Important: Annual interest rate increases from 28 Sept 2026, Cash Advance Fee increases and new points earn caps from 28 Oct 2026, and complimentary insurance changes from 9 Dec 2026 and 24 Mar 2027. Find out more . Close mobile menu Personal Credit cards Credit cards ANZ Rewards Black ANZ Rewards Platinum ANZ Frequent Flyer Black ANZ Frequent Flyer Platinum ANZ Platinum ANZ First ANZ Low Rate ANZ Rewards Black ANZ Rewards Platinum ANZ Frequent Flyer Black ANZ Frequent Flyer Platinum ANZ Platinum ANZ First ANZ Low Rate ANZ Rewards Black ANZ Rewards Platinum ANZ Frequent Flyer Black ANZ Frequent Flyer Platinum Compare and apply Compare and apply Credit card finder Compare and apply Credit card finder How credit cards work For everyday or just those rainy days, a credit card may come in handy. Whether you’re after Rewards Points or Qantas Points, or a low fee or low-rate card that simply gets the job done, compare our range to find the best credit card to suit your needs. Plus, when you get a credit card with us, you also get 24/7 anti-fraud protection thanks to ANZ Falcon®. Find a card to suit you Compare all cards What credit card might suit you? Low fee or low rate credit cards  I want a credit card with a lower interest rate or annual fee. Rewards credit cards  I want to earn Reward Points disclaimer and redeem them for things like gift cards, cashback and partner points. disclaimer Frequent Flyer credit cards  I want to earn Qantas Points disclaimer and start booking flights, hotels and travel upgrades. New card offer Does $400 credit back sound like music to your ears? See our latest credit back offer, available with a new ANZ Low Rate credit card. disclaimer Tell me more Does $400 credit back sound like music to your ears? See our latest credit back offer, available with a new ANZ Low Rate credit card. disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $58). disclaimer Low rate or fee credit cards ANZ First credit card This credit card has the lowest annual fee disclaimer compared to all other ANZ credit cards. $1,000 Minimum credit limit $30 Current annual fee disclaimer This credit card has the lowest annual fee disclaimer compared to all other ANZ credit cards. $1,000 Minimum credit limit $30 Current annual fee disclaimer Earn $220 back to your new ANZ First credit card When you spend $1,500 on eligible purchases in the first 3 months from approval of your new ANZ First credit card. disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $30). disclaimer Earn $220 back to your new ANZ First credit card When you spend $1,500 on eligible purchases in the first 3 months from approval of your new ANZ First credit card. disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $30). disclaimer ANZ Platinum credit card Annual fee waived each year if you spend $20,000 or more on eligible purchases (less refunds or reversals) disclaimer $6,000 Minimum credit limit $87 Current annual fee disclaimer Annual fee waived each year if you spend $20,000 or more on eligible purchases (less refunds or reversals) disclaimer $6,000 Minimum credit limit $87 Current annual fee disclaimer See ANZ Platinum Earn $450 back to your new ANZ Platinum credit card. Earn $450 back to your new card when you spend $4,500 on eligible purchases in the first 4 months from approval. disclaimer Plus, a $0 annual fee in the first year. disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee $0 for the first year, currently $87 thereafter). disclaimer Earn $450 back to your new ANZ Platinum credit card. Earn $450 back to your new card when you spend $4,500 on eligible purchases in the first 4 months from approval. disclaimer Plus, a $0 annual fee in the first year. disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee $0 for the first year, currently $87 thereafter). disclaimer ANZ Low Rate credit card Our lowest interest rate on purchases disclaimer at $1,000 Minimum credit limit $58 Current annual fee disclaimer Our lowest interest rate on purchases disclaimer at $1,000 Minimum credit limit $58 Current annual fee disclaimer See ANZ Low Rate Earn $400 back to your new card when you spend $5,000 on eligible purchases in the first 6 months from approval of your new ANZ Low Rate credit card. disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $58). disclaimer OR 0% p.a. balance transfer rate for a 26-month promo period with a 3% balance transfer fee and $0 annual fee in the first year. disclaimer 26-month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promotional period, currently disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $58 thereafter). Earn $400 back to your new card when you spend $5,000 on eligible purchases in the first 6 months from approval of your new ANZ Low Rate credit card. disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $58). disclaimer 0% p.a. balance transfer rate for a 26-month promo period with a 3% balance transfer fee and $0 annual fee in the first year. disclaimer 26-month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promotional period, currently disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $58 thereafter). Rewards credit cards ANZ Rewards Black credit card Highest ANZ Reward Points earn rate disclaimer $15,000 Minimum credit limit $375 Current annual fee disclaimer Highest ANZ Reward Points earn rate disclaimer $15,000 Minimum credit limit $375 