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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 18 months on balance transfers (2% Balance Transfer Fee applies)disclaimer Reverts to standard balance transfer rate currently disclaimer Eligibility criteria, T&Cs, fees and charges apply.

The important numbersdisclaimer

Annual account 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

disclaimer

Interest on standard balance transfers

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Interest on promotional balance transfers

Reverts to standard balance transfer rate, currently   

0% p.a. (for 18 months)disclaimer
(2% Balance Transfer Fee)

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

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

OFFER

0% p.a. for 18 months on balance transfers (2% Balance Transfer Fee applies)disclaimer Reverts to standard balance transfer rate currently disclaimerEligibility criteria, T&Cs, fees and charges apply.

The important numbersdisclaimer

Annual account fee

$30
 

Interest on purchases

disclaimer

Interest on cash advances

disclaimer

Interest on standard balance transfers

disclaimer

Interest on promotional balance transfers

Reverts to standard balance transfer rate, currently   

0% p.a. (for 18 months)disclaimer
(2% Balance Transfer Fee)

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)

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 Master Policies to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allow eligible ANZ account holders and cardholders to claim under the Master Policies as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the Master Policies are set out in the Premium Cards - Insurances Policy Information booklet (PDF 366kB) and the ANZ Credit Cards Insurance Features booklet (PDF 111.5kB) which may be amended from time to time. 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 First or ANZ Platinum credit card account with the balance transfer.  This is a limited time only offer which may be withdrawn or changed at any time without notice. Offer available in respect of balances transferred from non-ANZ credit and store card accounts only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. The offer must be requested at the time of applying for the credit card. The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 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 and  for ANZ Platinum as at Monday 20 June 2017 and is subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF 468kB).

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Standard annual percentage interest rate 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 Premium Cards - Insurance Policy Information booklet (PDF 366kB) for further information. Eligibility criteria may include making a purchase with your card.

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Standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at and is subject to change.

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90-day Purchase Security 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 Master Policies to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit license 234527 which allow eligible ANZ account holders and cardholders to claim under the Master Policies as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the Master Policies are set out in the ANZ Credit Cards Insurance Features booklet (PDF 437kB) 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, e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes, 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 (PDF 87kB) (please call13 13 14 for a copy). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB), e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points.

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