Issuer profile · Credit cards
LiveANZ credit cards
ANZ also offers savings accounts, term deposits, personal loans and superannuation · Provider overview →
As of 18 September 2026, ANZ has seven credit cards tracked by BankMate, all carrying a sign-up bonus. The ANZ Rewards Black's 180,000 pts are worth about $900, or $525 after its $375 first-year fee, which ranks 18th of 51 bonus cards.
- Top bonus, net of fee
- $525
- ANZ Rewards Black · $900 less $375
- Market rank
- #18
- of 51 cards with a bonus
- Cards
- 7
- 7 with a bonus · 2 programs
- Last change
- —
- None recorded yet
Offers and when they end
Bonus value net of first-year fee · expiry from the issuer's termsRewards Black ($525 net) and Rewards Platinum ($476 net) and Platinum ($450 net) and Low Rate ($342 net) and Frequent Flyer Black ($215 net) and First ($190 net) and Frequent Flyer Platinum ($25 net) carry a standing bonus with no published end date. Issuers usually renew or reprice an offer at expiry; the changelog records what actually happened.
What changed
No changes recorded for ANZ's credit cards since tracking began on 10 September 2026.
Cards
Ranked by bonus net of first-year fee · of 51 bonus cardsANZ Rewards · 2
180,000 pts ≈ $900 · 130k in year 1
- Annual fee
- $375
- Additional cardholder
- $65
- Foreign transaction fee
- 3.5%
- Rewards program
- ANZ Rewards
- Base earn rate
- 1 ANZ Rewards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Earn 130,000 extra ANZ Reward Points and $100 back to your new ANZ Rewards Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval.
125,000 pts ≈ $625 · 85k in year 1
- Annual fee
- $149
- Additional cardholder
- $65
- Foreign transaction fee
- 3.5%
- Rewards program
- ANZ Rewards
- Base earn rate
- 0.5 ANZ Rewards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Earn 85,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum card when you spend $3,500 on eligible purchases in the first 3 months from approval.
Qantas Frequent Flyer · 2
80,000 pts ≈ $640 · 40k in year 1
- Annual fee
- $425
- Additional cardholder
- $65
- Foreign transaction fee
- 3.5%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.5 Qantas Frequent Flyer pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Earn 40,000 bonus Qantas Points on your new ANZ Frequent Flyer Black credit card when you spend $6,000 on eligible purchases in the first 3 months from approval.
40,000 pts ≈ $320 · 20k in year 1
- Annual fee
- $295
- Additional cardholder
- $65
- Foreign transaction fee
- 3.5%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.5 Qantas Frequent Flyer pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Earn 20,000 bonus Qantas Points on your new ANZ Frequent Flyer Platinum credit card when you spend $3,500 on eligible purchases in the first 4 months from approval.
No rewards · 3
$450 value
- Annual fee
- $87
- First-year fee
- $0
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
$450 back to your new card when you spend $4,500 on eligible purchases in the first four months from approval.
$400 value
- Annual fee
- $58
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- None
- Purchase rate
- 13.74% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Earn $400 back to your new card when you spend $5,000 on eligible purchases in the first 6 months from approval.
$220 value
- Annual fee
- $30
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- None
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
$220 back to your new ANZ First credit card when you spend $1,500 on eligible purchases in the first 3 months from approval.
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Notes on ANZ credit cards
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