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Our lowest rate on purchasesdisclaimer
on standard transfersdisclaimer
ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.
Earn cashback from more than 2,000 popular retailers when you shop through Cashrewards.disclaimer
ANZ Instalment Plans could be a handy way to repay your eligible credit card purchases over 3, 6 or 12 months.
Approval, eligibility and T&Cs apply. Fees and charges may apply.
An easy way to pay using your ANZ credit card on your compatible mobile device.disclaimer And, if you need a replacement card, digital cards are faster than the post.
28-month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promotional period, currently disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $58 thereafter).
when you spend $1,500 on eligible purchases in the first 3 months from approvaldisclaimer
T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $58).disclaimer
$1,000 Minimum credit limit
Up to 55 Interest-free days on purchasesdisclaimer
on purchasesdisclaimer
on cash advancesdisclaimer
on balance transfersdisclaimer
Promotional interest rate on Balance Transfers with our new card offerdisclaimer
$58 Annual Feedisclaimer
Up to 3 additional cardholders
no cost for additional cardholders
For details about all applicable fees & charges please refer to the ANZ Credit Cards Conditions of Use (PDF) and ANZ Consumer Credit Cards Fees and Charges (PDF).
To apply for an ANZ Low Rate credit card, you’ll need to:
Not sure if you’re eligible?
Call our credit card specialists on 13 22 73.
You’ll need:
Start your application online. We’ll call you back within 2 business days to help you complete it.
Or call 13 33 33
Available Monday to Friday, 8am to 8pm
Annual fee waived each year if you spend $20,000 or more on eligible purchases (less refunds or reversals)disclaimer
$6,000
Minimum credit limit
$87
Current annual feedisclaimer
Earn $100 credit back to your new card
when you spend $2,000 on eligible purchases in the first 3 months from approval of your new ANZ Platinum credit card.disclaimer
T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $87 thereafter).disclaimer
This credit card has the lowest annual feedisclaimercompared to all other ANZ credit cards.
$1,000
Minimum credit limit
$30
Current annual feedisclaimer
Earn $125 credit back to your new card
when you spend $750 on eligible purchases in the first 3 months from approval of your new ANZ First credit card.disclaimer Plus, get a $0 annual fee in the first year.disclaimer
T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $30 thereafter).disclaimer
ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.
Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs.disclaimer
An embedded card microchip makes it harder for your card to be fraudulently copied.
Compare each card’s features, considerations and fees to help you choose.
A healthy budget helps with peace of mind and a greater sense of financial wellbeing. But where to get started?
There are some potential pitfalls to watch out for when it comes to credit cards. See how to make your repayments work for you.
Make sure you avoid late payment fees with things like due date reminders and direct debits.
With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Creducation is an online educational series that explores credit card interest, making payments, balance transfers and more.
Our team are available Monday to Friday from 8am to 8pm (AEST).
We're here to answer your application questions and help you get started.
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
Falcon® is a registered trademark of Fair Isaac Corporation.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
The standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at and is subject to change.
ReturnThe annual fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Consumer Credit Cards Fees and Charges (PDF).
ReturnCashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply. Please visit Cashrewards for further details.
ReturnMobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF), Fitbit Pay (PDF) and Garmin Pay (PDF).
ReturnApplications for credit are subject to ANZ’s eligibility and credit approval criteria. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice.
Offer available in respect of balance transfers requested from Australian non-ANZ credit and store cards only at the time of applying for the new ANZ credit card. ANZ will process the balance transfer requested and any applicable fees up to 95% of your approved credit limit. Depending on the credit limit we approve, this might be less than the full amount of the amount of balance transfer you request when you apply.
The balance transfer Promotional Plan annual percentage rate expires 28 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 28 months the standard balance transfer 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 currently for ANZ Low Rate Card, 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).
See the ANZ Credit Card Conditions of Use (PDF) and the ANZ Consumer Credit Cards Fees and Charges (PDF) for more information about fees and charges. If you transfer to a different credit card account this offer will cease to apply.
The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 3% of the balance transferred and will be applied at the time the balance is transferred and forms part of the Promotional Plan balance.
After the first year an annual fee applies, currently $58. Please see the ANZ Consumer Credit Cards Fees and Charges (PDF) and ANZ Credit Cards Conditions of Use (PDF).
ReturnOffer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
Eligible applicants must meet the spend criteria within 3 months of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer.
Eligible purchases include purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions, and will not qualify.
The $250 will generally be credited to your credit card account within three months meeting the spend criteria. The $250 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ.
You will not be eligible for the $250 back if your credit card account is cancelled, suspended, transferred, or you are in default or breach of the ANZ Credit Card Conditions of Use (PDF).
ReturnInterest 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 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, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF). Existing customers should review their credit contract for information regarding their account.
ReturnThe annual fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at and is subject to change. For applicable fees and charges please see the ANZ Consumer Credit Cards Fees and Charges (PDF).
ReturnOffer is for new and approved credit card applicants and is limited to one offer per applicant.
ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your ANZ Credit Card Account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $125 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $125 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $125 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached the ANZ Credit Card Conditions of Use (PDF).
ReturnAfter the first year an annual fee applies, currently $30. Please see the ANZ Consumer Credit Cards Fees and Charges (PDF) and ANZ Credit Card Conditions of Use (PDF).
ReturnThe ANZ Platinum Annual Fee will be waived in the first year. In each subsequent year, if Eligible Purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next Annual Fee will be waived. The date Purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last Annual Fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your Annual Fee) and ends on the day your next Annual Fee would be charged. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of Eligible Purchases excluding refunds and reversals 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.
ReturnOffer is for new and approved credit card applicants and is limited to one offer per applicant.
ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you are in default or breached the ANZ Credit Card Conditions of Use (PDF).
ReturnRefer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF).
ReturnCompared to if the account holder had paid their Closing Balance in full each month.
ReturnThe information provided in the Minimum Repayment Warning is provided as a guide only. It provides an estimate of how long it will take an account holder to pay off a credit card Closing Balance for a particular month if the account holder only pays the Minimum Monthly Payment each month. It shows how much interest the account holder could end up paying assuming the account holder makes no new transactions and fees and interest rates do not change.
ReturnNot all transactions (e.g., at ANZ cash advances) get the benefit of interest-free days. Refer to the applicable credit contract for details of which (if any) transactions are eligible for interest-free days.
Return