Current annual fee disclaimer See ANZ Rewards Black How to use ANZ Rewards Points  Earn up to 180,000 extra ANZ Reward Points and $100 back Earn an extra 130,000 ANZ Reward Points disclaimer and $100 back to your new card when you spend $5,000 on eligible purchases in the first 3 months from approval. disclaimer Plus, an additional 50,000 ANZ Reward Points when you keep the card for over 15 months from activation. disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375). disclaimer Earn up to 180,000 extra ANZ Reward Points and $100 back Earn an extra 130,000 ANZ Reward Points disclaimer and $100 back to your new card when you spend $5,000 on eligible purchases in the first 3 months from approval. disclaimer Plus, an additional 50,000 ANZ Reward Points when you keep the card for over 15 months from activation. disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375). disclaimer ANZ Rewards Platinum credit card Uncapped ANZ Reward Points earn rate disclaimer $6,000 Minimum credit limit $149 Current annual fee disclaimer Uncapped ANZ Reward Points earn rate disclaimer $6,000 Minimum credit limit $149 Current annual fee disclaimer See ANZ Rewards Platinum How to use ANZ Rewards Points  Choose between one of these two new card offers: Earn up to 125,000 extra ANZ Reward Points disclaimer and $50 back to your new ANZ Rewards Platinum credit card Earn 85,000 extra ANZ Reward Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval and an additional 40,000 extra points when you keep the card for over 15 months from activation. disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). disclaimer OR Earn up to 80,000 bonus Velocity Points and $50 back to your new ANZ Rewards Platinum card Switch on auto-redemption to transfer your ANZ Reward Points disclaimer to Velocity Points disclaimer within 3 months from approval and keep it on to earn 1) 60,000 bonus Velocity Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval disclaimer and 2) an additional 20,000 bonus Velocity Points when you keep the card for over 15 months from activation. disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). disclaimer Auto-redemption must be kept on until points for relevant criteria have been made available for redemption. Choose between one of these two new card offers: Earn up to 125,000 extra ANZ Reward Points disclaimer and $50 back to your new ANZ Rewards Platinum credit card Earn 85,000 extra ANZ Reward Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval and an additional 40,000 extra points when you keep the card for over 15 months from activation. disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). disclaimer Earn up to 80,000 bonus Velocity Points and $50 back to your new ANZ Rewards Platinum card Switch on auto-redemption to transfer your ANZ Reward Points disclaimer to Velocity Points disclaimer within 3 months from approval and keep it on to earn 1) 60,000 bonus Velocity Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval disclaimer and 2) an additional 20,000 bonus Velocity Points when you keep the card for over 15 months from activation. disclaimer New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). disclaimer Auto-redemption must be kept on until points for relevant criteria have been made available for redemption. Frequent flyer credit cards ANZ Frequent Flyer Black credit card ANZ's highest Qantas Points earn rate disclaimer; $15,000 Minimum credit limit $425 Current annual fee disclaimer ANZ's highest Qantas Points earn rate disclaimer; $15,000 Minimum credit limit $425 Current annual fee disclaimer See Frequent Flyer Black Offer Earn up to 80,000 bonus Qantas Points Earn 40,000 bonus Qantas Points with your new ANZ Frequent Flyer Black credit card when you spend $6,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months. disclaimer You are not eligible for the initial bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425). disclaimer Earn up to 80,000 bonus Qantas Points Earn 40,000 bonus Qantas Points with your new ANZ Frequent Flyer Black credit card when you spend $6,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months. disclaimer You are not eligible for the initial bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425). disclaimer ANZ Frequent Flyer Platinum credit card Uncapped Qantas Points earn rate disclaimer $6,000 Minimum credit limit $295 Current annual fee disclaimer Uncapped Qantas Points earn rate disclaimer $6,000 Minimum credit limit $295 Current annual fee disclaimer See Frequent Flyer Platinum Offer Earn up to 40,000 bonus Qantas Points Earn 20,000 bonus Qantas Points with your new ANZ Frequent Flyer Platinum credit card when you spend $3,500 on eligible purchases in the first 4 months from approval. Plus, earn an additional 20,000 bonus Qantas Points when you keep your card for over 12 months. disclaimer You are not eligible for the initial bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295). disclaimer Earn up to 40,000 bonus Qantas Points Earn 20,000 bonus Qantas Points with your new ANZ Frequent Flyer Platinum credit card when you spend $3,500 on eligible purchases in the first 4 months from approval. Plus, earn an additional 20,000 bonus Qantas Points when you keep your card for over 12 months. disclaimer You are not eligible for the initial bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295). disclaimer Need