Credit card rates, fees and agreements

Rates

The following information is current from —  and subject to change.


Personal cards

Purchases

Cash advances

Balance transfers

% p.a.

% p.a.

% p.a. for 24 months*

% p.a.

% p.a.

 

% p.a.

% p.a.


% p.a.

% p.a.


% p.a.

% p.a.


ANZ Visa Gold

% p.a.

% p.a.

% p.a. for 24 months*

ANZ CashBack Visa Gold

% p.a.

% p.a.

% p.a. for 24 months*

Qantas ANZ Visa

% p.a.

% p.a.

% p.a for 24 months*

Qantas ANZ Visa Platinum

% p.a.

% p.a.

% p.a. for 24 months*

ANZ MasterCard

% p.a.

% p.a.

% p.a. for 24 months*

ANZ Low Rate MasterCard

% p.a.

% p.a.

% p.a. for 24 months*

ANZ Gold MasterCard

% p.a.

% p.a.

% p.a. for 24 months*

ANZ CashBack MasterCard

% p.a.

% p.a.

% p.a. for 24 months*

ANZ Freestyle MasterCard

% p.a.

% p.a.

% p.a. for 24 months*

*After 24 months our standard purchase interest rate will apply to any remaining balance transfer amount.


Business cards

Purchases

Cash advances

% p.a.

% p.a.

% p.a.

% p.a.

% p.a.

% p.a.

% p.a.

% p.a.

% p.a.

% p.a.

Fees

Personal card account fees

  • Primary card fee - $0
  • Joint or additional card fee - $0
  • Primary card fee - $65 p.a.*
  • Joint or additional card fee - $10 p.a. (charged $5 half-yearly)*

* Fee is charged on first statement and half-yearly after that date.

  • Primary card fee - $150 p.a.*
  • Joint or additional card fee - $10 p.a. (charged $5 half-yearly)*

* Fee is charged on first statement and half-yearly after that date.

  • Primary card fee - $60 p.a*
  • Joint or additional card fee - $10 p.a. (charged in full once a year)*

* Fee is charged on first statement and then yearly after that date.

  • Primary card fee - $80 p.a.*
  • Joint or additional card fee - $10 p.a.*

* Fee is charged on first statement and then yearly after that date.

  • Primary card fee - $29 half yearly*
  • Joint or additional card fee - $5 half yearly*

* Fee is charged on first statement and half-yearly after that date. This product is no longer available for new customers.

  • Mastercard - $35 yearly*
  • Primary card Joint or additional card - $10 yearly*

* Fee is charged on first statement and then yearly after that date. This product is no longer available for new customers.

  • Primary card - $75 yearly*
  • Joint or additional card - $10 yearly*

* Fee is charged on first statement and then yearly after that date.

  • Primary card - $80 p.a.*
  • Joint or additional card - $10 yearly*

* Fee is charged on first statement and then yearly after that date. This product is no longer available for new customers.

  • Primary card - $75 yearly*
  • Joint or additional card - $10 yearly*

* Fee is charged on first statement and then yearly after that date. This product is no longer available for new customers.

  • Primary card - $150 yearly*
  • Joint or additional card - $10 yearly*

* Fee is charged on first statement and then yearly after that date. This product is no longer available for new customers.

  • Primary card - No charge*
  • Joint or additional card - $5 (capped at $10 per statement month)*

* Fees are charged monthly on the statement date.  Service fees apply – refer ‘Optional service fees’. This product is no longer available for new customers.


Business cards

Primary card account fee

Airpoints Reward option: $145 p.a.*

CashBack Reward option: $95 p.a.*

Low Rate option: $35 p.a.*

Additional card account fee

All options $10 p.a.*

 

* Fee is charged on first statement and then yearly after that date.

  • Account fee - $35 yearly*

*Fee is charged on first statement and then yearly after that date.

  • Account fee - $35 yearly*

*Fee is charged on first statement and then yearly after that date.

  • Account fee - $35 yearly*

*Fee is charged on first statement and then yearly after that date.


Other credit card fees

Replacement card (includes lost and stolen): $10 per card

We charge this fee for each replacement ANZ Credit Card you ask us to give you if your ANZ Credit Card is damaged, lost, or stolen. We’ll charge this fee when we send you the replacement ANZ Credit Card.

Late payment fee: $6

We charge this fee if you don’t pay the minimum monthly payment by the due date.

Urgent card delivery: Actual courier fee (domestic and international)

Currency conversion charge (applies to foreign currency transactions): 1.3% of the NZD amount

  • Includes transactions through the Mastercard Maestro and Visa PLUS networks.
  • We charge this amount on any transactions you do in a foreign currency, including when you’re overseas or buying goods or services online from an overseas merchant. We charge this on transactions done through the Mastercard Maestro or Visa PLUS networks.

Cash advance fees

In New Zealand:

  • ANZ and non-ANZ ATMs in New Zealand, ANZ Internet Banking, goMoney and Phone Banking: No charge
  • Staff assisted: $3

Overseas*:

  • Overseas ATMs and staff assisted: No charge

* If you do a cash advance overseas, the bank or financial institution may charge you a fee. Does not include additional fees charged by third parties that ANZ has no control over e.g. usual text message cost charged by your mobile
phone provider, or fees charged by ATM operators or other banks.

ANZ lending criteria, terms, conditions and fees apply to all ANZ Credit Cards.

We calculate interest daily at the interest rate applicable to the type of transaction, interest, or fees. Except for cash advances and balance transfers, if you don’t pay all of the closing balance by the due date, then we charge interest on:

  • Each transaction, or part of a transaction, that makes up your closing balance – including fees, transactions, and interest you’ve been charged on previous statements
  • Any new transactions and fees from the opening date of your next statement.

We charge interest from the date of any transaction, interest, or fee was charged to your card account, until the closing date of your next statement.

See our ANZ Credit Card Conditions of Use (PDF 385KB)  for details. 

We charge interest on cash advances, balance transfers and the fees for those transactions from the date those transactions are made until they are repaid in full.

Interest is charged to your card account on the closing date of your monthly statement.

Want to know more?

From overseas: +64 4 470 3142

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