FEATURES SUMMARY

 

 

• Annual fee: Low annual fee
• Purchase rate: Low p.a. purchase rate
• Cash Advance rate: Low p.a. cash advance rate
• Balance Transfer rate: Low p.a. balance transfere rate
• Interest-free days: Up to 44 days

• Extras:
  • Rewards
  • 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 on purchases* and balance transfers (after the 6 month introductory period).

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.

The annual fee on this card is a reasonable. 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

FEATURES SUMMARY

 

 

• Annual fee: Low annual fee
• Purchase rate: Low p.a. purchase rate
• Cash Advance rate: Low cash advance rate
• Balance Transfer rate: Low balance transfer rate
• Interest-free days: Up to 44 days

• Extras:
  • Design your own card
  • Phone/Internet banking
  • 3 additional card holders free

The ANZ First Visa is a great card to get if you are new to the world of credit cards. It’s a straight-forward source of credit without all the bells and whistles of other credit cards, which means a low annual fee.

It includes up to 44 days interest free on purchases*, however you’ve got to make sure you pay the full balance of your statement by the due date or you’ll end up having to pay the interest as well. Balance transfers are low on this card.  This interest rate, in conjunction with it’s other features gives this card the title of #2 in the Editor’s Choice – Balance Transfer category.

An added bonus to using this credit card is that it comes with features such as extended warranty on credit card purchases and 90 day purchase security. These are features that are usually reserved for premium credit cards (e.g. Gold and platinum). Warranties on this card protect you for up to 12 months longer than the purchase’s manufacturer warranty*.

The purchase cover differs from the extended warranty as it covers most purchases of personal items made on your credit card against theft, loss or accidental damage for approximately three months from the purchase date.

The only real downside to this card is that its interest rates are relatively high which can sting you if you don’t pay your monthly bill on time, however as we all know, this can be avoided.

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