It’s important to understand that at ANZ, we no longer offer ‘joint’ credit cards in the same way as you can have a joint bank account or joint home loan. Credit cards are now issued individually, in the name of one cardholder only. That person is called the primary cardholder.
In some cases, we provide additional cards, which are linked to the primary cardholder’s account. This might be for spouses, partners or family members who might not qualify for a credit card of their own, or partners who want the simplicity of having one credit card account that both people can use. But while there may be more than one card there is only one account, which is in the name of the primary cardholder. The primary cardholder is liable for any outstanding balance on the card.
Some customers still have joint credit card accounts from when we offered them in the past. This is where there are two or more primary cardholders on the same account, who are each liable for any outstanding balance by themselves and together with the other cardholders.
Below, we explain what happens when a joint or additional cardholder passes away. The process is slightly different depending on whether it’s a joint or additional card. If you’re not sure what type of card you have, simply call us on 0800 269 296.