{ "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "legal_entity_abn": "11005357522", "public_base_uri": "https://api.anz", "logo_uri": "https://www.anz.com.au/content/dam/anzcomau/logos/anz/ANZ-MB-Logo-3rd-Party-RGB.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-02T13:00:00Z", "at_a_glance": { "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.", "rates": [ {"segment":"personal","kind":"low_rate","rank":37,"of":52,"product_label":"Low Rate","card_type":"credit","purchase_rate_pct":13.74,"annual_fee":58.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":26,"bt_fee_pct":3.0,"bt_revert_rate_pct":23.49,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"balance_transfer","rank":2,"of":22,"product_label":"Low Rate","card_type":"credit","purchase_rate_pct":13.74,"annual_fee":58.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":26,"bt_fee_pct":3.0,"bt_revert_rate_pct":23.49,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"rewards","rank":11,"of":24,"product_label":"Rewards Platinum","card_type":"credit","purchase_rate_pct":22.49,"annual_fee":94.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":6000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":18,"bt_fee_pct":3.0,"bt_revert_rate_pct":23.49,"rewards_program":"ANZ Rewards Points","conditions":"k2","restrictions":["existing_customers"],"record_stale":false}, {"segment":"business","kind":"low_rate","rank":6,"of":13,"product_label":"Business Low Rate","card_type":"credit","purchase_rate_pct":12.99,"annual_fee":100.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":1000.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k3","restrictions":[],"record_stale":false}, {"segment":"business","kind":"rewards","rank":9,"of":9,"product_label":"Business Black","card_type":"credit","purchase_rate_pct":20.24,"annual_fee":300.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":5000.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"ANZ Rewards Points","conditions":"k4","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "0.00% on balance transfers for 26 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "balance transfers from non-ANZ cards only, requested when you apply", "for new cards only", "3.5% overseas transaction fee", "cash advance fee 3.5%, minimum $4, maximum $50", "Australian or New Zealand citizen, permanent resident, or more than 12 months left on a visa", "no annual fee in the first year with the balance transfer offer; $58 after", "26-month promotional period starts when the letter of offer is issued, not when the transfer is processed" ], "k2": [ "0.00% on balance transfers for 18 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "credit limit from $6,000", "the best offer is for existing customers", "rewards programme fee $55 a year on top of the card fee", "You are not eligible for this offer if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months and meet all othe…", "3.5% overseas transaction fee", "cash advance fee 3.5%, minimum $4, maximum $50", "Australian or New Zealand citizen, permanent resident, or more than 12 months left on a visa", "minimum credit limit falls from $6,000 to $1,000 on 15 November 2026", "1.5 points per $1 up to $2,000 a statement period, 0.5 up to $25,000, none above", "$10 additional cardholder fee and $55 Rewards Program Services Fee for each additional cardholder" ], "k3": [ "corrected from the bank's own page: 12.99% on purchases and a $100 annual fee, waived in the first year for a new card", "no card fee in the first year, as the feed's discount states", "credit limit $1,000 to $50,000", "3.0% overseas transaction fee", "cash advance fee 1.5% or $1.50, whichever is greater; none at ANZ ATMs in Australia", "first-year fee waiver not available when transferring from an existing ANZ business card" ], "k4": [ "corrected from the bank's own page: 200,000 extra Business Reward Points for $10,000 spent in 3 months, per the bank's card page; the feed says up to 150,000", "credit limit $5,000 to $50,000", "rewards programme fee $75 a year on top of the card fee", "3.0% overseas transaction fee", "cash advance fee 1.5% or $1.50, whichever is greater; none at ANZ ATMs in Australia", "1.5 points per $1 up to $10,000 a statement period, then 1.0 uncapped", "bonus offer for new cardholders only; not if you held an ANZ Qantas Business Rewards or Business Black card in the last 12 months", "$75 rewards fee charged for each card, including additional cards" ] }, "unranked": { "products": 0 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category", "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "f673c6f6-b10a-282a-7484-32443c848f69", "product_name": "ANZ Business 55 Interest Free Days", "product_label": "Business 55 Interest Free Days", "product_slug": "business-55-interest-free-days", "page": "/au/finance/credit-cards/cards/anz/business-55-interest-free-days/", "product_url": "https://www.anz.com.au/business/products/credit-cards/interest-free/?CID=af:obank:cm", "terms_url": "https://www.anz.com.au/business/help-support/terms-conditions/?section=SBS&CID=af:obank:cm", "fees_url": "https://www.anz.com.au/content/dam/anzcomau/pdf/commercial-cards-anz-business-one-fees-and-charges.pdf", "eligibility_url": "https://www.anz.com.au/business/products/credit-cards/interest-free/?CID=af:obank:cm#eligibility", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "description": "A credit card facility for businesses with up to 55 days interest free on purchases (if you pay your closing balance in full by the due date each month)", "purchase_rate_pct": 17.74, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Rates are subject to change", "cash_advance_rate_pct": 19.24, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 150.0, "fee_period": "annual", "fee_as_stated": 150.