ANZ Credit Cards

ANZ is a provider of credit cards, home loans, personal loans, bank accounts, term deposits, health insurance, home insurance and car insurance.

“Your world, your way” (ANZ)

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If you’re considering a ANZ credit card, check out what’s available; compare credit cards with Canstar.

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Types of ANZ Australia credit cards

ANZ has five different credit cards available for you to choose from:

  1. ANZ Low Rate Visa
  2. ANZ CashBack Visa
  3. ANZ CashBack Visa Platinum
  4. ANZ Airpoints Visa
  5. ANZ Airpoints Visa Platinum

ANZ Low Rate Visa

The Low Rate Visa is ANZ’s standard card, with a low interest rate on purchases making it perfect for everyday use.

Features

  • Interest rate on purchases: 13.90% p.a.
  • Interest-free days: Up to 55 days interest-free
  • Balance transfers: 1.99% p.a. for the first 12 months
  • Annual fee: $35
  • Online: 24/7 online banking
  • Contactless: Full contactless payments support with Visa payWave for purchases under $80
  • Security: Secure online shopping via Verified by Visa, and fraud monitoring for suspicious activity

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ANZ CashBack Visa

The CashBack Visa card offers you cash back on larger purchases, making it a good option for buying expensive or bulk items.

Features

  • Interest rate on purchases: 20.95% p.a.
  • Interest rate on cash advances: 22.95% p.a.
  • Annual fee: $60
  • Cash back: 0.5% on purchases between $5,000 and $9,999; 1% back on purchases between $10,000 and $30,000
  • Interest-free days: Up to 55 days interest-free
  • Contactless: Contactless payments enabled via Visa payWave for purchases under $80
  • Online: 24/7 online banking
  • Security: Secure online shopping via Verified by Visa, and fraud monitoring for suspicious activity

ANZ CashBack Visa Platinum

An upgraded version of the ANZ CashBack Visa, with improved features such as:

  • Overseas travel insurance when you use your card to pre-pay for at least half of your trip expenses
  • Unlimited CashBack rewards
  • Platinum Visa services including 0% commission on foreign currency purchases and Visa Concierge services
  • Contactless: Tap & Pay with Visa payWave for purchases under $80; Apple Pay & ANZ goMoney Wallet also supported
  • Annual fee: $125

ANZ Airpoints Visa

The Airpoints Visa allows you to earn Airpoints Dollars when you spend money. Points are redeemable for Air New Zealand or Star Alliance flights, as well as for items at the Airpoints Store.

  • Interest rate on purchases: 20.95% p.a.
  • Interest rate on cash advances: 22.95% p.a.
  • Annual fee: $65
  • Airpoints: Earn 1 Airpoints Dollar for every $120 spent, with no limits
  • Contactless: Tap & Pay with Visa payWave for purchases under $80; Apple Pay & ANZ goMoney Wallet also supported

ANZ Airpoints Visa Platinum

An upgraded version of the Airpoints Visa with improved features:

  • Airpoints: Earn 1 Airpoints Dollar for every $75 spent, and 1 Status Point for every $250 spent; Two Air New Zealand Lounge eVouchers for every $20,000 spent
  • Annual fee: $150
  • Platinum Visa services: Visa Concierge service, 0% commission on foreign currency purchases

Eligibility to apply for ANZ credit cards

To apply for any of ANZ’s credit cards, you must be able to satisfy the following criteria:

  • You must be a New Zealand resident
  • You must be over 18 years of age
  • You must not have declared bankruptcy or insolvency in the last five years

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How to apply for a ANZ credit card

How to apply for a ANZ credit card If you satisfy all of the above criteria, you can apply online for a credit card using the ANZ website, call ANZ on 0800 269 277, or visit a branch to apply in person. ANZ says approved card applicants generally receive conformation of approval within 24 hours, and the new card should arrive within 5-7 work days.

You will need the usual documentation to apply for a credit card, including:

  1. Your employment details
  2. Your annual income
  3. Your usual living expenses
  4. Details about assets you own such as a home, car, other belongings or savings
  5. Any debts you currently owe on other credit cards, loans or overdrafts

If you don’t currently have an ANZ bank account, you’ll also need to provide:

  • Valid identification
  • Mail that has been addressed to your residential address in the past three months

Read our checklist on applying for a credit card for a more detailed explanation of how the process works.

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ANZ Credit Card FAQs

You’ll need to activate the card before you can start using it. You can activate your card by calling the number listed above, or you can do so online; log in to either online banking or the ANZ goMoney mobile app, and follow the prompts.

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You can manage your ANZ credit card through online banking (ANZ Internet Banking > Your Settings > Manage Cards) or by using the ANZ goMoney mobile app (ANZ goMoney > Services > Manage Cards).

By using ANZ’s online banking service, you can make and receive payments, access statements and transaction details, and view all of your accounts to see how much you owe.

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When interest is charged

Interest is charged on purchases when you carry a balance on your ANZ credit card, and is charged on cash advances from the date of withdrawal. Interest is calculated daily on your outstanding balance, and charged to you monthly on your regular statement.

When interest is not charged

Depending on which card you go for, up to 55 interest-free days apply to ANZ credit card purchases, as long as you have paid the balance in full for the previous month’s statement and for the current month’s statement. For more information about interest-free days, check out our article on how they work.

Your credit limit for an ANZ credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. Find out more about how credit limits are determined here.

If you wish to change the credit limit on your card, you can submit a request at any time by sending a Bank Mail request via internet banking, by calling ANZ on 0800 658 044 or by visiting a branch with a valid form of photo ID.

You can close your ANZ credit card account at any time by sending a written request to your ANZ branch. Your card balance will need to be repaid in full even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid. If you’re cancelling your credit card with ANZ because you’re struggling financially, contact its financial hardship team to find a potential solution.

If you’re cancelling your credit card because you aren’t happy with it, then consider checking out what else is on the market by clicking the button below to compare credit cards using the Canstar website:

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Australia and New Zealand (ANZ) Bank is one of the largest financial institutions in New Zealand, and a major part of the nation’s economy. Nearly half of all Kiwis use services provided by ANZ brands, and nearly 20% of all employees in the finance sector work for ANZ – around 9,000 people. The company finances roughly a third of all homes in New Zealand, and accounts for roughly 1% of the nation’s economy just by itself.

ANZ’s size also means a large degree of corporate responsibility and activity in local communities. The company’s volunteering program saw over 16,000 hours of employee volunteering in 2016-17, and the company commits sponsorship funding to several major organisations, including NZ Cricket, Premiership Netball, the NZ Olympic Committee and the Cancer Society’s Daffodil Day.

ANZ also has comprehensive sustainability policies to reduce its carbon and environmental footprint, in both its everyday operations and supply chain. The bank reduced its Australian carbon emissions by 17% in 2016, and provided more than $2.5 billion in finance to sustainable energy production.

https://youtu.be/A3H11EFS5XQ

Source: ANZ New Zealand

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ANZ Airpoints Visa

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Written by: Sam Bloom | Last updated: April 16, 2018

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