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ANZ Balance Visa FAQs

Product Changes Effective from 19 April 2021

This page was updated on 23 April 2021.

Summary of the changes

Customers were told that the ANZ Balance Visa credit card product was being closed. As a result, ANZ had terminated the ANZ Balance Visa Rewards program.

After a continued review process of the ANZ Balance Visa card product, we’ve decided to close the ANZ Balance Visa card product and terminate the ANZ Balance Visa Rewards Program.

My current account

You can consider exploring an alternative ANZ credit card that may meet your ongoing banking needs.

There are a number of ways you can explore other options and, if you find a card that is right for you, transfer to another ANZ credit card. You can do so:

1. By phone:

2. Online:

  • Log in to ANZ Internet Banking
  • Select your credit card account 
  • Go to 'Account actions' and select 'Change your credit card type'

To view information on available ANZ Credit Card options please visit our credit card page.

Promotional offers displayed on anz.com are for new and approved applicants only and do not apply if you change your credit card type. 

3. Redeeming your Reward Points:

You can redeem your remaining Reward Points up until 8pm 31 May 2021 (AEST), if eligible. You can use your Reward Points to either reduce the outstanding balance on your ANZ Balance Visa card by redeeming a Cashback, or to redeem Gift Cards, if you’re eligible.

Visit anzbalancevisa.com to log in and check your current Reward Points balance or redeem your Reward Points. If your account is transferred, you can redeem Reward Points over the phone by calling 1300 368 324, or +61 2 9352 3112 from overseas, between 8am to 8pm (AEDT), Monday to Friday (excluding national public holidays).

Important Note:

After 31 May 2021, we’ll credit your remaining Reward Points from your ANZ Balance Visa card account (if any) in the form of a Cashback if you’re eligible, to any outstanding balance on your ANZ Balance Visa card or, if you do not have an outstanding balance, to an alternate ANZ Account if appropriate.

If you don’t have an outstanding balance or appropriate ANZ account, ANZ will send you a bank cheque if eligible and if your ANZ Reward Points balance is 5,000 or more Reward points, otherwise the points will be cancelled.

We’ll refund a portion of any Annual Account Fee, Rewards Program Services Fee and Additional Cardholder Fee you’ve paid for your ANZ Balance Visa card account in the 12 months prior to the closure of your account in the form of a refund.

Once your ANZ Balance Visa card account is closed, you’ll no longer be able to use your ANZ Balance Visa card. You’ll still be required to continue to repay any outstanding balance on your ANZ Balance Visa card after your account is closed.

We are unable to make any changes to your account when it is overdrawn or over limit. You will need to make a payment(s) to bring your account under the limit before ANZ can process your request to change to another ANZ credit card.

If you are experiencing financial difficulty, please call us on 1800 252 845 (Mon to Fri 8am to 6pm AEST) to discuss your account.

Once your ANZ Balance Visa Card is closed, you’ll no longer be able to use your ANZ Balance Visa card.

You’ll still be required to pay at least the minimum monthly payment by the due date each month until paid in full.

No, you are unable to opt out of this change.

We understand that this change may be inconvenient. If you have further questions about these changes or would like to talk to an ANZ team member to discuss your situation, please call ANZ on 1800 317 337, Monday to Sunday 8am to 8pm AEDT (excluding national public holidays), or +61 3 9683 9999 from overseas.

Reward Points

You can redeem all your remaining Reward Points up until 8pm 31 May 2021 (AEST), if eligible. You can use your Reward Points to either reduce the outstanding balance on your ANZ Balance Visa card by redeeming a Cashback, or to redeem Gift Cards, if you’re eligible.

Visit anzbalancevisa.com to log in and check your current Reward Points balance or redeem your Reward Points if you’ve already registered. You can also redeem your Reward Points over the phone by calling 1300 368 324, or +61 2 9352 3112 from overseas, between 8am to 8pm (AEDT), Monday to Friday (excluding national public holidays).

Please note once your account is closed or if you haven’t registered online, you’ll be unable to log into ANZ Balance Visa rewards website. To redeem your Reward Points after this time, please call the ANZ Rewards Centre before 8pm on 31 May 2021 (AEST).

After 31 May 2021, we’ll credit your remaining Reward Points from your ANZ Balance Visa card account in the form of a Cashback if you’re eligible, to any outstanding balance on your ANZ Balance Visa card or, if you do not have an outstanding balance, to an alternate ANZ Account if appropriate.

If you don’t have an outstanding balance or appropriate ANZ account, ANZ will send you a bank cheque if eligible if your ANZ Reward Points balance is 5,000 or more Reward points, otherwise the points will be cancelled.

Once your account is closed, if you’re eligible, you can redeem your Reward Points up until 8pm on 31 May 2021 by calling the ANZ Rewards Centre on 1300 368 324 (8am to 8pm Mon – Fri). You can continue to browse the website at any time to see what redemption options are available before you call by visiting anzbalancevisa.com.

