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Credit card comparison table - Credit cards & debit cards

Credit card comparison table

ANZ credit cards are protected by ANZ Falcon™ Security, providing advanced around the clock monitoring for suspicious transactions. So you can feel secure about purchases with your credit card online, overseas or over the phone.

Credit card comparison table
Products Total annual fee
for new applicants		 Interest rate %p.a.1 Balance transfer2 Rewards Insurance
ANZ First Visa $30 18.99% p.a.
(purchases)
20.74% p.a. (cash advance)		 7.99% p.a.
for the first 6 months		   Insurance features3
ANZ Low Rate MasterCard® $58 13.24% p.a.
(purchases)
21.49% p.a. (cash advance)		 0% p.a.
for the first 6 months		    
ANZ Balance Visa $794 14.24% p.a.
(purchases)
21.49% p.a. (cash advance)		 - Rewards  
ANZ Gold $87 18.99% p.a.
(purchases)
20.74% p.a. (cash advance)		 7.99% p.a.
for the first 6 months		   Insurance features6,3
ANZ Rewards $895 19.49% p.a.
(purchases)
20.74% p.a. (cash advance)		 - Rewards  
ANZ Rewards Gold $1295 19.49% p.a.

(purchases)
20.74% p.a. (cash advance)

 - Rewards  
ANZ Frequent Flyer $957 19.49% p.a.
(purchases)
20.74% p.a. (cash advance)		 - Rewards  
ANZ Frequent Flyer Gold $1957 19.49% p.a.
(purchases)
20.74% p.a. (cash advance)		 - Rewards  
ANZ Frequent Flyer Platinum $2957 19.49% p.a.
(purchases)
20.74% p.a. (cash advance)		 - Rewards Insurance features8

All applications for credit are subject to ANZ's credit assessment criteria.

Terms and Conditions available on application. Fees and charges apply.

1. Rates as at Friday, 30 July 2010 and subject to change.

2. Balance transfer rates shown are as at Friday, 30 July 2010 and subject to change, including as a result of special offers. Not applicable when you transfer and close an existing ANZ credit card. The balance transfer must be completed at the time of applying for, or at the time of activating your new credit card. The balance transfer interest rate reverts to the standard variable interest rate applicable to purchases on your card after the period referred to in the "Balance Transfer" column of the above table from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate applicable to purchases. Interest accrues on balance transfers from the date the transfer is processed by ANZ. ANZ will not be liable for any loss or damage whatsoever resulting form a delay in the process of receiving and or approving applications.

3. 90 Day Purchase Security Insurance and Extended Warranty insurance are underwritten by Zurich Australian Insurance Limited.

4. Includes a $22 Rewards Program services fee, which applies per card issued under your account. An annual $10 Additional cardholder fee also applies for each additional card.

5. For ANZ Rewards a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. For ANZ Rewards Gold a Total Annual Fee of $129 applies which includes a $74 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. The Total Annual Fee information displayed on this page applies to new customers only. Existing customers may be subject to a different Total Annual Fee and should call 13 22 73 for information regarding the Total Annual Fee that applies to their account.

6. Overseas Travel and Medical Insurance is underwritten by American Home Assurance Company trading as AIG Australia (ABN 67 007 483 267). To be eligible for ANZ Gold Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your ANZ Gold prior to departing Australia, and have a return ticket to Australia within four months of departure and be under 80 years of age. For more information refer to the ANZ Credit Card Insurance Features booklet (PDF 244kB).

7. For ANZ Frequent Flyer a Total Annual Fee of $95 applies which includes a $40 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. For ANZ Frequent Flyer Gold a Total Annual Fee of $195 applies which includes a $140 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. For ANZ Frequent Flyer Platinum a Total Annual Fee of $295 applies which includes a $240 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. The Total Annual Fee information displayed on this page applies to new customers only. Existing customers may be subject to a different Total Annual Fee and should call 13 22 73 for information regarding the Total Annual Fee that applies to their account.

8. Overseas Travel and Medical Insurance is underwritten by American Home Assurance Company trading as AIG Australia (ABN 67 007 483 267). Terms and conditions apply. For more information, please call 13 22 73. To be eligible for ANZ Frequent Flyer Platinum Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your ANZ Frequent Flyer Platinum prior to departing Australia, and have a return ticket to Australia within six months of departure and be under 80 years of age. For more information refer to the ANZ Frequent Flyer Platinum Insurance Policy Information booklet (PDF 556kB).

American Express is a registered trademark of American Express. This card is issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation (DUNS) ABN 074 664 715. ANZ's colour blue is a trademark of ANZ.

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