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ANZ Credit Cards Compare Rates, Points & Perks

Explore ANZ credit cards for rewards, frequent flyer points and lower interest rates. See how fees, offers and card benefits compare to find one that suits your needs.

Checked by Kredmo team.

Updated on 20 Aug, 2026
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See which cards could give you the most value based on your spending.

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Rewards & Frequent Flyers

4 Credit Cards

Credit Card

  • Bonus Offer
  • Points Per $
  • Annual Fee
  • Net Rewards
ANZ Rewards Black
ANZ Rewards Black
  • Bonus Offer 180,000
    ANZ Reward Points
  • Points Per $ 1 - 2 pts
  • Annual Fee $375
  • Net Rewards
    $-
Go To Site
ANZ Rewards Black
  • Top 5 Everyday Rewards
  • $100 Cashback
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 20.99% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $375
Additional Cardholders: Up to 9 additional cardholders for a $65 annual fee per card
Interest Free Days: 55 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $20
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Bonus Points Offer: 180,000 ANZ Reward Points . 110,000 Reward points when you spend a minimum of $5,000 on eligible purchases in first 3 months from approval. Then another 50,000 Reward points when you keep your card open for over 15 months. Offer is only available to new ANZ Rewards cardholders or those who haven’t held an ANZ Rewards card within the last 12 months.
Points Per $1 Spend: 2 ANZ Reward points on eligible purchases up to $5,000 and then 1 ANZ Reward point after in each statement period.
Point Earning Limit: Uncapped
Flyer Points Conversion Rate: 1 ANZ Rewards point = 0.5 Velocity points.
Cashback Offer: $100 when you spend a minimum of $5,000 on eligible purchases in first 3 months from approval.
Redeem Points: 11,115 Reward points gets you a $50 gift card or 12,500 points for $50 cashback. 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
ANZ Rewards Platinum
ANZ Rewards Platinum
  • Bonus Offer 125,000
    ANZ Reward Points
  • Points Per $ 0.5 - 1.5 pts
  • Annual Fee $149
  • Net Rewards
    $-
Go To Site
ANZ Rewards Platinum
  • $50 Cashback
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 20.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $149
Additional Cardholders: Up to 9 additional cardholders for a $65 annual fee per card
Interest Free Days: 55 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $20
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Bonus Points Offer: 125,000 ANZ Reward Points . 85,000 Reward pointsand $50 back when you spend $3,500 on eligible purchases in first 3 months from approval. Then another 40,000 Reward points when you keep your card open for over 15 months. Offer is only available to new ANZ Rewards cardholders or those who haven’t held an ANZ Rewards card within the last 12 months.
Points Per $1 Spend: 1.5 ANZ Reward points on eligible purchases up to $2,000 and then 0.5 ANZ Reward points after in each statement period.
Point Earning Limit: Uncapped
Flyer Points Conversion Rate: 1 ANZ Rewards point = 0.5 Velocity points.
Cashback Offer: $50 when you spend $3,500 on eligible purchases within 3 months from approval.
Redeem Points: 11,115 Reward points gets you a $50 gift card or 12,500 points for $50 cashback. 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
  • Bonus Offer 80,000
    Qantas Points
  • Points Per $ 0.5 - 1 pts
  • Annual Fee $425
  • Net Rewards
    $-
Go To Site
ANZ Frequent Flyer Black
  • Top 5 Premium
  • Qantas Lounge Access
  • Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Qantas Club lounge access passes per year and discounted 1st year Qantas Club membership
    Travel Services
    Free Qantas Frequent Flyer membership
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Entertainment
    Exclusives by ANZ & VISA Entertainment
Purchase Interest Rate: 20.99% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $425
Additional Cardholders: Up to 9 additional cardholders for a $65 annual fee per card
Interest Free Days: 44 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $20
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Exclusives by ANZ & VISA Entertainment
Airport Lounge: 2 Qantas Club lounge access passes per year and discounted 1st year Qantas Club membership
Travel Services: Free Qantas Frequent Flyer membership
Bonus Points Offer: 80,000 Qantas Points . 90,000 Qantas points when you spend a minimum $5,000 in first 3 months of approval. Then another 40,000 Qantas points when you keep your card open for over 12 months. 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.
Points Per $1 Spend: 1 Qantas point on eligible purchases up to $7,500 and then 0.5 Qantas points after in each statement period. 1 bonus Qantas point on selected Qantas products and services in Australia.
Point Earning Limit: Partially Uncapped
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
  • Bonus Offer 40,000
    Qantas Points
  • Points Per $ 0.5 - 1 pts
  • Annual Fee $295
  • Net Rewards
    $-
Go To Site
ANZ Frequent Flyer Platinum
  • Frequent Flyer Points
    Frequent Flyer Points
    Travel Services
    Free Qantas Frequent Flyer membership
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Entertainment
    Visa Entertainment
Purchase Interest Rate: 20.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $295
Additional Cardholders: Up to 9 additional cardholders for a $65 annual fee per card
Interest Free Days: 44 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $20
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Visa Entertainment
Travel Services: Free Qantas Frequent Flyer membership
Bonus Points Offer: 40,000 Qantas Points and $100 back when you spend $2,500 on eligible purchases in first 3 months from approval. 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.
Points Per $1 Spend: 0.75 Qantas points on eligible purchases up to $3,000 and then 0.5 Qantas points after in each statement period. 1 bonus Qantas point on selected Qantas products and services and bonus partners.
Point Earning Limit: Uncapped
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
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Low Rates / No Annual Fees

