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ANZ offers a range of credit cards that could suit your lifestyle. Compare the features of each of our cards online to help select the one with the right benefits. 

• See which credit card is right for you.

Other cards
		Prepaid cards	Give the gift of choice with ANZ Visa Gift Cards
		Business cards	Choose the right ANZ business credit card for your business
		Debit cards	Get more from your everyday bank account with ANZ Access Visa Debit

Existing cardholder centre - Offers, hints and tips for existing ANZ credit card holders

1. Offer only available to applicants who apply for the balance transfer by 30 June 2013. Not available on ANZ Balance Visa, ANZ Frequent Flyer or ANZ Frequent Flyer Platinum. Offer available to balances transferred from non-ANZ credit or store cards only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ credit card. For new ANZ credit card accounts the balance transfer must be requested at the time of applying for or, at the time of activating your new ANZ credit card account. For new card applicants, the balance transfer interest rate reverts to the standard variable interest rate applicable to purchases on your card after 9 months from the date the card application is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. For transfers to an existing ANZ credit card, the balance transfer interest rate reverts to the standard variable interest rate applicable to purchases on your card after 9 months from the date the balance transfer request is processed by us. The standard variable interest rate is 13.14% p.a. on purchases and 21.49% p.a. on cash advances for ANZ Low Rate and ANZ Low Rate Platinum and 19.39% p.a. on purchases and 20.99% on cash advances for ANZ Platinum, ANZ First, ANZ Rewards and ANZ Rewards Platinum, as at (View current rates) and is subject to change. Terms and conditions apply to balance transfers (please call 13 13 14 for a copy). Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use.

2. 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. If you are a member of the Sphere Rewards Program your Rewards Program services fee will continue to apply regardless of your annual eligible purchases spend.

3. Overseas travel and medical insurance Master Policy is underwritten by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL No. 239545. Terms, conditions, eligibility criteria, limits and exclusions apply. To activate cover under the overseas travel and medical insurance Master Policy, you must meet the eligibility criteria: you must be a permanent resident of Australia, have debited at least $250 worth of eligible overseas travel arrangements to your Platinum card account prior to departing Australia, have a current Platinum card account at the date of any claimable event, have a return ticket to Australia and be 80 years of age or under. Please refer to the ANZ Platinum Cards Insurance booklet (PDF 680kB) - Part 1 QBE Product Disclosure Statement and policy wordings for more information and to decide whether or not this product is right for you. While overseas, we recommend that you carry proof of your overseas travel arrangements purchased on your Platinum Credit Card.

4. Flexible payment options are available for domestic or overseas purchase transactions of $500 AUD or more made using your ANZ Platinum account at an eligible merchant (“qualifying transaction”). An eligible merchant is any travel agent, online travel booking sites, airline or hotel, or any merchant ANZ advises as being an eligible merchant for the purposes of determining whether flexible payment offers are available. For more information visit ANZ Platinum Travel benefits.

5. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards Program terms and conditions (PDF 336kB) (please call 13 13 14 for a copy). Purchases exclude cash, cash equivalent transactions and premiums paid for ANZ Credit Card Insurance. 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.

6. Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Reward terms and conditions (please call 13 13 14 for a copy). Purchases exclude cash, cash equivalent transactions and premiums paid for ANZ Credit Card Insurance. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. A joining fee may apply. Membership of the Qantas Frequent Flyer program and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Classic Awards are subject to capacity controls and availability is strictly limited. Some flights may not have Classic Award seats available. To find out more visit the Qantas website. ANZ is the credit provider and credit licensee (or registered person) under the National Consumer Credit Laws. The points information displayed on this page applies to new customers only. Existing customers may be subject to a different Points earn rate on both their ANZ Frequent Flyer American Express® card and/or ANZ Frequent Flyer Visa card. Existing customers should call 13 22 73 for information regarding the Points earn rate that applies to their account.  

7. Rental excess cover Master Policy is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL No. 239545. To activate cover under the Rental excess cover Master Policy you must continue to be a current Platinum cardholder. Terms, conditions, limits and exclusions apply. Please refer to the ANZ Platinum Cards Insurance booklet (PDF 680kB) - Part 1 QBE Product Disclosure Statement and policy wordings for more information and to decide whether or not this product is right for you.

8. This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the Qantas website This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas.

9. The standard variable interest rate is (View current rates) on purchases and (View current rates) on cash advances for ANZ First Visa, (View current rates) on purchases and (View current rates) on cash advances for ANZ Platinum, (View current rates) on purchases and (View current rates) on cash advances for ANZ Frequent Flyer, (View current rates) on purchases and (View current rates) on cash advances for ANZ Frequent Flyer Platinum, (View current rates) on purchases and (View current rates) on cash advances for ANZ Low Rate, (View current rates) on purchases and (View current rates) on cash advances for ANZ Balance Visa, (View current rates) on purchases and (View current rates) on cash advances for ANZ Rewards and (View current rates) on purchases and (View current rates) on cash advances for ANZ Rewards Platinum. These rates are current as at (View current rates) and are subject to change.

10. Rewards points are not earned on cashback transactions to your account. Rewards points accrue in accordance with the ANZ Balance Visa Rewards Program terms and conditions (call ANZ on 13 13 14 for a copy).

11. Interest free days do not apply if you do not pay your closing balance (which includes any outstanding balance transfers, cash advances, purchases and promotional plans) in full by the due date each month.  Payments to your account are applied in the order set out in the ANZ Credit Cards conditions of use.

12. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer credit card or ANZ Frequent Flyer Platinum credit card by 30 June 2013. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The 20,000 Bonus Qantas Frequent Flyer points offer applies only once per new ANZ Frequent Flyer account. The 40,000 Bonus Qantas Frequent Flyer points offer applies only once per new ANZ Frequent Flyer Platinum account. Your application must be approved and you must activate the card and make your first eligible purchase (excluding cash, cash equivalent transactions, balance transfers and premiums for ANZ credit card insurance) within ninety days of approval to receive the Bonus Qantas Frequent Flyer points, which will be credited to your account within three months of your first eligible purchase. If you transfer or cancel your new ANZ credit card account before the introductory Bonus Points are processed to your account, you may become ineligible for these Bonus Points. Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Reward Program Terms and Conditions. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. A joining fee may apply. Membership of the Qantas Frequent Flyer program and the earning and redemption of points is subject to the Terms and Conditions of the Qantas Frequent Flyer program. 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.

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 license from American Express.

Terms and conditions are available on application.

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