Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate, ANZ Low Rate Platinum, 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  This is a limited time only offer which may be withdrawn or changed at any time without notice.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 3% 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 Low Rate,  for ANZ Low Rate Platinum,  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).

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

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. 

For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or, if applicable, the 'Closing Balance' less instalment Plan and Buy Now Pay Later plan balances) shown on each statement of account in full by the applicable due date. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF 468kB).

Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545 to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the Premium Cards - insurances booklet (PDF 366kB).

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.

This estimate is based on a couple/family purchasing a standard international annual multi-trip policy underwritten by QBE without any customisation for pre-existing conditions or without taking into account any special conditions or requests as of 16 September 2015.

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

Terms and conditions apply to the use of Apple Pay.

Terms and conditions apply to the use of Android Pay.

Terms and conditions apply to the use of ANZ Mobile Pay.

Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 

Android, Android Pay and the Android Logo are trademarks of Google Inc..

Terms and conditions apply. Please refer to the ANZ Emergency Travel Service & Personal Concierge Terms and Conditions (PDF 92kB) for further information.

ANZ Credit Card Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and OnePath General Insurance Pty Limited (ABN 56 072 892 365). 

This advice is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. Before you purchase ANZ Credit Card Insurance you should consider whether the advice is appropriate for you having regard to your objectives, financial situation and needs.

ANZ recommends that you read and consider the ANZ Financial Services Guide and the ANZ Credit Card Insurance Product Disclosure Statement and Policy (also available by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 113kB). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 113kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate on both their ANZ Rewards American Express card and/or ANZ Rewards Visa card. Existing customers should call 13 22 73 for information regarding the Reward Points earn rate that applies to their account.

Offer available to new and approved applicants who apply for an ANZ Rewards Platinum credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make an eligible purchase (purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 113kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points) within three months of approval to receive the bonus Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

Offer available to ANZ Rewards Travel Adventures account holders who have made $500 of net eligible purchases within three months of approval. One complimentary flight is available to the accountholder each year until the card is cancelled. Complimentary flights are restricted to selected economy fare class on flights operated by Virgin Australia to selected domestic destinations. Bookings are subject to availability and some flights may not have complimentary seats available. Flights must be booked at least 60 days in advance. Not to be combined with any other offer, discount or cabin class upgrades. Fees may apply for excess baggage, booking changes and cancellations. The complimentary flight is not eligible for Velocity Points and/or Status Credits earn. The Air Travel Benefit Terms (PDF 56 KB) and the Virgin Australia Terms and Conditions of Carriage apply. Eligible purchases are described in the Air Travel Benefit Terms - for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases.

Offer available to ANZ Rewards Travel Adventures accountholders who have made $500 of net eligible purchases within three months of approval. The accountholder is entitled to two single entry lounge passes each year until the card is cancelled.  Lounge passes provide access to the Virgin Australia domestic Lounge when travelling on a Virgin Australia domestic flight. Lounge Passes cannot be used in international lounges, partner airlines or associated lounges. Lounge Passes expire 12 months after request. Please allow 4 weeks for delivery of passes. Lounge entry is subject to space availability and is permitted a maximum of 2 hours before the flight. Damaged lounge passes will not be accepted. Lounge passes are non-refundable and must not be offered for re-sale. Access to the lounge is subject to the Virgin Australia Lounge Terms and Conditions and Lounge Rules. This offer is subject to the Air Travel Benefit Terms (PDF 56 KB). Eligible purchases are described in the Air Travel Benefit Terms - for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your eligible purchases.