An ANZ Visa Debit card is like an Eftpos card, only better.

Key features

  • Use it anywhere Visa is accepted (online, over the phone, overseas and in stores), using money from your everyday or savings account.
  • Enjoy the convenience of ANZ Contactless functionality.
  • Design your own card with MyPhoto card.
  • Access to exclusive offers and experiences with Visa Entertainment.


Visa Debit





Standard fees*

Annual card fee

$10 p.a. (no charge when linked to an ANZ Freedom account).

MyPhoto card fee


Non-standard fees*

Replacement card fee


Urgent card delivery fee in New Zealand

Courier service fee

Overseas card delivery

Courier service fee

Optional service fees*

Other bank ATM fee

$1 (applies to each cash advance made at ASB, BNZ, HSBC, TSB, Kiwibank and Westpac ATMs in addition to normal transactions fees).

Overseas ATM fee


Currency conversion charge

2.5% of the NZD amount (applies to foreign currency transactions).

Dispute handling fee



  • All Visa Debit cards also have a chip to keep your card details more secure from fraud and theft.
  • Visa’s Zero Liability** protection means you won’t be liable for unauthorised transactions; provided you haven’t contributed to the loss in any way or fail to notify us that your card has been lost or stolen within a reasonable time.

Contactless transactions

  • ANZ Contactless payment technology allows you to make Contactless transactions anywhere you see a contactless terminal.
  • For Contactless transactions under NZ$80 simply tap or wave your card on the contactless terminal, no PIN is required.
  • Contactless transactions over NZ$80 will require you to enter your PIN.
  • If the shop doesn’t have a contactless terminal you can insert or swipe your card and select CHQ or SAV as you usually would. You can also choose to use this option even if there is a contactless terminal available.
  • Transaction limits and rules may differ overseas.
  • Even without having to sign or enter a PIN, Contactless transactions are still as secure as all other payment methods using your ANZ credit and debit cards. That’s because it uses secure encryption technology and the same, reliable payment network as regular card transactions – making it just as secure. In addition:
    • you’re in control – your card never leaves your hand to make a payment
    • there are no accidental payments – your card must be extremely close to the reader at checkout to work
    • you will not be billed twice - even if you tap more than once at the checkout, you’ll only get billed once for your purchase.

Daily withdrawal limits

  • Daily card withdrawal limit of up to NZ$2,000 from ATMs and up to NZ$5,000 for Eftpos, internet, phone or mail transactions in New Zealand.
  • Other transaction limits may apply for overseas transactions.


To apply for an ANZ Visa Debit card you must have an eligible ANZ everyday or savings account and be at least 16 years of age.


How to apply

For more information or to apply for an ANZ Visa Debit card:

For existing ANZ customers

Call Us
Call 0800 269 296
Visit an ANZ branch
Find your nearest ANZ branch

If you’re new to ANZ

Apply Online
Open an account online
Keep your money running smoothly by opening an account online today
Visit an ANZ branch
Find your nearest ANZ branch

*Fees are subject to change. For more information about our fees please refer to the Fees and Charges brochure (PDF 132kB)

**For further details, see Visa Zero Liability

^Must be 16 years or over to apply for an ANZ Debit card.

A copy of our Reserve Bank Disclosure Statement is available on this website or on request from any ANZ branch, free of charge. This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on  0800 269 296