ANZ Credit Cards

Compare the different ANZ credit cards, including low-rate and low-fee cards plus cards that reward you with a choice of either travel perks or cashback.

There are plenty of credit card options at ANZ, including cards that reward you in cash as you spend and a card that features an ultra-low annual fee. Alternatively, you can receive your rewards in the shape of travel benefits or save on interest with a low-fee card.

ANZ, the Australia and New Zealand Banking Group, 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.

finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider’s website if you are considering applying for this product.

ANZ credit cards for 2019

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 a very low 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 $120 you spend on eligible purchases, while the Visa Platinum card earns you one Airpoints Dollar for every $75 you spend. Both cards offer $0 annual fee in the first year. Your earnings are uncapped and you could qualify for a welcome bonus when you apply, subject to spending requirements.

  • Cash rewards credit cards

    If you prefer your rewards as cash, consider the ANZ CashBack Visa card. You will 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. Both cashback cards offers $0 annual fee on the first year. You need to spend a minimum of $5,000 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-fee credit cards

    For the most affordable way to open an ANZ credit card account, look at the ANZ Low Rate Visa card and enjoy $0 annual fee for the first year. Thereafter, the standard fee will apply which charges just $35 p.a. in annual fees, payable in two equal instalments. You also benefit from a low purchase rate throughout the life of your card, but you won’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 1.99% p.a. interest rate on your balance transfer for a period of 12 months. After this 12-month period, your balance will attract interest at the standard purchase rate of 13.9% 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. 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. 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 CashBack Visa Platinum and ANZ Airpoints Visa Platinum cards offer free overseas travel insurance cover, subject to certain requirements. The headline requirement states that you have to 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. ANZ Platinum cards also give you the option to buy foreign currency at 0% commission when purchased at any ANZ branch in New Zealand.
  • Contactless and mobile payments. Your ANZ card is enabled for contactless payments for amounts of up to $80. Additionally, you can enrol your card with Apple Pay for easy and simple payments with your mobile phone, or you can activate your card through ANZ’s goMoney Wallet to enable tap-and-pay 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 sensible period of time after noticing that your credit card has been lost or stolen. ANZ will also replace your lost or stolen card, simply 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, simply complete the secure online application form. ANZ will contact you within one or two working days to confirm whether you have been successful. Check the eligibility and information requirements below before you start the application.

Eligibility requirements

  • Age. Minimum age for all applicants is 18 or over.
  • Residential status. Only citizens or residents of New Zealand can apply.
  • Minimum income. ANZ suggests a minimum income requirement of $20,000 p.a. for most cards, although ANZ Platinum cards require $60,000 p.a.
  • Credit history. You will need a credit file free of defaults to successfully apply.

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.
  • Employment and income details. ANZ will request the full details of your current employer as well as your current income.
  • Existing debts and outgoings. The application form will require you to complete details of your current debts and regular expenses.
  • Assets and savings. Any investments, savings and other assets you have should also be declared since this can boost your chances of a 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, just use the Ask an Expert box at the bottom of the page and we will get back to you with an answer.


With ANZ, you can pick between getting a credit card with the lowest cost and getting a credit card product which 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.

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