Balance transfers
A balance transfer moves the outstanding balance from your non-ANZ credit or store card to an ANZ credit card.
Balance transfer with ANZ
2-year balance transfer rate—
2-year balance transfer rate—
Rate is unavailable
- The balance transfer interest rate only applies to the balance you’re transferring from a non-ANZ credit or store card to your ANZ credit card.
- For all other purchases or cash advances, the standard interest rates for that card applies.
- At the end of the balance transfer period, the standard purchase interest rate for your ANZ credit card applies to any remaining balance transferred.
ANZ Low Rate Visa
Transferring your balance to an ANZ Low Rate Visa could help you save on interest and fees:
- At the end of the balance transfer period (our current offer has a special balance transfer rate for two years), the purchase interest rate for your ANZ Low Rate Visa, currently —— will apply to any remaining balance transferred.
- No annual card fee.
Apply using our online form
How a balance transfer works
Cards you can transfer a balance from
- Visa or Mastercard cards provided by ASB, Bank Direct, BNZ, KiwiBank, TSB or Westpac.
- American Express (excluding Air New Zealand AMEX).
- GE CreditLine (GEM).
- Q Card.
- Farmers Card.
How much you can transfer
- The minimum amount you can transfer is $100.
- You can balance transfer any amount above the minimum as long as the balance transfer does not cause you to exceed 95% of the approved credit limit on your ANZ credit card. This allows a buffer to cover any fees you may incur (e.g. a late payment or cash advance fee) or interest charges.
Repayment allocation – balance transfer amount vs new purchases
When you make a repayment to your ANZ card, it will generally be applied to the transferred balance before any purchase or cash advance.
This means that until your transferred balance is paid off in full, you won’t get any interest-free days on new purchases.
If you have an existing ANZ credit card
If your current ANZ credit card is an Airpoints, CashBack or Qantas card, consider changing to an ANZ Low Rate Visa to save on fees and interest, before applying for a balance transfer.
The balance transfer process
How new customers can apply
Apply online
Apply for a new ANZ credit card and a balance transfer.
You'll need to fill out the balance transfer section of the online form.
Call us
Monday to Friday, 8am - 7pm
Saturday and Sunday, 9am - 5pm
From overseas: +64 4 470 3142
If you don't currently bank with ANZ
You'll need to provide:
- Valid proof of identification.
- Mail that has been addressed to your residential addressed (within the last 90 days).
- Your last 90 days of bank statements.
How existing customers can apply
Apply using ANZ goMoney app to open a new credit card
Apply for a new ANZ credit card and balance transfer using your goMoney mobile app—.
In goMoney go to 'Services' > 'Apply & Open' and tap 'Credit card'.
You'll need to fill out the balance transfer section.
If you don’t have goMoney yet, you can download it now. Eligibility criteria and terms and conditions apply, see important information below.
Apply online to open a new credit card
Apply for a new ANZ credit card and balance transfer using ANZ Internet Banking.
In Internet Banking go to 'Apply and Open’ > ‘Credit cards' and click 'Start now'.
You'll need to fill out the balance transfer section.
Call us if you have an existing ANZ credit card
Monday to Friday, 8am - 7pm
Saturday and Sunday, 9am - 5pm
From overseas: +64 4 470 3142
Find and compare ANZ credit cards
Compare our cards
Select up to four cards to compare the interest rates, fees, rewards and benefits of each.
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Important information
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.
This material is for information only. Please talk to us if you need financial advice about your situation and goals or about balance transfers. See our financial advice provider disclosure at anz.co.nz/fapdisclosure