ANZ Credit Cards

The Australia and New Zealand Banking Group, ANZ, offers a range of cards suited to different requirements. All cards come with a solid set of benefits, including contactless payments, online banking and other services such as balance transfers.

• ANZ credit cards
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Name	Product	Purchase Rate	Annual Fee	Balance Transfer Rate
AIRPOINTS ANZ Airpoints Visa Platinum Credit Card ANZ Airpoints Visa Platinum Credit Card	AIRPOINTS	19.95% p.a.	$150	N/A	Earn 1 Airpoints Dollar for every $85 you spend. You'll also earn 1 Air New Zealand Status Point with every $250 spent.	More Info	Compare	loading Fetching your data...
AIRPOINTS ANZ Airpoints Visa Credit Card ANZ Airpoints Visa Credit Card	AIRPOINTS	19.95% p.a.	$65	N/A	Earn 1 Airpoints Dollar for every $130 you spend on your card.	More Info	Compare	loading Fetching your data...
ANZ CashBack Visa Platinum Credit Card ANZ CashBack Visa Platinum Credit Card		19.95% p.a.	$80	N/A	More Info	Compare	loading Fetching your data...
ANZ CashBack Visa Credit Card ANZ CashBack Visa Credit Card		19.95% p.a.	$60	N/A	More Info	Compare	loading Fetching your data...
LOW RATE ANZ Low Rate Visa Credit Card ANZ Low Rate Visa Credit Card	LOW RATE	12.9% p.a.	$0	1.99% p.a. for 24 months	1.99% p.a on balances transferred for the first two years, plus save with $0 annual fee and a low rate of 12.90% on purchases.	More Info	Compare	loading Fetching your data...

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Name	Product	Purchase Rate	Annual Fee	Balance Transfer Rate
AIRPOINTS American Express Airpoints Platinum Card American Express Airpoints Platinum Card	AIRPOINTS	19.95% p.a.	$195	N/A	Receive 300 bonus Airpoints Dollars when you apply online, are approved and spend a minimum of $1,500 on your new card within the first 3 months of membership. This offer is available to new Card Members only. T&Cs apply. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.	Go to site More Info	Compare	loading Fetching your data...
AIRPOINTS American Express Airpoints Card American Express Airpoints Card	AIRPOINTS	0% for 6 months (changes to 19.95% p.a.)	$0	N/A	Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved and spend $750 on your new Card within the first 3 months of membership. This offer is available to new Card Members only.	Go to site More Info	Compare	loading Fetching your data...
OFFER American Express Gold Rewards Card American Express Gold Rewards Card	OFFER	19.95% p.a.	$200	N/A	Receive $200 credit when you apply online, are approved and spend $1,500 on your card within the first 3 months of membership. Offer is available to new card members only. T&Cs apply. You will also earn 2 Membership Rewards points for every $1 spent on eligible purchases.	Go to site More Info	Compare	loading Fetching your data...
LOW RATE The Co-operative Bank Fair Rate Credit Card The Co-operative Bank Fair Rate Credit Card	LOW RATE	12.95% p.a.	$20	0% p.a. for 6 months	0% p.a. on balance transfers for 6 months, plus benefit from a low rate of 12.95% p.a. on both purchases and cash advances.	Go to site More Info	Compare	loading Fetching your data...
Q Mastercard Q Mastercard		0% for 3 months (changes to 26.69% p.a.)	$50	N/A	Get 3 months zero interest and zero payments on every purchase with no minimum spend required. Ts&Cs apply.	More Info	Compare	loading Fetching your data...

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ANZ credit cards for 2022

ANZ offers you the opportunity to earn rewards as you spend by collecting cashback or travel rewards. You can also pick from low-cost cards that reduce your interest charges or a card that offers no annual fee. Here are your options.

Travel rewards credit cards

Earn Airpoints Dollars as you spend with the ANZ Airpoints Visa and Visa Platinum credit cards. The standard card offers you one Airpoints Dollar for every $130 you spend on eligible purchases, while the Visa Platinum card earns you one Airpoints Dollar for every $85 you spend. Your earnings are uncapped and never expire.

Cash rewards credit cards

If you prefer your rewards as cash, consider the ANZ CashBack Visa card. You earn up to 1.0% back on your spending, with 0.5% on amounts between $5,000 and $9,999 and 1.0% on amounts from $10,000 to $30,000. The CashBack Visa Platinum card offers unlimited cashback earnings. You need to spend a minimum per statement year to qualify for cashback with the ANZ CashBack range of cards, and cashback is paid at the end of the year.

Low-rate credit cards

For the most affordable way to open an ANZ credit card account, look at the ANZ Low Rate Visa card and enjoy no annual fee. You also benefit from a low purchase rate throughout the life of your card, but you don’t receive any rewards on your credit card spend.

Balance transfer credit cards

The ANZ Low Rate Visa card offers a balance-transfer option, allowing you to pay off the credit card debt you have with other providers while taking advantage of an ultra-low interest rate on your balance transfer for a period of 24 months. After this 24-month period, your balance attracts interest at the standard purchase rate of 12.9% p.a.

Business and corporate credit cards

Manage your business expenditure with one of the many different ANZ business and corporate credit cards. These cards are suited to both small businesses and large corporations. For example, small businesses can earn travel rewards or cashback with an ANZ Visa Business Card, while corporate concerns can enjoy management flexibility with the ANZ Visa Purchasing Card.

