ANZ Smart Choice Super.
Set up in just five minutes,
in app or online.
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
We may provide you with links to general articles and tools that may help you but any advice does not take into account your objectives, personal needs and financial circumstances and does not constitute financial advice or a recommendation. Before considering if any product is right for you, you should take into account your personal needs and financial circumstances and consider whether it is appropriate for you.
Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.Return
This offer applies to existing ANZ credit cards only.
The offer is for a Promotional Plan balance transfer of 0% p.a. for 18 months, with a 3% Balance Transfer Fee. The balance transfer amount will be charged interest at the Promotional Plan annual percentage interest rate from the date the balance transfer is processed. At the end of the Promotional Plan period, the standard annual percentage rate for balance transfers will apply to any unpaid Promotional Plan balance. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF).
ANZ accepts balance transfers of $100 or more from certain non-ANZ accounts (for example, a credit, charge or store card account).
ANZ cannot accept a balance transfer:
The maximum total balance transfer amount, including any applicable fees, is 95% of you available credit limit at the time the balance transfer is processed, or $30,000, whichever is lower. If processing your balance transfer means your card has reached 95% or more of your available credit limit, we won't be able to process the full amount (we may, however, be able to process part of the balance).
Payments to your nominated account(s) can take between 3 and 15 business days depending on the institution(s) to which the payments are being made.
You 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. You will also need to keep paying off any remaining non-ANZ account balance(s) once the transfer is complete. Performing a balance transfer does not close your account(s) at other financial institutions.
This is a limited-time only offer which may be withdrawn or changed at any time without notice. Offer available in respect of balances transferred from non-ANZ credit and store card accounts only. Not available in respect of balances transferred from an existing ANZ account.
For details about all applicable fees aand charges, please refer to your Letter of Offer, ANZ Credit Cards Conditions of Use (PDF), ANZ Personal Banking Account Fees and Charges (PDF).Return
Applications for credit are subject to ANZ’s eligibility and credit approval criteria. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice.
Offer available in respect of balance transfers requested from Australian non-ANZ credit and store cards only at the time of applying for the new ANZ credit card. ANZ will process the balance transfer requested and any applicable fees up to 95% of your approved credit limit. Depending on the credit limit we approve, this might be less than the full amount of the amount of balance transfer you request when you apply.
The balance transfer Promotional Plan annual percentage rate expires 28 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 28 months the standard balance transfer annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. The standard balance transfers annual percentage rate is currently for ANZ Low Rate Card, and is subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF).
See the ANZ Credit Card Conditions of Use (PDF) and the ANZ Personal Banking Account Fees and Charges (PDF) for more information about fees and charges. If you transfer to a different credit card account this offer will cease to apply.
The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 3% of the balance transferred and will be applied at the time the balance is transferred and forms part of the Promotional Plan balance.
After the first year an annual fee applies, currently $58. Please see the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Credit Cards Conditions of Use (PDF).Return
The Balance Transfer Fee (which is a Specific Fee on the Credit Card Account) will be calculated as a percentage of the balance being transferred to your ANZ Credit Card Account. The Balance Transfer Fee will be applied at the time the balance is transferred and forms part of the Promotional Plan balance.Return
Interest and other fees and charges payable by specific individuals will depend on how the account is used and the T&Cs, interest, fees and charges that apply.Return