Contactless cards

ANZ Visa Debit and credit cards offer contactless payment technology – so paying for your everyday purchases is quick, secure and convenient.


Contactless cards have a chip in them that emits radio waves. When you hold the card next to a payment terminal, the terminal picks up the signal, communicates with the card and securely processes the payment.

How to get contactless

ANZ Visa Debit and credit cards have contactless already enabled so you can tap and pay right away. If you’ve got an ANZ EFTPOS card and you’d like to upgrade to an ANZ Visa Debit card, you can easily do that online.

How to use contactless

Using your card

Check the amount on the terminal is correct, then simply hold your card near the contactless terminal for a few seconds until you hear a beep. Easy as that!

Using your smartphone or device

It’s similar to using your card, except you’ll need to authorise the payment using biometrics or your passcode.

For purchases over NZ$200 you may need to enter your card PIN at the terminal.


Your information is kept safe using advanced security features, and you’re protected against fraudulent transactions by ANZ’s Zero Liability Protection.

Make payments with confidence

  • Your information is encrypted before it’s sent from your card or device to the contactless terminal, so it can’t be accessed by an unauthorised card reader.
  • Your card or phone never leaves your hand, so you’re always in control.
  • You can’t accidentally make a payment just by walking past a contactless terminal or have payment taken twice – the retailer must enter the amount first, your card or device has to be held close to the terminal for a second or two, and each transaction has to be complete before another can be made.
  • Our fraud monitoring systems monitor your accounts. If we identify unusual activity, we’ll block your card and contact you to make sure it’s really you making the transaction.
  • You’re also covered by Visa’s Zero Liability protection if fraudulent transactions occur, provided you haven’t contributed to the loss in any way and you notify us that your card has been lost or stolen within a reasonable time.

Common questions

Are there any fees for using contactless?

When using contactless to complete your transaction, you won’t be charged any extra, however account transaction fees may apply depending on your account type. See Fees and Charges for more information about account transaction fees.

Will I receive a receipt for my contactless transactions?

It’s no different to any other payment options. You will receive a receipt if you request one from the merchant.

What if merchants don't have Mastercard PayPass or Visa Paywave terminals?

You can use your contactless card, provided they have a terminal that accepts Mastercard or Visa. Simply insert or swipe your card, select credit, savings, or cheque, and enter your PIN.

Do I need to select credit, savings, or cheque when I pay using contactless?

No. With contactless, the transaction is automatically charged to your linked credit or debit card account ("credit" for "credit cards" and your nominated "everyday" account for Visa Debit).

Can I insert or swipe my card for transactions under $200?

Yes. If you'd prefer not to use contactless, you can use choose to insert or swipe your ANZ Visa Debit or credit card instead.

Can I use contactless for transactions overseas?

Yes. Contactless can be used anywhere the Mastercard PayPass or Visa Paywave logo, and the contactless symbol, are displayed. Please note the purchase limit for using contactless overseas will vary from country to country. This means that you may be prompted to enter a PIN or sign the receipt for transactions less than NZ$200 or you may be able to use the contactless functionality for transactions of more than NZ$200.

How will contactless transactions display on my statement?

Contactless transactions will display on your statement just like any other transaction you make with your card.

Important information

Eligibility criteria, terms, conditions and fees (including non-standard fees) apply. Fees are subject to change. Please use the following links for full details of our Terms and ConditionsFees and Charges (PDF 146KB)ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 136KB)Electronic Banking Conditions (PDF 138KB) and ANZ Credit Card Conditions of Use (PDF 323KB).