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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).

Consolidate your debt

Low fee credit cards

0% p.a. for the first 16 months on balance transfers (2% Balance Transfer Fee applies)disclaimer

Reverts to standard balance transfer rate currently 21.49% p.a.disclaimer


ANZ Platinum

A simple everyday credit card with $0 annual feedisclaimer in the first year plus Overseas Travel and Medical Insurancedisclaimer.

Learn more   Apply now

ANZ First

A simple everyday credit card with a low ongoing annual fee.

Learn more   Apply now

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.


Want to apply for a balance transfer?

If you’re applying for a new ANZ credit card, complete the balance transfer section on your application form.

If you’d like to transfer a balance to an existing ANZ credit card, complete the Balance Transfer Application form online or call 1800 007 511  (Monday to Friday 8am-8pm AEST). The standard balance transfer rate will apply. 


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.

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

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  This is a limited time only offer which may be withdrawn or changed at any time without notice.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 16 months after the date the credit card application is approved, and after the first 16 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  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 is  on purchases,  on cash advances and  on standard balance transfers as at and is subject to change.

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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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The Overseas Travel and Medical Insurance master policy, the Transport Accident Cover master policy and Rental Excess Cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - Insurance booklet (PDF 366kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

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