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ANZ CashBack Visa

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

10,000 bonus CashBack Points on a new Cashback Visa card

when you spend at least $1,000 on eligible purchases in the first 3 months


  • Earn CashBack Rewards. Just spend $5,000 or more on eligible purchases1 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.

Cash rewards

How an ANZ CashBack Visa rewards you for using your card

  • 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. 
  • You qualify for a CashBack Reward by spending $5,000 or more on eligible purchases1 during the year. The more you spend on your card (up to $30,000 per year), the more cash you get back.
  • 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.
  • The CashBack Reward is credited to your credit card automatically at the end of your CashBack year.

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.


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.

Learn more

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

Banking with ANZ

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 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.

Ways to apply

Apply online

Apply now

By phone

0800 269 277

Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm

At any branch

Visit a branch

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

Find and compare cards

Need help?

Help and support 

See all help and support articles

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.

10,000 bonus CashBack Points offer: ANZ lending criteria, terms, conditions and fees apply. Offer only available for a limited time on new ANZ CashBack Visa cards, when you spend at least $1,000 on eligible purchases in the first 3 months of having the card. Offer only available once per customer. Offer not available on multiple cards, on transfers from any existing ANZ credit cards, if you have had an ANZ Airpoints credit card or ANZ CashBack credit card within the last 12 months, or in conjunction with other credit card offers or package discounts. If you transfer or cancel your ANZ CashBack Visa Platinum card before points are applied 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 the month after you have spent $1,000. Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers’ cheques), gambling transactions, or business related expenses.

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).

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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Google Pay is a trademark of Google LLC. Terms and conditions apply to Google Pay, see Google Pay for more information.

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Conditions and exceptions apply. For further details, see Visa Zero Liability. 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.

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