One of the Big Four banks in Australia, ANZ has a wide selection of credit cards available for both personal and professional use. If you’re searching for a frequent flyer or rewards credit card, you may earn unlimited points for your regular purchases and exchange them for benefits like cashback, gift cards, and flights. Also, major digital wallets like Apple Pay, Samsung Pay, and Google Pay can be connected to ANZ credit cards.
ANZ Bank History
The Australia and New Zealand Banking Group Limited (ANZ) is an Australian multinational banking and financial services company headquartered in Melbourne, Victoria. It ranks second in terms of assets in Australia and fourth in terms of market capitalization.
The English, Scottish & Australian Bank and the Australia and New Zealand Bank (ANZ) combined on October 1, 1970, creating the company’s current corporate structure (ES&A). At the time, it represented the biggest bank merger in Australian history. The Bank of Australasia and the Union Bank of Australia, which were formed in 1835 and 1837, respectively, were merged to form the Australia and New Zealand Bank in 1951. The Big Four Australian banks are the Commonwealth Bank, NAB, Westpac, and ANZ.
ANZ Low Rate Credit Card – 0% Balance Transfer
- Balance transfer for 30 months at 0% annually.
- With the ANZ Low-Rate credit card, you can transfer a balance interest-free for 30 months (plus a 1% balance transfer charge).
- backs off to 21.24% p.a. In the first year, there is no yearly cost; subsequently, it is $58 per year.
ANZ Low Rate Credit Card – Cashback Offer
- $250 in Credit.
- When you spend $1,500 on eligible purchases with your ANZ Low Rate credit card within three months of acceptance, $250 will be credited to your account.
- It has a relatively low-interest rate and a $0 first-year annual charge ($58 per year after that).
ANZ Platinum Credit Card
- The first year has no annual charge.
- When you spend $1,500 on qualifying goods within three months of approval, you’ll receive $250 back.
- $87 per year after the first.
- If the minimum yearly spending requirement is met, there is no continued annual fee each succeeding year.
ANZ First Credit Card
- The first year has no annual charge.
- Minimal annual charge of $30 after that.
- When you spend $750 on qualifying goods within three months of approval, you’ll receive $100 back.
- Free protection for your purchases.
ANZ Business 55 Interest Free Days
- The first year is free of annual fees.
- A cost-effective method of managing your cash flow that offers up to 55 days of interest-free borrowing, a $0 annual charge for the first year ($150 after that), and free insurance protection.
ANZ Business Low Rate
- The first year is free of annual fees.
- inexpensive business card.
- When you apply for a new card and are accepted, you will pay no annual fee for the first year, saving you $100.
- At a low rate of 12.99% p.a. on purchases, you may save more.
- Acquire more cardholders without paying extra.
Rewards card
ANZ Rewards Platinum Credit Card
- $50 returned and 80,000 more ANZ Reward Points.
- Gift Cards worth $350 from Bunnings, Woolworths, Myer, and more stores.
- T&Cs and the minimum expenditure apply. retail and travel insurance are free.
ANZ Rewards Black Credit Card
- 150 back and 150,000 additional ANZ Reward Points.
- When you spend $3,000 on eligible purchases within the first three months after approval, you’ll receive 150,000 additional ANZ Reward Points and $150 back on your new card.
- International travel insurance is free.
ANZ Frequent Flyer Black Credit Card
- 110,000 extra Qantas Points plus a $255 refund.
- Spend $5,000 on eligible purchases during the first three months of approval to receive 110,000 bonus Qantas Points and $255 returned to your new card.
- 2 Qantas Lounge invitations each year.
- Insurance for international travel.
ANZ Frequent Flyer Platinum Credit Card
- Bonus Qantas Points of 70,000.
- when, within the first three months of approval, you spend $2,500 on eligible goods.
- Qantas Points without a cap on qualifying purchases.
- Free shopping and travel protection. Personal Concierge available round-the-clock.
ANZ Business Black Credit Card
- Additional 100,000 Reward Points.
- Minimal amount to spend.
- Also, new cards don’t have an annual fee or reward for the first year.
- Earn up to 1.5 points for every $1 you spend on eligible goods.
- Insurance for international travel and resources for controlling your company spending.
ANZ Business Rewards Options Credit Card
- First year without an annual fee or rewards fee plus 50,000 more reward points.
- Spend minimum; T&Cs apply.
- Get one reward point for each dollar spent, without limit.
- Purchases are interest-free for up to 40 days.
- Free insurance against unauthorized transactions.
How do credit cards with ANZ Rewards operate?
With the ANZ Rewards program, you have a variety of options for using your reward points. It enables you to accrue rewards on your regular purchases and has no point-earning ceiling.
These points can then be used to purchase a variety of items, such as gift cards and cashback. With four separate partners—Velocity Frequent Flyer, Singapore Airlines Krisflyer, Cathay Pacific Asia Miles, and Air New Zealand Airpoints—you may also exchange your ANZ Rewards points for frequent flier miles.
More details about these redemption choices are given below:
- Gift cards. With a variety of retail partners, you can exchange your ANZ Rewards points for gift cards. Amazon, Apple, Big W, Bunnings, David Jones, JB Hi-Fi, Myer, Uber, Westfield, and more companies are among them.
- Cashback. With the cashback program offered by ANZ Rewards, you can receive $5 for every 1,250 points you use to redeem.
- Airline partners. The following exchange rates are available through ANZ Rewards’ partnership with 4 distinct frequent flyer programs:
- Velocity Frequent Flyer. 2 ANZ Rewards Points = 1 Velocity Point
- Singapore Airlines Krisflyer. 3 ANZ Rewards Points = 1 Krisflyer Mile
- Cathay Pacific Asia Miles. 3 ANZ Rewards Points = 1 Asia Mile
- Air New Zealand Airpoints. 200 ANZ Rewards Points = 1 Airpoint
Eligibility requirements
There are a few eligibility boxes you must check before you can submit an application for an ANZ credit card.
The eligibility requirements for each card vary significantly, however, all Citi cards come with the following features:
- Australian nationality. If you are an Australian citizen, permanent resident, or non-permanent resident with more than 9 months left on your visa, you are eligible to apply for an ANZ credit card.
- Financial history. You ought to have an excellent credit history and score. It just takes a few minutes to obtain a free copy of your credit report and score if you are unsure of what is on your credit file.
- Age. At least 18 years of age is required.
How long is the application process?
After you have all the information you need for the application form, it just takes a little more than 20 minutes to apply online.
You will receive a response with information on the next steps for your application within 60 seconds of completing and submitting this secure form.
FAQ
Q1. What is the credit limit for ANZ credit cards, and can I request a specific amount?
ANZ credit cards offer a credit limit based on the information provided in your application and ANZ’s assessment of your creditworthiness.
While you can include a preferred credit limit in your application, ANZ may offer a lower limit. The credit limit can also be adjusted based on your credit behavior and other factors.
Q2. How does a balance transfer work with ANZ credit cards?
If you’re transferring a balance from another credit card to an ANZ credit card with a 0% balance transfer rate, you’ll need to provide the account details and the amount of debt you want to transfer as part of your application.
The balance transfer is approved separately, and the amount that’s transferred depends on the credit limit you receive for your new ANZ card. Keep in mind that balance transfer offers may come with terms and conditions, such as a time limit or fees.
Q3. What happens after I submit my ANZ credit card application?
After you submit your ANZ credit card application, you should receive a response and application reference number within 60 seconds.
ANZ will contact you within 2 business days if they require any additional information before making a decision. If your application is approved, you should receive a welcome pack in the mail within 5 business days.