FEATURES SUMMARY

• Annual fee: $79
• Purchase rate: 18.99% p.a.
• Cash Advance rate: 20.24% p.a.
• Balance Transfer rate: 2.99% p.a. first 6 months (18.74%)
• Interest-free days: Up to 55 days

• Extras:
  • Rewards
  • Apply online
  • Phone/Internet banking
  • Visa Entertainment benefits
  • Worldwide emergency credit card replacement

The ANZ Rewards Visa Gold is the next step up from the standard ANZ Rewards Visa, so the majority of its features are exactly the same.

Like the ANZ Rewards Visa, you get 1 point for ever $1.50 you spend and these points are valid for 36 months. Interest rates are also the same with 18.74% p.a. on purchases* and balance transfers (after the 6 month introductory period of 2.99%), and 19.99% p.a. on cash advances*.

But here’s where you the benefits of the ‘Gold’ rewards come into play…

You’ll get all the perks of a premium credit card and more, such as a higher credit limit, commission free traveler’s cheques, ANZ Falcon credit card security, and your maximum spend for earning points is double that of the standard card at $100,000. You’ll also get up to 55 days interest free on purchases* as opposed to just 44 on the standard rewards card.

These features enable this card to take out the #1 spot in the Editor’s Choice category for cash back credit cards category.

While the annual fee on this card is a little more expensive at $79, it is only $31 more than the standard rewards card. So if you’re a reasonably big spender looking for a rewards program to accompany your spending habits then the ANZ Rewards Visa Gold is a good match.

See all our top credit card picks in the Editor’s Choice category