It’s easy to join ANZ
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
Benefits
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.
Convenience
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 & Google Pay
You can use this card to pay with your compatible Apple Paydisclaimer or Google Pay™disclaimer 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.
Security
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 >
Banking with us
Pay with your phone
Pay using your compatible device with Apple Paydisclaimer or Google Pay™disclaimer(for personal ANZ Visa credit and ANZ Visa Debit cards only) anywhere you can tap and pay.
Payment convenience
Easy to manage and make payments to your credit card via ANZ Internet Banking, ANZ 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
By phone
0800 269 277
Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm
If you don't currently bank with ANZ, you'll need to provide:
Valid proof of identification
See examples of acceptable forms of identification (PDF 28kB)
Mail that has been addressed to your residental address (within the last three months).
Find and compare ANZ credit cards
You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.
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. An ANZ Authorised Financial Adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008. 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.
Bonus points offer: Offer only available for a limited time on new ANZ CashBack Visa cards when you spend at least $1000 on eligible purchases by 31 January 2019. Only available once per customer. Offer not available on multiple cards, on transfers from any existing ANZ credit card, if you have had an ANZ Airpoints credit card or ANZ CashBack credit card within the last 6 months, or if in conjunction with other credit card offers or package discounts. If you transfer or cancel your ANZ Cashback Visa card before redeeming or becoming eligible for these bonus points, you will become ineligible for this benefit. The bonus CashBack Points will be added to your CashBack card account in February 2019. Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions, or business related expenditure.
For more important information, including terms and conditions for ANZ CashBack Rewards, please see the ANZ CashBack Guide (PDF 176kB).
Back to topEligible purchases do not include cash advances, balance transfers and the purchase of cash substitutes (such as travellers cheques), gambling transactions, or business related expenditure.
Back to topTerms and conditions apply to Apple Pay, see anz.co.nz/applepay for more information.
Back to topGoogle Pay is a trademark of Google LLC. Terms and conditions apply to Google Pay, see Google Pay for more information.
Back to topConditions and exceptions apply. For further details, see Visa Zero Liability and the ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use (PDF 132kB). Visa's Zero Liability policy covers ANZ Bank New Zealand Limited issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions.
Back to top