skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Debt consolidation

Want to get your debt under control?  

If you feel like your credit card, store card or other personal debts are getting away from you, we may be able to help. 


Credit card balance transfer

A balance transfer could help you save on interest charges, to help you get back in control of your finances.


  • You could save on interest repayments by making a balance transfer from your non-ANZ credit or store cards onto an ANZ personal credit card.
  • Have one credit card and one repayment. It’s easier to manage, plus you could reduce the amount of fees you have to pay (if you are paying fees across a number of credit and store cards).
  • We’ll do it for you. We’ll make things easy by organising the balance transfer for you.

A balance transfer may be suitable if you’d like:

  • a minimum monthly repayment that is calculated on your outstanding balance
  • continued access to credit using your card up to your credit limit.

It’s important to note that you won’t benefit from interest-free periods on purchases if you have an outstanding balance transfer.disclaimer

Compare our ANZ credit cards



A Personal Loan for debt consolidation

You could also consider an ANZ Personal Loan to help you with debt consolidation. 

Learn more



Credit cards

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

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement of account in full by the applicable due date. Your 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. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use. Existing customers should review their credit contract for information regarding their account.