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 cards can also be linked with major digital wallets including Apple Pay, Samsung Pay and Google Pay.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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. Just keep in mind that the balance is from credit or store card accounts not issued by ANZ.
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 3 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, which is 7.45 percentage points lower than the average standard credit card interest rate in Australia (currently 19.82% p.a.). 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.
Benefits of getting a credit card with ANZ
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
ANZ credit cards can be added to any of these digital wallet apps so you can pay straight from your mobile phone or device:
Apple Pay
Google Pay
Samsung Pay
Fitbit Pay
Garmin Pay
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. This is similar to how most buy now pay later plans work, but is directly through your credit card. 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
As an example, if you set up a 6-month instalment plan for a $2,000 purchase, this fee would be $70 and you'd get 0% interest on that balance during the instalment plan period. There's also no charge for cancelling or repaying plans early.
Instalment plans for part of your balance
ANZ also offers instalment plans for existing balances, with reduced or promotional interest rates for terms of 3, 6 or 12 months. You can view these options through the ANZ app or your online account. Check out Finder's guide to credit card instalment plans for more details on how this feature works and different options on the market.
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 9 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, contact details, your family situation and whether you rent or own a home. You also need to provide documents that show proof of your ID and address, such as your driver's licence, a recent utility bill, your Australian passport, Medicare card or a copy of your visa.
Financial details. You will 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 will 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 will 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 will 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.
Credit card details
During the application, you'll be asked about details of your new credit card. The two key details to look at are the following:
Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just keep in mind that ANZ will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
Balance transfers. If you're moving a debt to a new ANZ credit card with a 0% balance transfer rate, you need to include the account details and the amount of debt you want to transfer. Note that the balance transfer is approved separately and the amount that's transferred depends on the credit limit you get for your new ANZ card.
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 is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
With 100,000 bonus Qantas Points, waived annual fees in the first year and complimentary insurances, the ANZ Qantas Business Rewards Credit Card could be an appealing option for business owners.
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.
With a mix of business expense management tools, rewards and introductory bonus points, see if the ANZ Business Rewards Options Credit Card is right for you.
The ANZ Rewards Platinum Credit Card offers a competitive rewards program, 80,000 bonus ANZ Reward Points and a range of complimentary insurance covers.
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