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Activate your card

New card. No worries. You can activate eligible ANZ cards in the ANZ App and ANZ Internet Banking. You can set the PIN for your new card in the app too. That’s handy.


Activate your card

It's important to read the information we include with your credit or debit card before you activate it.

For new credit cards, please make sure you read your Letter of Offer, because by activating your card you accept the terms and conditions.

  • If you're the primary cardholder and haven't received a Letter of Offer, please give us a call.
  • If you're a secondary cardholder, you'll need to wait until the primary cardholder for your account has activated their card before you can activate your own card.
  • You will be able to setup your card PIN via the ANZ App after you have activated your card. Alternatively, you can go into a branch to setup your PIN, or visit how to set or change your PIN

For replacement cards, just so you know, your PIN will remain the same. If you have an ANZ PAYCARD or ANZ Rewards PAYCARD, your new PIN will arrive within 5-7 working days.

How to activate your new card in the ANZ App

To activate your new card: 

  1. Log in to the ANZ App
  2. Tap More on the Accounts screen
  3. Choose Activate Card and follow the prompts.

You can activate a debit or credit card in the ANZ App by scanning it with your camera or by entering the card number.

You'll also be able to set your eligible card PIN at the same time. No need to wait for your card PIN in the mail.


How to activate your new card in Internet Banking

To activate your new card: 

  1. Log in to Internet Banking 
  2. Go to the Settings menu
  3. Select Activate card and follow the prompts.

For personal ANZ credit cards, if you're a primary cardholder and you also wish to activate the cards of all additional cardholders, you can select Activate card(s) for all additional cardholders once the card has been received by the cardholder.

Please ensure they have completed the customer identification process.


Alternative ways to activate your card

In addition to activating your card using the ANZ App or ANZ Internet banking, you have the option to give us a call

Tap into the benefits of using digital walletsdisclaimer

You can use your phone to make payments on the go by adding your eligible ANZ card to your digital wallet.

If you're replacing an existing card that's in your digital wallet, it should update automatically. That’s handy.

Add a card to your digital wallet

Set or change your card PIN

How to set or change your card PIN in the ANZ App

To set or change a card PIN:

  1. Open the app and log in
  2. Choose the account the card is linked to
  3. Tap Manage, then Manage Card
  4. Tap Set/Change Card PIN and follow the prompts.


Tips for creating a card PIN

Things to consider when creating your new card PIN: 

  • Your PIN should not be based on information that is easily found such as your personal telephone number, birthday or other personal information, otherwise you may be liable for any loss suffered from an unauthorised transaction.
  • Choose a PIN you'll easily remember as it must be memorised and not recorded anywhere.
  • Avoid using the same PIN across different websites, applications or services, particularity when they relate to different entities.
  • PINs must be kept confidential and should not be shared or revealed to anyone.

More tips for keeping your information secure

Is the secret out? What to do if your PIN isn't secure

Please notify us immediately if you're concerned your PIN has been disclosed to someone who may have unauthorised access to your ANZ credit or debit card. To do this, follow the same steps as reporting a lost or stolen card.

Report lost or stolen card

Need more help?

ANZ Support Centre

Support information for online banking as well as products and services.

Support centre


Give us a call

Want to speak to a human? Here you'll find the right number for your enquiry.

Contact us


Book a branch appointment

Book an appointment online to speak to someone at your preferred branch.

Book now


Your questions answered

Activate an ANZ Card function allows you to activate the following card types:

  • ANZ Access Card
  • ANZ Access Visa Debit Card
  • ANZ Business Visa Debit
  • ANZ Business One
  • ANZ Business Black
  • All personal ANZ Credit Cards.

Please note:  ANZ Corporate or Purchasing cards can't be activated online. Please follow the instructions on your letter of offer or contact us if you have any questions. 

If you've ordered a replacement card, you will be able to use your current card (prior to the last day of the expiry month) until you've activated your new card.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.