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Credit card rates, fees and terms

Interest rates, fees and charges

Found a credit card that works best for you? Great! First, it’s important that you understand what you’re getting. Along with the features and benefits the card provides, you should also understand the interest rates, fees and terms and conditions that apply.

For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges and the ANZ Personal Banking General Fees and Charges booklets.

Total annual fee

 

Terms and Conditions

It’s important that you understand your new credit card’s interest rates, fees and terms and conditions. Below is a list of terms and conditions that should be reviewed and understood when applying for a new credit card or using an existing credit card.

 

ANZ Credit Cards Conditions Of Use (PDF 584kB)

Conditions Of Use for ANZ credit cards apply to all consumer credit cards in ANZ’s range.

 

ANZ Personal Banking Account Fees and Charges (PDF 112kB)

Information about credit card account fees.

 

ANZ Rewards – Rewards Program Terms and Conditions (PDF 87kB)

Earning and claiming Reward Points.

 

Premium Cards – Insurances, Insurance Policy Information Booklet (PDF 276 kB)

Learn about the insurance features offered for our ANZ Platinum, ANZ Rewards Platinum, ANZ Rewards Black, ANZ Rewards Travel Adventures, ANZ Frequent Flyer Platinum and ANZ Frequent Flyer Black credit cards.

ANZ Personal Banking General Fees and Charges (PDF 116kB)

General fees and charges for ANZ Personal Banking.

 

ANZ Frequent Flyer Rewards Terms and Conditions (PDF 461kB)

Earning and claiming Qantas Points.

 

ANZ Credit Cards Insurance Features Brochure for ANZ First (PDF 156kB)

Learn about the insurance features offered for ANZ First credit card.

 

Air Travel Benefits Terms and Conditions (PDF 56k)

Terms and Conditions for the complimentary return flight flight and lounge passes associated with ANZ Rewards Travel Adventures credit card.

ANZ Financial Services Guide (PDF 76kB)

This guide is designed to assist you in deciding whether to use any of the services offered by ANZ by providing you with an understanding of what to expect from your interactions with ANZ.

 

ANZ Visa PAYCARD - Conditions of Use (PDF 247kB)

Conditions of use for ANZ Visa PAYCARD and ANZ Rewards Visa PAYCARD.

 

ANZ Credit Guide

This Credit Guide is designed to help you in deciding whether to enter into a credit contract with Australia and New Zealand Banking Group Limited (ANZ).

Forms and brochures

Forms that can make managing your credit card faster, easier and more efficient.

See all forms and brochures


For details on which transactions are purchases, cash advances or standard balance transfers for the purposes of charging interest please see the ANZ Credit Card Conditions of Use (584kB).

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The standard variable annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers for ANZ Low Rate,  on purchases,  on cash advances and  on standard balance transfers for ANZ First,  on purchases,  on cash advances and   on standard balance transfers for ANZ Platinum,  on purchases,  on cash advances and  on standard balance transfers for ANZ Frequent Flyer,  on purchases,  on cash advances and  on standard balance transfers for ANZ Frequent Flyer Platinum,  on purchases,  on cash advances and  on standard balance transfers for ANZ Frequent Flyer Black,  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards,  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards Platinum and  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards Black,  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards Travel Adventures. These rates are current as at  and are subject to change.

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The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the first year. In each subsequent year, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. Eligible Purchases must be made in the year prior to your next Fee Date. Your Fee Date is the date that your account is assessed for charging an Annual Fee. If your account has not previously been charged an Annual Fee then for the purpose of determining your eligibility for the waiver, your Fee Date is the first date that your account is assessed for charging an Annual Fee. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of Eligible Purchases in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change. 

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The ANZ First Annual Account Fee (“Annual Fee”) will be waived for the first year for students studying full time at an eligible Australian educational institution. After the first year for ANZ First, an Annual Fee of $30 applies. This fee is current as at 13 January 2015 and is subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account. ANZ reserves the right to withdraw this offer at any time.

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For ANZ Rewards, a Total Annual Fee of $80 applies which includes a $25 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum, a Total Annual Fee of $95 applies, which includes a $40 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a Total Annual Fee of $375 applies, which includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Travel Adventures, a Total Annual Fee of $225 applies, which includes a $170 Annual Account Fee and a $55 Rewards Program Service Fee. For additional cardholders on ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black and ANZ Rewards Travel Adventures, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only.

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For ANZ Frequent Flyer, a Total Annual Fee of $95 applies which includes a $40 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Platinum, a Total Annual Fee of $295 applies which includes a $240 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a Total Annual Fee of $425 applies which includes a $370 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders on an ANZ Frequent Flyer, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

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