skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus
Find ANZ Contact
Find ANZ Contact

Gambling guidelines

We’ve changed the way we treat gambling transactions on personal ANZ credit cards to help minimise potential customer harm from gambling when using a credit card.

 

In accordance with clause 8.2 of the ANZ Credit Cards Conditions of Use, transactions which ANZ identifies as being for gambling or gaming purposes can be declined on your personal ANZ credit card if at the time when you attempt to transact:

  1. You have used 85% or more of your credit limit, OR
  2. The identified transaction, if processed, would take your balance to 85% or more of your credit limit.

Not what you're looking for?

Example 1

Sam has a limit of $5,000 on her credit card. She has spent $4,250 on purchases including groceries, flights, lottery tickets and petrol. She tries to place a $10 bet on a horse race using her personal ANZ credit card. This gambling transaction is declined because she’s already reached 85% of her credit limit. Sam will need to pay off some of her credit card balance before she can make another gambling transaction on her credit card.

Example 2

John has a limit of $5,000 on his credit card. He has spent $4,200 on purchases including clothes, bills, concert tickets and online betting. He tries to place a $100 bet at a casino using his personal ANZ credit card. This gambling transaction is declined because while he has only spent 84% of his credit limit, this bet will take his balance to 86% of his credit limit. John will need to reduce the amount of his bet or pay off some of his credit card balance before he can make another gambling transaction on his credit card.

For more information, please review the frequently asked questions (FAQs) below or call us on 13 22 73 (or +61 3 9683 9999 if overseas). These guidelines are subject to change in accordance with the ANZ Credit Cards Conditions of Use.

FAQs

Gambling transactions

A gambling transaction is any transaction identified by us as being for gambling or gaming purposes. This can include, for example, transactions for lottery tickets, online casinos, sports betting or playing the pokies.

We identify transactions based on information provided by the merchant and their bank, such as the type of business they are. Because we rely on external data to identify gambling or gaming transactions, it’s possible that a transaction will be identified as being for gambling and gaming purposes when it’s not and vice versa.

For example, this may happen when you buy a newspaper from a news agency that has been set up by their bank as a gambling or gaming merchant because they also sell lottery tickets.

While we understand that many of our customers pay their balance in full each month, these guidelines will help minimise potential customer harm from gambling when using a credit card. These guidelines are designed to help our customers keep a buffer for essential purchases (such as groceries and bills) if gambling use is harmful or becomes harmful in the future.

No, because they are not credit card transactions.

Yes, any transaction identified by ANZ as being for gambling or gaming purposes is included in these guidelines.

Which cards do these guidelines apply to?

Yes, it applies to all ANZ personal credit cards governed by the ANZ Credit Cards Conditions of Use.

No, these guidelines do not apply to ANZ debit cards.

Your credit limit

You can view your current balance and credit limit in ANZ Internet Banking, the ANZ App, in Branch, or call us on 13 22 73 ( +61 3 9683 9999 if overseas). However, please note there may be some transactions which are not processed to your account immediately.

Then you need to divide your current balance by your credit limit and multiply the result by 100 to work out the percentage of your credit limit that you’ve used.

E.g. $1,000 (current balance) / $5,000 (credit limit) X 100 = 20% of limit used.

You can view your credit limit on your statement and on the ‘Statements’ tab in ANZ Internet Banking and the ANZ App.

Notifications

If your gambling transaction is declined, you’ll see a general declined message at the point of sale.

General

Yes, these guidelines apply to the primary and all additional cardholders.

No, these guidelines apply to all personal ANZ credit card accounts.

If you feel you need help or wish to speak to an independent person about your situation, please call Gambling Help Line on 1800 858 858 or visit https://www.gamblinghelponline.org.au

Contact