ANZ Credit Cards NZ 2025
Complete guide to ANZ Bank credit cards in New Zealand. Compare all ANZ cards including CashBack, Low Rate, Airpoints, and Platinum options to find your perfect match.
ANZ Credit Cards at a Glance
- Best No Fee Card: ANZ CashBack Visa - $0 annual fee with 1% cashback
- Best for Debt: ANZ Low Rate Visa - 13.90% p.a. with 0% balance transfer
- Best for Travel: ANZ Airpoints Visa - Earn Air NZ rewards
- Best Premium: ANZ Platinum - Flexible rewards and premium benefits
- Income Requirements: From $0 to $50,000 depending on card
ANZ Bank is one of New Zealand's "Big Four" banks, offering a comprehensive range of credit cards to suit different financial needs and lifestyles. From no-fee cashback cards to premium travel rewards, ANZ provides options for every type of spender.
This comprehensive guide reviews all ANZ credit cards available in 2025, comparing features, fees, interest rates, and benefits to help you choose the right ANZ card for your needs.
All ANZ Credit Cards Comparison
ANZ CashBack Visa
- No annual fee
- Automatic cashback
- Contactless payments
- Apple Pay/Google Pay
ANZ Low Rate Visa
- Low ongoing rate
- Balance transfer offer
- No foreign exchange fees
- Purchase protection
ANZ Airpoints Visa
- Air NZ Airpoints
- Travel insurance
- No foreign exchange fees
- Lounge passes
ANZ Airpoints Platinum
- Enhanced Airpoints earning
- Premium travel insurance
- Concierge service
- 4 lounge passes
ANZ Platinum Visa
- Flexible rewards program
- Travel insurance
- Purchase protection
- Extended warranty
Detailed ANZ Credit Card Reviews
ANZ CashBack Visa
Cashback • Min Income: $$0
Pros
- No annual fee ever
- Simple 1% cashback
- Low income requirement
Cons
- $20 monthly cap on cashback
- Lower rate cards available
- No travel insurance
All Features
ANZ Low Rate Visa
Low Interest • Min Income: $$15,000
Pros
- Competitive low rate
- 0% balance transfer
- No FX fees
Cons
- Annual fee applies
- No rewards program
- Basic insurance only
All Features
ANZ Airpoints Visa
Travel Rewards • Min Income: $$35,000
Pros
- Best Airpoints earning rate
- Comprehensive travel insurance
- Status benefits
Cons
- High annual fee
- High purchase rate
- Need to fly Air NZ
All Features
ANZ Airpoints Platinum
Premium Travel • Min Income: $$50,000
Pros
- Highest earning rate
- Premium benefits
- Concierge service
Cons
- Very high annual fee
- High income requirement
- High interest rate
All Features
ANZ Platinum Visa
Premium • Min Income: $$50,000
Pros
- Flexible point redemption
- Good insurance package
- Extended warranty
Cons
- High annual fee
- Points can devalue
- Complex redemption
All Features
ANZ vs Other NZ Banks
| Feature | ANZ | BNZ | Westpac | ASB |
|---|---|---|---|---|
| No Annual Fee Option | ✓ CashBack Visa | ✗ | ✗ | ✓ True Rewards |
| Lowest Rate Card | 13.90% p.a. | 13.90% p.a. | 13.45% p.a. | 13.50% p.a. |
| Cashback Program | 1% (capped $20/month) | 0.5-1% | ✗ | 0.5% |
| Air NZ Partnership | ✓ Strong | ✓ Available | ✓ Available | ✗ |
| App & Digital Features | Excellent | Good | Good | Excellent |
How to Choose the Right ANZ Credit Card
For Cashback Seekers
Want to earn money back on everyday spending?
For Debt Management
Need to consolidate or pay down debt?
For Travel Rewards
Fly frequently with Air New Zealand?
For Premium Benefits
Want maximum perks and flexibility?
How to Apply for ANZ Credit Cards
Check Eligibility
Must be 18+, NZ resident, meet income requirements. Check your credit score first.
Apply Online
15-minute online application. Need ID, income proof, and expense details.
Get Approved
Instant decision for many. Card arrives in 5-7 business days.
Required Documents
ANZ Credit Cards FAQ
Common questions about ANZ credit cards answered.
Frequently Asked Questions
The ANZ CashBack Visa has no annual fee ever. It also offers 1% cashback on all purchases (capped at $20 per month), making it one of the best no-fee cards in New Zealand.
The ANZ Airpoints Visa and ANZ Airpoints Platinum are best for Air NZ travelers. The standard version earns 1 Airpoint per $50 spent, while Platinum earns 1 per $45. Both include travel insurance and the Platinum adds lounge passes and concierge service.
Yes, the ANZ Low Rate Visa offers 0% interest on balance transfers for 6 months with no balance transfer fee. This makes it excellent for consolidating debt from other credit cards.
Income requirements vary: ANZ CashBack has no minimum income requirement, Low Rate needs $15,000+, Airpoints cards require $35,000-$50,000, and Platinum cards need $50,000+ annual income.
Many applications receive instant approval online. If additional verification is needed, it typically takes 1-3 business days. Once approved, your card arrives within 5-7 business days.
Yes, you can hold multiple ANZ credit cards simultaneously, subject to credit approval. Each card is assessed individually based on your income and credit capacity.
Yes, all ANZ credit cards support both Apple Pay and Google Pay for contactless payments in stores and online.
Credit limits vary based on your income, credit history, and the specific card. Typical ranges are $1,000-$30,000+. You can request a limit increase after 6 months of good payment history.
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