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Reading your credit card statement

We've updated our statements to help you quickly find the information you need


Key areas of your statement

1  Account summary

This is an overview of your account from the opening balance, through all of the transactions for the period, to the closing balance. For specific transaction details you can refer to the second page of your statement.

If your credit card account has an interest free period on purchases, you can avoid paying interest on the purchases balance by paying the full Closing Balance (or if applicable, your 'Adjusted Closing Balance') by the Due Date shown on your statement.

If you have an ANZ Frequent Flyer card you’ll be able to see how many Frequent Flyer Points you’ve earned during this Statement Period.

If you have an ANZ Rewards account, you can view your points balance online at, and logging in to your account.


2  Payment summary

This area highlights the Due Date, when your Minimum Monthly Payment should be received by ANZ. You might need to make the payment before this date to allow enough time for it to reach us. Of course, you can also make additional payments at any time.

Overlimit: this is the amount your Closing Balance exceeds your credit limit by.

Overdue: if you do not make a Minimum Monthly Payment by the Due Date in your previous statement, this is considered overdue. The Overlimit/Overdue balance will reflect any balance that is still overdue on the date of the statement.

Any Overlimit or Overdue balance is separate from the Minimum Monthly Payment and needs to be paid immediately. You should ensure that you make payments on time to help avoid any late fees that might apply. The Minimum Monthly Payment is also required by the due date.


3  Minimum Repayment Warning

If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off your balance. The information in the warning is there to help you see how paying more than the Minimum Monthly Payment each month could help you pay off the Closing Balance more quickly.

You can make your own calculations using the MoneySmart credit card calculator to suit your own specific needs.

Also, you could use the information in the warning as a guide to:

  1. Set a goal and commit to paying off more than the required Minimum Monthly Payment.
  2. Set up recurring payments equal to or higher than the Minimum Monthly Payment to take out the hassle of when and how much to pay.

ANZ provides two convenient ways to help you automatically pay your credit card monthly:

  1. Set up future recurring payments through ANZ Internet Banking if paying from another ANZ account or
  2. Use CardPay Direct (PDF 81kB) to set up recurring payments from an ANZ or non-ANZ account.

But make sure to check your statement if you make further transactions, as this may increase your Minimum Monthly Payment if the transactions you make in a given month increase your Closing Balance.

4 Transaction and reward details

When you need to look closer at each transaction, you'll find all the information for this account statement period from the second page of the statement.

You can find out:

  • What date a transaction was made
  • Which card was used if you've added additional cardholders to your account
  • Details of the specific transaction. Please note that some businesses might have a different trading name to the billing name that appears on your statement

If you see a transaction that you don't believe is accurate, you can find out more about how to dispute a transactiondisclaimer.

Additional information on your statement

Statement Period

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.

Account Number

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.

Opening Balance

This is your outstanding balance at the beginning of the Statement Period shown on your statement.

Interest Charges

This is the amount of interest charged to your credit card in Statement Period shown on your statement.

Closing Balance

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.

Interest Rates

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.

Transaction Details

‘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.

Ways to pay your credit card

There are several convenient ways to do this:



You can make payments to your credit card account using BPAY. Just follow the prompts and enter Biller Code 6007 followed by your 16-digit ANZ Account Number as your bill reference number.

Note: If you are making a payment using BPAY from an ANZ account, ANZ’s cut off time is 6pm Sydney time, Monday-Friday excluding national public holidays. Payments made outside this time will be credited the following ANZ business day. If payment is made from non-ANZ accounts to an ANZ credit card account you should check with your financial institution for their BPAY cut off times.

ANZ Internet Banking

You can make a transfer from a linked ANZ transaction account (not a credit card) through ANZ Internet Banking.

Note: Cut off time is generally 10pm Melbourne time Monday-Friday excluding non-ANZ business days (for example Melbourne Public Holidays). Payments made after this time will be credited as at the following ANZ business day.

ANZ Phone Banking

You can make a transfer from a linked ANZ transaction account (not a credit card) through ANZ Phone Banking 13 22 73, just follow the prompts.

Note: Cut off time is generally 10pm Melbourne time Monday-Friday excluding non-ANZ business days (for example Melbourne Public Holidays). Payments made after this time will be credited as at the following ANZ business day.

By mail

Mail your completed Payment slip and cheque (no notes or coins accepted) to:

Melbourne VIC

Note: You should allow a suitable amount of time for the mail to reach ANZ. Payments made by cheque may not be available until 3 working days after we receive our payment, being the general time for funds to clear.

Please note, if you are making a payment on the Due Date and miss the cut off times listed above, or make the payment after the Due Date, you may incur fees (e.g. you may be charged a Late Payment Fee, lose interest free period on your account and incur interest).

Want to access your money on the go?

Get on top of your money with the ANZ App.

Simply log on with Touch ID or a four-digit PIN and start banking when you're on the go.disclaimer


Find out more

Set up online statements

Still getting paper statements? Online statements are secure, convenient and available 24/7.

Switch off paper now. Log on to ANZ Internet Banking and click on the profile tab to change your statement preferences to online.

Log on to ANZ Internet Banking

The information in this statement is given for illustrative purposes only and may not reflect how charges are calculated under your credit card contract.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

Time limits apply, so it’s important you contact us as soon as you can.


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 Labels 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.