All ANZ debit and credit cards offer contactless payment technology - so paying for your everyday purchases is quick, secure and convenient.

Pay for purchases using contactless - simply tap your card on the terminal when instructed. You can also pay using your ANZ Visa Debit or personal ANZ Visa credit card and using your compatible device with Apple Pay* or ANZ goMoney Wallet**.

For purchases over NZ$80 you will need to enter your PIN.

Make contactless payments at thousands of locations worldwide 

You can use your ANZ credit or debit card to make contactless payments at thousands of contactless terminals around the world – just look out for the Contactless symbol, and the MasterCard PayPass or Visa Paywave symbol.

MasterCard contactless
Visa paywave

Safe and secure

Contactless payments use the same secure, reliable payment network as chip card transactions made with your ANZ credit and debit cards. Your information is kept safe using leading-edge security features and you’re protected against fraudulent transactions by ANZ’s Zero Liability

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You can make contactless payments with ANZ credit or debit cards with confidence:

  • Your information is encrypted before it’s sent from your card or phone to the contactless terminal, to ensure it can't be obtained by an unauthorised card reader
  • You can't ‘accidentally’ make a payment just by walking past a contactless terminal or have payment taken twice – your card or phone has to be held close to the terminal for longer than half a second, the retailer must enter the amount first, and each transaction has to be complete before another can be made
  • Your card or phone never leaves your hand, so you’re always in control
  • Larger purchases (over NZ$80) still require a PIN
  • Our sophisticated fraud monitoring system monitors your accounts and if it identifies unusual activity, we’ll block your card and contact you to make sure it’s really you making the transaction.

You’ll also be covered by MasterCard and Visa's Zero Liability# protection should fraudulent transactions occur, provided you haven’t contributed to the loss in any way and you notify us that your card has been lost or stolen within a reasonable time.

What is ANZ Contactless?

ANZ Contactless is a new, contactless way to pay that securely transmits purchase information via a computer chip and tiny antenna embedded in your card.

What are the benefits of ANZ Contactless?

How do I know if a retailer accepts ANZ Contactless?

How close does my card need to be to the reader?

Is there a limit on the value of goods I can purchase using ANZ Contactless?

Are there any fees for using ANZ Contactless?

Will I receive a receipt for my ANZ Contactless transactions?

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How do I know when a payment has been made?

Could I unknowingly make a purchase as I walk past the reader?

How do I know that my ANZ Contactless transaction is secure?

Can I use my card at retailers that accept MasterCard or Visa but don't have MasterCard PayPass or Visa Paywave terminals?

Do I need to select credit, savings, or cheque when I pay using ANZ Contactless?

Can I insert or swipe my card for transactions under $80?

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Can I use ANZ Contactless for transactions overseas?

How will ANZ Contactless transactions display on my statement?

*Apple, the Apple logo, iPhone, Apple Watch and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Terms and Conditions apply for Apple Pay. See for more information.

**ANZ goMoney Wallet eligibility criteria and terms and conditions apply. ANZ goMoney Wallet is available for use on selected Android phones. See for more information.

# Conditions and exceptions apply. For further details, see Visa Zero Liability (link to and the ANZ Credit Card Conditions of Use.

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