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The annual fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at  and is subject to change. For applicable fees and charges please see the ANZ Consumer Credit Cards Fees and Charges (PDF).

Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your ANZ Credit Card Account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $125 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $125 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $125 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached the ANZ Credit Card Conditions of Use (PDF).

After the first year an annual fee applies, currently $30. Please see the ANZ Consumer Credit Cards Fees and Charges (PDF) and ANZ Credit Card Conditions of Use (PDF).

The Annual Fee for ANZ First is currently $30 as at  and is subject to change.

The standard variable annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Low Rate,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ First,  on the purchases balance,  on the cash advances balance and   on the standard balance transfers balance for ANZ Platinum,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Frequent Flyer,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Frequent Flyer Platinum,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Frequent Flyer Black,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Rewards,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Rewards Platinum and  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Rewards Black,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Rewards Travel Adventures. These rates are current as at  and are subject to change.

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF). Existing customers should review their credit contract for information regarding their account.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) and the ANZ First Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply.  Please visit Cashrewards for further details.

Purchase Protection Insurance and Extended Warranty Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Group Policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit license 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the Group Policy are set out in the ANZ First Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

This insurance is issued by OnePath Life Limited ABN 33 009 657 176, AFSL 238341 (OnePath Life) or by OnePath General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (OnePath GI). OnePath Life and OnePath GI are subsidiaries of Australia and New Zealand Banking Group Limited (ANZ). ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer. The issuers are not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than the relevant issuer. ANZ recommends that you read the ANZ Financial Services Guide (PDF 104kB) and the relevant Product Disclosure Statement for further information about its association with the issuer and any benefits that it may receive and other important information before deciding whether to acquire or hold this product.

The ANZ Platinum Annual Fee will be waived in the first year. In each subsequent year, if Eligible Purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next Annual Fee will be waived. The date Purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last Annual Fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your Annual Fee) and ends on the day your next Annual Fee would be charged. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of Eligible Purchases excluding refunds and reversals in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you are in default or breached the ANZ Credit Card Conditions of Use (PDF).

Refer to the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance booklet (PDF) for further information. Eligibility criteria may include making a purchase with your card.

Applications for credit are subject to ANZ’s eligibility and credit approval criteria. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice.

Offer available in respect of balance transfers requested from Australian non-ANZ credit and store cards only at the time of applying for the new ANZ credit card. ANZ will process the balance transfer requested and any applicable fees up to 95% of your approved credit limit. Depending on the credit limit we approve, this might be less than the full amount of the amount of balance transfer you request when you apply.

The balance transfer Promotional Plan annual percentage rate expires 28 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 28 months the standard balance transfer annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. The standard balance transfers annual percentage rate is currently for ANZ Low Rate Card, and is subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF).

See the ANZ Credit Card Conditions of Use (PDF) and the ANZ Consumer Credit Cards Fees and Charges (PDF) for more information about fees and charges. If you transfer to a different credit card account this offer will cease to apply.

The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 3% of the balance transferred and will be applied at the time the balance is transferred and forms part of the Promotional Plan balance.

After the first year an annual fee applies, currently $58. Please see the ANZ Consumer Credit Cards Fees and Charges (PDF) and ANZ Credit Cards Conditions of Use (PDF).

Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer.

Eligible purchases include purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions, and will not qualify.

The $250 will generally be credited to your credit card account within three months meeting the spend criteria. The $250 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ.

You will not be eligible for the $250 back if your credit card account is cancelled, suspended, transferred, or you are in default or breach of the ANZ Credit Card Conditions of Use (PDF).

The annual fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Consumer Credit Cards Fees and Charges (PDF).

ANZ Reward Points are earned and redeemed in the ANZ Rewards store in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF).

Offer available to new and approved applicants who apply for an ANZ Rewards Black Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). The $150 will generally be credited to your credit card account within three months of meeting the spend criteria. The $150 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. ANZ Rewards Points will generally be credited to your ANZ Rewards Account within 3 months of meeting the spend criteria. ANZ Rewards Points will not be credited and you will not be eligible for the $150 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit card in the last 12 months.

For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee.  For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of  $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

Offer available to new and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). The 100,000 extra ANZ Reward Points and the $50 will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the Purchases balance and does not constitute a payment under your contract with ANZ. The 100,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Rewards Credit Card in the last 12 months.

Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.

Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum Credit Card and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). The 75,000 bonus Qantas Points and $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 75,000 bonus Qantas Points will not be credited and you will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account.  These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). The 90,000 bonus Qantas Points and $200 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $200 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 40,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. The 130,000 bonus Qantas Points will not be credited and you will not be eligible for $200 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF) prior to the bonus Qantas Points or $200 being credited to your ANZ Credit Card Account. You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765. Qantas Club Complimentary Invitations will then be available via the Complimentary Invitations Portal, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use (PDF) and the account remains open. Qantas Club Complimentary Invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas operated International Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way and Qantas reserves the right to cancel invitations that are in breach of this policy. Invitations are valid for 12 months from date of issue. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on qantas.com/qantasclub. Qantas Club Complimentary Invitations are subject to Complimentary Lounge Invitation Terms and Conditions and Qantas Club Lounge Entry Terms and Conditions. Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff.

Offer only available to ANZ Frequent Flyer Black cardholders who are Australian residents. Offer non-transferable and not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. Customers who are eligible for this offer and contact the Qantas Frequent Flyer Service Centre on 13 11 31 to renew or purchase a new standard one year individual Qantas Club membership using an ANZ Frequent Flyer Black card will receive a joining fee waiver and discount on their standard one-year individual membership rate for Australian residents. Please speak to the Qantas Frequent Flyer Service Centre for current discounts and pricing. Different rates may be available for those with access to the Qantas Club Corporate scheme. Only one joining fee waiver and one membership fee discount available per year, per cardholder. Qantas Club membership is subject to approval by Qantas and to the terms and conditions of The Qantas Club, available at qantas.com/qantasclub.