help choosing a credit card? Popular features Balance transfer Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment. Interest free days Make the most of your card with interest-free days on eligible purchases when you pay your full Closing Balance (or if applicable, the Adjusted Closing Balance) by the Due Date shown on your statement. disclaimer Ways your credit card is protected ANZ Falcon® fraud protection ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money. ANZ Falcon® fraud protection ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money. Fraud money back guarantee Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs. disclaimer Fraud money back guarantee Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs. disclaimer Card security microchip An embedded card microchip makes it harder for your card to be fraudulently copied. Card security microchip An embedded card microchip makes it harder for your card to be fraudulently copied. Visa secure (formerly known as Verified by Visa) Some added peace of mind to securely shop online. (formerly known as Verified by Visa) Some added peace of mind to securely shop online.

Help and support Getting started Activate card and set PIN  Set up automatic payments  Add a card to your digital wallet  Interest rates, fees & terms  Getting started Activate card and set PIN  Set up automatic payments  Add a card to your digital wallet  Interest rates, fees & terms  Using your card Manage your card  Order a replacement card  Dispute a transaction  Decrease limit or close account  Forms and Documents  Using your card Manage your card  Order a replacement card  Dispute a transaction  Decrease limit or close account  Forms and Documents  Emergency assistance Lost or stolen cards  Financial assistance  Gambling help  Emergency assistance Lost or stolen cards  Financial assistance  Gambling help  Other help topics Notify us of travel  Credit card insurance  Redeeming Rewards  Other help topics Notify us of travel  Credit card insurance  Redeeming Rewards  More Help and Support More Help and Support Credit card education How to choose a credit card  See how balance transfers work  Understand how credit card interest works  Tips to help pay your credit card debt faster  More credit card articles 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. 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. Why get a balance transfer? A balance transfer could help you manage your card repayments. By transferring the outstanding balance of your other credit or store card accounts to an ANZ Credit Card Account and closing those other accounts, you only have to manage one card. Transferring your balance to a Credit Card Account with a lower interest rate could help you save on interest which means you can pay off your balance faster. Learn more  A balance transfer could help you manage your card repayments. By transferring the outstanding balance of your other credit or store card accounts to an ANZ Credit Card Account and closing those other accounts, you only have to manage one card. Transferring your balance to a Credit Card Account with a lower interest rate could help you save on interest which means you can pay off your balance faster. What is a credit limit? The credit limit is the amount you have been approved to spend on your credit card. From time to time there may be a debit made to your Credit Card Account, which, if processed, would temporarily result in the outstanding balance exceeding your credit limit. ANZ has an informal overlimit facility to help you in these circumstances. Please note an overlimit fee will be charged in these circumstances. You can ask ANZ to decline certain transactions so that you don't exceed your credit limit. Please refer to the ANZ Credit Cards Conditions of Use for further information. The credit limit is the amount you have been approved to spend on your credit card. From time to time there may be a debit made to your Credit Card Account, which, if processed, would temporarily result in the outstanding balance exceeding your credit limit. ANZ has an informal overlimit facility to help you in these circumstances. Please note an overlimit fee will be charged in these circumstances. You can ask ANZ to decline certain transactions so that you don't exceed your credit limit. Please refer to the ANZ Credit Cards Conditions of Use for further information. 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. 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. Can I change from one type of ANZ credit card to another? Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only. To request a change of credit card, choose one of the following options. Online: Log on to ANZ Internet Banking and select your credit card account Over the phone: Call 13 22 73 between 7am-11pm (AEST) 7 days a week. Call +61 3 9683 9999 from overseas. Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only. To request a change of credit card, choose one of the following options. Log on to ANZ Internet Banking and select your credit card account Over the phone: Call 13 22 73 between 7am-11pm (AEST) 7 days a week. Call +61 3 9683 9999 from overseas. Connect with our specialists Call us Our team are available Monday to Friday from 8am to 8pm (AEST). Call 13 33 33 See other contact options  Call us Our team are available Monday to Friday from 8am to 8pm (AEST). Call 13 33 33 See other contact options  Our team are available Monday to Friday from 8am to 8pm (AEST). See other contact options  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  Book an appointment at your local branch or see a map of our branch locations. Book an appointment Find a location or specialist  Get help with your application We're here to answer your application questions and help you get started. Request a callback We're here to answer your application questions and help you get started. Request a callback 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. Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527. Falcon® is a registered trademark of Fair Isaac Corporation. Falcon® is a registered trademark of Fair Isaac Corporation. ANZ Reward Points are earned and redeemed in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF) . Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF) . Minimum Redemption thresholds apply. An account holder must be a member of the applicable partner program to redeem ANZ Reward Points for partner points. Membership details must be entered online at time of redemption in order to redeem ANZ Reward Points for partner points under the applicable partner program. See anzrewards.com for details. Refer to the relevant program terms and conditions for details: Velocity Member Terms and Conditions , KrisFlyer Terms and Conditions , Air New Zealand Koru Terms and Conditions , Asia Miles Terms and Conditions , Everyday Rewards Terms and Conditions , and World360 Rewards Terms . ANZ Reward Points are subject to the ANZ Rewards – Rewards Program Terms and Conditions (PDF) . Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) . Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 6 months of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases include purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF) . Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions, and will not qualify. The $400 will generally be credited to your credit card account within three months of meeting the spend criteria. The $400 will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. You will not be eligible for the $400 back if your credit card account is cancelled, suspended, transferred, or you are in default or breach of the ANZ Credit Card Conditions of Use (PDF) . The annual fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Consumer Credit Cards Fees and Charges (PDF) . The annual fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at and is subject to change. For applicable fees and charges please see the ANZ Consumer Credit Cards Fees and Charges (PDF) . Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases include purchases made using your ANZ Credit Card Account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF) . Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $220 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $220 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for the $220 credit back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached the ANZ Credit Card Conditions of Use (PDF) . The ANZ Platinum annual fee will be waived in the first year. In each subsequent year, if eligible purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next annual fee will be waived. The date purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last annual fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your annual fee) and ends on the day your next annual fee would be charged. Eligible purchases include purchases made using your account, but exclude balance transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of eligible purchases, excluding refunds and reversals, 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. Offer is for new and approved applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages, or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application, and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 4 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases include purchases made using your ANZ Credit Card Account but exclude specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF) . Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $450 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $450 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for the $450 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached the ANZ Credit Card Conditions of Use (PDF) . The standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at and is subject to change. Applications for credit are subject to ANZ’s eligibility and credit approval criteria. