ANZ
Access a broad range of ANZ credit cards with competitive rates, flexible limits and strong rewards programs. Fast online approval process available.
The ANZ credit card range offers something for everyone, whether you want low annual fees, competitive interest rates or generous rewards programs. Cards such as ANZ First have a $30 annual fee and interest rates at 20.99% p.a., while premium options like ANZ Rewards Black and ANZ Frequent Flyer Black feature higher rewards and credit limits.
How to Apply for an ANZ Credit Card
- Be at least 18 and an Australian resident or visa holder with 12+ months left
- Have a good credit rating and provide proof of income
- Apply online, in-branch, or by phone with all required documents
- Receive a decision in as little as 60 seconds
- If approved, complete ID verification and activate your card
Pros of ANZ Credit Cards
ANZ offers various cards to match your spending habits and goals, including low-rate, rewards, and frequent flyer cards. Many feature competitive introductory offers, such as cashback or bonus point opportunities.
Additionally, most cards provide up to 55 interest-free days, flexible minimum credit limits starting from $1,000, and easy-to-use online banking features for application and management.
Cons of ANZ Credit Cards
Higher-tier cards like Rewards Black and Frequent Flyer Black come with significant annual fees, which can outweigh benefits for light spenders. Reward points have expiration policies outside Qantas Points.
Interest rates on purchases, except for the Low Rate card, are comparably high, so carrying a balance can be costly over time if not managed carefully.
Our Verdict
ANZ’s variety of credit cards suit a range of needs, with competitive rates and valuable rewards. The streamlined application and customer support options make the process hassle-free. Evaluate your priorities and spending habits to select the ideal card for you.