| Credit Card | Best ANZ Credit Card For | Annual Fee | ANZ First | Low Annual Fee & Cashback Offer | $30 | ANZ Low Rate | Low Rate & Balance Transfer | $0* | ANZ Rewards Black | ANZ Reward Points | $375 | ANZ Frequent Flyer Black | Qantas Points | $425 |
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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 by choosing a credit card type and filtering the Provider by ANZ.
ANZ First
Why We Like It
The ANZ First is more of a basic credit card with a low annual fee of $30 p.a.
This card is offering a $220 cash back when you make at least $1,500 on eligible purchases within the first 3 months. (This deal is available to new credit card customers only).
Its interest rate on purchases is 20.99% 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.
Extra Perks
◇ Get yourself up to 3 additional cards at no cost.
◇ Have more access to fun with its complementary 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.
ANZ Low Rate
Why We Like It
ANZ Low Rate has a low rate of 13.74% p.a. and a sweet balance transfer offer of 0% for 26 months with a 3% transfer fee.
Up to 95% of the ANZ card's limit can be used for balance transfers, and up to 55-days interest free on new purchases is still provided during balance transfer promotional period. After the balance transfer term finishes any remaining balance will be subjected to its cash advance rate of 21.99% p.a.
Currently has no annual fee in the first year with its balance transfer offer, or an annual fee of $58 p.a 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 Perks
◇ Like all ANZ credit cards this card can be used to make payments through Apple Pay, Google Pay, Samsung Pay and on smartwatch wearables Fitbit and Garmin.
Income Eligibility
No set minimum income required.
ANZ Rewards Black
Why We Like It
Has a hot offer of 130,000 bonus Reward points and $100 back when you spend $5,000 on eligible purchases in the first 3 months from approval on the ANZ Rewards Black. Then another 50,000 Reward points when you keep your card open for over 15 months. 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 24 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 ANZ Rewards 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 20.99% p.a. with up to 55 days interest free when the statement balance is paid by the due date. The annual fee is $375 per annum and the minimum credit limit is on the higher end at $15,000.
Extra Perks
◇ 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.
◇ 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 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
Why We Like It
The ANZ Frequent Flyer Black not only earns you Qantas points but has a super bonus offer!
You can score 90,000 Qantas points and $200 back when you spend $5,000 on eligible purchases in the first 3 months of approval. Then another 40,000 Qantas points when you keep the card for over 12 months. 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 24 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 20.99% 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 Perks
◇ Comes with complimentary 2 Qantas Club lounge access passes each year and a discounted first year Qantas club membership for new members.
◇ Get access to Exclusives ANZ to get exclusive invitations to events in entertainment and lifestyle.
◇ 24/7 concierge services are at your service for whenever you need assistance with booking or planning your traveling or events.
◇ Complimentary travel related insurances include overseas travel and medical, interstate flight convenience insurance and rental vehicle excess cover in Australia.
◇ Shop with more peace of mind with its eligible extended warranty, and 90-day purchase protection on eligible items worldwide.
Income Eligibility
No set minimum income is required.