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Balance transfer offer

Get your debt sorted

How to make a balance transfer

 

Low rate credit cards

OFFER

0% p.a. for the first 18 months on balance transfers (3% Balance Transfer Fee applies)disclaimer Reverts to standard balance transfer rate, currently 21.74% p.a.  

ANZ Low Rate Platinum

 

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A credit card with a low ongoing interest rate for your everyday purchasesdisclaimer plus Overseas Travel and Medical Insurancedisclaimer


ANZ Low Rate

 

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A credit card with a low ongoing interest rate for your everyday purchasesdisclaimer

Low fee credit cards

OFFER

0% p.a. for the first 18 months on balance transfers (3% Balance Transfer Fee applies)disclaimer Reverts to standard balance transfer rate currently 21.49% p.a.

ANZ Platinum

 

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A simple everyday credit card with $0 annual fee in the first yeardisclaimer plus Overseas Travel and Medical Insurancedisclaimer


ANZ First

 

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A simple everyday credit card with a low ongoing annual fee

Bonus Reward Points offer

Get a great start

Learn about our Rewards programs

 

ANZ Rewards Black

 

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Our highest Reward Pointsdisclaimer earning potential, uncapped flexible rewards, plus access to exclusive events and privileges

OFFER

75,000 Reward Points after first eligible purchase within the first 3 monthsdisclaimer 

ANZ Rewards Platinum

 

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Be rewarded for your everyday purchasesdisclaimer and access a flexible Rewards program with complimentary insurances and Personal Conciergedisclaimer

OFFER

50,000 Reward Points after first eligible purchase within in the first 3 monthsdisclaimer   

ANZ Rewards

 

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Be rewarded for your everyday purchasesdisclaimer and have the flexiblity to redeem points for rewards ranging from gift cards to cashbackdisclaimer and travel

OFFER

25,000 Reward Points after first eligible purchase within the first 3 monthsdisclaimer 

Bonus Qantas Points offer

Start planning your trip

Learn about our Reward programs

 

ANZ Frequent Flyer Black

 

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Our most rewarding Qantas experience with uncapped Qantas Pointsdisclaimer earning, Qantas Club privilegesdisclaimer, access to exclusive events and travel benefits

OFFER

75,000 Qantas Points after first eligible purchase within the first 3 monthsdisclaimer 

ANZ Frequent Flyer Platinum

 

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Earn more Qantas Pointsdisclaimer on everyday purchases with complimentary insurances and Personal Conciergedisclaimer
 

OFFER

50,000 Qantas Points after first eligible purchase within the first 3 monthsdisclaimer

ANZ Frequent Flyer

 

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Earn Qantas Points for your everyday purchasesdisclaimer
 
 

OFFER

25,000 Qantas Points after first eligible purchase within the first 3 monthsdisclaimer 

Annual fee waiver

   

ANZ Platinum

 

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A simple everyday credit card with $0 annual fee in the first yeardisclaimer plus Overseas Travel and Medical Insurancedisclaimer

OFFER

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

All applications for credit are subject to ANZ's credit assessment criteria.

Terms and Conditions available on application. Fees and charges apply.

American Express is a registered trademark of American Express. ANZ American Express cards are issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a licence from American Express.

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Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate, ANZ Low Rate Platinum, 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 3% 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 Low Rate,  for ANZ Low Rate Platinum,  for ANZ First and  for ANZ Platinum 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 (PDF 468kB).

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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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The Overseas Travel and Medical Insurance master policy, the Transport Accident Cover master policy and Rental Excess Cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - Insurance booklet (PDF 366kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

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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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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 113kB). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 113kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate on both their ANZ Rewards American Express card and/or ANZ Rewards Visa card. Existing customers should call 13 22 73 for information regarding the Reward Points earn rate that applies to their account.

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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 or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make an eligible purchase (purchases which are not eligible to earn Reward Points are described in the ANZ Rewards Black - Rewards Program terms and conditions booklet (PDF 1.8MB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points) within three months of approval to receive the bonus Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Black credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. 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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Terms and conditions apply. Please refer to the ANZ Emergency Travel Service & Personal Concierge Terms and Conditions (PDF 92kB) for further information.

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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 or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make an eligible purchase (purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 113kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points) within three months of approval to receive the bonus Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. 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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When you redeem your Reward Points for ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black account within 5 business days.

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Offer available to new and approved applicants who apply for an ANZ Rewards 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 or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make an eligible purchase (purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 113kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Rewards Points) within three months of approval to receive the bonus Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. 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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Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB) and ANZ Frequent Flyer Black Reward Terms and Conditions (PDF 1.67MB). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB) and ANZ Frequent Flyer Black Reward Terms and Conditions (PDF 1.67MB)  for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points. You will not earn Qantas Points in respect of purchases which exceed any advised spend cap. Eligible purchases for each statement period for ANZ Frequent Flyer are capped at $3,000 of eligible purchases across all Visa cards on the account and $3,000 of eligible purchases across all American Express cards on the account, and for ANZ Frequent Flyer Platinum are capped at $6,000 of eligible purchases across all Visa cards on the account and $6,000 of eligible purchases across all American Express cards on the account. No spend cap applies to ANZ Frequent Flyer Black. Bonus Qantas Points may still be earned once eligible purchases made with your card exceed any applicable spend cap. The Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program which are available at qantas.com/terms. Earn rates and spend caps are subject to change. ANZ Frequent Flyer Platinum accounts that were previously named 'ANZ Frequent Flyer Gold' are subject to different earn rates and spend caps. Existing customers may be subject to a different earn rate or spend cap on their account. Existing customers should call 13 22 73 for information regarding their ANZ account.

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Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765. Qantas Club Lounge invitations will be sent to the account holder’s current mailing address within 4 weeks of request, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use (PDF 336 kB) and the account remains open. It is the account holder’s responsibility to ensure that ANZ has their current mailing address. Neither ANZ nor Qantas accept responsibility for any delay in delivery of invitations. Lost or stolen invitations will not be replaced. Damaged invitations may not be accepted. Qantas Club Lounge 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. Invitations are valid for 12 months from date of request and will expire on the date printed on the invitations. 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. Access may not be available if the applicable lounge is full or near capacity. Access and use of Qantas Club lounges is subject to Qantas Club rules which are available at qantas.com/qantasclub.

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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 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 or where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous twelve months.  This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make an eligible purchase (purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Black Reward Terms and Conditions (PDF 1.67MB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points) within three months of approval to receive the bonus Qantas Points. The bonus Qantas Points will be credited to your ANZ account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points. 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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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 or where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous twelve months.  This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make an eligible purchase (purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points) within three months of approval to receive the bonus Qantas Points. The bonus Qantas Points will be credited to your ANZ account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer Platinum credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points. 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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Offer available to new and approved applicants who apply for an ANZ Frequent Flyer 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 or where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card 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 an eligible purchase (purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.8MB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points) within three months of approval to receive the bonus Qantas Points. The bonus Qantas Points will be credited to your ANZ account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points. 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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