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 * Personal
    * Personal
    * Bank accounts Everyday/savings accounts & term deposits
    * Credit cards Low interest rate, rewards frequent flyer & platinum
    * Home loans Investing, refinancing & buying property
    * Personal loans Debt consolidation, buying a new or used car, renovations
      and more
    * Insurance Home, life, mortgage and car insurance
    * Investing & super Investing, advice, super, retirement & ANZ Share
      Investing
    * Travel & international Travel and foreign exchange
    * Ways to bank Internet & mobile banking, branches, ATMs & more
    * Financial wellbeing Tools, tips, insights to help you get on top of your
      money
    * ANZ Private High net worth wealth and investment management
    * ANZ Financial Advice Financial advice as unique as you
    * Intermediary deposits A service for third party advisers offering ANZ
      deposit products
    * ANZ security centre Helps keep your banking details secure
   
   Sign up to the ANZ Financial Wellbeing Challenge, a free 6-week email course
   to help you get financially fit. Did we mention it’s fun too?
   
   Let’s do it

 * Business
    * See all Business
    * Loans and overdrafts Check out our flexible loans and cash flow options to
      seize your next business opportunity
    * Business credit cards Grow your business potential with one of our
      business credit cards
    * Business accounts Accounts and term deposits to help you manage your cash
      flow and earn interest
    * Merchant and payments From EFTPOS machines to online payments, we have
      solutions to meet all your in-person payment needs
    * Online banking Choose from a range of online banking options depending on
      your business needs
    * International business Grow your business with our tailored international
      trade and foreign exchange solutions
    * Staff and super Staff management and superannuation products to strengthen
      your staff relationships
    * Business financial advice Grow, protect and plan for the future with
      financial advice as unique as your business
    * ANZ Business Hub Your one-stop shop for practical tools, content and
      articles that will help you move your business forward, one step at a time
   
   Explore more
    * Business banking offers
    * Cash flow solutions
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    * Find my local business banker

 * Institutional
    * Institutional & Corporate
    * Industries Industry advice and support across a range of key sectors
    * Our expertise Our banking credentials, global reach and areas of expertise
    * Solutions World-class banking solutions tailored to suit your business
      needs
    * Research and insights In-depth research, insights and analysis from our
      dedicated teams
    * ANZ Digital Services All your banking platforms such as Transactive -
      Global, Transactive Trade, FX Online and more
    * Online security Stay protected from ever-changing cybersecurity threats
    * Global network We operate in 33 markets around the world, including 14
      markets across Asia
    * ANZ Research Global economics, industry research & forecasts
    * Rates, fees, terms, taxes and disclosures Rates, fees, terms, and taxes
      for our products
    * Contact us Contact details for Institutional and Corporate customers
   
   We've redesigned our
   Institutional & Corporate website
   
   To access your digital banking platforms, visit ANZ Digital Services.
   
   Information on Markets, International services and FX, Transaction services
   and Financing can now be found under Solutions.

Find ANZ Support Centre
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 * Cards & offers landing page
   * Credit cards
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     * ANZ Rewards Platinum
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     * How to redeem rewards
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 * Compare and apply landing page
 * Credit card educationlanding page
 * Manage my card landing page
   * Manage my card
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   * Forms and brochures
   * ANZ Rewards website update
   * ANZ Balance Visa product changes
   * Reduce your credit limit or close your account
   * ANZ's Concierge Service
   * What to do when you travel overseas
   * How we protect your card
   * Balance transfers


Find ANZ Support Centre
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 * Personal
 * Credit cards

Find ANZ Support Centre


CHOOSE THE CREDIT CARD THAT'S A GOOD FIT FOR YOU

With ten cards to choose from, it’s easy to find a card to suit your lifestyle
and goals.
 

Compare our cards


JUMP TO

Anchor links

Current promotions

Why get a credit card?

Know what you'd like?

Learn about credit cards

Manage your card

Your questions answered




OUR CURRENT PROMOTIONS


0% P.A. FOR 30 MONTHS ON BALANCE TRANSFERS WITH NO BALANCE TRANSFER FEE AND $0
ANNUAL FEE IN FIRST YEAR

with a new ANZ Low Rate credit cardSuperscript: 1

Learn more

It only takes around 5 minutes to apply.

