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:


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

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


CardPay Direct

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?

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.