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Account Service", "fee_offers": [ "Save $150 with no Annual Card Fee for the first year on a new ANZ Business 55 Interest Free Days credit card." ], "first_year_fee_waived": true, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 1.5, "cash_advance_fee": null, "late_payment_fee": 35.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Unauthorised Transactions Insurance" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 50000.0, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-03-15; check its page, as the rate or fee may have changed", "no card fee in the first year, as the feed's discount states", "credit limit $1,000 to $50,000", "3.0% overseas transaction fee", "cash advance fee 1.5% or $1.50, whichever is greater; none at ANZ ATMs in Australia", "first-year fee waiver not available when transferring from an existing ANZ business card" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": true, "source_url": "https://api.anz/cds-au/v1/banking/products/f673c6f6-b10a-282a-7484-32443c848f69", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/f673c6f6-b10a-282a-7484-32443c848f69.json", "snapshot_at": "2026-10-24T09:57:43Z", "bank_last_updated": "2026-03-15T13:00:00.000Z", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges" }, "from_issuer_page": null }, { "product_id": "9836ae54-5aa3-54cf-e1df-9c7aec8ddb08", "product_name": "ANZ Business Black", "product_label": "Business Black", "product_slug": "business-black", "page": "/au/finance/credit-cards/cards/anz/business-black/", "product_url": "https://www.anz.com.au/business/products/credit-cards/business-black/?CID=af:obank:cm", "terms_url": "https://www.anz.com.au/business/help-support/terms-conditions/?section=SBS&CID=af:obank:cm", "fees_url": "https://www.anz.com.au/content/dam/anzcomau/pdf/commercial-cards-anz-business-one-fees-and-charges.pdf", "eligibility_url": "https://www.anz.com.au/business/products/credit-cards/business-black/?CID=af:obank:cm#eligibility", "card_type": "credit", "scheme": "visa", "tier": "black", "segments": [ "business" ], "segment": "business", "description": "A credit card facility for businesses where you can earn rewards on eligible transactions and receive domestic and international travel insurance", "purchase_rate_pct": 20.24, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Rates are subject to change", "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 300.0, "fee_period": "annual", "fee_as_stated": 300.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Account Service", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 1.5, "cash_advance_fee": null, "late_payment_fee": 35.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "ANZ Rewards Points", "rewards_programs": [ "ANZ Rewards Points" ], "rewards_program_fee": 75.0, "bonus_offer": "Earn 200,000 extra ANZ Business Reward Points when you spend $10,000 on eligible purchases in the first 3 months from approval. New cardholders only.", "cashback_offer": null, "insurances": [ "Unauthorised Transactions Insurance", "Domestic Travel Insurance", "International Travel Insurance" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 5000.0, "max_credit_limit": 50000.0, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: 200,000 extra Business Reward Points for $10,000 spent in 3 months, per the bank's card page; the feed says up to 150,000", "credit limit $5,000 to $50,000", "rewards programme fee $75 a year on top of the card fee", "3.0% overseas transaction fee", "cash advance fee 1.5% or $1.50, whichever is greater; none at ANZ ATMs in Australia", "1.5 points per $1 up to $10,000 a statement period, then 1.0 uncapped", "bonus offer for new cardholders only; not if you held an ANZ Qantas Business Rewards or Business Black card in the last 12 months", "$75 rewards fee charged for each card, including additional cards" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "business", "kind": "rewards", "rank": 9, "of": 9, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.anz/cds-au/v1/banking/products/9836ae54-5aa3-54cf-e1df-9c7aec8ddb08", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/9836ae54-5aa3-54cf-e1df-9c7aec8ddb08.json", "snapshot_at": "2026-10-24T09:57:43Z", "bank_last_updated": "2026-10-04T23:00:00.000Z", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges" }, "correction": { "checked": "2026-11-01", "note": "200,000 extra Business Reward Points for $10,000 spent in 3 months, per the bank's card page; the feed says up to 150,000", "fields": [ "bonus_offer" ], "quotes": { "bonus": { "text": "Earn 200,000 extra ANZ Business Reward Points when you spend $10,000 on eligible purchases in the first 3 months from approval.", "url": "https://www.anz.com.au/business/products/credit-cards/business-black/?CID=af:obank:cm", "citation": { "quote": "Earn 200,000 extra ANZ Business Reward Points when you spend $10,000 on eligible purchases in the first 3 months from