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Offer available in respect of balance transfers requested from Australian non-ANZ credit and store cards only at the time of applying for the new ANZ credit card. ANZ will process the balance transfer requested and any applicable fees up to 95% of your approved credit limit. Depending on the credit limit we approve, this might be less than the full amount of the amount of balance transfer you request when you apply. The balance transfer Promotional Plan annual percentage rate expires 26 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 26 months the standard balance transfer annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. The standard balance transfers annual percentage rate is currently for ANZ Low Rate Card 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 (PDF) . See the ANZ Credit Card Conditions of Use (PDF) and the ANZ Consumer Credit Cards Fees and Charges (PDF) for more information about fees and charges. If you transfer to a different credit card account this offer will cease to apply. The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 3% of the balance transferred and will be applied at the time the balance is transferred and forms part of the Promotional Plan balance. After the first year an annual fee applies, currently $58. Please see the ANZ Consumer Credit Cards Fees and Charges (PDF) and ANZ Credit Cards Conditions of Use (PDF) . For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. Offer available to new and approved applicants who apply for an ANZ Rewards Black credit card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages, or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application, and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF) . The 130,000 extra ANZ Reward Points and the $100 will generally be credited to your credit card account within three months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. The 50,000 extra ANZ Reward Points will be credited to the account within 3 months of you retaining the card for over 15 months from the date of activating your card. The 180,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $100 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months. Offer available to new and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. If approved, to be eligible for the 85,000 extra ANZ Reward Points and $50 credit back to your new ANZ Rewards Platinum card, you must meet the spend criteria within 3 months from the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF) . The 85,000 extra ANZ Reward Points and the $50 credit will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. To be eligible for the 40,000 extra ANZ Reward Points, you must keep your card for over 15 months from the date you activate your card. The 40,000 extra ANZ Reward Points will generally be credited to your credit card account within 3 months of you retaining the card for over 15 months from the date you activate your card. The extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. Minimum redemption threshold applies. Allow up to 5 business days for your Velocity Points to be allocated to your account. To redeem ANZ Reward Points for Velocity Points, individuals must be both an ANZ Rewards account holder and a Velocity Frequent Flyer member. Velocity membership and Velocity Points earned and redeemed are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com/member-support/terms-conditions as amended from time to time. Once ANZ Reward Points have been redeemed for Velocity Frequent Flyer Points, they are governed by the Velocity Frequent Flyer Program Terms and Conditions and cannot be reversed. ANZ holds no responsibility for flight availability, which may be limited, or any other redemption items available at velocityfrequentflyer.com . Flight availability is at the sole discretion of Virgin Australia and airline partners. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. If approved, to be eligible for the 60,000 bonus Velocity Points and $50 credit back to your new ANZ Rewards Platinum card, you must activate the card, meet the spend criteria within 3 months from the date of approval, set up auto-redemption within 3 months of approval to automatically transfer your ANZ Reward Points to Velocity Points and keep it on for a consecutive period until the 60,000 bonus Velocity Points are made available for redemption. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF) . The 60,000 bonus Velocity Points will generally be made available for redemption within 3 months of meeting the spend and eligibility criteria. The $50 credit will be applied to the purchases balance within 3 months of meeting the spend and eligibility criteria and does not constitute a payment under your contract with ANZ. To be eligible for the 20,000 bonus Velocity Points, you must keep your card for over 15 months from the date you activate your card, set up auto-redemption within 3 months from the date of approval to automatically transfer your ANZ Reward Points to Velocity Points and keep it on for a consecutive period until the 20,000 bonus Velocity Points are made available for redemption. The 20,000 bonus Velocity Points will generally be made available for redemption within 3 months of meeting the eligibility criteria. The bonus Velocity Points and $50 credit back available under this offer will not be credited if your credit card is cancelled, suspended, transferred, or if you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) prior to the bonus Velocity Points or the $50 back being credited to your account. You are not eligible for this offer if you currently hold or have held an ANZ Rewards or Frequent Flyer credit card in the last 24 months. To enable you to redeem the 60,000 and 20,000 bonus Velocity Points, you will be sent either an: (i) SMS with a link to a redemption website and your Reward Code to enable you to continue with the redemption process; or (ii) Email to the email address listed on your ANZ account with a link to a redemption website to switch on ANZ Rewards