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Balance transfer offers

If you have debt on a non-ANZ credit card or store card, you may be able to take advantage of our balance transfer offers and transfer it onto an ANZ personal credit card account (subject to approval).

Low Annual Fee credit card offers

OFFER

0% p.a. for 18 months on balance transfers (2% Balance Transfer Fee applies)disclaimer

Reverts to standard balance transfer rate currently disclaimer Eligibility criteria, T&Cs, fees and charges apply.

 

  • A low ongoing annual fee of $30disclaimer
  • ANZ Falcon™ provides round-the-clock transaction monitoring

OFFER

0% p.a. for 18 months on balance transfers (2% Balance Transfer Fee applies)disclaimer

Reverts to standard balance transfer rate currently disclaimerEligibility criteria, T&Cs, fees and charges apply.

 

Low Interest Rate credit card offer

  • Low ongoing interest ratedisclaimer for your everyday purchases
  • ANZ Falcon™ provides round-the-clock transaction monitoring

OFFER

0% p.a. for 15 months with no Balance Transfer Feedisclaimer

Reverts to standard balance transfer rate, currently disclaimer Eligibility criteria, T&Cs, fees and charges apply.

 

Things to consider

Balance Transfer Fees

Some promotional balance transfer offers may attract a one-off Balance Transfer Fee. Please refer to the terms and conditions of your promotional balance transfer offer for details. 

 

How is a Balance Transfer Fee calculated?

The Balance Transfer Fee will be calculated as a percentage of the balance being transferred to your ANZ credit card account. When this fee applies, it’ll be identified in the terms and conditions relating to the promotional balance transfer offer.

 

Find out how to apply for a balance transfer

New approved account holders:

Existing ANZ credit card customers: 

Learn more about balance transfers or find more details, including the documents and information you’ll need, on our How to make a balance transfer page.

 

Not what your looking for

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the first year. In each subsequent year, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. Eligible Purchases must be made in the year prior to your next Fee Date. Your Fee Date is the date that your account is assessed for charging an Annual Fee. If your account has not previously been charged an Annual Fee then for the purpose of determining your eligibility for the waiver, your Fee Date is the first date that your account is assessed for charging an Annual Fee. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of Eligible Purchases in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change. 

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Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued Master Policies to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allow eligible ANZ account holders and cardholders to claim under the Master Policies as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the Master Policies are set out in the Premium Cards – Insurances, Insurance Policy Information booklet (PDF 366kB) and the ANZ Credit Cards Insurance Features booklet (PDF 428kB) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. 

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Offer only available to new and approved credit card applicants who apply for an ANZ First or ANZ Platinum credit card account with the balance transfer.  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 conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. The offer must be requested at the time of applying for the credit card. The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 2% of the balance transferred and will be applied at the time the balance is transferred and form part of the Promotional Plan balance. The Promotional Plan annual percentage interest rate expires 18 months after the date the credit card application is approved, and after the first 18 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is  for ANZ First and  for ANZ Platinum as at Monday 20 June 2017 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 468kB).

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Standard annual percentage interest rate for ANZ Platinum is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

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The Annual Account Fee for ANZ First is current as at  and subject to change

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Standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at and is subject to change.

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Standard annual percentage interest rate for ANZ Low Rate Platinum is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

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Standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

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Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate credit card account with the balance transfer. 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 conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. ANZ will process the balance transfer requested and any applicable fees up to 95% of your available credit limit. The balance transfer must be requested at the time of applying for the credit card. The balance transfer Promotional Plan annual percentage rate expires 15 months after the date the credit card application is approved, and after the first 15 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is  for ANZ Low Rate as at  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.

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