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Managing your credit card

Credit limits 

Whether you need more funds to buy the things you want, or to deal with unexpected expenses, we understand that your financial needs change over time.

So, we’ve made it easy to request a credit limit change to your card whenever you need.

Request a change to your ANZ credit card limit 

Online via Internet Banking:

  • Log on to ANZ Internet Banking and select your credit card account
  • Select Apply for a credit card limit increase or Decrease your credit card limit from Account actions


  • Fill out this online form to apply for a decrease in your credit card limit or to request to close your credit card account

By phone:


Call 13 22 73 (or +61 3 9683 9999 from overseas) between 7am and 11pm (AEST) 7 days a week.


Return a form to us:

Download and complete the Credit Limit Increase Form (PDF 201kB) or Credit Limit Decrease Form (PDF 172kB) and return it to us by any of the methods listed on it



Switching to another ANZ credit card 

We've made it easy for you to request a change to another ANZ credit card that may suit your needs better.


  • Log on to ANZ Internet Banking and select your credit card account
  • Select Change your credit card type from Account actions 

By phone:

Call 13 22 73 (or +61 3 9683 9999 from overseas)

In person:

Visit any ANZ branch



Updating your personal details 

  • Log in to ANZ Internet Banking and select the Profile icon from the header
  • Log into the ANZ App and tap Profile on the bottom navigation bar. Here you can view and update your email address or phone number.
  • Call 13 22 73 (or +61 3 9683 9999 from overseas).
  • Drop into any ANZ branch in Australia



Closing your credit card account 

  • Log on to ANZ Internet Banking and select Contact > Card enquiries > General card enquiries
  • Call 13 22 73 (or +61 3 9683 9999 from overseas).
  • Drop into any ANZ branch in Australia
  • Using the online form on this page



Ordering a replacement card 


  • Log on to ANZ Internet Banking and select your credit card account 
  • Select Order a replacement card from Account actions 

By phone:

  • Call 13 22 73 (or +61 3 9683 9999 from overseas), available 24 hours a day, seven days a week, to order a replacement credit card.



Get a new PIN 

  • Get a new PIN. You can now set your card PIN in the ANZ App when you activate an eligible card. No need to wait for the PIN to be sent in the mail. Choose a PIN that's easy for you to remember, but hard for someone else to guess.
  • You can also request a new PIN by calling ANZ on 13 13 14 and we'll send one to you. 
  • Change your PIN. Whether you’ve forgotten your card PIN or simply want to change it, if you’ve got an eligible card you can update your PIN in the ANZ App whenever it suits you. Choose an account, then tap Manage, then Manage Card and follow the prompts.



Add an additional cardholder 


  • Log on to ANZ Internet Banking and select your credit card account
  • Choose Add an additional cardholder from Account actions


For further assistance call 13 22 73

Please note that there may be an additional cardholder fee. See the ANZ Personal Banking Account Fees and Charges (PDF 112kB) booklet for more information.



Pay your credit card 

There are many convenient ways to make payments:

You should find that these options are better ways to bank. But if you prefer, you can also make payment at an ANZ branch



It's important to keep up repayments 

By law ANZ must share certain credit information as part of Comprehensive Credit Reporting with Australian credit reporting bodies that relate to any personal lending products you have with ANZ; including credit cards, personal loans, home loans and overdrafts. This information now includes your repayment history, including when you make payments on time and when you are late.

It’s now more important than ever to get on top of your money and make your repayments on time. If you do, it will appear favourably on your credit report.

Find out more about Comprehensive Credit Reporting.



Getting a new card once your card expires 

ANZ credit cards are valid until the last date of the month stated in the expiry date. New cards are usually sent out before the 25th day of that month, so they should reach you before the old ones expire.

However, if you haven’t received your new card by the end of the month of expiry, please call us on 13 22 73 to check on the progress.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.