Transfer your balance
What is a balance transfer?
A balance transfer involves moving the outstanding balance from your non-ANZ credit or store card account to an ANZ credit card. You can choose to transfer the balance of your credit or store card balance to ANZ and pay just 1.99% p.a. for 12 months* on that balance.
Transferring your balance to a card with a lower interest rate such as the ANZ Low Rate Visa can help you save on interest.
Calculate how much you can save in interest by transferring your balance to ANZ
All you need to do is let us know how much you owe on your existing credit card and what interest rate you’re currently paying.
Balance Transfer calculator
By transferring your balance to an ANZ Low Rate Visa, you could save:
How does a balance transfer work?
How to apply
Transfer your balance today
Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm
0800 269 277
At any branch
- Valid proof of identification - see examples of acceptable forms of identification (PDF 28kB)
- Mail that has been addressed to your residential address (within the last three months)
After you've applied and been approved for your new ANZ credit card:
- We’ll open your new card and transfer your balance
- You'll receive a special interest rate on your transferred balance for 12 months
- You can then use your new card as normal and close your old card
Find and compare ANZ credit cards
Lending criteria, terms, conditions and fees apply. See Rates, fees and agreements for more information. Interest rates are subject to change.
*Offer available for a limited time. Balance transfers can be made from non-ANZ Visa and MasterCard, American Express, GE CreditLine, Q Card and Farmers Card. Full details are contained in the ANZ Credit Card Conditions of Use available from anz.co.nz or any branch. After 12 months our standard purchase interest rate will apply to any remaining balance transfer amount. Standard interest rates for ANZ Low Rate Visa (currently 13.90% p.a. on purchases and 22.95% p.a. on cash advances) apply to new transactions and repayments will generally be applied to balance transfer amounts before new purchases.
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.