Auto-Redemption for Velocity Points and your Reward Code to continue with the redemption process. The redemption website is powered by Digital Glue Pty Ltd ABN 36 127 466 899. It may take up to 90 days from the eligible criteria being met to receive your SMS or email. You must redeem the Reward Code for the relevant points before the expiry date listed in the SMS or email, otherwise you will forfeit any entitlement to do so. For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account. This offer is available to new and approved credit card applicants and is limited to one offer per person. You are not eligible for the initial 40,000 bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. ANZ may change or withdraw this offer at any time without notice. This offer cannot be used with any other offers, packages or promotions, and is not available if you’re transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. To be eligible for the initial 40,000 bonus Qantas Points, you must meet the $6,000 spend criteria within 3 months of your approval date. Your approval date is the disclosure date specified in your Letter of Offer. Any purchases made within 3 months of your approval date that are refunded or reversed will not count towards meeting the spend criteria. Some transactions and other items are not considered eligible purchases as they are not eligible to earn Qantas Points. These include: interest charges or bank fees, cash advances and balance transfers (as defined in the ANZ Credit Card Conditions of Use (PDF) ), transactions made using the BPAY® scheme or Post Billpay service, Government Charges or payments to the ATO, and premiums paid for ANZ Credit Card Insurance. For further details, see the ANZ Frequent Flyer Reward Terms and Conditions (PDF) . If you are eligible for this offer, the initial 40,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of meeting the spend criteria. If you do not meet the spend criteria within 3 months of your approval date, you won't receive the initial 40,000 bonus Qantas Points. You may still be eligible for the additional 40,000 bonus Qantas Points if you retain your card for over 12 months from the date your first annual fee is charged. The additional 40,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of your second annual fee being charged. The second annual fee is generally charged 12 months from the first annual fee. The 80,000 bonus Qantas Points will not be credited if your ANZ Credit Card Account is closed, cancelled, suspended, transferred, has any overdue amount, or if you breach the ANZ Credit Card Conditions of Use (PDF) or ANZ Frequent Flyer Reward Terms and Conditions (PDF) prior to, or at the time of, the bonus Qantas Points being credited to your Qantas Points balance. This offer is available to new and approved credit card applicants and is limited to one offer per person. You are not eligible for the initial 20,000 bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. ANZ may change or withdraw this offer at any time without notice. This offer cannot be used with any other offers, packages or promotions, and is not available if you’re transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. To be eligible for the initial 20,000 bonus Qantas Points, you must meet the $3,500 spend criteria within 4 months of your approval date. Your approval date is the disclosure date specified in your Letter of Offer. Any purchases made within 4 months of your approval date that are refunded or reversed will not count towards meeting the spend criteria. Some transactions and other items are not considered eligible purchases as they are not eligible to earn Qantas Points. These include: interest charges or bank fees, cash advances and balance transfers (as defined in the ANZ Credit Card Conditions of Use (PDF) ), transactions made using the BPAY® scheme or Post Billpay service, Government Charges or payments to the ATO, and premiums paid for ANZ Credit Card Insurance. For further details, see the ANZ Frequent Flyer Reward Terms and Conditions (PDF) . If you are eligible for this offer, the initial 20,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of meeting the spend criteria. If you do not meet the spend criteria within 4 months of your approval date, you won't receive the initial 20,000 bonus Qantas Points. You may still be eligible for the additional 20,000 bonus Qantas Points if you retain your card for over 12 months from the date your first annual fee is charged. The additional 20,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of your second annual fee being charged. The second annual fee is generally charged 12 months from the first annual fee. The 40,000 bonus Qantas Points will not be credited if your ANZ Credit Card Account is closed, cancelled, suspended, transferred, has any overdue amount, or if you breach the ANZ Credit Card Conditions of Use (PDF) or ANZ Frequent Flyer Reward Terms and Conditions (PDF) prior to, or at the time of, the bonus Qantas Points being credited to your Qantas Points balance. 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 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, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF) . Existing customers should review their credit contract for information regarding their account. Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF) .