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Credit card education

Credit cards come with some big responsibilities and it's a smart idea to wrap your head around how they work.


Understanding interest-free days

No one likes paying interest. If you have a credit card with interest-free days, and you pay off your balance in full each month, you could avoid paying interest on purchases made with your card.

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Know your limit: Does your credit card limit match your budget?

Most of us don’t give a lot of thought to our credit card limit. Choosing the right credit limit can help you save money on interest costs, get rid of credit card debt and keep your finances on track.

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Cash Advances – and why you should avoid them

Using your credit card for a cash advance can be a very expensive way to get your hands on some cash. We’ll explain what a cash advance is, what it means for you, and how to avoid making them.

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Staying on top of your credit card transactions

Rather than just looking at the balance and filing away your statement, it’s a good idea to take a few moments to check through your transactions.

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Seven hacks to help with your credit card

Paying off your credit card can seem like a big ask. But often, all you need is a plan. Check out these seven simple hacks to help you deal to your debt.

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Is a credit card right for you?

Credit cards can have a number of advantages if they’re used wisely. It’s a good idea to look at the pros and cons to see if they’re right for you.

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Understanding your credit card statement

To get the best from your credit card, it’s important that you understand your statement and stay on top of your credit card payments.

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Tips to minimise credit card interest

Paying your full credit card balance each month can help minimise the amount of interest you pay.

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Paying a credit card bill

It’s important to pay your credit card bill on time. This article explains how you can do this, and stay on top of your payments.

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Additional cardholders: What happens when someone passes away

No one likes to think about a loved one passing away - but it’s a good idea to be prepared. 

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Help and support 

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Information in this article refers to personal credit cards, is general in nature only and does not take into account your personal objectives, financial situation or needs.The information may not reflect how interest and charges are calculated under your credit card conditions of use.

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see

The information is current as at August 2020 and may be subject to change. ANZ recommends you review your personal credit card conditions of use for information about the terms that apply to you.

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