skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

ANZ Visa Debit card

Get an ANZ Visa Debit carddisclaimerwith an eligible ANZ everyday account so you can use your own money to make purchases.

Want a Visa Debit card?

Features and benefits

Secure shopping, faster checkout with your mobile

With your ANZ Visa Debit carddisclaimeradded to your digital wallet, you don’t need to fill out your card payment details each time you shop online or in-appdisclaimerand your shipping details are often populated automatically for you too so you can check out even faster! You can tap and pay with your phone or wearable device easily and securely by reducing contact with cash, cards and PIN pads.

Cashrewards Max

Available to all eligible ANZ cardholders. Sign up to Cashrewards Max and link your eligible ANZ card to access higher cashback offers, with a range of leading retailers, compared to the standard Cashrewards program.disclaimer

Learn more

Protection for your money

We have round-the-clock card security provided by ANZ FalconTM to help protect your card. With our ANZ Fraud Money Back Guarantee, you’ll be reimbursed for fraudulent transactions on your ANZ card provided you notify us promptly and didn't contribute to the loss.

Accessibility features

ANZ is the first Australian bank to add accessibility features to its cards for vision-impaired customers. Features include tactile indicators that help orientate and identify cards , larger font and high-visibility edges to help with inserting the card properly.

ANZ Smart ATMs

Our ANZ Smart ATMs are secure, simple to use and easy to find. You can do a range of banking, including cash and cheque deposits and money transfers.

Learn more

Spend in more places

Use your ANZ Visa Debit carddisclaimer to make purchases with your own money online, over the phone or overseas wherever Visa is accepted.

Paying is fast and easy

Just wave and go for purchases under $100 with ANZ Visa payWave at participating merchants, or enter your PIN for purchases over $100.

Some advantages of using a debit card

Shop with your own money

We get it - not everyone feels comfortable borrowing money to make everyday purchases. With a debit card, you shop with the money that you put in your eligible linked ANZ everyday account.


Get cashback

You can access cashback offers if you sign up to Cashrewards Max and link your eligible ANZ Visa debit card.disclaimer

No interest

By spending your own money, you won't incur interest on your eligible linked ANZ everyday account - unless you have an overdraft. However, your eligible linked ANZ everyday account may incur monthly service and transaction fees.

You get to choose the colour of your card




Eligible ANZ everyday accounts with ANZ Visa Debit card

ANZ Access Advantage

Everything you need from an everyday transaction account, including easy and secure banking, unlimited ANZ Transactions and ANZ Visa Debit card.disclaimer

Learn more

ANZ Access Basic

Offers affordable and convenient banking for Concession and Health Care card holders.disclaimer

Learn more

ANZ Pensioner Advantage

An account to help you earn interest. If you receive a Centrelink pension or a Veterans’ Affairs pension or allowance you may be eligible.disclaimer

Learn more

ANZ One Offset

An offset account is a transaction account linked to an eligible home or investment loan. The money you have in this account could offset the amount you owe on that loan, and you'll only be charged the interest on the difference.

Learn more


Applying for ANZ Access Advantage

Take a moment to review ANZ Access Advantage to help you decide if it's right for you.


  • Unlimited ANZ Transactions for a $5 monthly account service fee
  • We'll waive the monthly fee if you deposit at least $2,000 per monthdisclaimeror meet other eligibility criteriadisclaimer
  • You can also get the fee waived if you're a full time student or under 25 years olddisclaimer
  • Customers aged 14 years and above with an Australian mailing address can apply for an ANZ Access Visa Debit Carddisclaimer

Things to consider

  • Some transactions attract fees, like overseas transactions and bank chequesdisclaimer
  • Generally, ANZ won’t process a transaction that will overdraw your account. However, if your account is overdrawn, you may be charged fees and interestdisclaimer
  • Got a concession card or receive government benefits? Have a look at ANZ Access Basic and ANZ Pensioner Advantage
  • This account is for personal use only

Apply online

It takes less than 10 minutes to apply for ANZ Access Advantage online.

If you have your documents  handy, you can get started now.

