Information in this article refers to personal credit cards, is general in nature only and does not take into account your personal objectives, financial situation or needs.
By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations. You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.
The information is current as at June 2019 and may be subject to change. ANZ recommends you review your personal credit card contract for information about the terms that apply to you.
ANZ interest rates and fees and terms and conditions are subject to change. Refer to the current credit card interest rates, fees and terms for further information and current interest rates, fees and terms.
Applications for credit at ANZ are subject to ANZ's credit approval criteria, terms, conditions and fees and charges apply. Australian Credit Licence Number 234527.
ANZ consumer credit card account holders can avoid Late Payment Fees by paying the Minimum Monthly Payment shown on their statement of account by the due date, as well as paying any overlimit amounts or overdue amounts.Back to top
Direct debiting is not available on all accounts. If in doubt, please refer to your bank or financial institution. Terms and conditions may apply to direct debit arrangements, including that your nominated account has sufficient cleared funds. Temporary service disruptions may occur. Contact your credit card provider for further details. ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide before acquiring any ANZ product with a direct debit arrangement.Back to top
At ANZ, if a consumer credit card account has interest-free periods on purchases, the account holder can avoid paying interest on the purchases balance by always paying the full Closing Balance (or if applicable, the ‘Adjusted Closing Balance’) shown on each statement of account by the applicable due date. The Adjusted Closing Balance is calculated as your closing balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan. If the account holder doesn’t pay the full Closing Balance (or if applicable, the ‘Adjusted Closing Balance’) shown on a statement of account by the applicable due date, they will generally be charged interest on their purchases balance from the day after the Due Date shown on that statement. Not all transactions (e.g., cash advances) get the benefit of interest-free days. Refer to the applicable credit contract for details.Back to top
Outcomes for individuals will depend on how the account is used, as well as the terms and conditions, interest, fees and charges that apply.Back to top