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ANZ Credit Cards review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ANZ’s low interest rate card suits Australian customers who want interest-free days on purchases and a balance transfer offer rather than rewards. It charges an annual fee of AUD 58 and a balance transfer fee of 3%, so shoppers should compare those costs carefully before applying.

Key facts

Best for
Australian credit card shoppers prioritising purchase interest-free days and balance transfer support over rewards.
Annual fee
A$58↗
Rewards type
None↗
Balance transfer intro period
26 months↗
Balance transfer fee
3%↗
Perks
Up to 55 interest-free days on purchases, No cost for up to 3 additional cardholders, ANZ Falcon 24/7 anti-fraud protection, Digital wallet compatible, $1,000 minimum credit limit↗
Card kind
Credit↗
Legal entity
Australia and New Zealand Banking Group Limited↗
Headquarters
Australia↗
Support channels
Phone, Help-centre↗
Official website
anz.com.au

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
WikidataLinkedIn

Pros and cons

Pros

  • Interest-free days on purchases support everyday spending management.
  • Additional cardholders are available at no cost, subject to the stated limit.
  • The card includes ANZ Falcon anti-fraud protection and digital wallet compatibility.
  • The balance transfer offer charges a balance transfer fee of 3% for 26.

Cons

  • The low interest rate card has an annual fee of AUD 58 and charges 3% for a balance transfer.
  • Cashback, points and miles are not among its rewards type (none), so spending on this card earns no scheme benefits.
  • Support runs on phone and help centre only.
ANZ Credit Cards

Ready to try ANZ Credit Cards?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • Customers focused on managing purchase interest costs and interested in a balance transfer offer.
  • Australian customers who value anti-fraud protection, digital wallet compatibility and no-cost additional cardholders.
  • Shoppers who want a credit card without a rewards programme.

Who should look elsewhere

  • bunq, Varo Believe Secured Credit Card and Wise list an annual fee of €0, $0 and £0 respectively, so they may suit cost-focused comparison shoppers.
  • bunq, Varo Believe Secured Credit Card and Wise may be more suitable for shoppers whose priority is a card without the listed ANZ annual fee of AUD 58.

Fees and currency costs

The low interest rate card charges an annual fee of AUD 58. The balance transfer offer costs 3% and runs for 26, making the card primarily suited to customers who want a defined introductory period. The rewards type is none, so the offer focuses on borrowing and purchase costs rather than rewards.

Who runs it

The card is operated by Australia and New Zealand Banking Group Limited and is based in Australia. ANZ credit card support runs on phone and help centre. The relevant licence is an Australian credit licence, with the licensing authority not named on the page.

How ANZ Credit Cards compares

Where ANZ Credit Cards is available

Available
Australia
Licence in Australia
Australian credit licence (licensing authority not named on the page) (234527), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What are the main fees for the ANZ low interest rate card?+

The low interest rate card has an annual fee of AUD 58. It also charges a balance transfer fee of 3%, so the card may cost more to retain and use when transferring a balance.

Does the ANZ low interest rate card earn rewards?+

The card offers interest-free days on purchases and a promotional balance transfer period. Its rewards type is none, so it is aimed more at managing borrowing costs than earning card rewards.

What additional features are included with the card?+

Additional cardholders are free, within the number allowed in the card's listed benefits (Up to 55 interest free days on purchases, No cost for up to 3 additional cardholders and ANZ Falcon 24/7 anti fraud protection). The same list includes digital wallet compatibility and ANZ Falcon anti-fraud protection for card transactions.

How can ANZ credit card customers get support?+

Support is available by phone and through a help centre. These are the support channels listed for the ANZ credit card service, giving customers a direct call option and self-service assistance.

Who operates the ANZ credit card?+

The card is issued by Australia and New Zealand Banking Group Limited and is based in Australia. The relevant listing names an Australian credit licence, with the licensing authority not named on the page.

Who is the low interest rate card designed for?+

The card is presented as a low interest rate credit card with purchase interest-free days and a balance transfer offer. It may suit Australian customers who want to manage everyday spending or transfer an existing balance rather than collect rewards.

Is the ANZ low interest rate card suitable for rewards shoppers?+

The card is a credit card and the listed rewards type is none. It includes purchase interest-free days, but customers who prioritise cashback, points or miles may find a rewards-focused card more suitable.

Sources

  • anz.com.au checked September 26, 2026

    Backs: Headquarters

    “(c) Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522”

  • anz.com.au/personal/credit-cards checked September 26, 2026

    Backs: Support channels, Licences

    “Call 13 33 33 ... Go to support centre”

  • anz.com.au/personal/credit-cards/low-interest-rate-card checked September 26, 2026

    Backs: Annual fee, Balance transfer fee, Balance transfer intro period, Card kind, Legal entity, Perks, Rewards type

    “$58 Annual Fee”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Currency conversion fee.

ANZ Credit Cards

ANZ Credit Cards

Australian credit card shoppers prioritising purchase interest-free days and balance transfer support over rewards.

8.9/10See alternatives