ANZ has credit cards for everyone, whether you need a low rate card, a long balance transfer offer or want to earn Qantas Points. ANZ has its own rewards program and offers low rate cards as well.
As one of Australia's Big Four banks, ANZ offers tons of credit card options for both personal and business use. If you're looking for a rewards or a frequent flyer credit card, you'll earn uncapped points for your everyday spending and redeem them for flights, gift cards, cashback and more.
ANZ Credit Card Offer
ANZ Rewards Black Credit Card
Receive 180,000 bonus ANZ Reward Points Get $150 back on your new card
Eligibility criteria, terms and conditions, fees and charges apply
ANZ Credit Card Offer
Get 180,000 bonus ANZ Reward Points and $150 back, plus complimentary travel and purchase insurance with this black-tier card.
180,000 bonus ANZ Reward Points and $150 back when you spend $3,000 in the first 3 months
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Types of credit cards from ANZ
ANZ balance transfer offers
If you want to pay off a credit card that's from another bank or brand, applying for an ANZ credit card with a 0% balance transfer offer gives you a way to save on interest during the introductory period. There is a minimum balance transfer amount of $100 and you can request up to 95% of your available credit limit.
ANZ Rewards credit cards
ANZ Rewards credit cards let you earn points per $1 spent on your everyday spending, which you can redeem for rewards including digital gift cards, cashback on your account and frequent flyer point transfers to Asia Miles, Air New Zealand Airpoints, Singapore Airlines KrisFlyer and Velocity Frequent Flyer.
ANZ frequent flyer credit cards
If you're a Qantas Frequent Flyer member, you can choose from 2 ANZ Frequent Flyer credit cards that offer Qantas Points per $1 spent on your everyday spending. The ANZ Frequent Flyer Platinum and ANZ Frequent Flyer Black also offer more premium perks like complimentary international travel insurance and airport lounge passes.
Get more value: As well as earning points per $1 spent, ANZ rewards and frequent flyer credit cards can offer thousands of introductory bonus points to new cardholders. If you're eligible, you'll get rewards faster – which can also help justify the card's costs when you first get it.
ANZ low rate cards
The ANZ Low Rate card offers a 13.74% p.a. interest rate for purchases. This card also helps keep costs down with a relatively low annual fee.
ANZ business credit cards
ANZ offers a mix of rewards and lower cost business credit cards. These cards give you a way to keep track of business spending, with features including additional cards for employees, fraud monitoring and daily data feeds for accounting software including Xero, MYOB and Intuit QuickBooks Online.
What do Australians think of ANZ credit card provider?
3.97/5 overall for Customer Satisfaction — lower than the average of 4.06
4.33/5 for Trust — lower than the average of 4.4
3.92/5 for Customer Service — lower than the average of 4.06
Our expert says: Is an ANZ credit card right for you?
"With any Big Four bank you know you're getting a decent app and a big variety of cards to pick from. ANZ has long balance transfer offers of up to 30 months at 0%, which is great. Although the 3% balance transfer fee is a little higher than the best offers. The ANZ Black cards score very well in the frequent flyer and rewards categories: ANZ won the best Qantas Frequent Flyer card, the best rewards card and the best Business Rewards Card at the 2024 Finder Credit Card Awards."
Every ANZ credit card comes with its own mix of features, but these are the benefits you'll get with any of them:
Mobile payments. You can add your ANZ credit cards to digital wallets like Apple Pay, Google Pay and Samsung Pay, so you can pay straight from your mobile phone or device:
Instalment plans. ANZ credit cards offer instalment plans you can use to pay off purchases interest-free over 3, 6 or 12 months. You can set up a plan for eligible purchases through the ANZ app, then repay the balance in fixed amounts over your chosen period of time. There's a one-time setup fee for the instalment plan based on the value of the enrolled purchase balance and the term you choose:
1.5% for a 3-month instalment plan
3.5% for 6-month instalment plan
6.5% for a 12-month instalment plan
ANZ credit card security. Every ANZ credit card comes with 24/7 security protection through ANZ Falcon, which detects and notifies you of any unusual account activity. You're also covered by the ANZ Fraud Money Back Guarantee and Visa Secure for online shopping.
Eligibility criteria
Before you can apply for an ANZ credit card, there are a few eligibility boxes you need to tick. Each card has slightly different details for who can apply, but all Citi cards include the following:
Australian residency. You can apply for an ANZ credit card if you are an Australian citizen, permanent resident or a non-permanent resident with more than 12 months remaining on your Visa.
Credit history. You should have a good credit history and credit score. If you're not sure what's on your credit file, it only takes a few minutes to get a free copy of your report and score.
Age. You must be at least 18 years of age.
How long does it take to apply?
It takes less than 20 minutes to apply online when you have all the details you need for the application form.
Once you complete and submit this secure form, you'll get a response within 60 seconds with details of the next steps for your application.
Information and documents you need to apply
ANZ credit card applications are made up of a mix of details everyone needs to fill in, and information that's specific to your Australian residency and how you earn income. This includes the following:
Personal details. This includes your full name, date of birth and contact details. You also need to provide documents that show proof of your ID and address, such as your driver's licence, your Australian passport, Medicare card or a copy of your visa.
Financial details. You need to provide information about your income and assets, including savings or investment returns, as well as regular expenses such as your mortgage payments, rent, utility bills and supermarket shopping.
Employment details. You need to supply information on your current employment status, income and your employer's contact details. You also need to include payslips or bank statements that show at least 3 months of employment and regular income, or 6 months if you're employed as a casual.
If you're self-employed. You need to include your accountant's name, the accountancy firm and your accountant's contact number. You also need to include your most recent Tax Assessment Notice and other documents showing your business profits and losses.
If you're retired or on a pension. You need to provide details about your finances and supporting documentation, such as your most recent pension statement, an annual superannuation statement with an indexed pension amount and 3 months of personal bank statements showing regular credits or cash deposits.
Get income from a mix of sources? Include as much supporting documentation as possible for your application or call ANZ on 13 22 73.
What happens after you apply?
You will get a response and application reference number within 60 seconds of submitting your application. ANZ will contact you within 2 business days if you need to provide any more information before a decision is made.
If you're approved, you should get a welcome pack sent in the mail within 5 business days.
Frequently asked questions
If your credit card is lost or stolen, call ANZ immediately on 1800 033 844 in Australia or +61 3 8693 5077 if you're overseas. For other enquiries, you can use one of the following numbers:
General credit card enquiries about an existing ANZ account: 13 22 73
For new ANZ credit card applications: 13 33 33.
If you have an ANZ frequent flyer credit card, your Qantas Points will be credited to your account within 48 hours of the date your ANZ credit card statement is issued.
You can cancel your ANZ credit card through Internet banking or by filling in a form on the ANZ website.
You can also cancel your account by calling ANZ on 13 22 73, visiting a branch or mailing a written request to ANZ.
Note that you'll need to pay the full account balance, including any annual fees and interest charges, before your account can be fully closed.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
Amy's expertise
Amy has written 565 Finder guides across topics including:
This business rewards credit card offers 100,000 bonus ANZ Reward Points, transfers to Qantas Frequent Flyer and data feeds for accounting software. So is it right for you?
The ANZ Frequent Flyer Black has a competitive bonus Qantas Points offer and perks including Qantas Club Lounge invitations and complimentary insurance. Weigh up if it's worth the $425 annual fee.
The ANZ Rewards Platinum Credit Card offers a competitive rewards program, 100,000 bonus ANZ Reward Points and a range of complimentary insurance covers.
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