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 transfer rate
• Interest-free days: Up to 55 days

• Extras:
  • Phone internet banking
  • Up to 9 additional cardholders
  • Visa Entertainment benefits
  • Worldwide emergency card replacement

The ANZ Gold Credit Card offers much the same benefits as the ANZ Frequent Flyer Platinum credit card without the huge price tag, enabling it to come in second in the Editor’s Choice – Gold credit cards category. With a low annual fee a year it is even cheaper than the standard ANZ Frequent Flyer card.

While it is not the cheapest credit card on offer from ANZ in terms of its interest rate  it has a number of features that make it stand out from the rest, and also give it the title of #1 Editor’s Choice in the Gold Credit Cards Category. One  example of why it is the leader in this category is a great introductory offer on balance transfers.

With a low balance transfer rate, a small balance transfer could be paid off at a much cheaper rate than what you would normally be paying for that balance on a different credit card. The only catch is that you have to apply for your transfer at the same time as you apply for the Gold credit card.

The ANZ Gold card also includes the following travel insurance benefits:

- 90-day purchase security (after the expiry of the product warranty)*
- Overseas medical and travel insurance*
- Commission free travelers cheques*

This card sits on the middle of the scale in terms of price, but makes up for any price-related concerns you may have by having very reasonable rates for pretty much all of its features, rather than just focusing on one, like a lot of other credit cards tend to do.

See 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 p.a. cash advance rate
• Balance Transfer rate: Low p.a. balance transfer rate
• Interest-free days: Up to 55 days
  • Extras:

• Phone/Internet banking
• Purchase Security Insurance
• Commission-free travellers cheques
• Worldwide emergency credit card replacement
• American Express/Visa Entertainment benefits

Like the standard ANZ Frequent Flyer card, the ANZ Frequent Flyer Gold credit card gives you two choices of cards to use when making purchases, and therefore more opportunities to build up your Qantas frequent flyer points.

The majority of the features of this card are the same as the standard ANZ Frequent Flyer credit card, such as the interest rate and interest free days. But according to the ANZ website you ‘go further with the Frequent Flyer Gold’ card.

What exactly does this mean?

Well it starts with paying a bit more in your annual fee. After reading the fine print, it was found that the fee for joining the Qantas Frequent Flyer program is not actually included in the card’s annual fee. The good news is that this Qantas fee is a once off payment rather than an annual fee.

Another shortcoming of this travel credit is the difference in points-earning potential between the standard and gold frequent flyer credit cards is marginal. The gold credit card offers just 1.25 points for every dollar spent on the American Express card, and is the same as the standard card’s points rate on the Visa ($2 = 1 point)*.

These points are capped at 10,000 points per month which is 5,000 more than the standard card, so it is quite obvious that this card is aimed at those who will be spending quite a bit more than those with the standard card and will of course be able to reap the benefits.

This credit card takes out the #2 spot in the Frequent Flyer credit cards category, so if you’re already a member of the Qantas Frequent Flyers program or plan on doing a fair bit of travelling over the next few years, then this card will be highly beneficial for you. Otherwise, it would be wise to cover all your bases to make sure you’re getting the best airline rewards credit card on offer.

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 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