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Best ANZ Credit Cards

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ANZ Platinum

Balance Transfer Credit CardsANZ Platinum

3.6 from 27 reviews
  • 0% p.a. on Balance Transfers for the first 18 months



  • $0 Annual Fee in the first year

  • Ongoing Annual Fee Waiver: $0 if you make $20,000 in eligible purchases on the card in 12 months

  • Complimentary Overseas Travel Insurance and Purchase Security Insurance

  • Add up to 9 Additional Cardholders at no additional cost



Purchase Rate19.74% p.a.
Annual Fee$87 p.a.
Interest Free Period 55 days
  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee $0
  • 0% p.a. on Balance Transfers for the first 18 months

  • $0 Annual Fee in the first year

  • Ongoing Annual Fee Waiver: $0 if you make $20,000 in eligible purchases on the card in 12 months

  • Complimentary Overseas Travel Insurance and Purchase Security Insurance



  • Add up to 9 Additional Cardholders at no additional cost

  • 2% Balance Transfer Fee

  • 3% International Transaction Fee

  • No attached rewards program


ANZ Rewards Travel Adventures

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsANZ Rewards Travel Adventures

3.6 from 24 reviews
  • 75,000 bonus Velocity Points if you spend $2,500 on eligible purchases in the first 3 months of approval

  • Complimentary return domestic flight and two Virgin Australia lounge passes each year

  • No Overseas Transaction Fee on purchases

  • 1.5 ANZ Reward Points per $1 on eligible purchases up to $2,000 per statement period

  • Complimentary Overseas Travel Insurance

  • Complimentary Extended Warranty Insurance and Purchase Security Insurance

Purchase Rate20.24% p.a.
Annual Fee$225 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points75,000

  • BenefitsComplimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Rewards ProgramANZ Rewards and Velocity Frequent Flyer
  • Points Earn Rates 1.5 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus 75,000 bonus Velocity Frequent Flyer Points when you spend $2,500 on eligible purchases in the first 3 months of approval.
  • 75,000 bonus Velocity Points if you spend $2,500 on eligible purchases in the first 3 months of approval

  • Complimentary return domestic flight and two Virgin Australia lounge passes each year

  • No Overseas Transaction Fee on purchases

  • 1.5 ANZ Reward Points per $1 on eligible purchases up to $2,000 per statement period

  • Complimentary Overseas Travel Insurance

  • Complimentary Extended Warranty Insurance and Purchase Security Insurance

  • High $225 Annual Fee

  • Reviewers mention the complimentary flight is difficult to book (must be booked 2 months prior to flying, also hard to find seats during peak times)

  • Lower earn rate of 0.5 ANZ Reward Points per $1 after the first $2,000 per statement period


ANZ First

Balance Transfer Credit CardsANZ First

3.5 from 25 reviews
  • Low $30 Annual Fee (waived for full-time tertiary students)

  • 0% p.a. on Balance Transfers for 18 months

  • Low minimum credit limit of $1,000 ($500 for students)

Purchase Rate20.24% p.a.
Annual Fee$30 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit $1,000
  • Minimum Income $15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Low $30 Annual Fee (waived for full-time tertiary students)

  • 0% p.a. on Balance Transfers for 18 months

  • Low minimum credit limit of $1,000 ($500 for students)

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee


ANZ Low Rate

Low Rate Credit Cards and Balance Transfer Credit CardsANZ Low Rate

3.2 from 36 reviews
  • Low Interest Rate of 12.49% p.a. on purchases

  • Low Annual Fee of $58

  • 0% on Balance Transfers for 15 months & No Balance Transfer Fee

  • Up to 3 Additional Cardholders at no additional cost

Purchase Rate12.49% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit $1,000
  • Minimum Income $15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple Pay and Google Pay
  • Low Interest Rate of 12.49% p.a. on purchases

  • Low Annual Fee of $58

  • 0% on Balance Transfers for 15 months & No Balance Transfer Fee

  • Up to 3 Additional Cardholders at no additional cost

  • 3% Foreign Transaction Fee

  • Balance Transfers revert to the high Cash Advance Rate of 20.24% at the end of the offer period


ANZ Rewards

Rewards Credit CardsANZ Rewards

2.8 from 52 reviews
  • 25,000 Bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval

  • 1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period

  • Up to 55 interest free days on purchases

Purchase Rate20.24% p.a.
Annual Fee$80 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points25,000

  • Minimum Credit Limit $1,000
  • Minimum Income $15,000
  • Rewards ProgramANZ Rewards
  • Points Earn Rates 1 points per $1
  • Contactless PaymentsApple Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus 25,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval.
  • 25,000 Bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval

  • 1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period

  • Up to 55 interest free days on purchases

  • 3% Overseas Transaction Fee

  • Lower earn rate of 0.5 Reward Points per $1 after the first $1,000 per statement period