After 31 May 2021, the Rewards Centre will no longer be able to process any new redemptions.

No, as the ANZ Balance Visa Rewards Program has been terminated, you’ll have up until 8pm 31 May 2021 (AEST) to redeem your Reward Points.

You’ll continue to earn Reward Points on eligible payments made to your ANZ Balance Visa account until the end of the day before your account is closed by ANZ; or the end of the day before your transfer is processed by ANZ if you’re transferring to another ANZ credit card product.

Transfer to another ANZ credit card

Yes, if your ANZ Balance Visa account is a part of Breakfree Package, the annual account fee on the new ANZ credit card will continue to be waived. If you decide to transfer to a product that has a Rewards Program Services Fee, the applicable rewards fee per card will apply.

Yes, if your ANZ Balance Visa account has existing Private Bank benefits applied to it these will be transferred to the new account.

If applicable, an Annual Account Fee and any Rewards Program Services Fee or an Additional Cardholder Fee will be charged on the new ANZ credit card based on the credit card you choose.

You’ll need to update all automatic payments, to and from your credit card (direct debits and recurring payments) to the new card number.

To help get you started, we will send you a list of recurring payments that have been applied to your ANZ Balance Visa account over the last 13 months.

We’ve also put together a list of some of the most commonly used service providers for ANZ credit card customers.

You’ll need to activate your new card before you can start using it. You should update all direct debits and recurring payments as soon as you activate your new card so you don’t miss any important payments.

Card Pay Direct payments will automatically be transferred to the new ANZ credit card. All other payments that you may have set up via Internet Banking; e.g. Pay Credit Card from your savings account or BPAY to pay off your ANZ Balance Visa card, will need to be deleted and then set up again using your new ANZ credit card details.

You’ll need to add your new ANZ credit card to your compatible phone or wearable device. For more information, go to ANZ digital wallets page.

The ANZ Balance Visa card will be automatically removed from your phone or device when it is closed. An email confirming that the card has been deleted from the wallet will be sent to the email address on file.

Once the new card is activated, you can choose to add it onto your phone or device at any time.

For more information on how to add your new ANZ card, go to ANZ digital wallets page.

If you request to switch to another ANZ credit card using the QR code on your letter and you’re approved, we’ll send your new ANZ card to you after 2 April 2021 and before your ANZ Balance Visa account closes. You’ll receive a SMS from ANZ confirming that your ANZ Balance Visa card is closing and that your new card is on its way. You should receive the new card within 7-10 business days from receiving the SMS. Your new card and applicable additional cardholder cards will be sent to the mailing address held on file for you.

If you request to 'change your credit card type' via ANZ Internet Banking or over the phone and you’re approved, you should receive the new card within 5-7 business days from when your request is processed.

If you reside outside Australia, the new card will be sent via courier to the address you provide to ANZ. Postage times may vary to those stated above, there may be delivery delays due to COVID.

If you request to switch to another ANZ credit card using the QR code on your letter and you haven’t received your card(s) after 10 business days of receiving the SMS from ANZ, call us at any time on 1800 033 844 (+61 3 8699 6955 from overseas).

If you request to ‘change your credit card type’ via ANZ Internet Banking or over the phone and you’re approved, and you haven’t received your card(s) after 7 business days, call us at any time on 1800 033 844 (+61 3 8699 6955 from overseas).

No, the PIN from your ANZ Balance Visa will be carried across to your new ANZ credit card. You can choose a new PIN through the ANZ App if you have forgotten your old one or would like to select a new one. Alternatively, you may also call us on 1800 317 337 (Mon-Sun, 8am-8pm AEDT or +61 3 9683 9999 from overseas, excluding national public holidays) and we can mail a PIN to you.

Please notify any additional cardholders of the ANZ Balance Visa account closure. The new ANZ credit card will automatically be provided for all additional cardholders unless the ANZ Balance Visa card issued to the additional cardholder was not activated or was cancelled.

Additional cardholders will also need to update their own automatic payments (direct debits and recurring payments) with their new ANZ credit card details.

Yes, if you have purchased ANZ Credit Card Insurance through the ANZ Balance Visa credit card and it is active, then it will be transferred onto your new ANZ credit card.

If you’re using your ANZ Balance Visa card number as your Customer Registration Number (CRN) to access ANZ Internet Banking or ANZ Phone Banking, you will need to set up a new CRN. To change your CRN call us on 13 13 14 (7am – 10pm your local time in Australia, 7 days a week).

Please call us on 1800 317 337 (Mon-Sun, 8am-8pm AEDT or +61 3 9683 9999 from overseas, excluding national public holidays).

You’ll continue to earn Reward Points on eligible payments made to your ANZ Balance Visa account until the end of the day before your account is closed by ANZ; or the end of the day before your transfer is processed by ANZ if you’ve transferred to another ANZ credit card product.

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

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