Visa MC

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The credit card with our lowest annual fee

This card could be for you if:

  • You're after a lower annual fee credit card
  • You want to use your credit card for everyday spending.



  • SPECIAL OFFER: Get $0 annual fee for the first 12 months on all new ANZ credit cards.^
  • 1.99% p.a. for 12 months on balances transferred.*
  • Our lowest annual account fee at $30 p.a. - payable annually.
  • Up to 55 interest free days on purchases.

Standard ANZ credit card features:

  • Flexible payment options - pay via online or phone banking 24/7, set up an automatic or direct debit payment, pay at any ANZ ATM or visit us in branch.
  • Set up regular payments (like your power bill or gym membership) from your ANZ credit card.
  • Enjoy contactless payments - simply tap your card on the terminal when instructed. You can also pay using your compatible device with Apple Pay1 or goMoney Wallet2 (for personal ANZ Visa credit cards only) anywhere you can tap and pay. For purchases over NZ$80 you will need to enter your card PIN. As the card never leaves your hands, it’s the quick and secure way to pay for purchases.
  • You can transfer your balance from another bank's credit card to an ANZ Visa or ANZ Mastercard which could help you save on interest.


Interest rate on purchases
Interest rate on cash advances
Interest rate on balance transfers
loading product data(View current rates) for 12 months*
Interest free days on purchases
Up to 55 days
Annual fee
$30 p.a.
(charged in full once a year)

SPECIAL OFFER: Get $0 annual fee for the first 12 months on all new ANZ credit cards.^
Joint or additional card
$10 p.a.
(charged in full once a year)

You can apply online, call us on 0800 269 277 (8am-7pm, Monday to Friday and 9am-4pm on Saturday) or visit your nearest ANZ branch.

If you don't currently bank with ANZ, you'll need to provide:

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Interest rates are subject to change. Lending criteria, terms, conditions and fees apply. See Terms and Conditions for more information.

^Offer available for a limited time. After 12 months the standard annual fee will apply. Offer available for all new and approved ANZ credit card customers who open a new ANZ credit card. Transfers from existing ANZ credit cards will not be eligible for this offer. Offer is only available once per customer (not available on multiple cards). Offer not available for existing commercial card relationships. All other fees will still apply.  

* Offer available for a limited time. Balance transfers can be made from non-ANZ Visa and MasterCard, American Express, GE CreditLine, Q Card and Farmers Card. Full details are contained in the ANZ Credit Card Conditions of Use available from or any branch. After 12 months our standard purchase interest rate will apply to any remaining balance transfer amount. Standard interest rates for ANZ Visa or ANZ Mastercard (currently 20.95% p.a. on purchases and 22.95% p.a. on cash advances) apply to new transactions and repayments will generally be applied to balance transfer amounts before new purchases.

1 Terms and conditions apply to Apple Pay, see for more information.

2 Android™ and Google Play are registered trademarks of Google Inc. ANZ goMoney Wallet eligibility criteria, terms and conditions apply. See for more information.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on
0800 269 296.

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