ANZ

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Credit Cards & Visa Debit

Balance Transfers

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More great ideas from Simon - Rewards for reducing your balance with ANZ Balance Visa. 2.9% p.a. on balance transfers for the first 12 months. Terms and conditions available on application. Fees and charges apply. Apply online now.

You could save on interest payments with a balance transfer

What's a credit card balance?

It's the amount you owe on your credit card. If you have more than one credit card or store card, making repayments can be complicated. By transferring your non-ANZ credit or store card balances to an ANZ credit card, you can make managing your repayments much easier.

Take advantage of an ANZ balance transfer offer today and you too could save money on interest payments. Review our latest offer now or see how much you could save with the ANZ Balance Transfer Calculator.

How to make a balance transfer

If you're applying for a new ANZ credit card, simply fill out the balance transfer section on the application form. Or if you already have an ANZ credit card, you can easily request a balance transfer on ANZ Internet Banking. It's important to use these processes to ensure your balance transfer is completed correctly. Different interest rates can apply to balance transfers, depending on the offer that you select.

Got a question about balance transfers?

Our Balance Transfer FAQs answer all the most often asked questions, but if you need to know more call us on 13 22 73. We'll be happy to help. Read our frequently asked questions about balance transfers.

See how much you could save

The ANZ Balance Transfer Calculator helps you calculate the difference in interest charges between your old non-ANZ card and the ANZ credit card you wish to transfer your balance to. Find out more about the ANZ Balance Transfer Calculator.

What's my balance transfer interest rate?

Regular balance transfer interest rates differ for each ANZ credit card. If you are using an ANZ special offer with your transfer, it will come with a special rate if you transfer during the offer period.

To find your ANZ credit card's regular transfer interest rate, simply click on your card below. (For special offers, see above.)

Balance transfer terms & conditions

ANZ accepts balance transfers of $100 or more from banks, other financial institutions and store cards.

ANZ cannot accept a balance transfer:

  • from other ANZ credit card accounts;
  • from credit cards issued outside Australia;
  • if the balance on your ANZ card has reached or exceeded 95% of the available credit limit balance;
  • if you are in default on any existing ANZ credit card account;
  • if the other account named in your application is in default at the time the application is received.

If the balance transfer you request will cause you to exceed the limit on your ANZ account, ANZ will process up to 95% of the limit on your ANZ credit card.

Your balance transfer request will only be processed once you have activated your card. Interest applies to the amount of the balance transfer from the date the balance transfer request is approved and processed.

Payments to your ANZ credit card will be applied to the balance transfer amounts as detailed in the 'Application of payments' Section in your 'ANZ Credit Card Conditions of Use'.

You (or the account owner) must continue to make payments to the nominated account(s) while the balance transfer application is being processed and toward any remaining balance once the transfer is complete. (Payments to your nominated account will usually be completed within three working days from the time we receive your request, and your card has been activated.)

Where you are not the owner of the nominated account(s), you must ensure that the owner(s) consent to the request.

Please note that no Qantas Frequent Flyer points, ANZ Rewards Visa Reward Points or Sphere points are earned on amounts transferred.

ANZ Balance Visa

A fee applies for balance transfers not requested at time of application.