If you’re looking for a credit card tailored to New Zealanders, ANZ offers competitive options. Their Low Rate Visa has no annual card fee, and boasts one of the lowest interest rates for purchases in NZ. Flexible limits and options like the Airpoints or CashBack Visa cards suit a range of budgets, helping you maximise everyday spending or rewards. Terms, eligibility, and lending criteria apply, so it pays to check what fits you best.

Step-by-Step Application Guide

Getting started is simple. First, review the features and pick the ANZ card that fits your needs. Next, prepare your personal and financial details for the application. Then, submit your application online, in-app, or at any ANZ branch. ANZ will review your information and complete standard credit checks. If approved, you’ll receive your card and can activate it straight away.

Advantages: Pros of ANZ Credit Cards

One big advantage is the competitive rates and absence of an annual fee on their Low Rate Visa. This leads to potential interest savings, especially for those who carry a balance. Flexible options like Airpoints or CashBack rewards make these cards attractive for earning while you spend.

Disadvantages: A Few Cons

ANZ’s best rates and features may be limited to those who meet strict lending criteria. Some rewards cards also carry higher interest rates or may require a higher minimum income, which might not suit everyone.

Verdict: Should You Apply?

For Kiwis wanting value, flexibility, and trusted banking, ANZ’s credit card range is a solid choice. The blend of low fees, competitive rates, and strong rewards cater to diverse needs, making them worth considering.