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ANZ CashBack Visa

$0 annual card fee for the first year

 See important information for more details on this offer >

Apply now View rates and fees

 It only takes 10-15 minutes

The credit card that rewards you with cash

Up to 1%
cash back on eligible purchasesdisclaimer (on eligible spend up to $30,000, minimum spend of $5,000 to qualify)

$60 p.a.
annual fee

interest rate on purchases


Earn CashBack Rewards
Just spend $5,000 or more on eligible purchasesdisclaimer during the year to qualify.

Great for everyday use
Use your card for your everyday purchases – the more you spend on your card (up to $30,000 per year), the more cash you get back.

Choose your own rewards
Use your CashBack Rewards to spend on anything you like.

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.

Contactless payments
Simply tap your card on the terminal when instructed.  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.

Apple Pay & goMoney Wallet
You can use this card to pay with your compatible Apple Paydisclaimer or goMoney Walletdisclaimer phone.

How an ANZ CashBack Visa rewards you for using your card

  • You qualify for a CashBack Reward by spending $5,000 or more on eligible purchasesdisclaimer during the 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.
  • 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.
  • 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.


Visa Zero Liability

Visa’s Zero Liabilitydisclaimer 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.

Fraud monitoring

ANZ’s fraud monitoring system helps to identify suspicious purchasing activity on your card 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.

Lost or stolen cards

If you have lost your credit card, you can cancel your card and order a replacement one if required in ANZ Internet Banking or goMoney (under 'Manage Cards') or by calling us. Find out more about lost and stolen cards >

Rates and fees


Interest rate on purchases

Interest rate on cash advances

Interest free days on purchases

Up to 55 days


Annual fee

$60 p.a. (charged in full once per year)

Joint or additional card

$10 p.a.

Banking with us

Pay with your phone

Pay using your compatible device with Apple Paydisclaimer or goMoney Walletdisclaimer disclaimer (for personal ANZ Visa credit cards and ANZ Visa Debit cards only) anywhere you can tap and pay. For purchases over NZ$80 you may need to enter your card PIN.

Payment convenience

Easy to manage and make payments to your credit card via ANZ Internet BankingANZ goMoney, at ATMs, over the phone or at any ANZ branch – it’s your choice.

Manage your card online

Temporarily block your card, manage your card PIN and report and replace lost or stolen cards with ANZ Card Manager.

Easy ways to apply

Apply online

Apply now

By phone

Weekdays, 8am - 8.30pm

Weekends, 9am - 5pm

0800 269 277

At any branch

Find a branch

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

Mail that has been addressed to your residential address (within the last three months).

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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.

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.

No annual card fee offer: After 12 months the standard annual fee will apply (currently $60). Offer available for all new ANZ CashBack Visa cards. Transfers from existing ANZ credit cards will not be eligible for this offer. Offer only available once per customer (not available on multiple cards). Offer not available in conjunction with other credit card offers or package discounts.

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

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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.

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

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

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

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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.

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