Eligibility criteria:

  • Australian residents
  • An Australian residential and mailing address
  • 12 years or older

Apply now

For joint account applications, after ANZ has opened your account, you will need to visit an ANZ branch with all account holders to sign a Joint Account Authority Form. You will not be able to access your joint account until this form is signed.

Other ways to apply for ANZ Access Advantage

ANZ Internet Banking

If you’ve registered, log in and select open a new account. Then the click on the Bank accounts tab and look for ANZ Access Advantage.

Log in

The ANZ App

Download the app from the  App Store or  Google Play and follow the prompts to get started.disclaimer

Learn more

Call us or visit a branch

Call us on 13 33 33 Mon-Fri 8.00am to 8.00pm (AEST) or find an ANZ branch near you.

Understand more

The $5 fee will be automatically waived if you deposit at least $2,000 a monthdisclaimer and you don’t have to keep your $2,000 in your account for the whole month.

You may also apply for a waiver of the $5 monthly account service fee* on one nominated ANZ Access Advantage account if you

  • are under 25 or aged 60 or over,
  • are a full-time student at an Australian educational institution,
  • receive a disability support pension or mobility allowance from Centrelink,
  • have an ANZ Home Loan, an ANZ Residential Investment Loan or an ANZ Portfolio Facilitydisclaimer and have your salary paid into your account


* Other fees and charges may apply. For details see ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.

A Visa Debit card allows you to pay for your purchases using your own money through the Visa network, while a credit card provides you with the ability to access credit, which you then repay at a later date.

Visa Debit offers the flexibility of accessing your everyday transaction account with the added benefit of access to the worldwide Visa network. You can access your account at more than 29 million outlets around the world including online, over the phone or overseas. So now you can make purchases like flights or concert tickets online or over the phone using Visa Debit.

Customers aged 14 years or over that have an Australian mailing address are eligible to apply for a Visa Debit carddisclaimer.

There are many ways you can access your money using your ANZ Visa Debit card, including at ATMs, at the point of purchase, over the phone, online and via mail order. 

A simple rule to remember is to select ‘Credit’ or 'Visa Debit' for all transactions, unless withdrawing cash with purchases where you select 'Savings' or 'eftpos SAV'.

Please click here for more answers to your questions.

You may also be interested in

My first Visa Debit card

All the basic information you need to help you get started with a Visa Debit card.

Learn more

Looking for a credit card?

Choose from our range of credit cards including ANZ Rewards cards, ANZ Low Fee cards, ANZ Low Rate cards and ANZ Frequent Flyer cards. 

Learn more

Earn interest and access your savings online

With ANZ Online Saver  you can access your money via your linked ANZ everyday account.disclaimer Check out our bonus interest offer for new customers. 

Learn more

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 ANZ Saving & Transaction Products Terms and Conditions (PDF 427kB) and the Financial Services Guide (PDF 112kB) which are available at or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.


Mobile payments available on compatible devices and eligible ANZ cards. View the full list at

Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung PayFitbit Pay and Garmin Pay.


Cashrewards Max customers who pay with their linked ANZ card may have access to higher cashback rates on selected offers compared to the standard Cashrewards program. Cashrewards Max is offered by Cashrewards and not ANZ. The Cashrewards account is not an ANZ account. Eligibility criteria, cashback redemption & withdrawal conditions and T&Cs apply.


Monthly account service fee waiver applicable to ANZ Access Advantage accounts if you deposit $2,000 or more by the last business day of the calendar month. You must satisfy the monthly deposit requirement to be eligible for the waiver in a particular month. 


On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF).


 Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 180kB) for fees and charges that apply.


Debit interest may apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 199kB).


The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares 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 Labels and Conditions available here for iOS (PDF 381kB) and here for Android (PDF 340kB) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.


Loans not eligible include ANZ Simplicity PLUS, ANZ Money Saver (no longer sold), ANZ Easy Start (no longer sold) and ANZ Interest-in-Advance Residential Investment Loans.


Eligibility criteria apply to the issue of ANZ Access Visa Debit card.


ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Select, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account.