approval.", "url": "https://www.anz.com.au/business/products/credit-cards/business-black/?CID=af:obank:cm#:~:text=Earn%20200%2C000%20extra%20ANZ%20Business,first%203%20months%20from%20approval.", "document_sha256": "cd1f7ef91b81413c1118629f71d2ea582915601a08ed16a7d8e441ffbdb489e7", "confirmed": "2026-11-12" } } }, "verified": { "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.anz.com.au/business/products/credit-cards/business-black/?CID=af:obank:cm#:~:text=Earn%20200%2C000%20extra%20ANZ%20Business,first%203%20months%20from%20approval.", "quote": "Earn 200,000 extra ANZ Business Reward Points when you spend $10,000 on eligible purchases in the first 3 months from approval." } ] }, { "product_id": "ca69da6f-d4e9-ba91-1aba-41fa429f031e", "product_name": "ANZ Business Low Rate", "product_label": "Business Low Rate", "product_slug": "business-low-rate", "page": "/au/finance/credit-cards/cards/anz/business-low-rate/", "product_url": "https://www.anz.com.au/business/credit-cards/low-rate/", "terms_url": "https://www.anz.com.au/business/help-support/terms-conditions/?section=SBS&CID=af:obank:cm", "fees_url": "https://www.anz.com.au/content/dam/anzcomau/pdf/commercial-cards-anz-business-one-fees-and-charges.pdf", "eligibility_url": "https://www.anz.com.au/business/products/credit-cards/low-rate/?CID=af:obank:cm#eligibility", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "description": "A credit card facility for businesses with a low interest ongoing interest rate", "purchase_rate_pct": 12.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Rates are subject to change", "cash_advance_rate_pct": 14.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 100.0, "fee_period": "annual", "fee_as_stated": 100.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Account Service", "fee_offers": [ "Save $100 with no Annual Card Fee for the first year on a new ANZ Business Low Rate credit card." ], "first_year_fee_waived": true, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 1.5, "cash_advance_fee": null, "late_payment_fee": 35.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Unauthorised Transactions Insurance" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 50000.0, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: 12.99% on purchases and a $100 annual fee, waived in the first year for a new card", "no card fee in the first year, as the feed's discount states", "credit limit $1,000 to $50,000", "3.0% overseas transaction fee", "cash advance fee 1.5% or $1.50, whichever is greater; none at ANZ ATMs in Australia", "first-year fee waiver not available when transferring from an existing ANZ business card" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "business", "kind": "low_rate", "rank": 6, "of": 13, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.anz/cds-au/v1/banking/products/ca69da6f-d4e9-ba91-1aba-41fa429f031e", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/ca69da6f-d4e9-ba91-1aba-41fa429f031e.json", "snapshot_at": "2026-10-24T09:57:43Z", "bank_last_updated": "2026-03-15T13:00:00.000Z", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges" }, "correction": { "checked": "2026-10-30", "note": "12.99% on purchases and a $100 annual fee, waived in the first year for a new card", "fields": [ "product_url" ], "quotes": { "annual_fee": { "text": "New Card. T&Cs, eligibility criteria, fees and charges apply (including a $100 Annual Fee after the first year).", "url": "https://www.anz.com.au/business/credit-cards/low-rate/", "citation": { "quote": "New Card. T&Cs, eligibility criteria, fees and charges apply (including a $100 Annual Fee after the first year).", "url": "https://www.anz.com.au/business/credit-cards/low-rate/#:~:text=New%20Card.%20T%26Cs%2C%20eligibility%20criteria%2C,Fee%20after%20the%20first%20year%29.", "document_sha256": "2dfa21fee8bd4cc32a94db2d7d98a72757fbf4f28d7c7801278cf58b94325624", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found" } }, "from_issuer_page": [ { "source": "confirmation", "fields": [ "annual_fee" ], "confirmed": "2026-11-12", "url": "https://www.anz.com.au/business/credit-cards/low-rate/#:~:text=New%20Card.%20T%26Cs%2C%20eligibility%20criteria%2C,Fee%20after%20the%20first%20year%29.", "quote": "New Card. T&Cs, eligibility criteria, fees and charges apply (including a $100 Annual Fee after the first year)." } ] }, { "product_id": "1f9a67ea-8fda-cab0-e9d3-7ab9d0627545", "product_name": "ANZ First", "product_label": "First", "product_slug": "first", "page": "/au/finance/credit-cards/cards/anz/first/", "product_url": "https://www.anz.com.au/personal/credit-cards/low-annual-fee/first?CID=af:obank:tv", "terms_url": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:tv", "fees_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf", "eligibility_url": "https://www.anz.com.au/personal/credit-cards/low-annual-fee/first/?CID=af:obank:tv#eligibility", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "A simple everyday credit card with a low ongoing annual fee", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Rates are subject to change", "cash_advance_rate_pct": 23.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 30.0, "fee_period": "annual", "fee_as_stated": 30.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Account Service", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 18, "fee_pct": 3.0, "revert_rate_pct": 23.49, "revert_to": "balance_transfer", "for_new_cards": null, "for_existing_customers": true, "ongoing_rate_pct": 23.49, "offers": [ { "rate_pct": 0.0, "months": 18, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": true, "text": "Balance Transfer rate for an 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