ANZ Credit Cards

The Australian New Zealand Bank have a great range of credit cards for their customers. With cards that offer low fees or great rewards, there is bound to be an ANZ credit card that is perfect for you.

ANZ has a very wide range of credit cards to offer their customers. Their products have been designed to offer customers the best credit cards for their individual financial needs. There are low rate credit cards as well as cards that offer great rewards programs. Let’s review some of the credit cards that ANZ has to offer so you can see which card will be right for you.

Economical Credit Cards

If you are worried about debt, or current have credit card debt, the ANZ Low Rate MasterCard is a great option. This card offers very competitive rates that will allow you to save money and have control of your finances.

This card has a $58 annual fee, but offers the introductory rate of 2.9% p.a. for balance transfers for 6 months. So if you have outstanding credit card debt, this card is a great tool that will help you pay off some of those debts at a very competitive rate. The benefits of a balance transfer are that they allow you to transfer your outstanding debts to a card with a lower rate, so that you can pay your debt off faster and save on interest charges.

After the introductory period, the rate is at 13.49%, which is still very low compared to other credit cards. In addition to this, you will be able to take advantage of 55 days without interest. You will also be covered by ANZ’s 24/7 Falcon fraud monitoring service.

ANZ Credit Card Comparison

	Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
ANZ Low Rate MasterCard – Balance Transfer	0% for 3 months (reverts to 13.39% )	0% for 3 months	$58	21.49%
ANZ First Visa Credit Card	19.39%	2.9% for 12 months	$30	20.99%
ANZ Rewards Credit Card	19.89%		$89	20.99%
ANZ Rewards Platinum Credit Card	19.89%		$149	20.99%

Rewards Credit Cards

If you are looking to earn rewards, then the ANZ Frequent Flyer or ANZ Rewards credit cards would be a good option. Both of these cards are available as regular credit cards or as Platinum cards.

The frequent flyer credit cards have slightly higher fees, but as they are American Express credit cards, they will allow you to earn more reward points per dollar that is spend on the card. This card will also give you 2 credit cards, you will receive one Visa and one AMEX credit card – which allows you to have the prestige and exclusivity of an AMEX coupled with the worldwide acceptance of the Visa.

The Frequent Flyer card is coupled with Qantas, so you will earn Qantas points, whereas the Rewards card will allow you to redeem your rewards for gift cards, vouchers or for travel.

What Type Of ANZ Credit Card Is Best?

Well, this depends on your needs. If you are looking for the cheapest card, that will help you to keep your credit card related costs low, then you should find the card with the lowest possible annual fee. If you are worried that you might not be able to make your payments on time, then a low rate card would be the most beneficial for you. If you are a big spender who pays their balances in full and on time, then a reward card would give you the most benefits.

In order to find the best credit card, you have to look at your spending needs and your available finances. To find the best ANZ credit card, the best option is to visit your local ANZ branch so that a representative can assess your situation so that they can find the best credit card for your needs.