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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.

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ANZ has plenty of credit card options, 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 offer 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 NZ 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 consider applying for this product.

Name Product Purchase Rate Annual fee Balance Transfer Rate
ANZ Airpoints Visa Platinum Credit Card
19.95% p.a.
Earn 1 Airpoints Dollar for every $85 you spend. You'll also earn 1 Air New Zealand Status Point with every $250 spent.
ANZ Airpoints Visa Credit Card
19.95% p.a.
Earn 1 Airpoints Dollar for every $130 you spend on your card.
ANZ CashBack Visa Platinum Credit Card
19.95% p.a.
ANZ CashBack Visa Credit Card
19.95% p.a.
ANZ Low Rate Visa Credit Card
12.9% p.a.
1.99% p.a.
Balance transfer offer: Pay 1.99% p.a on balances transferred for the first two years. Ts&Cs apply.

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Name Product Purchase Rate Annual fee Balance Transfer Rate
Q Mastercard
0% for 3 months (changes to 25.99% p.a.)
0% p.a. for 36 months
0% p.a. for 36 months on balances transferred from eligible personal credit cards until 30 November 2021 - offer applies to new customers only. Plus get 3 months zero interest and zero payments on every purchase.
American Express Airpoints Platinum Card
19.95% p.a.
Be rewarded with 500 bonus Airpoints Dollars when you apply by 29 November 2021 are approved, and spend $1,500 on your new Card within the first 3 months. This offer is available to new Card Members only. Ts&Cs apply. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
Farmers Mastercard
25.95% p.a.
Get $100 worth of Farmers Club Vouchers when you spend and link your card to a Farmers Club Card - offer is for new applications only and ends on 31 October 2021.
Flight Centre Mastercard
22.95% p.a.
Use your Flight Centre Mastercard for everyday shopping and earn rewards as you spend. Earn 2 Flight Centre rewards for every $100 spent at a Flight Centre Store and 1 reward point for standard purchases. Subject to lending criteria. Ts&Cs apply.
American Express Airpoints Card
0% for 6 months (changes to 19.95% p.a.)
Be rewarded with 100 bonus Airpoints Dollars when you apply by 28 February 2022, are approved and sped $750 on your new card within the first 3 months of membership. This offer is available to new Card Members only.
American Express Platinum Edge Credit Card
2.99% for 6 months (changes to 19.95% p.a.)
Enjoy a low rate on purchases and earn 20,000 Membership Rewards Bonus Points if you apply, are approved and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only.
American Express Platinum Card
Get the new metal Platinum Card, 80,000 Membership Rewards bonus points, up to $300 dining credit and $200 to spend on travel each year. Offer available to new customers who apply online, are approved and spend at least $1,500 in the first 3 months. Exclusions, Ts&Cs apply.
The Co-operative Bank Fair Rate Credit Card
12.95% p.a.
0% p.a. for 6 months
0% p.a. on balance transfers for 6 months, plus benefit from a low rate of 12.95% on both purchases and cash advances.

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ANZ credit cards for 2021

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 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 $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 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. You need to spend a minimum of 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 no annual fee. 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 interest rate on your balance transfer for a period of 24 months. After this 24-month period, your balance will attract 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. 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 certain 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 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 reasonable period after noticing that your credit card has been lost or stolen. ANZ will also replace your lost or stolen card, 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, 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. The 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 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.
  • 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 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 an answer.


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.

More guides on Finder

  • ANZ CashBack Visa Platinum

    The ANZ CashBack Visa Platinum allows you to earn cash back for everyday purchases, plus enjoy special visa platinum privileges.

  • ANZ CashBack Visa

    Find out how you can get cash back just for using your card for everyday purchases with the ANZ CashBack Visa.

  • ANZ Low Rate Visa

    With no annual card fee and a low-interest rate, an ANZ Low Rate Visa is worth considering if you want to save money.

  • ANZ credit card complimentary travel insurance

    Find out what is covered with ANZ Credit Card Complimentary Travel Insurance.

  • ANZ Airpoints Visa

    Get in the air faster by earning Airpoints Dollars on eligible purchases with the ANZ Airpoints Visa.

  • ANZ Airpoints Visa Platinum

    Earn Airpoints Dollars faster and take advantage of special Platinum card benefits with the ANZ Airpoints Visa Platinum.

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