Getting started with your credit card

How to activate your card

New card. No worries. You can activate eligible ANZ cards in the ANZ App and ANZ Internet Banking. You can set the PIN for your new card in the app too. We can show you how.

How to activate your card

Alternatively, you can contact us to activate your card or visit a branch.

What's on this page

• Choosing a PIN
• Internet Banking, Phone Banking and the ANZ App^disclaimer
• 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 the ANZ App

If you want to start banking online with ANZ, we can show you how to register and log in to ANZ Internet Banking, register for phone banking or download and use the ANZ App. You’ll need your customer registration number and Telecode to get started.

See how to register

If you need help or don’t have your customer registration number and Telecode, please contact us to get you started.

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.

Use your compatible smartphone or wearable device to tap and pay with eligible ANZ cards^disclaimer, so you can continue to get the same great benefits and security.

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 428kB) 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.