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Low Fee credit cards

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

A simple everyday credit card with $0 annual fee in the first yeardisclaimer plus complimentary insurancesdisclaimer

OFFER

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

disclaimer

Interest on cash advances

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Interest on standard balance transfers

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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

PLUS

Cashrewards Max

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

A simple everyday credit card with a low ongoing annual feedisclaimer

OFFER

0% p.a. for 12 months on purchases and $30 back to your new ANZ First credit card.disclaimer New Card. Reverts to standard purchase rate, (currently ) after 12 months.disclaimerT&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $30).

The important numbersdisclaimer

Annual fee

$30
 

Interest on purchases

disclaimer

Interest on cash advances

disclaimer

Interest on standard balance transfers

disclaimer

Promotional interest rate on purchases
New Card. Reverts to standard purchase interest rate (currently ) after 12 months.disclaimer

  

0% p.a. for the first 12 monthsdisclaimer

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)

PLUS

Cashrewards Max

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

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

   

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. 

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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 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. 

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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 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.

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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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For 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.

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Refer to the Premium Cards - Insurances, Insurance Policy Information booklet for further information. Eligibility criteria may include making a purchase with your 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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Offer only available to new and approved credit card applicants who apply for an ANZ First 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 First credit card account for a period of 12 months from the date of account approval. At the end of this offer period, new purchases and any purchases that remain unpaid will become subject to the standard purchases annual percentage 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. This offer applies only once per eligible customer. Your application must be approved and you must activate the card for the $30 to be credited to your credit card account within 3 months of approval. 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 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, 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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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 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.

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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 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.

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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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