ANZ Credit Cards review

The low interest rate card charges an annual fee of AUD 58. That covers the low rate and the interest-free purchase window, and a balance transfer on the same card costs 3% each time. The low annual fee card, at AUD 30 a month, is the cheaper option if you pay in full.

The intro period runs 26, and the transfer fee is 3%. Both sit on the low interest rate card, which also charges an annual fee of AUD 58, so a transfer adds cost on top of a card that already costs to hold.

The reward type is none, so there is no cashback or points to earn back on spending. The benefits list, Up to 55 interest free days on purchases, No cost for up to 3 additional cardholders and ANZ Falcon 24/7 anti fraud protection, leans practical instead, with an interest-free purchase window on purchases, no cost for additional cardholders and round the clock anti-fraud protection.

The card runs on visa, which most merchants accept in Australia and abroad. Up to 55 interest free days on purchases, No cost for up to 3 additional cardholders and ANZ Falcon 24/7 anti fraud protection also notes digital wallet compatibility, so the same card works in a phone wallet as well as in person.

ANZ holds an Australian credit licence, recorded as 234527, and is based in Australia under Australia and New Zealand Banking Group Limited. Up to 55 interest free days on purchases, No cost for up to 3 additional cardholders and ANZ Falcon 24/7 anti fraud protection lists ANZ Falcon anti-fraud protection running round the clock, which watches transactions on the card.

Support runs on phone and help centre, so you can phone or use the help centre. No chat or email channel is listed, which matters if you would rather message than call about a fee or a transfer.

Yes, Up to 55 interest free days on purchases, No cost for up to 3 additional cardholders and ANZ Falcon 24/7 anti fraud protection states there is no cost for additional cardholders, which helps a partner or family member share the account. The same list also carries a minimum credit limit, so extra cards draw on the same limit as the main cardholder.