ANZ Credit Cards Review

ANZ offer an extensive range of credit cards the features of which satisfy almost any possible credit requirement. If its a 0% introductory offer on balance transfers, a low standard rate or a rewards for every dollar you spend, the ANZ range can provide a card that fits.

Please see below for a full description of the range of ANZ Credit Cards:

ANZ "Low Rate" Card

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Introductory Offer
Balance Transfer Rate:	0% p.a. for 6 mths
Purchase Rate:	N/A
Standard Rates
Purchases:	11.99% p.a.
Balance Transfers:	11.99% p.a.
Cash Advance:	19.99% p.a.
Annual Fee:	$58 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $15,000.pa

ANZ First Card

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Advice

No annual account fee for the first 12 months

Introductory Offer
Balance Transfer Rate:	7.99% p.a. for 6 mths
Purchase Rate:	N/A
Standard Rates
Purchases:	18.24% p.a.
Balance Transfers:	18.24% p.a.
Cash Advance:	19.24% p.a.
Annual Fee:	$30 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 44 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $15,000.pa

Credit Card Benefits

Annual Fee only $26 if linked to ANZ Access Account
Extended Warranty of 12 months after expiry of manufactures (up to 5 years)
90 day purchase security
Online Fraud Protection
3 Free Additional Cardholders

ANZ Frequent Flyer

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Introductory Offer
Balance Transfer Rate:	2.99% p.a. for 12 mths
Purchase Rate:	N/A
Standard Rates
Purchases:	18.99% p.a.
Balance Transfers:	18.99% p.a.
Cash Advance:	19.24% p.a.
Annual Fee:	$95 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 44 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa If you are NOT a permanent resident/citizen of Australia you must have an Income of over $50,000.pa

Credit Card Rewards

$1 Spent = 1 Qantas Point up to $2,500
$2,500+ 2 Qantas Points

ANZ Balance

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Advice

There is a $22p.a charge for the Rewards Program Fee (per card) and a $10p.a additional card holder fee

Introductory Offer
Balance Transfer Rate:	0% p.a. for 6 mths
Purchase Rate:	N/A
Standard Rates
Purchases:	12.99% p.a.
Balance Transfers:	12.99% p.a.
Cash Advance:	19.99% p.a.
Annual Fee:	$79 p.a.
Standard Features
Credit Limit:	$15,000
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $15,000.pa

Credit Card Rewards

Repay $1 from your Balance and you earn 1 Reward point.
You can exchange these points for a choice of - Cashback, Shopping Vouchers or Gift Cards.

ANZ Gold

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Introductory Offer
Balance Transfer Rate:	7.99% p.a. for 6 mths
Purchase Rate:	N/A
Standard Rates
Purchases:	18.24% p.a.
Balance Transfers:	18.24% p.a.
Cash Advance:	19.24% p.a.
Annual Fee:	$87 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $50,000.pa

Credit Card Benefits

Comprehensive Global Travel & Medical Insurance
Extended Warranty of 12 months after expiry of manufactures (up to 5 years)
90 day purchase security
Online Fraud Protection
8 Free Additional Cardholders

ANZ Visa Debit

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Advice

$0 Monthly Fee for the first 6 months! Then unlimited ANZ transactions for $6 a month.

Introductory Offer
Balance Transfer Rate:	N/A
Purchase Rate:	N/A
Standard Rates
Purchases:	N/A
Balance Transfers:	N/A
Cash Advance:	N/A
Annual Fee:	$72 p.a.
Standard Features
Credit Limit:	N/A
Interest Free Days:	N/A
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age

Credit Card Benefits

$0 Monthly Fee for the first 6 months! Then unlimited ANZ transactions for $6 a month.
(This includes ANZ ATMs, EFTPOS, ANZ Phone and Internet Banking and ANZ branches)
NO Credit Check required

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