FEATURES SUMMARY

Never had a credit card? Or you do have one, but you tend to go a little crazy when it comes to spending? Or just looking for a cheap as chips interest and balance transfer rate?

If you answered yes to any of those questions, the ANZ Low Rate Visa is a great option for you. An interest rate of 12.49% p.a.* means bills can be kept under control pretty easily. Just make sure you resist the urge to get cash out too often from this card as the interest rate on cash advances is significantly higher, at 20.74% p.a.*

Moving a balance from an existing credit card to the ANZ Low Rate Visa is a stress-free process that’s easy on your wallet. It has an extremely low introductory interest rate of 2.99% p.a.* on balance transfers, which unlike other cards is still low after the 6 month introductory offer expires (12.49% p.a.*).

So even though its annual fee of $58 sits in the middle of the range, it makes up for it with up to 55 days interest free* and its low interest rates on purchases and balance transfers (which translate to some big savings on your monthly bills). As a result this credit card comes highly recommended by The Credit Card Guide, and is third overall in the Editor’s Choice category, as well as 3rd in the Interest Free category.

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FEATURES SUMMARY

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. At just $87 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 (18.24% p.a.*), 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.

At just 2.99% p.a. for the first 6 months*, 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.

Not a major, but if the balance transfer is one of your motives for getting this card then forgetting to do this will mean you’ll be paying 18.24% p.a.* instead of 2.99% p.a. for the first 6 months.

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.

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FEATURES SUMMARY

Looking for a credit card with a rewards program that caters for the whole family? Well you’ve come to the right place.

When you make purchases using your Rewards Visa you’ll earn one point for every $1.50 you spend (up to $50,000). Points can be redeemed for holiday perks (through a number of airlines), cash back, electronics, adventure activities, movie tickets, vouchers, and even kitchen appliances.

Just remember that unfortunately, any rewards points earned on this card expire after 36 months (3 years) so you need to make sure you redeem your points before this happens!

While the interest rate on purchases is quite high at 17.99% p.a., the annual fee is still relatively low ($48) compared to other rewards cards. No doubt these costs are applied to the ANZ Rewards Visa in order to account for the huge range of rewards on offer.

With an introductory offer of 2.99% p.a., the balance transfer rate for the ANZ Balance Visa is very affordable. So if you are looking for a good balance transfer rate then this card is one of a number of good options and comes highly recommended.

While it is similar to the ANZ Frequent Flyers credit card there is much more to choose from with the ANZ Rewards Visa, and with so much flexibility you sure to find a reward that tickles your fancy.

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FEATURES SUMMARY

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.

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FEATURES SUMMARY

The ANZ Frequent Flyer Platinum credit card is the top dog of the ANZ Frequent Flyer cards, so as well as being the #1 credit card in the Frequent Flyer category, it also takes out the #2 spot in the platinum credit card category.

Being the next step up from the Gold Frequent Flyer card, it has a number of benefits that are exclusive to Platinum credit card holders and are very beneficial for a regular traveler.

The core features of this airline rewards credit card remain the same as the other frequent flyer cards offered by ANZ (interest, balance transfer, interest free period). However the inclusion of travel insurance benefits makes this card much more valuable than the rest.

With this card you will receive extended warranty on purchases*, 90-day purchase security on lost/stolen/broken products*, not to mention overseas medical insurance*. Safety measures such as these can often be expensive and a major hassle to organize, so if you do fly regularly then the inclusion of these features is very convenient.

Using your Platinum American Express credit card will earn you 1.5 points for every dollar spent (up to $2500 a month), and like the lower level frequent flyer cards, 1 point for every $2 spent on the Frequent Flyer Platinum Visa. ANZ Frequent Flyer Platinum cardholders also benefit from the concierge booking service*, which adds another level of convenience to your international travels.

The annual fee for this card burns a hole in your pocket at $295 a year, so if it is mainly frequent flyer points you’re looking for then we recommend the ANZ Frequent Flyer Gold credit card as this offers the same rewards benefits with a much cheaper annual fee. Otherwise, the ANZ Frequent Flyer credit card comes very highly recommended.

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FEATURES SUMMARY

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 – $195 as opposed to $95 on the standard frequent flyer card. 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.

So in order to take advantage of this card’s benefits, you would have to join the program yourself and pay the $82.50 program fee on top of your card’s annual fee. This would bring your fee for the first year to a grand total of $277.50. 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.

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FEATURES SUMMARY

There are two features of the ANZ Balance Visa which make it an affordable and worthwhile card – the rewards program and the low interest rate.

