This is the period to which your statement of account relates. The actual number of days in a Statement Period varies, depending on the length of the month, when your account was opened and when business days occur.
You only have one Account Number, but you may have multiple card numbers on the one account. Even if you have a few different card numbers (such as different numbers for additional cardholders), you’ll be able to see transaction details for all the cards on your account statement.
Available Credit at Statement Date
This amount is the remaining amount you can spend on your credit card account as at the end of the Statement Date shown on your statement. This amount may not include transactions that are in the process of being posted to your credit card account.
You can check your available credit limit online with ANZ Internet Banking or the ANZ App.
This is your outstanding balance at the beginning of the Statement Period shown on your statement.
This is the amount of interest charged to your credit card in Statement Period shown on your statement.
This is the outstanding balance on the credit card account as at the end of the Statement Period, including outstanding Instalment Plan and Buy Now Pay Later Plan balances (if any).
If your credit card account has interest free periods on purchases, you can avoid paying interest on the purchases balance by always paying the full Closing Balance (or if applicable, the 'Adjusted Closing Balance') shown on each statement of account by the applicable Due Date.
Adjusted Closing Balance
The Adjusted Closing Balance is the Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan.
View the current rates for our ANZ credit cards. You can use your credit card account for purchase, cash advances and balance transfers. These transactions may attract different interest rates.
Please refer to the ANZ Credit Cards Conditions of Use (PDF 428kB) for a definition of each of these different transaction types.
‘Date Processed’ is the date the transaction was processed to your account. This may be different to the Transaction Date due to merchant processing delays, weekends or public holidays.
‘Date of Transaction’ is the date when the transaction was made, which should match your receipt.
‘Card Used’ helps you identify which card was used for a transaction. If you have additional cardholders each card number will be itemised separately. To check which card was used, match the card used to the last 4 digits on the plastic card.
‘Transaction Details’ explains the transaction. It could be the shop, business or company name of the Merchant/Retailer, whether it was a payment, cash advance or fees and charges for the statement period.