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How to get a credit card from us
So, you’ve done all your credit card research – at least we hope you have – and you’ve decided to get a credit card from us. Below we explain how to apply for an ANZ credit card and what information you’ll need to complete your application.
The pros and cons of getting a credit card
Credit cards can help you manage your cash flow while providing you with added perks such as reward or frequent flyer points, complimentary insurances and more. What’s more, they can help you build a credit score over time if used responsibly.
But here’s the thing, they can also lead to financial trouble if you don’t keep on top of your repayments. So, before you apply for a credit card, we recommend that you visit our Credit Card Education hub and familiarise yourself with how credit cards work. There, you’ll find a treasure trove of useful articles, including how to choose a credit card that’s right for you.
How to find and compare ANZ credit cards
Our credit card homepage is always a good place to start, but to make choosing easier for you, we’ve also built two handy tools.
Our credit card finder tool asks three simple questions to help you decide which card might be a good fit for you. Additionally our compare cards tool gives you side-by-side comparisons to help you weigh up the pros and cons of each card.
Neither tool locks you into anything, so have a play and see how you go.
Who can apply?
When you apply for an ANZ credit card, you’ll need to meet the following eligibility criteria:
- be 18 years of age or over
- be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa
- have a good credit rating (particularly if you’re applying for a more premium card that comes with a higher credit limit)
Not sure if you’re eligible? You can always call our credit card specialists on 13 22 23.
Details to have handy
Whether you’re applying online, in-branch or over the phone, you’ll need to have the following details handy:
- Australian driver’s licence number (if you have one)
- Details of your income, living expenses (such as regular bills), assets and liabilities
- Two recent pay slips for income verification
- If you’re self-employed, you’ll need your accountant’s phone number
- ANZ account number or Customer Registration Number (if you have one)
- Your email address
For more information, please check out our Credit Card Application Document Guide (PDF).
How we assess your credit card application
When applying for a credit card, we will undertake an assessment to ensure that you’re not given a product that isn’t suitable for you. This includes looking at information relevant to your application, such as your credit history, income, employment, assets and living expenses.
Check out our financial wellbeing article on credit scores and why they matter and then read our Credit Card Education article on how credit cards can affect your credit score.
Key differences between a Visa Debit and credit card
Before applying for a credit card, it’s perhaps worth asking yourself what are your options? These days, some debit cards, such as Visa Debit cards, allow you to pay for purchases using your own money through the Visa network, which means they can be used for online shopping as well as in-store.
With a Visa Debit card, you’re spending your money that is already sitting in your bank account, such as a savings account.
Whereas with a credit card, you’re effectively borrowing money. You’ll still be required to pay that money back, and possibly interest and late payment fees if you don’t make your repayments before your interest-free period ends.
What happens after you apply for a credit card online?
- You should receive a response in 60 seconds, with an online application reference number
- If we need more information from you regarding your application, ANZ will contact you within the next two business days
- You may need to complete an ID check so we can verify your identity before we can send your card and welcome kit to you. You can do this online or in branch with two forms of ID (one of which must be a government issued photographic ID) such as your Australian driver licence, Medicare card or Australian passport. If you’re eligible to verify your ID online, you’ll also need the reference number we SMS you.
- Once we’ve verified your identity, we’ll send out your card and welcome kit by mail, which you should receive within 2-7 business days.
- You’ll need to activate your card before you use it.
- Set your card PIN in the ANZ App. Log in, then tap More to get started.
- You should then find out more about managing your card.
Decisions? Decisions? Need help choosing a credit card?
Explore our range and compare features, trade-offs and fees to help you choose the card that suits you best.
Related articles
How to choose a credit card that’s right for you
Choosing a credit card should never be done on a whim. Make sure you compare fees and charges, interest rates and benefits so that your decision is an informed one.
How do credit cards affect credit scores?
A credit card can affect your credit score both positively and negatively over time, so it’s important to learn how to use them responsibly.
What is the credit card minimum repayment?
The Minimum Monthly Payment shown on your credit card statement is the minimum amount you’re required to pay each month. But if you only pay the minimum, it’ll end up costing you more in the long run.