ANZ CashBack Visa

person with a bag of money

Earn cash rewards on your credit card spend

credit card

Use your rewards to spend 
on anything you like

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Great if you use your credit card for all your everyday purchases

At a glance

Up to 1% cash back

Earn up to 1% cash back on eligible purchases*
(on eligible spend up to $30,000, minimum spend of $5,000 to qualify)

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Interest rate on purchases

$60 p.a.

Annual fee


CashBack Rewards


Rewards you with cash to spend on anything you like


You qualify for a CashBack Reward by spending $5,000 or more on eligible purchases* during the CashBack year


The more you spend on your card (up to $30,000 per year), the more cash you get back


Spend between $5,000 and $9,999 and get 0.5% cash back – e.g. spend $9,000, get $45


Spend between $10,000 and $30,000 and get 1.0% cash back – e.g. spend $30,000, get $300
Cash advances and the purchase of cash substitutes (e.g. travellers' cheques), gambling transactions and business related expenditure will not qualify as eligible purchases for a CashBack Reward


Your CashBack year runs for a 12 month period from the date of the first purchase transaction. 


The CashBack reward is credited to your credit card automatically at the end of your CashBack year



Make your life easier by setting up regular payments from your ANZ CashBack Visa for things like your phone and power bill or your gym membership


Easy to manage and pay via ANZ Internet Banking, ANZ goMoney, at ATMs, over the phone or at any ANZ branch – it’s your choice


Enjoy contactless payments - simply tap your card on the terminal when instructed. You can also pay using your compatible device with Apple Pay1 or goMoney Wallet2 (for personal ANZ Visa credit cards only) anywhere you can tap and pay. For purchases over NZ$80 you will need to enter your card PIN. As the card never leaves your hands, it’s the quick and secure way to pay for purchases



Visa’s Zero Liability policy means you’re not liable for unauthorised transactions on your card, provided you haven’t contributed to the loss in any way and you notify us within a reasonable time if your card is lost or stolen#


ANZ’s fraud monitoring system identifies unusual purchasing activity on your account. If we suspect fraudulent activity, we’ll try to contact you to confirm the transaction. If we can’t contact you, we’ll make a decision on whether we need to block your account until we can reach you

Rates and fees

Interest rate on purchases Interest rate on cash advances Interest free days on purchases Annual fee Joint or additional card
loading product data(View current rates) loading product data(View current rates) Up to 55 days $60 p.a. (charged in full once a year) $10 p.a.
More about credit card rates, fees and agreements.

Easy ways to apply


Apply online

Apply now


By phone

Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm
0800 269 277

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At any branch

Find a branch

If you don't currently bank with ANZ, you'll need to provide:

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important info iconImportant information

Interest rates are subject to change. Lending criteria, terms, conditions and fees apply to all ANZ credit cards. See Rates, fees and agreements for more information.

For more important information, including terms and conditions for ANZ CashBack Rewards, please see the ANZ CashBack Guide (PDF 176kB).

*Lending criteria, terms, conditions and fees apply. The ‘pay no annual card fee for one year offer’ is available for a limited time. After 12 months the standard annual fee will apply. Offer available for all new ANZ credit cards.  Transfers from existing ANZ credit cards will not be eligible for this offer. Offer is only available once per customer (not available on multiple cards). Offer not available in conjunction with other credit card offers or package discounts. Personal ANZ Visa credit cards can be used in mobile wallets on compatible devices. Terms, conditions and eligibility criteria apply to the use of mobile wallets, see our Electronic Banking Conditions at for more information. ANZ Bank New Zealand Limited.

* Eligible purchases do not include cash advances, balance transfers and the purchase of cash substitutes (such as travellers cheques), gambling transactions, or business related expenditure.

1. Terms and conditions apply to Apple Pay, see for more information.

2. Android™ and Google Play are registered trademarks of Google Inc. ANZ goMoney Wallet eligibility criteria, terms and conditions apply. See for more information.

# Conditions and exceptions apply. For further details, see Visa Zero Liability and the ANZ credit card Conditions of Use.

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.


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