Purchases made on your ANZ Balance Visa will incur an interest rate of just 13.49% p.a.*, and when it comes time to make your repayment, you’ll be rewarded with one rewards point for every dollar you repay. This includes both fees and interest paid on your account. It receives the title of #3 in the Editor’s Choice – Balance Transfer category with just 2.99% p.a. for the first 6 months on all balances transferred.

Points can be redeemed for a number of rewards, such as gift vouchers, shopping vouchers and even cash back. All rewards are available in values of $100, $50 and $20, with cash back rewards credited straight back into your account and the total reward amount being deducted from your credit card’s balance.

There is, however, one downside to this rewards system which is that you need to spend quite a significant amount of money in order to be able to redeem your points. For example, the lowest redemption amount is 4,000 points (which gets you a $20 voucher) and the highest being 22,000 points, which gets you a $100 Caltex voucher. This can be counteracted by the fact that points earned on repayments includes purchases, fees, interest, cash advances and repayments on balances transferred*.

When divided weekly this just over $420 a week, but this would have to be a regular expenditure which, if you are not careful, could result in some huge bills. So spending $22,000 just to get a $100 voucher? Not really the greatest rewards deal out there, but is more realistic with the points earn rate that’s on offer.

With an annual fee of $79 you are paying a bit more than most low interest credit cards but if you are looking for an affordable monthly interest rate with rewards then it is relatively cheap.

Especially seeing as these two features work in tandem as the main draw cards of the Balance Visa; rewards points for repayments act as an incentive to pay back the lower interest on your credit card bill, faster.

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FEATURES SUMMARY

ANZ and Qantas have teamed up to reward the loyalty of their customers by providing the ANZ Frequent Flyer credit card.

This credit card boosts the amount of Frequent Flyer points earned by ANZ customers, especially when booking flights with the Frequent Flyer card through Qantas.

The ANZ Frequent Flyer credit card is very similar to the ANZ Rewards Visa, with the interest rates for purchases, cash and balance transfers all being the same. However, the Frequent Flyer’s rewards program is focused solely on air points and travel bonuses for all those regular air-travelers out there.

One downside that you will find is that while it has a rewards program based on travel, there are no insurance benefits to go with it. Also, you are not automatically signed up to the Qantas Frequent Flyer program, which incurs a separate joining fee of $82.50.

Frequent Flyer points are earned by making purchases on your ANZ Frequent Flyer credit card. So for your first $1500 you spend you’ll earn 1500 Qantas Frequent Flyer points. After that you’ll earn one point for every two dollar spent on your card*. These points are capped at 5,000 per month.

Another way to maximize your points is to make use of both the cards you receive under the Frequent Flyer program (American Express and Visa). Use the Frequent Flyer American express card where accepted and you’ll earn 1 point for every $1 spent, and when you use your Frequent Flyer Visa you’ll earn one point for every $2 spent.

While the benefits are there, it is important to use the card wisely and monitor your balance, as the interest rates are relatively high and there is just the one credit limit for both of the cards so there is potential to max it out if you’re not careful.

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FEATURES SUMMARY

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 of just $30 (which is waived for the first year).

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 great on this card at just 2.99% for the first 6 months. After this time it will increase to the purchase rate of 18.24%. 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.

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FEATURES SUMMARY

The ANZ Everyday Visa Debit is The Credit Card Guide’s top pick for debit cards available to Australians.

Unlike some banks, ANZ allows you to combine your Visa debit card with any other ANZ product. So whether you’ve got a seniors account, a savings account or an investment account you’ll still have access to the freedom of a credit a card, without the debt.

The only real downfall of the ANZ Everyday Visa debit card is its monthly fee of $6. This fee covers your transactions via ANZ branches (teller-assisted), ANZ ATM’s and who could forget, internet and phone banking. While this isn’t really that expensive, when you compare it to other banks debit card fees it might seem like it (just a tad).

However, if you are a full time student you’ll get a 50% discount on the monthly fee*, bringing it down to just $3 per month. ANZ offers the Everyday Visa debit card in conjunction with the ANZ Access Advantage account to all full-time students enrolled at an Australian education institution that are 18 or over.

Just keep in mind that the ANZ Every Day debit card is literally an everyday transaction card where you are using your own money. And as Visa credit purchases can sometimes take a few days to be updated on your account, it’d be wise to try and keep track of your balance as you go – that way you won’t be stung with any unnecessary fees that are common with debit cards.

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