Credit CardBest ANZ Credit Card ForAnnual Fee
ANZ FirstLow Annual Fee$30
ANZ Low RateLow Rate & Balance Transfer$58
ANZ Rewards Travel AdventuresTravel$225
ANZ Rewards BlackANZ Reward Points$375
ANZ Frequent Flyer BlackQantas Reward Points$425

Being one of the big four banks in Australia and the biggest in New Zealand, the ANZ has some very competitive credit card products. The best ANZ credit cards available across the different categories are some of the best in the market. 

ANZ credit cards really excel when it comes to bonus points and cashbacks offers, travel and balance transfers. All of ANZ's credit cards are VISA and thus on the worldwide VISA payment network.

You can also compare all of ANZ's credit cards directly on ANZ credit cards website or our site Kredmo

ANZ First

  • Annual Fee: $30.

  • Purchase Rate: 20.24%. 

  • Extras: Purchase protection.

Why We Like It:

The ANZ First is more of a basic credit card with a low annual fee of $30 p.a. 

Its purchase interest rate is 20.24% p.a. with up to 55 days interest free. It has a minimum credit limit of $1,000. 

Students however can apply for the ANZ First for Students that has a mininum credit limit of $500 and $0 annual fee in the first year for tertiary students. 

 

Extra Benefits:  

Get yourself up to 3 additional cards at no cost.

Have more access to fun with its complimentary membership with Visa Entertainment. With it you can get special offers and discounts to events and entertainment. 

When shopping online or in-store it's always great to have its purchase protection cover. And for purchased goods within Australia you could use its extended warranty insurance. 

 

Income Eligibility: 

No set minimum income is required for the ANZ First. However, the ANZ First Student does have a $15,000 minimum income. 

 

ANZ Low Rate

  • Purchase Rate: 12.49% p.a.

  • Balance Transfer: 0% for 15 months with no transfer fee.

  • Annual Fee: $58.

Why We Like It:

ANZ Low Rate has a low rate of 12.49% p.a. and a sweet balance transfer offer of 0% for 15 months with no transfer fee.

With its balance transfer, after the term finishes any remaining balance will be subjected to a 21.74% p.a.

Plus, it has a relatively low annual fee of $58 and minimum credit limit of $1,000, making it an overall competitive card in the market. 

 

Extra Benefits:  

Once you have the card, you'll be granted free membership to Visa Entertainment, giving you access to cool and special offers, ticket pre-sales and movie screenings. 

 

Income Eligibility:

The minimum income required is $15,000.

 

ANZ Rewards Travel Adventures

  • Lounge: 2 Virgin single entry lounge access passes per year. 

  • Extras: No foreign transaction fees.

  • Annual Fee: $225.

Why We Like It:

Look no further than the ANZ Rewards Travel Adventure for an awesome all-round travel credit card. 

Save on those transaction fees when you travel overseas or shop online on international websites with its no foreign transactions fees. 

Each year you'll receive a complimentary Virgin Australia return domestic flight; if you spend $500 on eligible purchases in the first three months (flight must be booked 60 days before your travel). 

Plus, it has two single entry passes to the Virgin Australia domestic lounge when traveling on a Virgin domestic flight (offer is only available when $500 spent in the first three months). 

Its purchase rate is standard at 20.24% p.a. with an annual fee of $225, and its minimum credit limit is $6,000. 

 

Extra Benefits:  

While on an oveseas adventure stay covered with a full suite of insurance benefits. Inclusive of complimentary overseas travel and medical insurance, interstate flight inconvenience insurance, and rental excess cover.

Also, have your own personal concierge 24/7 to assist you with hotel or car rental bookings or restaurants and more. 

Purchase your online or in-store goods with more confidence with its free purchase security insurance. 

Want to earn reward points as you shop? Collect 1.5 Reward points per $1 spent on eligible purchases up to $2,000 per statement period. And get 0.5 Reward points per $1 spent on eligible purchases above $2,000.

