ANZ Visa or MasterCard

person with a bag of money

Great if you want a credit card with a low annual fee

credit card

A classic, no-frills card

eftpos machine

Good for everyday spending or as a cost effective option if you only use a card occasionally

At a glance


Our lowest annual fee

blue background

loading product data(View current rates)

Interest rate on purchases

Up to 55 days

Up to 55 days interest free on purchases


Special offer


Get $0 annual fee for the first 12 months on all new ANZ credit cards.*

Low fee


Our lowest annual card fee

Transfer your balance


Transfer your balance from another bank’s credit card to an ANZ Visa or Mastercard and take advantage of our special offer - 1.99% p.a. for 12 months on the transferred balance.
Find out more about balance transfers.



Make your life easier by setting up regular payments from your card for things like your phone and power bill or your gym membership


Easy to manage and pay via ANZ Internet Banking, ANZ goMoney, at ATMs, over the phone or at any ANZ branch – it’s your choice


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



Visa and MasterCard’s Zero Liability policy means you’re not liable for unauthorised transactions on your card, provided you haven’t contributed to the loss in any way and you notify us within a reasonable time if your card is lost or stolen#


ANZ’s fraud monitoring system identifies any unusual activity on your account. If we suspect fraudulent activity, we’ll try to contact you to confirm the transaction. If we can’t contact you, we’ll make a decision on whether we need to block your account until we can reach you

Rates and fees

Interest rate on purchases Interest rate on cash advances Interest rate on balance transfers Interest free days on purchases Annual fee Joint or additional card
loading product data(View current rates) loading product data(View current rates) loading product data(View current rates) for 12 months~ Up to 55 days $35 p.a. (charged in full once a year) $10 p.a.
More about credit card rates, fees and agreements.

Easy ways to apply


Apply online

Apply now


By phone

Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm
0800 269 277

person behind a desk

At any branch

Find a branch

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

Find and compare ANZ credit cards

Find the right card  Compare cards

important info iconImportant information

*Offer ends 27 January 2017. 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.

Interest rates are subject to change. Lending criteria, terms, conditions and fees apply. See Rates, Fees and Agreements for more information.

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.

# Conditions and exceptions apply. For further details, see MasterCard Zero Liability, Visa Zero Liability and the ANZ credit card Conditions of Use. Lending criteria, terms, conditions and fees apply to all ANZ credit cards.

~ 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 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.

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.


You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.