Reverts to standard balance transfer rate, currently 20.24% p.a.Superscript:
2after 30 months. T&Cs, eligibility criteria, fees and charges apply (including
annual fee, currently $0 for the first year, $58 thereafter).Superscript: 1




JOIN CASHREWARDS MAX

Access cashback offers when you join Cashrewards Max and link your eligible ANZ
credit card. T&Cs apply.

Explore Cashrewards Max





KEEP IT SIMPLE WITH ANZ PLATINUM

Our simple everyday credit card comes with complimentary insurancesSuperscript:
3and $0 annual fee in the first yearSuperscript: 4(it’s $87 from year two).

Read on





READY TO BE REWARDED WITH ANZ REWARDS PLATINUM?

Get rewarded for your everyday purchases and access a flexible rewards program.
Welcome to our platinum rewards experience. 

What's the deal?






A CARD CAN GIVE YOU...


TIME TO PAY

ANZ offers up to 55 days without interest on eligible purchases.Superscript: 5


DIGITAL WALLETS

Tap and go with your compatible phone or wearable device wherever you can make
contactless payments.


GREAT REWARDS

We have four types of cards to choose from. Our Rewards and Frequent Flyer cards
let you earn points towards gift cards, cash back or airline points.


A CREDIT CARD MAY BE SUITABLE IF YOU WANT...

WORLDWIDE RECOGNITION

Visa cards are accepted at millions of locations, ATMs and online stores across
the globe. All 10 of our credit cards use Visa.

A CREDIT LIMIT

Different credit limits are available, starting from $1,000, $6,000 or $15,000
depending on the card.

USEFUL FEATURES

Looking for a card with low rates, low fees, rewards or freqent flyer points?
ANZ has a range of cards for you to consider.

 


ALREADY KNOW WHAT YOU'RE AFTER?


 


I WANT REWARD POINTS

Our rewards cards

 


I WANT LOW FEES

Our low annual fee cards


I WANT QANTAS POINTS

Our frequent flyer cards

 


I WANT LOW INTEREST RATES

Our low interest rate cards

 


CHOOSE THE CARD FOR YOU

It's important you understand the benefits, features and trade-offs all our
cards have to offer. See them side by side and make the best decision for you.

Compare all our credit cards


BUDGETING AND CREDIT CARD EDUCATION

TIPS TO FIT YOUR BUDGET TO YOUR SPENDING

A healthy budget helps with peace of mind and a greater sense of financial
wellbeing. But where to get started?

Let’s take a look

 



HOW TO MANAGE YOUR CREDIT CARD DEBT

There are some potential pitfalls to watch out for when it comes to credit
cards. See how to make your repayments work for you.

Show me

SEE HOW BALANCE TRANSFERS WORK

Here, we look at some key concepts relating to balance transfers and how they
work.

Read on



THINGS TO KNOW ABOUT PAYING OFF YOUR CARD

Make sure you avoid late payment fees with things like due date reminders and
direct debits.

Learn more

UNDERSTAND YOUR CREDIT CARD INTEREST

Here are some things that could help you minimise the interest you pay.

What to look out for




MANAGE YOUR CARD

 * Get help using your card
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 * Redeem your rewards
   Icons / 133 Next / Filled Created with Sketch.
 * See your insurances
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 * Report a lost or stolen card
   Icons / 133 Next / Filled Created with Sketch.

 * Order a replacement card
   Icons / 133 Next / Filled Created with Sketch.
 * Query or dispute a transaction
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 * Reset your PIN
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 * View our gambling guidelines
   Icons / 133 Next / Filled Created with Sketch.


CONNECT WITH OUR
SPECIALISTS



CALL US

Our team are available Monday to Friday from 8am to 8pm (AEST).

Call 13 22 73

 



GET HELP WITH YOUR APPLICATION

We're here to answer your application questions and help you get started.

Request a callback



LOST OR STOLEN CARD?

Report a missing card online or call us right away.

Report online

Call 1800 033 844



VISIT US IN PERSON

Book an appointment at your local branch or see a map of our branch locations.

Book an appointment 

Find a location or specialist




YOUR QUESTIONS ANSWERED


WHAT IS A CREDIT CARD?

A credit card is a credit facility which allows you to borrow money from the
bank to make purchases and get cash advances. Each credit card has a credit
limit which is the amount you have been approved to spend on your card. Read
“What is a credit limit” in our FAQ for more information on credit limits.

