Low Fee credit cards
If you want a simple everyday credit card, we have cards with a low ongoing annual fee for you.
ANZ Platinum

A simple everyday credit card with $0 annual fee in the first yeardisclaimer plus complimentary insurancesdisclaimer
0% p.a. for 17 months on purchases.disclaimer Reverts to standard purchase rate, currently disclaimer T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $0 for the first year, $87 thereafter).disclaimer
The important numbersdisclaimer
Annual fee
$0 first year, $87 after that (or $0 if you make $20,000 of eligible purchases in 12 months)disclaimer
Interest on purchases | |
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Interest on cash advances | |
Interest on standard balance transfers | |
Promotional interest rate on purchases | 0% p.a. (for 17 months on purchases)disclaimer |
PLUS
Shop with extra security and confidence
ANZ Falcon™ provides round-the-clock-transaction monitoring
PLUS
Complimentary insurancesdisclaimer for your travel and purchases
(terms, conditions, exclusions and eligibility criteria applydisclaimer, including using your eligible card to make the purchase)
For overseas travel:
For travel within Australia:
For your purchases:
PLUS
24/7 Personal Concierge
A Personal Concierge, accessible 24 hours a day
ANZ First

A simple everyday credit card with a low ongoing annual feedisclaimer
0% p.a. for 18 months on balance transfers (2% Balance Transfer Fee
The important numbersdisclaimer
Annual fee
$30
Interest on purchases | |
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Interest on cash advances | |
Interest on standard balance transfers | |
Interest on promotional balance transfers Reverts to standard balance transfer rate, currently | 0% p.a. (for 18 months)disclaimer |
PLUS
Shop with extra security and confidence
ANZ Falcon™ provides round-the-clock-transaction monitoring
PLUS
Complimentary insurancesdisclaimer for your shopping
(terms, conditions, exclusions and eligibility criteria applydisclaimer, including using your eligible card to make the purchase)
Need more details?
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
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.
Back to topComplimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Premium Cards – Insurances, Insurance Policy Information booklet 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.
Back to topOffer only available to new and approved credit card applicants who apply for an ANZ Platinum credit card account with the purchase rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. If you transfer to a different credit card account during the offer period, the standard purchases annual percentage rate applicable on the new credit card account will apply to any unpaid purchases balance. The lower interest rate of 0% p.a. will apply to purchases on your ANZ Platinum credit card account for a period of 17 months from the date of account approval. Any purchases that remain unpaid at the end of this period will become subject to the standard purchases annual percentage rate applicable to your credit card account. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card.
Back to topStandard 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.
Back to topFor details about all applicable fees & charges please refer to your Letter of Offer, ANZ Credit Cards Conditions of Use, ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.
Back to topRefer to the Premium Cards - Insurances, Insurance Policy Information booklet for further information. Eligibility criteria may include making a purchase with your card.
Back to topThe Annual Account Fee ("Annual Fee") for ANZ First is currently $30 as at and is subject to change.
Back to topOffer only available to new and approved credit card applicants who apply for an ANZ First credit card account with the balance transfer. This is a limited time only offer which may be withdrawn or changed at any time without notice. Offer available in respect of balances transferred from non-ANZ credit and store card accounts only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. The offer must be requested at the time of applying for the credit card. The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 2% of the balance transferred and will be applied at the time the balance is transferred and form part of the Promotional Plan balance. The Promotional Plan annual percentage interest rate expires 18 months after the date the credit card application is approved, and after the first 18 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is for ANZ First 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.
Back to topStandard annual percentage interest rate is on purchases, on cash advances and on standard balance transfers as at and is subject to change.
Back to topPurchase 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 third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the Group Policy are set out in the ANZ Credit Cards Insurance Features booklet (PDF 156kB) 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.
Back to topQantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes and reversed or refunded transactions will not earn Points. Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.
Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet (or call 13 22 73 for a copy), e.g. fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points.
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