Fees and Charges (PDF 155kB). Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply.

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Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum credit card account. Offer only available to existing ANZ customers. This offer cannot be transferred. 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 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 $2,500 worth of eligible purchases within three months of approval to receive the 110,000 bonus Qantas Points and have the $200 credited to your credit card account. The $200 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. 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 122 kB). The 110,000 bonus Qantas Points will be credited to your Qantas account and the $200 credited to your credit card account within three months of the eligible spend criteria being met. The $200 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 $200 credit or 110,000 bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Qantas Points or $200 credit 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. The ANZ Frequent Flyer Platinum Annual Fee ("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) and ANZ Personal Banking General Fees and Charges (PDF 155kB). Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply.

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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 130,000 bonus Qantas Points and have the $255 credited to your credit card account. 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 130,000 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. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the $255 credit and 130,000 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 130,000 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. 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 Black credit card account. Offer only available to existing ANZ customers. This is a limited time only offer which may be withdrawn or changed at any time without notice. This offer cannot be transferred. 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 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 $3,000 worth of eligible purchases within three months of approval to receive the 160,000 bonus Qantas Points and have the $225 credited to your credit card account. 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 122 kB). The 160,000 bonus Qantas Points will be credited to your Qantas account and the $225 credited to your credit card account within three months of the eligible spend criteria being met. The $225 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 $255 credit or 160,000 bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Qantas Points or $225 credit 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. The ANZ Frequent Flyer Black Annual Fee ("Annual Fee") is currently $425 (as at Friday ) but is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB). Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply.

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Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Complimentary Invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765. Qantas Club Complimentary Invitations will then be available via the Complimentary Invitations Portal, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use and the account remains open. Qantas Club Complimentary 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 and Qantas reserves the right to cancel invitations that are in breach of this policy. Invitations are valid for 12 months from date of issue. 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. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on qantas.com/qantasclub. Access may not be available if the applicable lounge is full or near capacity at the full discretion of lounge staff. Access and use of Qantas Club lounges is subject to Qantas Club terms and conditions

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Offer only available to ANZ Frequent Flyer Black cardholders who are Australian residents. Offer non-transferable and not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. Customers who are eligible for this offer and contact the Qantas Frequent Flyer Service Centre on 13 11 31 to renew or purchase a new standard one year individual Qantas Club membership using an ANZ Frequent Flyer Black card will receive a joining fee waiver and discount on their standard one-year individual membership rate for Australian residents. Please speak to the Qantas Frequent Flyer Service Centre for current discounts and pricing. Different rates may be available for those with access to the Qantas Club Corporate scheme. Only one joining fee waiver and one membership fee discount available per year, per cardholder. Qantas Club membership is subject to approval by Qantas and to the terms and conditions of The Qantas Club, available at qantas.com/qantasclub.

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Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the ANZ Credit Card Conditions of Use and ANZ Financial Services Guide before acquiring this product.

Eligibility criteria apply to the issue of ANZ Visa Debit Card.

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Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees may apply to foreign currency transactions where an ANZ Access Visa Debit card is accepted. Please refer to ANZ Personal Banking Account Fees and Charges and ANZ Saving & Transaction Products Terms and Conditions for details.

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