When you take out a credit card you agree to pay back the money you borrow plus
any applicable interest, fees and charges. Learn more about ANZ’s interest
rates, fees and charges.


WHAT HAPPENS IF I MISS THE DUE DAY FOR A REPAYMENT?

You must be sure you will be able to repay a credit card before you take one
out. If you miss a repayment due date you may have to pay interest and other
fees and charges. It’s really important to understand your payment obligations
and how credit card statements are structured. Our credit card education section
contains a lot of useful information on your payment obligations and how credit
cards work.


IMPORTANT INFORMATION

Applications for credit are subject to ANZ’s credit approval criteria. Terms and
conditions, and fees and charges apply. Australian credit licence number 234527.



1. Offer only available to new and approved credit card applicants who apply for
an ANZ Low Rate credit card account with the balance transfer. This is a limited
time only offer which may be withdrawn or changed at any time without notice.
Offer available in respect of balances transferred from non-ANZ credit and store
card accounts only. Not available in conjunction with other offers, packages or
promotions or in respect of balances transferred from an existing ANZ account.
This offer applies only once per eligible customer. ANZ will process the balance
transfer requested and any applicable fees up to 95% of your available credit
limit. The balance transfer must be requested at the time of applying for the
credit card. Offer only applies to balance transfers requested at the time of
applying for the credit card.

The ANZ Low Rate Annual Account Fee (“Annual Fee”) will be waived in the first
year from the date you accept the letter of offer (“First Year”). The Annual Fee
will be charged on the first statement of account after the end of the First
Year and annually thereafter. The Annual Fee is currently $58 (as at Friday, 16
August 2019) but is subject to change. For applicable fees and charges please
see the ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking
General Fees and Charges.

The balance transfer Promotional Plan annual percentage rate expires 30 months
after the date the credit card application is approved, and after the first 30
months the standard balance transfers annual percentage rate will apply to any
unpaid Promotional Plan balance. The standard balance transfers annual
percentage rate is 20.24% p.a. for ANZ Low Rate as at Friday, 16 August 2019 and
is subject to change. Terms and conditions apply to balance transfers. Payments
to your account are applied in accordance with the ANZ Credit Cards Conditions
of Use.

Return

2. The standard annual percentage interest rate is 12.49% p.a. on purchases,
20.24% p.a. on cash advances and 20.24% p.a. on standard balance transfers as at
Friday, 16 August 2019 and is subject to change.

Return

3. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL
245631(trading as Allianz Global Assistance) under a binder from the insurer,
Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a
group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005
357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ
account holders and cardholders to claim under the group policy as third party
beneficiaries. The eligibility criteria, terms, conditions, limits and
exclusions of the group policy are set out in the Premium Cards – Insurances,
Insurance Policy Information booklet which may be amended from time to time. An
excess may be deducted from any benefit paid. ANZ does not guarantee this
insurance. Any advice has been prepared without taking into account your
objectives, financial situation or needs.  You must check whether or not it is
appropriate, in light of your own circumstances, to act on this advice. 

Return

4. The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the
first year. In each subsequent year, if you make Eligible Purchases of $20,000
or more annually using your ANZ Platinum account your next Annual Fee will be
waived. Eligible Purchases must be made in the year prior to your next Fee Date.
Your Fee Date is the date that your account is assessed for charging an Annual
Fee. If your account has not previously been charged an Annual Fee then for the
purpose of determining your eligibility for the waiver, your Fee Date is the
first date that your account is assessed for charging an Annual Fee. Eligible
Purchases includes purchases made using your account, but excludes Balance
Transfers, cash advances, interest, fees, transactions reversed and purchase
refunds. If you do not make at least $20,000 of Eligible Purchases in the year
prior to your Fee Date the Annual Fee will be charged to your account. The
Annual Fee is currently $87 but is subject to change. 

Return

5. Interest free periods on purchases do not apply if you do not pay the Closing
Balance (or if applicable, your 'Adjusted Closing Balance') shown on each
statement of account in full by the applicable due date. Your Adjusted Closing
Balance is calculated as your Closing Balance less the sum of any relevant
Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later
plan, or a Promotional Balance Transfer Plan. Payments to your account are
applied in the order set out in the ANZ Credit Cards Conditions of Use. Existing
customers should review their credit contract for information regarding their
account.

Return





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© Australia and New Zealand Banking Group Limited (ANZ) 2020 ABN 11 005 357 522.

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