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Earn Reward Points by paying off your credit card balancedisclaimer

 ANZ Falcon™ gives you extra security and confidence when you shop

 ANZ Visa PayWave™ lets you securely tap and go

Features and benefits

Earn Reward Pointsdisclaimer

Get Reward Points for reducing your ANZ Balance Visa credit card balance. 



Secure and convenient


Earn rewards differently

Earn 1 Reward Pointdisclaimer for every $1 you pay to your balance. You have the flexibility to redeem points on gift cards and cashback.disclaimer

Just tap and go

Securely pay for purchases under $100 with ANZ Visa PayWave™ – simply tap and go with your card at participating merchants – no need to swipe, dip or enter a PIN.

Shop with extra security and confidence

  • ANZ Falcon™ provides round-the-clock monitoring for suspicious transactions
  • You won't be liable for fraudulent transactions on your ANZ credit card account with ANZ Fraud Money Back Guaranteedisclaimer
  • Worldwide emergency credit card replacement.

Rates and fees

The important numbersdisclaimer

Interest rate on purchases


Interest rate on cash advances


Interest free period on purchases

Up to 55 daysdisclaimer

Total annual fee


Minimum credit limit


Additional cardholders

Up to 3
for a fee of $32 per additional cardholderdisclaimer

Looking for more choices?

Be rewarded for your everyday purchasesdisclaimer and have the flexiblity to redeem points for rewards ranging from gift cards to cashbackdisclaimer and travel


25,000 Reward Points when you spend $2,500 on eligible purchases in the first 3 months and no annual fee for the first yeardisclaimer 

Not sure which credit card is right for you?

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. 

ANZ goMoney™ is provided by and is a trademark of ANZ.

™ 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.

ANZ's colour blue is a trademark of ANZ.


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Rewards points are not earned on cashback transactions to your account. Rewards points accrue in accordance with the ANZ Balance Visa Rewards Program Terms and Conditions (call ANZ on 13 13 14 for a copy).

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When you redeem your Reward Points for ANZ Cashback, credit of a nominated value will be allocated to your ANZ Balance Visa account within 10 business days. 

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

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

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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).

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Includes a $22 Rewards Program Services Fee, which applies per card issued under your account. An annual $10 Additional Cardholder Fee also applies for each additional card.

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 76kB) (please call 13 13 14 for a copy). Purchases exclude fees, cash, cash equivalent transactions, balance transfers and premiums paid for ANZ Credit Card Insurance. 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.

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When you redeem your Reward Points for ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black account within 5 business days.

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Offer available to new and approved applicants who apply for an ANZ Rewards 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 $2,500 worth of eligible purchases (excluding fees, cash, cash equivalent transactions,  cash advances as defined in the ANZ Credit Card Conditions of Use (PDF 328kB),  balance transfers, premiums for ANZ credit card insurance and any other payments excluded under the ANZ Rewards - Rewards Program Terms and Conditions (PDF 76kB)) 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 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.  The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at Tuesday, 24 February 2015 and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

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