ANZ Frequent Flyer Platinum

Frequent Flyer & Travel Credit CardsANZ Frequent Flyer Platinum

3.0 from 15 reviews
  • 0.75 points per $1 for the first $3,000 each statement period

  • Travel insurance and shopping insurance available

  • 50,000 bonus Qantas Points and $100 back when you spend $2,000 in the first 3 months

Purchase Rate19.99% p.a.
Annual Fee$295 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rates 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 50,000 bonus Qantas Points when you spend $2,000 in the first 3 months.
  • 0.75 points per $1 for the first $3,000 each statement period

  • Travel insurance and shopping insurance available

  • 50,000 bonus Qantas Points and $100 back when you spend $2,000 in the first 3 months

  • Points earn rate reduced to 0.5 after $3,000 per statement period

  • $295 annual fee, plus $65 for additional cardholders


ANZ Frequent Flyer

Frequent Flyer & Travel Credit CardsANZ Frequent Flyer

2.4 from 26 reviews
  • 25,000 bonus Qantas Points when you spend $1,000 in the first 3 months

  • Accessible $1,000 minimum credit limit

Purchase Rate19.99% p.a.
Annual Fee$95 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points25,000

  • Minimum Credit Limit $1,000
  • Minimum Income $15,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rates 0.5 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Received 25,000 bonus Qantas Points when you spend $1,000 on eligible purchases in the first 3 months from approval.
  • 25,000 bonus Qantas Points when you spend $1,000 in the first 3 months

  • Accessible $1,000 minimum credit limit

  • Low points earn rate (0.5 per $1 up to $500, 0.25 above $500 per statement period)

  • $65 additional cardholder fee


ANZ Rewards Black

Rewards Credit CardsANZ Rewards Black

3.7 from 7 reviews
  • 100,000 bonus Reward Points and $100 back to your new ANZ Rewards Black on offer

  • Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period (1 Reward Point per $1 thereafter)

  • Complimentary Travel and Shopping Insurances, including Overseas Travel and Medical Insurance

Purchase Rate20.24% p.a.
Annual Fee$375 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

  • BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Minimum Income $75,000
  • Rewards ProgramANZ Rewards
  • Points Earn Rates 2 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 100,000 points when you spend $4000 in the first 3 months and $100 back to your ANZ Rewards Black
  • 100,000 bonus Reward Points and $100 back to your new ANZ Rewards Black on offer

  • Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period (1 Reward Point per $1 thereafter)

  • Complimentary Travel and Shopping Insurances, including Overseas Travel and Medical Insurance

  • $375 Annual Fee

  • 3% Foreign Transaction Fee

  • Minimum Credit Limit of $15,000 may be too high for you


ANZ Rewards Platinum

Rewards Credit CardsANZ Rewards Platinum

3.3 from 3 reviews
  • 50,000 Bonus Reward Points and $50 back to your new ANZ Rewards Platinum on offer

  • Earn 1.5 Reward Points per $1 spen on eligible purchases up to $2,000 per statement period

  • Complimentary Travel and Shopping Insurances, including Overseas Travel and Medical Insurance

Purchase Rate20.24% p.a.
Annual Fee$95 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Rewards ProgramANZ Rewards
  • Points Earn Rates 1.5 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 50,000 bonus Rewards Points and $50 cashback when you spend $2,000 in the first 3 months from approval
  • 50,000 Bonus Reward Points and $50 back to your new ANZ Rewards Platinum on offer

  • Earn 1.5 Reward Points per $1 spen on eligible purchases up to $2,000 per statement period

  • Complimentary Travel and Shopping Insurances, including Overseas Travel and Medical Insurance

  • $95 Annual Fee

  • 3% Foreign Transaction Fee

  • Points Earn Rate drops to 0.5 Reward Points per $1 spent after the first $2,000 per statement period


ANZ Frequent Flyer Black

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsANZ Frequent Flyer Black

3.0 from 9 reviews
  • 100,000 Bonus Qantas Points and $200 cashback on offer

  • Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period

  • Complimentary Travel and Shopping Insurances

  • Two complimentary Qantas Club Lounge invitations every year

Purchase Rate20.24% p.a.
Annual Fee$425 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Minimum Income $75,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rates 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 120,000 bonus Qantas Points and $275 back when you spend $4,000 on eligible purchases in the first 3 months of approval
  • 100,000 Bonus Qantas Points and $200 cashback on offer

  • Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period

  • Complimentary Travel and Shopping Insurances

  • Two complimentary Qantas Club Lounge invitations every year

  • $425 Annual Fee

  • Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $7,500 per statement period

  • 3% Foreign Transaction Fee

  • Minimum Credit Limit of $15,000 may be too high for you