ANZ - Transfer your balance

Transfer your outstanding balance from another bank’s credit card to an ANZ credit card and:

save money by transferring to a card with a lower interest rate
save time with one bill
manage your debt by consolidating it to one card.

You can transfer an outstanding balance from another bank's credit card to an ANZ credit card at 2.99% p.a. for six months on the amount transferred. After six months standard interest rates will apply.

We also accept balance transfers from American Express, GE Creditline, The Warehouse Financial Services credit and store cards, Q Card, Farmers Card and most other store cards.

How to transfer

If you do not have an ANZ credit card - decide which ANZ credit card is best for you

If you need more information, take a look at our credit card range.

Apply for your new credit card.

Apply online

Call 0800 ANZ CARDS (0800 269 277) 8am to 8pm, Monday to Friday and 9am to 4pm Saturday

Download an application form (PDF 240kB)

In your application, remember to choose the "transfer your credit card balances" option.

If you've already got an ANZ credit card, complete the balance transfer form.

Download a balance transfer form (PDF 89kB)

Cancel your old credit card.

Remember to allow enough time for any direct debits to transfer to your new ANZ credit card before you cancel your old credit card account.

Before applying for an ANZ credit card balance transfer, please read the terms and conditions:

Balance transfer terms and conditions
ANZ cannot accept a balance transfer: from other ANZ/National Bank credit card accounts from credit cards issued outside of New Zealand if the balance on your ANZ card has reached or exceeded 95% of the available credit limit balance if you are in default on any existing ANZ credit card account if the other non-ANZ account named in your application is in default at the time the application is received. You cannot transfer amounts less than $100. You must continue to make payments to the non-ANZ account while the balance transfer application is being processed and toward any remaining balance once the transfer is complete. (Payments to your non-ANZ account will be completed within three working days from the time we receive the request). ANZ will not be liable for any overdue payment or interest incurred on the non-ANZ credit card. ANZ will not close the non-ANZ credit card account. If you wish to close the account, you will need to contact the card issuer and arrange closure. Balance transfer can be conducted on up to 95% of the available credit card limit on your ANZ credit card. This ensures there is a buffer left on the card to cover any charges such as fees or interest that could be charged subsequently. Otherwise you may incur an "over-limit" fee. Interest applies to the amount of the balance transfer from the date ANZ processes the transfer request. There is no interest-free period on balance transfers. Payments to your ANZ credit card will be applied to your balance transfer amounts prior to cash advances and purchases.

Balance transfer terms and conditions

ANZ cannot accept a balance transfer:
- from other ANZ/National Bank credit card accounts
- from credit cards issued outside of New Zealand
- if the balance on your ANZ card has reached or exceeded 95% of the available credit limit balance
- if you are in default on any existing ANZ credit card account
- if the other non-ANZ account named in your application is in default at the time the application is received.
You cannot transfer amounts less than $100.
You must continue to make payments to the non-ANZ account while the balance transfer application is being processed and toward any remaining balance once the transfer is complete. (Payments to your non-ANZ account will be completed within three working days from the time we receive the request). ANZ will not be liable for any overdue payment or interest incurred on the non-ANZ credit card.
ANZ will not close the non-ANZ credit card account. If you wish to close the account, you will need to contact the card issuer and arrange closure.
Balance transfer can be conducted on up to 95% of the available credit card limit on your ANZ credit card. This ensures there is a buffer left on the card to cover any charges such as fees or interest that could be charged subsequently. Otherwise you may incur an "over-limit" fee.
Interest applies to the amount of the balance transfer from the date ANZ processes the transfer request. There is no interest-free period on balance transfers.
Payments to your ANZ credit card will be applied to your balance transfer amounts prior to cash advances and purchases.

Frequently asked questions

What is a service provider?
Service providers are businesses that you register with for a particular service, eg. A phone company, an insurance company or gym.

Can I close my other credit card through ANZ?
No - you need to contact your previous financial institution to do this. Remember to check that all direct credits or debits have been redirected to you new account before you close your old one.

What’s a direct debit?
A direct debit is a payment from your bank account, arranged (with your permission) by the organisation receiving the payment.

What’s a direct credit?
A direct credit is a payment to your bank account, arranged (with your permission) by the organisation or person sending you the payment.

What should I do if my regular payments haven’t been redirected correctly?
Contact the relevant service provider and ask them to fix the situation.

How do I register for Phone or Internet Banking?
Call us or visit any ANZ branch.

More information

For more information on transferring your balance:

Call 0800 658 044 (international +64 9 522 3010) 24 hours a day, seven days a week

Enquire online

Visit your nearest ANZ branch

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Transfer your balance

Credit & prepaid cards

How to transfer

Frequently asked questions

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