Credit Cards & Visa Debit
Credit Card FAQs
Credit Cards- Q.
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Rewards - FAQ's- ANZ Frequent Flyer Visa
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ANZ Balance Visa- Q.
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ANZ Rewards Visa- Q.
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Verified by Visa - FAQ's- Q.
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Credit Cards
Q. Can I make a bill payment with my credit card?
A. Bill payments from your credit card can be processed as either a purchase or a cash advance. This is dependent upon how the biller is set up with the BPAY® billing service. The biller has the option of accepting a credit card as a method of payment. If the biller chooses to accept, the bill payment is processed as a purchase. If the biller does not accept credit card payments, ANZ may allow you to make the payment from your credit card (when sufficient funds are available). If you choose to proceed with the payment, it will be processed as a cash advance. Relevant fees and interest will apply from the date of the cash advance.
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Q. How does the interest free period work?
A. For example, if your card has a 44-day interest free period, the interest free day period consists of your 30-day statement cycle, then 14 days to the due date. If your previous statement balance (excluding any repayments on Promotional Plans not yet due) was paid in full by the due date and you make a purchase made on the first day of your next cycle, it will attract 44 interest free days if the closing balance of the next statement is paid in full.
Q. What is a late payment fee?
A. A late payment fee is charged when the minimum payment has not been received prior to the due date.
Q. What is an outstanding authorisation?
A. An outstanding authorisation is when the estimated value of a purchase (eg Hotel stay) has been held for a period of up to an estimated six days to allow the merchant to process the transaction. It can also be used as a security measure for transactions such as Hotel Stay or Car Rental. In this case, after the six days the amount drops off the system. This would reduce the cardholder's available credit, but not the balance owing on the card.
Q. My card expires this month how do I get a new card?
A. Credit cards expire at the end of the month and are re-issued prior to the 25th day of the month of expiry.
Q. Can I credit my own funds into the credit card and still accrue points on purchases?
A. Yes, you still accrue points on any eligible purchase.
Q. How can I manage my credit card responsibly and save money?
A. See our tips to help you Manage Your Credit Card Responsibly and Save Money.
Q. What is an ANZ designmycard?
A. An ANZ designmycard is a fun way to personalise your ANZ First, ANZ Low Rate MasterCard® and ANZ Balance Visa card with an image that you choose (subject to image guidelines and terms and conditions). You can upload your favourite photo, design or choose from our image library.
If you are a new ANZ applicant of an eligible card your first accepted image is free. If you are an existing ANZ credit cardholder and hold an eligible card, you can design your card for just $15.
For terms and Conditions and to apply for ANZ design my card, visit www.designmycard.com.au to design your card and apply.
Rewards - FAQ's
ANZ Frequent Flyer Visa
Q. What happens if I have a query about my current number of Qantas Frequent Flyer points* earned on my ANZ Frequent Flyer Visa?
A. Simply call ANZ on 13 22 73 for help with all your ANZ Frequent Flyer Visa transaction and points enquiries.
Q. When will my Qantas Frequent Flyer points earned on my card appear on my Qantas Frequent Flyer account?
A. Your Qantas Frequent Flyer points are credited to your Qantas Frequent Flyer account within 48 hours of the date that your ANZ Credit card statement is sent to you each month.
ANZ Balance Visa
Q. Do I only earn Reward Points when I pay back my entire balance?
A. No. You earn Reward Points for every $1 you repay to the balance on your ANZ Balance Visa, every time you make a repayment
Q. How do I view the rewards and check my Reward Points balance?
A. Just visit www.anzbalancevisa.com or call the ANZ Rewards Centre on
Q. What is an Auto-Redemption?
A. With ANZ Balance Visa, you can pre-select the way you would like to redeem your Reward Points. We will then arrange for you to receive your chosen reward when you have accumulated enough Reward Points to receive it. You can also choose to receive your reward every 3, 6 or 12 months or on a particular date every year, provided you have sufficient Reward Points for your chosen reward
