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

Get to know your card back to front

For applicable fees, terms and conditions for ANZ’s credit card products please see our rates, fees and terms page. 


What's on this page?


General information

Disputing a transaction

Transactions you make using your ANZ credit card should be checked carefully on your monthly statement.

If you find a discrepancy, contact us immediately on 13 13 14, or complete a Customer Transaction Dispute Form (PDF 277kB).

Like to know more about disputing a transaction?

Disputing a transaction brochure (PDF 128kB)


Travelling overseas

Want some travel, money and insurance tips for your overseas travel?

Travel overseas brochure (PDF 452kB)

If you have one of our Platinum or Black cards, you’ll find details about complimentary travel and purchase insurance available with these cards in this booklet.

Premium Cards - insurances booklet (PDF 366kB)

We could help you with your ANZ travel money and travel insurance needs. 

  • Travel smart with your ANZ credit card using our travel tips
  • Our Travelling Overseas page helps you plan ahead to make the most of your overseas trip.

To check the fees applicable when using your card overseas please see the ANZ Personal Banking Account Fees and Charges and the ANZ Personal Banking General Fees and Charges booklets.


Rewards program brochures

Whether you want to earn Qantas Points, great merchandise and gift cards or cash back on your card, we’ve got a rewards program to suit you.

These brochures detail our rewards credit cards and their programs:


ANZ Frequent Flyer

Introducing ANZ Frequent Flyer (PDF 320kB)Introducing ANZ Frequent Flyer Black (PDF 1.67MB)

ANZ Rewards

Introducing ANZ Rewards (PDF 1.94kB)Latest ANZ Rewards newsletterLatest ANZ Black Rewards newsletter,Introducing ANZ Rewards Black (PDF 1.8MB)

ANZ Balance Visa

ANZ Balance Visa Introduction Guide (PDF 383kB)


Credit card key facts sheet

A standardised credit card key facts sheet must accompany all credit card application forms (paper and online). Its purpose is to give you standard information about our credit cards to easily compare them.



Credit Limits

Balance transfer application form (PDF 57kB)

Transfer an outstanding balance from a non-ANZ credit or store card onto your ANZ credit card.

Additional cardholder application form (online)

Additional cardholder application form (PDF 126kB)

Add an additional cardholder to your credit card account. Fees may apply. 

Transfer between card accounts application (PDF 124kB)

Change your credit card type.

Request to combine ANZ card accounts (PDF 68kB)

If you have more than one ANZ credit card account, you can ask to combine them if you prefer. This may help you save on annual fees. 

Statement change request form (PDF 70kB)

Request to receive your ANZ credit card account statement on a different day of the month.

Change to recurring transactions/direct debits form (PDF 131kB)

Authorise a change to regular bill payments.

Credit Card Application for Account Reinstatement form (PDF 88kB) 

Apply to reinstate your closed credit card account


Credit limit forms

ANZ encourages you to maintain a credit limit that is appropriate for your needs. 

Credit Limiits

Credit card limit increase/decrease application form (PDF 92kB)

You can apply to change your credit card limit.

Credit limit increase written invitation consent form (PDF 200kB)

Give us permission to contact you in writing when you may be eligible to apply   for a credit limit increase.

Credit limit increase written invitation withdraw consent form (PDF 152kB)

 You can withdraw your permission to receive written credit limit  increase invitation



CardPay Direct

An easy way to ensure your card payment is made on time.


CardPay Direct form (PDF 64kB) 

 Authorise regular repayments to your credit card.

CardPay Direct cancellation authority form (PDF 187kB)

 Cancel an authorisation for CardPay Direct payment.


Informal overlimit facility

Exceeding your credit limit

If you opened your ANZ credit card account on or after 18 June, 2012, we may, in some circumstances, allow you to exceed the credit limit on your card where:

  • You consent to being charged a $20 Overlimit Fee (charged at a maximum of once per statement period*)
  • The transaction and your circumstances meet certain criteria

Even if you don't provide consent, we may still process non-electronic transactions, direct debits or interest, fees and charges in excess of your credit limit, but you will not be charged a fee in these circumstances. 

There are no changes to accounts opened before 18 June 2012.


Overlimit Fee Consent form (PDF 60kB) 

Give us consent to charge the $20 Overlimit Fee

Overlimit Fee Opt Out/Withdraw Consent form (PDF 112kB)

To opt out (withdraw consent)


Got an ANZ Visa PAYCARD, and want to opt out of exceeding your emergency ANZ Visa PAYCARD limit?

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.

*You will not be charged an Overlimit Fee if you hold an ANZ Access Basic Account and you have notified us of it.