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Credit card rates, fees and agreements

Rates

The following information is current from  and subject to change.

^Important notice

To help relieve financial pressure through the Coronavirus (COVID-19) pandemic, a special rate of 9.95% p.a. will apply to the ANZ Low Rate Visa between 1 April 2020 and 30 June 2020. After 30 June, the standard purchase and cash advance rates will apply (currently 12.90% p.a. on purchases and 19.95% p.a. on cash advances)

Personal cards
Card type Purchases Cash advances Balance transfers
ANZ Low Rate Visa ^             for 24 months* 
ANZ Airpoints Visa           
ANZ Airpoints Visa Platinum           
ANZ CashBack Visa          
ANZ CashBack Visa Platinum           
            for 24 months*
        
 for 24 months*
            for 24 months*
            for 24 months*
            for 24 months*
            for 24 months*
            for 24 months*
         for 24 months*
            for 24 months*

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

Personal cards
Card type Purchases Cash advances
   
Airpoints option * *
CashBack reward option * *
Low Rate option * *
  
       
          

*Important notice: to help support buinesses through the Coronavirus (COVID-19) pandemic, a purchase interest rate and a cash advance rate of 9.95% will apply between 1 April 2020 and 30 June 2020 for all ANZ Visa Business cards.

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 - $125 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 - $105 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 - $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

ANZ Visa Business fees
Primary Card
Account fee Fees
Airpoints Reward option $145 p.a.*
CashBack Reward option $95 p.a.*
Low Rate option $35 p.a.*
Additional card
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 - Up to $100 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

standard fees
Item Fees

Replacement card (includes lost and stolen)

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.

 $10 per card

Late payment fee

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

 $12

Over limit fee

We charge this fee if you’re over your available credit limit on your statement date. We’ll charge you the Over-limit fee each statement month on the closing date for that statement, until you’re back under your credit limit.

 $2.50 (On each statement that is over limit)

optional service fees
Item Fees
Urgent card delivery Actual courier fee (domestic and international)

Statement copy

We charge this fee if you need a replacement copy of a statement we’ve sent or given you for your card account. We’ll charge this fee when we send you the statement.

 $3 per statement

Currency conversion charge (applies to foreign currency transactions). 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.

 1.8% of the NZD amount
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.

Agreements

For more information

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