Low Fee Credit Card

Apply online for an ANZ First Visa

ANZ First Visa

• Low annual account fee
• Up to 44 interest free days
• Design your card with an image of your choice²

Low Rate Credit Card

Apply online for an ANZ Low Rate MasterCard

ANZ Low Rate MasterCard

• 0% balance transfer rate for the first six months¹
• 12.99% p.a. Low interest rate
• Design your card with an image of your choice²

The credit card that rewards you
for reducing your balance

Apply online for an ANZ Balance Visa

ANZ Balance Visa

• 13.99% p.a. purchase interest rate
• Redeem Reward Points for Cashback, Shopping Vouchers and Gift Cards⁶
• Design your card with an image of your choice²

Gold Credit Card with insurance
protection

Apply online for an ANZ Gold

ANZ Gold

• Overseas Travel & Medical Insurance⁴
• Travel benefits
• Up to 55 days interest free on purchases

Flexible Rewards Credit Card

Apply online for an ANZ Rewards Visa

ANZ Rewards Visa

• Earn Reward Points on everyday purchases⁵
• Redeem vouchers and merchandise
• Choose a gold or classic card

Frequent Flyer Rewards
Credit Card

Apply online for an ANZ Frequent Flyer Visa

ANZ Frequent Flyer Visa

• Earn Qantas Frequent Flyer Points³
• Earn points when you spend³
• Classic, gold and platinum cards

Visa Debit Card

Apply online for an ANZ Everyday Visa Debit

ANZ Everyday Visa Debit

• Worldwide Visa acceptance
• No credit application necessary
• Your choice of card design

Gift Card

ANZ Pre-paid

• Worldwide Visa acceptance
• Your choice of card design
• The perfect gift

Business Credit Cards

ANZ Business One Credit Card

• Flexible day-to-day business expense management
• Help manage cash flow
• Interest-Free Days, Low Rate or Rewards options

Terms and conditions are available on application.
Fees and charges apply. Standard variable rate is 12.99% p.a. on purchases and 20.99% p.a. on cash advances for ANZ Low Rate MasterCard, 19.49% p.a. for ANZ First Visa, 13.99% p.a. on purchases and balance transfers and 20.99% p.a. on cash advances for ANZ Balance Visa, 19.49% p.a. ANZ Gold and 20.74% p.a. for ANZ Frequent Flyer Visa, 20.74% p.a. for ANZ Rewards Visa as at Monday, 12 May 2008 and is subject to change.

¹ Not applicable when you transfer and close an existing ANZ credit card. The balance transfer must be completed at the time of applying for or, at the time of activating your new credit card. The balance transfer interest rate reverts to the standard variable interest rate applicable to purchases on your card after six months from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate applicable to purchases. Interest accrues on balance transfers from the date the transfer is processed by ANZ.

² Subject to Designmycard Image Guidelines and Terms and Conditions.

³ Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Visa Reward Terms and Conditions (please call 13 22 73 for a copy). Limits apply to the number of points you can earn in a monthly statement cycle. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer Points. A joining fee applies. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program.

⁴ Overseas Travel and Medical Insurance is underwritten by AIG Australia (ABN 67 007 483 267). Terms and conditions apply. For more information, please call 13 22 73. To be eligible for ANZ Gold Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your ANZ Gold prior to departing Australia, and have a return ticket to Australia within four months of departure and be under 80 years of age.

⁵ Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards Visa - Rewards Program Terms and Conditions (please call 13 22 73 for a copy).

⁶ Reward Points are not earned on cashback transactions to your account.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation (DUNS) ABN 074 664 715. ANZ's colour blue is a trademark of ANZ.