Credit Cards

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Low Rate

Current offer: 0% p.a. on balances transferred from non-ANZ cards to a new card for the first 16 months then unpaid balance reverts to the standard annual percentage interest rate on balance transfers, currently loading product data(View current rates)1

Choose ANZ Low Rate or upgrade to ANZ Low Rate Platinum:

ANZ Low Rate
ANZ Low Rate Mastercard

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Low loading product data(View current rates) interest rate on purchases1



 

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ANZ Low Rate Platinum
ANZ Low Rate Platinum

ANZ Low Rate Platinum

Low loading product data(View current rates) interest rate on purchases1 plus platinum benefits

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Low Fee

Current offer: 0% p.a. on balances transferred from non-ANZ cards to a new card for the first 16 months then unpaid balance reverts to the standard annual percentage interest rate on balance transfers, currently loading product data(View current rates)1

Choose ANZ First or upgrade to ANZ Platinum:

ANZ First
ANZ First

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An everyday credit card with a low $30 annual fee



 

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ANZ Platinum
ANZ Platinum

ANZ Low Rate Platinum

First year annual account fee waiver6 plus platinum benefits


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Rewards

Current offer: Get 50,000 bonus Rewards Points after your first eligible purchase plus $0 Total Annual Fee for the first year.2

ANZ Rewards

ANZ Rewards

Earn Rewards Points5 for everyday purchases

ANZ Rewards Platinum

ANZ Rewards Platinum

Earn more Reward Points5 plus platinum benefits

ANZ Rewards Black

ANZ Rewards black

Earn Reward Points5 plus greater travel privileges

Frequent Flyer

Current offer: 50,000 bonus Qantas Points. Spend of $1,500 on eligible purchases required.3
ANZ Frequent
Flyer

ANZ Frequent Flyer

Qantas Points4 earning potential

ANZ Frequent Flyer Platinum

ANZ Frequent Flyer Platinum

Qantas Points4 earning potential plus platinum benefits

ANZ Frequent Flyer Black

ANZ Frequent Flyer Black

Earn Qantas Points4 even faster plus a more rewarding Qantas Experience

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

1. Offer only available to new and approved applicants who apply for an ANZ First, ANZ Platinum, ANZ Low Rate or ANZ Low Rate Platinum credit card account with the balance transfer by 27 October 2014. Offer available in respect of 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 account. The balance transfer must be requested at the time of applying for, or activating, the credit card. The Promotional Plan annual percentage interest rate expires 16 months after the date the credit card application is approved, and any amounts forming part of the relevant Promotional Plan balance at that time will be allocated to the standard balance transfers balance of the credit card account. The standard annual percentage interest rate is loading product data(View current rates) on purchases and standard balance transfers and loading product data(View current rates) on cash advances for ANZ Low Rate and ANZ Low Rate Platinum as at loading product data(View current rates) and is subject to change. The standard annual percentage interest rate is loading product data(View current rates) on purchases and standard balance transfers and loading product data(View current rates) on cash advances for ANZ First and ANZ Platinum as at loading product data(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. Offer available to new and approved applicants who apply for an ANZ Rewards, ANZ Rewards Platinum and ANZ Rewards Black credit card account by 27 October 2014. The bonus Reward Points and fee waiver offer is not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The bonus Reward Points offer applies only once per new ANZ Rewards, ANZ Rewards Platinum and ANZ Rewards Black credit card account. Your application must be approved and you must activate the card and make your first eligible purchase (excluding fees, cash, cash equivalent transactions, balance transfers and premiums for ANZ credit card insurance) within thirty days of approval to receive the bonus Reward Points, which will be credited to your account within four months of your first eligible purchase. If you transfer or cancel your new ANZ Rewards, ANZ Rewards Platinum and ANZ Rewards Black credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. 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.  The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards, a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee. After the first year for ANZ Rewards Platinum, a Total Annual Fee of $149 applies, which includes a $94 Annual Account Fee and a $55 Rewards Program Service Fee. After the first year for ANZ Rewards Black, a Total Annual Fee of $375 applies, which includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee. After the first year, for additional cardholders on ANZ Rewards, ANZ Rewards Platinum and ANZ Rewards Black, an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

3. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card account by 27 October 2014. The bonus Qantas Points offer is not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The bonus Qantas Points offer applies only once per new ANZ Frequent Flyer, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card account. Your application must be approved and you must make $1,500 worth of eligible purchases (excluding fees, cash, cash equivalent transactions, balance transfers and premiums for ANZ credit card insurance) within three months of approval to receive the bonus Qantas Points. The bonus Qantas Points will be credited to your account within four months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points. 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.  ANZ reserves the right to withdraw this offer at anytime.

4. Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions (please call 13 13 14 for a copy). Eligible purchases exclude cash, cash equivalent transactions and premiums paid for ANZ Credit Card Insurance. You will not earn Qantas Points in respect of purchases which exceed any advised spend cap. Eligible purchases for each statement period for ANZ Frequent Flyer are capped at $3,000 of eligible purchases across all Visa cards on the account and $3,000 of eligible purchases across all American Express cards on the account, and for ANZ Frequent Flyer Platinum are capped at $6,000 of eligible purchases across all Visa cards on the account and $6,000 of eligible purchases across all American Express cards on the account. No spend cap applies to ANZ Frequent Flyer Black.  Bonus Qantas Points may still be earned once eligible purchases made with your card exceed any applicable spend cap. The Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points.  A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program which are available at qantas.com/terms. Earn rates and spend caps are subject to change.  Existing customers may be subject to a different earn rate or spend cap on their account.  Existing customers should call 13 22 73 for information regarding their ANZ account.

5. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions (PDF 948kB) (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. 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.

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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