Credit card rates, fees and agreements

Rates

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

Personal cards

	Purchases	Cash advances	Balance transfers
ANZ Low Rate Visa	—% p.a.	—% p.a.	—% p.a. for 24 months*
ANZ Airpoints Visa	—% p.a.	—% p.a.	—
ANZ Airpoints Visa Platinum	—% p.a.	—% p.a.	—
ANZ CashBack Visa	—% p.a.	—% p.a.	—
ANZ CashBack Visa Platinum	—% 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
ANZ Visa Business Airpoints card	—% p.a.	—% p.a.
ANZ Visa Business CashBack card	—% p.a.	—% p.a.
ANZ Visa Business Low Rate card	—% p.a.	—% p.a.
ANZ Visa Corporate card	—% p.a.	—% p.a.
ANZ Visa Purchasing and Lodged Purchasing cards	—% p.a.	—% p.a.

Fees

Personal card account fees

ANZ Low Rate Visa

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

ANZ Airpoints Visa

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.

ANZ Airpoints Visa Platinum

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.

ANZ CashBack Visa

Primary card fee - $60 p.a.*
Joint or additional card fee - $5 p.a.*

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

ANZ CashBack Platinum Visa

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.

ANZ Low Rate Mastercard

Primary card fee - $29 half-yearly*
Joint or additional card fee - $2.50 half-yearly*

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

ANZ Mastercard

Mastercard - $35 p.a.*
Primary card Joint or additional card - $5 p.a.*

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

ANZ Gold Mastercard

Primary card - $75 p.a.*
Joint or additional card - $5 p.a.*

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

ANZ CashBack Visa Gold

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

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

Qantas ANZ Visa

Primary card - $75 p.a.*
Joint or additional card - $5 p.a.*

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

Qantas ANZ Visa Platinum

Primary card - $150 p.a.*
Joint or additional card - $5 p.a.*

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

ANZ Freestyle Mastercard

Primary card - No charge*
Joint or additional card - No charge
Transaction fee - $5 per transaction (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

ANZ Visa 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 $5 p.a.*

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

ANZ Visa Corporate card

Account fee - $35 p.a.*

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

ANZ Visa Purchasing card

Account fee - $35 p.a.*

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

ANZ Lodged Purchasing card facility

Account fee - $35 p.a.*

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

Other credit card fees

ANZ Credit Card standard fees

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.

Optional service fees

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.