3 Credit Cards

Credit Card

  • Rate
  • Rate Offer
  • Annual Fee
  • BT Offer
  • Min Income
ANZ Low Rate
ANZ Low Rate
  • Rate 13.74%
  • Rate Offer -
  • Annual Fee $58
  • BT Offer 0% for 26 months
  • Min Income -
Go To Site
ANZ Low Rate
  • Top 3 Balance Transfer Offers
  • Top 5 Cashback Offers
  • $400 Cashback
  • Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 13.74% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $58
Minimum Credit Limit: $1,000
Annual Fee Offer: $0 in 1st year with BT Offer
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $20
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Balance Transfer Rate: 0% p.a. for 26 months
Max BT Amount: 95% of the credit limit
Balance Transfer Fee: 3%
Interest Free Days With BT: Yes
BT After Rate: 21.99% p.a.
BT After Rate: 21.99% p.a.
ANZ First
ANZ First
  • Rate 20.99%
  • Rate Offer -
  • Annual Fee $30
  • BT Offer -
  • Min Income -
Go To Site
ANZ First
  • $220 Cashback
  • Shopping Protection
    Purchase Protection
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Entertainment
    Visa Entertainment
Purchase Interest Rate: 20.99% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $30
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $20
Purchase Protection: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Entertainment: Visa Entertainment
ANZ Platinum
ANZ Platinum
  • Rate 20.99%
  • Rate Offer -
  • Annual Fee $87
  • BT Offer -
  • Min Income -
Go To Site
ANZ Platinum
  • Top 3 Cashback Offers
  • $450 Cashback
  • Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $87
Minimum Credit Limit: $6,000
Annual Fee Offer: $0 in 1st year then $87 if spend less than $20,000 yearly
Additional Cardholders: Up to 9 additional cardholders at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $20
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Show more
Tips & Tools

Essential Tips and Tools for Smart Borrowing

Tip 1 Image
ANZ Rewards Program: Everything You Need to Know
Tip 2 Image
Best Rewards Credit Cards in Australia
Tip 3 Image
What Are the Best ANZ Credit Cards?
Tip 4 Image
Best Frequent Flyer Credit Cards in Australia
Blog & Resources
Guide

ANZ Credit Cards Guide

How We Rank the ANZ Rewards Cards

At Kredmo, we use a data-driven Value Methodology to rank every card on this page:

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    Sign-Up Bonus Impact: We analyze the true value of 100k+ bonus point or cash-back offers after meeting minimum spend.
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    Points Weighted Earn Rate: We calculate the "dollar per points" value from from actual aveage Australian household spending splits (e.g., 35% Groceries, 15% Fuel, 20% Utilities) to show to best estimate what you could earn.
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    Capped and Uncapped Points: We calculate the earn rate caps or "Tiered Earn Rates" for cards with both spending amount maximums and point earning maximums.
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    Redeem Points Dollar Value: We calculate the dollar value from earned rewards points for reach rewards program for each redeem category cash back, gifts cards, domestic and international flights.
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    Cost Efficiency: We factor in the cost of the annual fee so to evaluate whether your rewards earned outweigh the annual fee or not to reveal the Year 1 Net Profit. Ensuring your rewards are an asset, not an expense.

How Kredmo Calculates Your Net Rewards $ Value

At Kredmo, we believe transparency is the key to choosing the right credit card. Our Net Rewards $ Value is a data-driven estimate of the net Rewards financial benefit you could receive during your first year of card membership.

  1. We use a specific three-step formula to convert complex bonus points or cashback offers into a clear dollar figure:

    1
    Sign-Up Bonus Valuation: We convert the headline bonus points (e.g., 100,000 points) into a dollar value based on a conservative redemption average of 0.5 to 1.0 cents per point. This represents the standard "floor value" for redemptions like digital gift cards and cashback in the Australian market.
  2. 2
    Annual Spend Projections: We calculate the points earned from your projected annual spending based on the card's specific earn rate (e.g., 1.25 points per $1 spent). We then convert
    these points into their equivalent dollar value to show what your "monthly" spending is actually worth.
  3. 3
    The 'Net Value' Deduction: To find the final figure, we subtract the first-year annual fee from the total sum of points and cash back expected to be earned. The resulting Rewards $ Value shown in our table represents your true "New Rewards $ Value"—in terms of Reward points and cash back of the value you receive after the card has paid for itself.
    Note: Our calculations assume you pay your statement balance in full each month. Because rewards credit cards carry high interest rates (often 20% p.a. or more), interest charges are not factored into this value as they would quickly negate the benefits earned.
Trust!

Why Trust
Kredmo?

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    80+ Cards Compared: We track over 20+ Australian providers to give you a full market view, not a filtered one.
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    User-First Logic: Our rankings are built on data-driven “Value Methodology,” not whether we have a partnership with provider or not.
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    Total Independence: We show you the best credit cards currently available in the Australian market and give you the tools to make the best decision for your unique financial journey.
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    Licensed: We operate under ACL 518788.