*Eligibility criteria, T&Cs, fees & charges apply.
Earn Reward Pointsdisclaimer
Get Reward Points for reducing your ANZ Balance Visa credit card balance.
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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.
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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).Back to top
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.Back to top
Terms and conditions apply to the use of ANZ Apple Pay.
Apple Pay and Android Pay support many ANZ Visa credit and debit cards and ANZ American Express® cards, but currently not ANZ MasterCard® or ANZ Access cards. View the full list of ANZ supported cards.
American Express is a registered trademark of American Express. ANZ American Express® cards are issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express.
MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
Apple Pay is not currently available at NAB, CommBank or Westpac.
Terms and conditions apply to the use of Android Pay. Android, Android Pay and the Android Logo are trademarks of Google Inc.Back to top
Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.Back to top
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).Back to top
Standard annual percentage interest rate is on purchases and on cash advances and on standard balance transfers as at and is subject to change.Back to top
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).Back to top
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.Back to top
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.Back to top
When you redeem your Reward Points for ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black account within 5 business days.Back to top
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 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 Rewards 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 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.Back to top