Credit card rates, fees and agreements

• Primary card fee - No charge
• Joint or additional card fee - No charge

• Primary card fee - $32.50 half yearly.*
• Joint or additional card fee - $2.50 p.a. half-yearly*

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

• Primary card fee - $75 half-yearly.*
• Joint or additional card fee - $2.50 p.a. half-yearly*

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

• Primary card fee - $40 p.a.*
• Joint or additional card fee - $5 p.a.*

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

• Primary card fee - $80 p.a.*
• Joint or additional card fee - $5 p.a.*

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

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 $5 p.a.*

 

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

• Account fee - $35 p.a.*

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

• Account fee - $35 p.a.*

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

• Account fee - $35 p.a.*

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

Replacement card (includes lost and stolen): $5 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.