One of the benefits of using a card (either debit or credit) rather than cash for your transactions is that each month, you’ll have access to a statement which records all your transactions for that month. For credit cards, you can also easily see your outstanding balance.
A handy tip to help you budget
If you use your credit card for everyday spending, you can use your credit card statement to help you track your spending against your budget. For example, try highlighting different categories of spending (such as food, entertainment, utilities etc.), then add up each category to compare your actual spending with what you’ve budgeted for. It’s a great way to see if you need to adjust your spending or adjust your budget.
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 anz.co.nz/fapdisclosure
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 and fees are subject to change.
Lending criteria, terms, conditions and fees apply to all ANZ credit cards. See Rates, fees and agreements for more information.