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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.


Make contactless payments at thousands of contactless terminals around the world – just look out for the Contactless symbol, and the Mastercard PayPass or Visa Paywave symbol.

Plus, you can leave your wallet at home! All you need is a compatible smartphone or device and Apple Paydisclaimeror Google Pay™disclaimer. Get set up with a mobile wallet option.

Quick and easy

You’ll save time – because you don’t have to swipe, insert, sign, or enter a PIN when you make a purchase for NZ$200 or less at a Mastercard PayPass or Visa Paywave merchant in New Zealand (transaction limits may vary for overseas merchants).


Contactless payments use the same secure, reliable payment network as chip card transactions (i.e. when you insert your ANZ Visa Debit or credit card into a terminal).

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 carddisclaimer, you can easily do that online.

Upgrade my EFTPOS card

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 Protectiondisclaimer.

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

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.

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

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.

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).

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.

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.

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

Need help?

Help and support 

See all help and support articles

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 Conditions, Fees and Charges (PDF 166kB), ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103kB), Electronic Banking Conditions (PDF 129kB) and ANZ Credit Card Conditions of Use (PDF 323kB).

Apple, the Apple logo, iPhone, Apple Watch and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Terms and Conditions apply for Apple Pay. See for more information.


Android and Google Pay are registered trademarks of Google LLC. Terms and conditions apply to Google Pay, see Google Pay for more information.


Must be 13 years or over to apply for an ANZ Visa Debit card.


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.