Getting started with your credit card

How to activate your card

• Log on to ANZ Internet Banking and select Activate an ANZ Card from the profile menu
• By phone: call 1800 652 033  (or +61 3 8699 6996  from overseas) any time
• At an ANZ branch: speak to our friendly staff

What's on this page

• Choosing a PIN
• Internet Banking, Phone Banking and goMoney®
• Making purchases
• Cash advances
• Bill payments via BPAY^®
• Understanding your balance in Internet Banking

Choosing a PIN

Things to consider when choosing a PIN:

• Make it easy to remember, but hard for anyone else to guess
• Avoid choosing obvious numbers based on your birth date, driver’s licence, phone numbers or other public/semi-public personal information and avoid sequential numbers like 1234.

Internet Banking, Phone Banking and goMoney®

Register for ANZ Internet or Phone Banking:

• Call  and get a Customer Registration Number (CRN) and Telecode
• Follow the prompts to change your auto-generated Telecode to a Telecode number of your choice, between four and seven digits
• Register online for ANZ Internet Banking using you CRN and Telecode.

Start banking on the go:

• Download the ANZ goMoney® app on your compatible Android device or iPhone
• Enter your Internet Banking login details and your mobile number, and create a 4-digit secure PIN. Then confirm and complete your registration by entering the code sent to you via SMS

Making purchases

Australia has replaced signatures with PIN for credit, debit and prepaid card purchases made in person. So make sure you remember your PIN.

What about purchases under $100?

MasterCard, Visa and American Express provide contactless payment options so you can make contactless payments for purchases under $100 – no need for a PIN.

Simply hold your ANZ credit card to the reader, wait for the beep, and you’re done! Handy for those small, quick everyday purchases.

Apple Pay®, Android Pay™, Samsung Pay™ and ANZ Mobile Pay lets you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ card, so you can continue to get the same great benefits and security. Load your eligible ANZ cards^disclaimer today for a fast and easy way to pay using your phone.

 Shop securely– you can't accidently be charged twice when you tap and go plus you get the added protection of ANZ Falcon™ and ANZ Fraud Money Back Guarantee if fraudulent transactions happen, as long as you didn’t contribute to the loss and you notified ANZ promptly of the fraud.

Cash advances

A cash advance is a debit to your credit card account in exchange for cash or cash equivalent items. For example, if you take cash out from an ATM and select ‘credit’ as the account type.

It also includes various other types of transactions (for example, a purchase of cash equivalent items such as gambling or gaming type transactions, traveller's cheques or money orders).

Cash advance fee: You may also have to pay a Cash Advance Fee (usually the greater of a percentage of the cash advance amount or minimum fee).

Like to know more? Please refer to the ANZ Credit Card Conditions of Use (PDF 584kB) or ANZ Personal Banking Account Fees and Charges (PDF 112kB) booklets. 

Bill payments via BPAY^®

Paying a bill via BPAY® with your credit card can be made as either a purchase or a cash advance. This depends on how your biller is set up with the BPAY^® billing service.

The biller has the option of accepting your credit card as a method of payment.

• If the Biller chooses to accept: the bill payment is processed as a purchase.
• If the Biller doesn’t accept: ANZ may allow you to make the payment using your credit card (when sufficient funds are available). If you choose to go ahead with the payment: it will be processed as a cash advance. Applicable fees and interest will apply from the date of the cash advance.

Understanding your balance in Internet Banking

You may notice that your ‘Current Balance’ is a different amount to your ‘Available Funds’. This may be because ‘Available Funds’ include recent transactions that are in the process of being posted to your credit card account. It also may not include money you’ve just deposited, such as cheques waiting for clearance.