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?
Disputing a transactiondisclaimer
Transactions you make using your ANZ credit card should be checked carefully on your monthly statement.
If you find a discrepancy, you can dispute a transactiondisclaimer. There are a number of ways you can do this, including via ANZ Internet Banking, by using the ANZ App, sending us a form, or contacting us. We’ll show you how.
If none of these options are working for you, please contact us.
If you have one of our Platinum, Black or Rewards Travel Adventures cards, you’ll find details about complimentary travel and purchase insurance available with these cards in this booklet.
ANZ Platinum and Black Personal Credit Cards Complimentary Insurance (PDF 696kB)
We could help you with your 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.
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 limit forms
ANZ encourages you to maintain a credit limit that is appropriate for your needs.
An easy way to ensure your card payment is made on time.
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.
Got an ANZ Visa PAYCARD, and want to opt out of exceeding your emergency ANZ Visa PAYCARD limit?