Updated September 28, 2026 · SumCue Editorial Team
ANZ Credit Cards vs Kiwibank
ANZ Credit Cards
Kiwibank
Higher score in this comparison
Where ANZ Credit Cards and Kiwibank differ
| Compare | ANZ Credit CardsReviewSee alternativesSee alternatives | KiwibankReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | A$58 | NZ$0 |
| Balance transfer intro period | 26 monthsHigher | 6 months |
| Balance transfer fee | 3% | 1%Lower |
| 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 | 55 days interest free on purchases |
| APR | Not confirmed | 12.9% |
| Currency conversion fee | Not confirmed | 2.5% |
Same on both: Rewards type (None), Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Kiwibank scores higher overall: 9.2 vs 8.9.
- Balance transfer fee is lower at Kiwibank: 1% vs 3%.
- Balance transfer intro period is higher at ANZ Credit Cards: 26 months vs 6 months.
- Perks: only ANZ Credit Cards offers Up to 55 interest free days on purchases, No cost for up to 3 additional cardholders, ANZ Falcon 24/7 anti fraud protection.
- Perks: only Kiwibank offers 55 days interest free on purchases.
- Support channels: only Kiwibank offers Email, Chat.
Our verdict on each
ANZ Credit Cards
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.
Kiwibank
Kiwibank suits New Zealand bank customers who want a plain everyday card, with a NZD 0 monthly fee on the Visa debit card and rewards listed as none. Costs stay light at home, but a currency conversion fee of 2.5% makes overseas spending the trade-off to weigh.
Score breakdown
| Area | ANZ Credit Cards | Kiwibank |
|---|---|---|
| Cost | 8.7The low interest rate card charges an annual fee of AUD 58, with a balance transfer fee of 3%. | 8.9HigherAPR 12.9% on the credit card and a balance transfer fee of 1% for 6. |
| Offer | 9.1The offer includes interest-free days on purchases, free additional cardholders, anti-fraud protection and digital wallet compatibility. | 9.9Higher |
| Trust | Not confirmed | 9.1 |
Where each is licensed and available
| Country | ANZ Credit Cards | Kiwibank |
|---|---|---|
| Australia | Not confirmed | |
| New Zealand | Not confirmed |
Additional countries for ANZ Credit Cards: 1. Additional countries for Kiwibank: 1.
What we checked
ANZ Credit Cards
- anz.com.au: 9 facts, checked September 26, 2026
Kiwibank
- kiwibank.co.nz: 7 facts, checked September 26, 2026
- creditcardscompare.co.nz: 3 facts, checked September 26, 2026
- en.wikipedia.org: 3 facts, checked September 26, 2026
- wise.com: 1 fact, checked September 26, 2026
How they place
| Ranking | ANZ Credit Cards | Kiwibank |
|---|---|---|
| Credit and debit cards | 564 of 1594 | 325 of 1594 |
| Credit cards | 168 of 421 | 106 of 421 |
| Balance transfer cards | 24 of 32 | 11 of 32 |
Every fact side by side
| Fact | ANZ Credit Cards | Kiwibank |
|---|---|---|
| Pricing model | Not confirmed | No annual fee |
| Audience | Not confirmed | Business |
| Legal entity | Australia and New Zealand Banking Group Limited | Kiwibank Limited |
| Headquarters | Australia | New Zealand |
| Founded | Not confirmed | 2001 |
| Support channels | Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Loans
| Fact | ANZ Credit Cards | Kiwibank |
|---|---|---|
| Lender type | Not confirmed | Direct lender |
| Loan types | Not confirmed | Personal |
Savings
| Fact | ANZ Credit Cards | Kiwibank |
|---|---|---|
| Monthly fee | Not confirmed | NZ$0 |
Where each stands against the rest
| Fact | ANZ Credit Cards | Kiwibank | Median |
|---|---|---|---|
| APR | Not confirmed | 12.9%above the median | 11.635% |
| Currency conversion fee | Not confirmed | 2.5%above the median | 1% |
| Balance transfer intro period | 26 monthshighest quarter | 6 monthslowest quarter | 12 months |
| Balance transfer fee | 3%at the median | 1%below the median | 3% |
Median across 486 listed providers.
Pros and cons
ANZ Credit Cards
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.
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.
Kiwibank
Pros
- The Visa debit card carries a monthly fee of NZD 0 and ranks 1 of 422 on that measure.
- Support covers phone, email and chat, so you can reach a person in the way you prefer.
- Purchases on the credit card can run interest free, with 55 days interest free on purchases.
Cons
- Spending abroad is costly: the currency conversion fee is 2.5%, which ranks Kiwibank at 196 of 258.
- The credit card has a rewards type of none, so spending earns nothing back.
- The debit card is aimed at business customers, so personal shoppers get less from it.
Who each suits
ANZ Credit Cards
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.
Kiwibank
Who it suits
- New Zealand bank customers who want an everyday Visa debit card without a monthly charge.
- People who want a credit card with an interest-free purchase window and an annual fee of NZD 0.
- Borrowers moving an existing balance who can use the 6 introductory window.
Who should look elsewhere
- Wise, if you convert currency often, because a currency conversion fee of 2.5% pushes Kiwibank down the fee ranking.
- bunq, if your spending sits outside New Zealand, since bunq's monthly fee is €0 while Kiwibank's card serves a single market.
- Varo Believe Secured Credit Card, if you want the card secured, since Kiwibank offers a debit card and a credit card instead.
Current offers
ANZ Credit Cards
Current offer
Bonus
ANZ Low Rate credit card: $400 back to your new card: AUD 400
Spend $5,000 on eligible purchases in the first 6 months from approval; new approved applicants only, one offer per applicant, not available with other offers or when transferring from an existing ANZ credit card; annual fee currently $58
Source, checked September 26, 2026
First period offer
ANZ Low Rate credit card: 0% p.a. balance transfer rate and $0 annual fee in the first year: 0% p.a. for 26-month promotional period, 3% balance transfer fee, AUD 0 annual fee in year one
Balance transfers from Australian non-ANZ credit and store cards up to 95% of approved credit limit; 26-month period starts at the Letter of Offer date; annual fee $58 after the first year; T&Cs and eligibility criteria apply
Source, checked September 26, 2026
Bonus
ANZ First credit card: $220 back to your new card: AUD 220
Spend $1,500 on eligible purchases in the first 3 months from approval; annual fee currently $30; T&Cs, eligibility criteria, fees and charges apply
Source, checked September 26, 2026
Bonus
ANZ Platinum credit card: $450 back to your new card: AUD 450
Spend $4,500 on eligible purchases in the first 4 months from approval, plus $0 annual fee in the first year; annual fee $87 thereafter; T&Cs, eligibility criteria, fees and charges apply
Source, checked September 26, 2026
Country by country
| Country | ANZ Credit Cards | Kiwibank |
|---|---|---|
| Australia | Yes | No |
| New Zealand | No | Yes |
Questions about each
ANZ Credit Cards
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.
Kiwibank
What does the Kiwibank debit card cost each month?+
The Visa debit card has a monthly fee of NZD 0, which is why Kiwibank ranks 1 of 422 on that measure. The card is a debit card on the visa network, so the monthly charge is the only regular cost listed.
What does it cost to spend in another currency?+
The currency conversion fee is 2.5% on the debit card, and Kiwibank sits at 196 of 258 on that measure. Spending in New Zealand on the card avoids that cost, so the card suits local use. Travellers who convert often should weigh the fee before applying.
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ANZ Credit Cards
Kiwibank