Finally, get ahead with point earnings with its bonus offer of 75,000 Velocity points when you spend $2,500 on eligible purchases within 3 months of the approval date. 

 

Income Eligibility: 

Minimum income is required is $35,000.

 

ANZ Rewards Black

  •  Bonus Offer: 150,000 Reward points. 

  • Points Per $1 Spend: 2 Reward points on purchases of up to $5,000 per statement period and 1 Reward point thereafter. 

  • Annual Fee: $375.

Why We Like It:

Has a hot offer of 150,000 bonus Rewards points when you spend $4,000 on eligible purchases in the first 3 months from approval on the ANZ Rewards Black

Its reward points are uncapped! You'll collect 2 Reward points per $1 on purchases for up to $5,000 per statement period. Then 1 Reward point per $1 when above $5,000 per statement period. 

You can redeem Reward points for gift cards, cashback, travel and more. Or for frequent flyer points such as Velocity points, Air New Zealand Airpoints Dollars, Singapore Airlines KrisFlyer miles or Asia Miles. 

Its purchase rate is 20.24% p.a. with up to 55 days interest free. The annual fee is $375 and minimum credit limit is $15,000.

 

Extra Benefits:  

Get up to 9 additional card holders at $65 each. 

Hands you complimentary access to Exclusives by ANZ for exclusive entertainment offers. 

And if you love to travel, you'll be happy to know it comes with free international travel insurance, interstate flight inconvenience, rental vehicle excess in Australia and transit accident insurance. 

When you shop your eligible purchases will have free purchase protection, guaranteed pricing scheme and extended warranty.

If you ever need help making bookings for dining, entertainment, travel and more you'll have access to your own 24/7 personal concierge to assist you. 

 

Income Eligibility: 

No set minimum income is required. 

 

ANZ Frequent Flyer Black

  • Bonus Offer: 125,000 bonus Qantas points & $275 cashback bonus.

  • Points Per $1 Spend: 1 Qantas point for spend up to $7,500 and 0.50 Qantas points furthermore. Bonus 1 point for Qantas products or services. 

  • Annual Fee: $425.

Why We Like It:

The ANZ Frequent Flyer Black not only earns you Qantas points but it has a super bonus offer!

You can score 125,000 Qantas points and $275 cash back offer when you spend $4,000 on eligible purchases in the first 3 months of approval.

On everyday purchases, earn 1 Qantas point per $1 spent on eligible transactions up to $7,500 per statement period. On purchases above $7,500 you then receive 0.5 Qantas points per $1 spend.

And earn extra points on Qantas products or services with 1 bonus Qantas point per $1 spent. See the list of ANZ non-eligible purchases @ 23.Exceptions. Its point earnings are uncapped, so the sky is the limit!

Interest rates on the card are set at 19.99% p.a. coupled with an annual fee of $425 p.a. Its minimum credit limit is $15,000. 

 

Extra Benefits:  

Comes with complimentary two Qantas Club lounge access passes each year and a discounted first year Qantas club membership for new members.

You'll get access to Exclusives ANZ and VISA Entertainment to get exclusive invitations to events in entertainment and lifestyle.

Whenever you need assistance with booking or planning your traveling or events, its 24/7 concierge services are at your service. 

Its complimentary travel related insurances include overseas travel and medical, interstate flight convenience insurance and rental excess cover.

Do your shopping with more peace of mind with its eligible extended warranty, best price guaranteed and 90-day purchase protection.   

 

Income Eligibility: 

The minimum income required is $75,000.

 

We hope you found our list of best of ANZ credit cards for 2020 helpful! Feel free to comment below with your thoughts on our blog.

Check out our other similar credit card lists below:

Top Amex bonus points offers 

 

To get more similar related blogs and helpful tips, feel free to drop your email at the bottom of our homepage. Or follow us on FacebookInstagram or Twitter