Q. How do I set up an Auto-Redemption?
A. You can set up an Auto-Redemption online by visiting the ANZ Balance Visa rewards website at www.anzbalancevisa.com. Alternatively, you may call the ANZ Rewards Centre on
Q. I have forgotten my password to the ANZ Balance Visa rewards website. What do I do?
A. Simply visit the ANZ Balance Visa rewards website at www.anzbalancevisa.com and under the login section, select "Forgotten Password". Once your details are verified, a new password will be sent to you via email. Alternatively, you may call the ANZ Rewards Centre on
Q. Is there a fee for balance transfers?
A. There is no fee for balance transfers requested at the time of your credit card application. However, a fee of 1% of the balance transfer amount applies to any balance transfers made after your initial credit card application
Q. What is the Cash Advance Fee on ANZ Balance Visa?
A. The Cash Advance Fee is 2% of the cash advance amount. Please note that unlike other ANZ Credit Cards, this fee is charged even if the account has a credit (positive) balance at the time.
ANZ Rewards Visa
Q. How can I check who the current Bonus Partners are?
A. A Rewards Guide is distributed with your Reward Points statement.
Current Bonus Partners are also available online on the ANZ Rewards Visa Rewards website. Alternatively, you can phone the Rewards Centre on 1300 367 763 during business hours.
Q. What is 'Points Plus Pay' and how does it work?
A. With Points Plus Pay you can redeem selected Rewards faster. You don't have to wait until you have earned enough Reward Points to equal the complete cost of the Reward.
Rewards Points can be used to redeem a portion of the Reward, and the balance can be paid using your ANZ Rewards Visa Card, another credit card, or by cheque. If you use your ANZ Rewards Visa Card, you will earn Reward Points for the payment portion.
Q. How can I check which Rewards are currently available?
A. Your Rewards Guide, distributed with your Reward Points statement will list your Reward choices. Current Reward choices are also available on the ANZ Rewards Visa Rewards website. Alternatively, you may phone the ANZ Rewards Centre on 1300 367 763 during business hours.
Please note that all Rewards are subject to availability.
Q. What happens if I have a query about my current Reward Points balance?
A. You can check your Reward Points balance online at the ANZ Rewards Visa Rewards website.
Alternatively, you may call the ANZ Rewards Centre on 1300 367 763 during business hours.
Q. How can I redeem Rewards?
A. You can redeem Rewards online by visiting the ANZ Rewards Visa Rewards website.
Alternatively you may call the ANZ Rewards Centre on 1300 367 763 during business hours.
Verified by Visa - FAQ's
Q. After I enrol, how long does it take for Verified by VISA to become active on my card?
A. It will become active immediately.
Q. What happens if I don't want to enrol?
A. You will be able to defer enrolment three times. After you defer three times, you will need to enrol in Verified by VISA to continue shopping online with Verified by VISA participating merchants.
Q. Can additional cardholders shop with Verified by VISA once I enrol?
A. If there are multiple cardholders, each cardholder will need to enrol for Verified by VISA in order to shop online with the Verified by VISA protection at participating merchants.
Q. How do I change my Verified by VISA password or Personal Message?
A. Once you have enrolled, you can change these at any time by clicking the 'Enrol Now' button on the Verified by Visa password entry screen. Alternatively you can call 13 33 50 to have your Verified by VISA password reset.
Q. What if I forget my password?
A. If you have forgotten your Verified by VISA password and you haven't suspended your Verified by VISA account, you can simply click on the "Forgot your password" link on the Verified by VISA password entry screen and re-enrol. You will be asked to create a new Verified by VISA password and Personal Message.
Q. How do I unlock my password?
A. Call ANZ on 13 33 50 for assistance.
Q. How do I unblock my enrolment?
A. Call ANZ on 13 33 50 for assistance.
Q. How do I cancel my Verified by VISA service?
A. Call ANZ on 13 33 50 for assistance.
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Copyright Australia and New Zealand Banking Group Limited (ANZ) 100 Queen Street, Melbourne 3000, ABN 11 005 357 522, 1996-2008.
ANZ's colour blue is a trade mark of ANZ. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.
ANZ recommends you read the Product Disclosure Statement and the Financial Services Guide before acquiring the product.