Benefits of banking with ANZ

• Earn rewards as you spend. Apply for an ANZ CashBack Visa card or an ANZ Airpoints Visa card to earn rewards when you pay with your card. Keep an eye on minimum spending requirements that act as qualifiers for cashback, and note that the standard ANZ CashBack credit card has a cap on the maximum cashback amount you can earn. In addition, every ANZ rewards card charges an annual fee, but depending on how much you spend on your card, you may find that the cash value of rewards can exceed what you pay in annual fees.
• Complimentary travel insurance. The ANZ Airpoints Visa Platinum card offers free overseas travel insurance cover, subject to specific requirements. The headline requirement states that you must pay for at least half of your travel expenses using a qualifying ANZ credit card. Always check whether your trip meets eligibility requirements using the dedicated section on the ANZ website.
• Special privileges for Platinum cards. Any ANZ Platinum card includes access to Visa Concierge, which will help you get tickets to shows, make restaurant bookings or make travel arrangements.
• Contactless and mobile payments. Your ANZ card is enabled for contactless payments for amounts under $200. Additionally, you can enrol your card with Apple Pay for straightforward payments with your mobile phone or activate your card through ANZ’s goMoney Wallet to enable transactions for Android phones.
• Visa Zero Liability benefit. ANZ won’t hold you liable for any unauthorised transactions, provided you get in touch with ANZ within a reasonable period after noticing that your credit card has been lost or stolen. ANZ also replaces your lost or stolen card. You can request a replacement card via Internet banking or the ANZ goMoney app.

How can I apply for an ANZ credit card?

If you decide a particular ANZ credit card product offers the best package for your credit card needs, you can phone ANZ on 0800 269 277, visit your local branch or complete the secure online application form. Once you have completed the application, ANZ will contact you within one or two working days to confirm success. Check the eligibility and information requirements below before you start the application.

Eligibility requirements

• Age. The minimum age for all applicants is 18 or over.
• Residential status. Be a citizen or resident of New Zealand. If you are a non-resident, there are specific criteria you must meet.
• Minimum income. ANZ states that to be approved for a credit card, you need enough surplus money to meet your credit card payments after you pay other outgoings.
• Credit history. You will need a credit file free of defaults to apply successfully.

Necessary documents and information

• Proof of identification. New customers need to supply an acceptable form of ID. There are numerous options, including your passport or driver’s licence. In addition, if you are a new customer, you need to supply a letter sent to your current address within the last 90 days.
• Employment and income details. ANZ will request the full details of your current employer as well as your current income. In addition, if you are a new customer, you need to supply the previous 90 days worth of bank statements.
• Existing debts and outgoings. The application form will require you to complete details of your current debts and regular expenses.
• Assets and savings. You should declare any investments, savings or other assets you have since this can boost your chances of successful approval.

Frequently asked questions about ANZ credit cards

Look at the FAQ section below if you have any questions about the ANZ range of credit cards. If you can’t find the answer you need, use the Ask an Expert box at the bottom of the page, and we will get back to you with a reply.

• Do Airpoints Dollars expire and is there a limit to the Airpoints I can earn?

  As long as you remain the primary account holder of your ANZ Airpoints Visa or Airpoints Visa Platinum card, you will retain any Airpoints Dollars you have collected. There is no limit to the amount of Airpoints Dollars you can collect, so you can keep accumulating until you have enough Airpoints Dollars to make your target redemption.

• How can I redeem my Airpoints Dollars?

  ANZ offers several redemption options, including the chance to exchange your Airpoints Dollars for Companion Tickets, allowing you to take a companion on an Air New Zealand flight at a reduced rate. You can also redeem your rewards for flights, gift rewards to anyone who lives at your address, opt for an upgrade on qualifying airline tickets or book a rental car with your Airpoints Dollars.

• Which transactions qualify for rewards?

  If you pick an Airpoints Dollars earning card or a cashback card, you will get rewarded for almost all of your transactions at online and retail merchants. However, ANZ excludes some card transactions from rewards: you won’t get rewards for paying your taxes, balance transfers and paying for cash substitutes such as traveller’s cheques. Consult the ANZ website if you are unsure.

• When do I pay the annual fee on my card?

  ANZ bills the annual fees on your account in two instalments: It charges half the yearly fee with your first statement, with the remaining half billed six months later. ANZ continues to bill half of the annual fee every six months as long as your account is open. Note that yearly fees for the ANZ CashBack visa and CashBack platinum cards are charged in full once a year.

• Can I add another cardholder to my account?

  Yes, you can add an extra cardholder to your account. The cardholder will enjoy as many benefits as the primary cardholder, though some card benefits may not be available. Each additional card will also carry an annual fee, which is less than the annual fee charged to the primary account holder.

• What is the maximum amount I can transfer via a balance transfer?

  You can transfer as much as 95% of your total credit limit, less any existing outstanding balance you are carrying on your ANZ card. The minimum amount you can transfer is $100.

• Do I qualify for an interest-free period on purchases?

  If you clear your balance in full every month, you may be eligible for 44 or 55 interest-free days on the purchases you make, depending on which card you own. However, if you carry a balance on your card, any further transactions will attract interest straight away.

• Does ANZ charge extra for transactions in a foreign currency?

  You can use ANZ cards for transactions in foreign currencies and transactions made overseas. The bank will convert the value of the charge in a foreign currency to the NZD equivalent and add 1.3% as a currency conversion charge. ANZ does not charge you for using overseas ATMs for cash advances, but other banks and financial institutions may charge you a fee.

• How do I dispute a transaction on my statement?

  If you don’t recognise a charge on your statement, contact ANZ immediately to check whether your account has been compromised. You need to lodge a dispute within 60 days of the transaction.

Conclusion

With ANZ, you can pick between getting a credit card with the lowest cost and getting a credit card product that rewards you as you spend. Don’t forget that other banks in New Zealand also offer low-cost and rewards credit cards, so compare the different providers to find the product which best suits your personal needs.