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Apply for a card - Credit cards & debit cards

Apply for a card

Apply online and receive a response in 60 seconds!

To apply, simply select the credit card that is right for you and we will take you directly to the online application form. The online application will take you about 10-15 minutes to complete.

Find out what details you will need to apply online.

Which ANZ credit card should you apply for?

At ANZ, we'll do whatever it takes to help you choose a card that's right for your needs. Whether you're looking for a low interest rate, low annual fee, rewards, or you want the world at your feet with special privileges and upgrades. You can even choose a Visa debit card and use your own funds anywhere Visa is accepted.

The following summary will guide you to the credit card of your choice.

Credit card comparison table
Products Total Annual Fee
for new applicants		 Standard variable interest rate
% pa1		 Balance transfer2 Rewards Insurance
ANZ First Visa $30 18.99% p.a.
purchases
20.74% p.a.cash
advance		 2.9% pa
for the first 12 months		   ANZ First Visa insurance features3
ANZ Low Rate MasterCard $58 13.24% p.a.
purchases
21.49% p.a.
cash
advance		 2.9% pa
for the first 12 months		    
ANZ Balance Visa $794 14.24% p.a.
purchases
21.49% p.a.cash
advance		 2.9% pa
for the first 12 months		 ANZ Balance Visa rewards  
ANZ Gold $87 18.99% p.a.
purchases
20.74% p.a.cash
advance		 2.9% pa
for the first 12 months		   ANZ Gold insurance features3,5
ANZ Rewards $896 19.49% p.a.
purchases
20.74% p.a.cash
advance		 2.9% pa
for the first 12 months		 ANZ Rewards rewards  
ANZ Rewards Gold $1296 19.49% p.a.
purchases
20.74% p.a.cash
advance		 2.9% pa
for the first 12 months		 ANZ Rewards Gold rewards  
ANZ Frequent Flyer $957 19.49% p.a.
purchases
20.74% p.a.cash
advance		 2.9% pa
for the first 12 months		 ANZ Frequent Flyer rewards  
ANZ Frequent Flyer Gold $1957 19.49% p.a.
purchases
20.74% p.a.cash
advance		 2.9% pa
for the first 12 months		 ANZ Frequent Flyer Gold rewards  
ANZ Frequent Flyer Platinum $2957 19.49% p.a.
purchases
20.74% p.a.
cash
advance		 2.9% pa
for the first 12 months		 ANZ Frequent Flyer Platinum rewards ANZ Frequent Flyer Platinum insurance features8
Debit card applications
If you want all of the benefits of using a credit card while accessing your own money, then get an ANZ Access Visa Debit Card on your ANZ Access Advantage,  ANZ Access Select or ANZ Access Deeming account. A credit application is not necessary, and the debit card allows you to shop online and over the phone at more than 29 million outlets around the world. Find out more about an ANZ Access Visa Debit account.
ANZ credit card selector
Still not sure which credit card to apply online for? ANZ credit card selector tools and calculators may help you find the card that is right for you.
ANZ credit card application requirements
  • You are over 18 years of age.
  • You have a good credit rating.
  • You are a permanent Australian resident, earning a minimum annual income of $15,000 if applying for an ANZ Credit Card. If you require a Gold or Platinum Card or you are a non-permanent Australian resident, you must earn a minimum annual income of $50,000.

Information required to complete an online credit card application

Please ensure you have all the information required before starting, including:

  • your email address, to receive a response in 60 seconds
  • Australian driver's licence (if applicable)
  • your employer's address and contact number (as listed in the White Pages)
  • your accountant's name and contact number (if self employed)
  • details of your income, assets and liabilities.

We will offer you a credit limit based on the information you provide us, so it is important to provide us with as much information as possible.
What happens after you apply online?
  • You should receive a response in 60 seconds and an online application reference number.
  • Once approved, you will usually receive your card and welcome kit within five business days
  • When you receive your card you will need to activate your card before you commence using it. A PIN advice will be mailed 2 business days after the card is issued, and you will have a choice of verifying your credit purchase with either a PIN or a signature at the point of sale. If you have an ANZ American Express® card attached to your credit card account, you will not be issued with a PIN. You should sign for verification of a transaction both in Australia and overseas.
  • You can manage your account through ANZ Phone Banking, ANZ Internet Banking or ANZ Mobile Phone Banking. Register for ANZ Phone Banking to obtain Customer Registration Number and Telecode, which will also allow you to also manage your card through ANZ Internet Banking.

If you have any problems with your online application call us on 13 33 33 from 8.00 am to 8.00 pm (AEST) Monday to Friday and quote your online application reference number.
What do you need to do if your application gets approved and you are a new ANZ customer?

As a new ANZ customer, you will need to complete ANZ's Customer Identification Process. We request that you visit any ANZ branch in Australia and provide personal identification to satisfy this identification requirement.

Prior to visiting an ANZ Branch, please refer to the Customer Identification Process Acceptable Identification Documents form (PDF 56kB) for details of acceptable identity documents.
If you do not want to apply online?

Simply call us on 13 33 33 from 8.00 am to 8.00 pm (AEST) Monday to Friday or visit any ANZ branch.

To find your local branch visit our online ANZ Branch Locator.

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. 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. Balance transfers to an ANZ Balance Visa account will be subject to a 1% fee on the amount transferred. This fee will not apply to balance transfers requested at the time of credit card application.

3. 90-day Purchase Security Insurance and Extended Warranty insurance are underwritten by Zurich Australian Insurance Limited. 8 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 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). ™ 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.

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. 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) 

6. 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. 

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.

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