Credit CardBest ANZ Credit Card ForAnnual Fee
ANZ FirstLow Annual Fee$30
ANZ Low RateLow Rate & Balance Transfer$0*
ANZ Rewards BlackANZ Reward Points & Cashback offer$375
ANZ Frequent Flyer BlackQantas Points & Cashback Offer$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 compare all of ANZ's credit cards on Kredmo.

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ANZ First

  • Annual Fee: $30.

  • Purchase Rate: 20.24% p.a. 

  • 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 when the balance is paid off each month. 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 25 months with 1.5% transfer fee.

  • Annual Fee: $0 in 1st year. Thereafter it's $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 25 months with a 1.5% transfer fee.

After the balance transfer term finishes any remaining balance will be subjected to its cash advance rate of 20.24% p.a.

Currently has an annual fee promo of $0 in the first year and $58 p.a thereafter. And a minimum credit limit of $1,000, making it an overall competitive card in the market. 

Tip - If you're struggling to pay your credit card balance, then here are 5 tips for paying off your credit card fast

 

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:

No set minimum income required.

 

ANZ Rewards Black

  •  Bonus Offer: 130,000 Reward points & $150 back. 

  • 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 130,000 bonus Rewards points and $150 back when you spend $2,000 on eligible purchases in the first 3 months from approval on the ANZ Rewards Black. Be aware, the bonus offer is only available to new ANZ Rewards cardholders or those who haven’t held an ANZ Rewards card within the last 12 months.

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 spent after that.  

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 when the statement balance is paid by the due date. The annual fee is $375 p.a. and the minimum credit limit is on the higher end at $15,000.

 

Extra Benefits:  

Can have up to 9 additional cardholders but at the cost of $65 each, which is a bit of a drawback. 

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: 120,000 Qantas points & $200 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 120,000 Qantas points and $200 cash back when you spend $3,000 on eligible purchases in the first 3 months of approval. However, this offer is only available to new ANZ Frequent Flyer cardholders or those who haven’t held an ANZ Frequent Flyer card within the last 12 months.

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

Collect 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. On this card the point earnings are uncapped, so the sky is the limit!

Interest rates on the card are set at 20.24% p.a. coupled with an annual fee of $425 p.a. Its minimum credit limit is $15,000. And as long as you pay the statement balance off by due date each month you'll get up 55 days interest-free.  

 

Extra Benefits:  

Comes with complimentary 2 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.

Shop with more peace of mind with its eligible extended warranty, best price guaranteed for eligible purchases in Australia, and 90-day purchase protection on eligible items worldwide. 

 

Income Eligibility: 

No set minimum income is required. 

 

We hope you found our list of best of ANZ credit cards for 2021 helpful! Feel free to comment below with your thoughts on our blog.

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