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Balance Transfer Rate
for 12 months then $375
Max Free Days
Based on your details, you can compare and save on the following credit cards
Pros and Cons
- Rewards Available through ANZ Rewards
- Bonus 180,000 points subject to eligibility conditions
- Reduced $0 annual fee in the first 12 months and $375 p.a thereafter.
- Apple Pay, Google Pay and Samsung Pay available
- Free domestic travel insurance
- Purchase protection insurance
- Extended warranty
- Special events
- Partner discounts
- International travel insurance
- Rental vehicle excess in australia insurance
- Guaranteed pricing scheme
- Transit accident insurance
- Higher than average ongoing purchase rate
- Higher than average ongoing annual fee
- Does not offer free supplementary cards
ANZ Features and Fees
Interest Free Days
Interest Free Days
Minimum monthly repayment
2% or $25
Minimum credit limit
Maximum credit limit
Free supplementary cards
Number free supplementary
for 12 months then $375
Annual Fee Spend Waiver
Supplementary card annual fee
Late Payment Fee
Over limit fee
Duplicate statement fee
Electronic Wallet Service
Cash advance rate
Cash advance fee
2% or $4
Balance Transfer Rate
Balance Transfer Rate
of the approved credit limit
Balance Transfer Fee
Foreign Exchange Fee
3% on Visa
Estimated ATM Cost
for AU $300 withdrawal
A non-permanent resident with more than 9 months remaining on your Visa
Australia Citizen, Permanent Resident, Business Long Stay Visa, Temporary Visa 12 Months Valid, 457 Visa holder
|2 points for $1 spent||Visa||Up to $5k monthly||eligible purchases|
|1 point for $1 spent||Visa||uncapped||eligible purchases|
- FREE DOMESTIC TRAVEL INSURANCE Available for up to 14 days when you use your card to pay for return domestic travel
- PURCHASE PROTECTION INSURANCE Cover lasts for 90 days per year
- EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year.
- SPECIAL EVENTS
- PARTNER DISCOUNTS
- INTERNATIONAL TRAVEL INSURANCE
- RENTAL VEHICLE EXCESS IN AUSTRALIA INSURANCE
- GUARANTEED PRICING SCHEME
- TRANSIT ACCIDENT INSURANCE
- Bonus Points Earn 180,000 bonus Reward Points on your new ANZ Rewards Black credit card and $0 Annual Fee in the first year.**Bonus Reward Points earned when you spend $2,000 on eligible purchases in the first 3 months from approval. $0 Total Annual Fee for the first year - $375 thereafter New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $0 for first year, $375 thereafter).
Compare and review credit cards with similar features
ANZ Rewards Travel Adventures Card
Bonus Points40,000 bonus Reward Points, when you spend $1,000 on eligible purchases in the first 3 months from approval. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee currently $120).
Credit Cards News
What does ANZ credit card insurance cover?
ANZ offers complimentary insurance on some of its credit cards, which can provide some protection against unforeseeable incidents, like the theft of your card. Depending on the type of credit card you own, you may be eligible for different insurances. For instance, most ANZ credit card customers may qualify for Purchase Protection Insurance and Extended Warranty Insurance. Customers who own premium credit cards may also be eligible for Guaranteed Pricing, Rental Vehicle Excess, International Travel, and so on.
Consider checking your ANZ credit card insurance features listed in the Insurance Policy Information booklet to know which items are covered. Also, while ANZ issued the credit card, they are not the insurer. For this reason, you may need to send your insurance claims - and get your ANZ credit card insurance refund - to the insurance provider.
How does ANZ increase my credit card limit?
If you’re the primary cardholder on an ANZ credit card, you can increase your credit limit by logging into your credit card account and choosing the “Increase your credit limit” option. You can also submit an ANZ credit card limit increase application form by visiting any ANZ branch or by mail or fax. When completing the form, it's important to remember to specify how much you want the limit increased. You can estimate this by first calculating the amount of credit card debt you can afford to repay based on your income and expenses, and then declaring that in your application.
Irrespective of whether you’re completing your ANZ credit card limit increase application online or in print, you’ll need to provide updated employment information, income, and expenses, which the company will have to verify. You'll also need to authorise ANZ’s access to your credit history, as your current credit score and recent credit history tell the company about your financial responsibility, and whether or not you'll be able to repay the additional debt you’re applying for.
In some cases, ANZ may ask you for additional information, or the agent processing the application may reach out to you after your application is received. After verifying your credit score as well as your personal and financial information, however, ANZ may approve a credit card limit increase proportionate to your repaying ability, though it may not be the same as the increase you requested.
What should I do if my ANZ credit card has expired?
Your ANZ credit card is considered expired only after the last day of the month and year marked on your card. For instance, if your card’s expiry date reads 03/22, it is valid until 31 March 2022 and expires on 1 April 2022. Typically, you should have received a new credit card by that date, and you won’t have to request a new card.
Once you get the new card, you should remember to switch any automatic payments you have - such as a utility or mobile phone bill - from your expired credit card to your new credit card. Equally, if you are using CardPay Direct to repay your ANZ credit card debt, you may need to update the credit card account details for that service as well.
In case the new card doesn’t arrive by the expiry date of your current credit card, you can call ANZ on 13 22 73 to find out the reason and if you need to request an expedited card. Please note that if you were planning to close your credit card account or request a credit card upgrade, you may need to call ANZ at least before the 25th of the month your current credit card expires in, as that’s when they may send you the new credit card.
How can I transfer money from a credit card to a bank account in ANZ?
The process to transfer money from credit card to a bank account for ANZ customers can be made online via the mobile app or over the phone. Here are the necessary steps for the transfer:
Call the ANZ general enquiries number on 132273 and verify your account information. Request to transfer the desired amount. You’ll then have to provide the bank account number and the BSB details to complete the transfer.
Log in to your online banking or mobile banking app and select the “transfer” option. Provide the bank account number, BSB details, and the amount you want to transfer. Confirm the details for ANZ to transfer money from credit card to a bank account.
What's the best credit card for rewards?
There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice.
Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward.
Can a pensioner get a credit card?
It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:
- Annual income. Look for credit cards with minimum annual income requirements you can meet.
- Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee.
- Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.
How does the ANZ credit card instalment plan work?
While you usually need to settle all or part of your credit card dues at the end of your statement period, some credit cards afford you the option of setting up instalment plans. This allows you to settle your credit card debt at a pace that's more convenient for you, paying a fixed amount over a fixed period, thus making it easier to budget your repayments every month.
With the ANZ credit card instalment plan, you can set up a structured repayment schedule for part or all of your balance, or even for specific purchases over a certain value.
Some of the benefits of instalment repayment include:
- Structured repayments: You’ll have a fixed sum to pay each month.
- Easier to budget: A fixed repayment sum makes it easier to make your monthly budget.
- Account benefits: You might also get benefits such as discounted interest rates or debt-tracking tools.
There are disadvantages of opting for instalment repayment, however, and they include:
- Less flexibility: You will not be able to pay a smaller amount once you set an instalment plan.
- Different interest charges: In case the instalment plan only covers part of the balance, different interest charges could apply, making it challenging to budget.
- Additional fees: You might have to pay fees or penalty charges in case of missed payments.
How do I increase my Virgin credit card limit?
If you’re a Virgin Money cardholder and you’re looking at increasing your credit card limit, the first step is to get in touch with Virgin’s credit team on 13 37 39.
Once you request a Virgin Money credit card limit increase, the lender will do an assessment of your current financial position to make sure you can repay the credit. Virgin Money will typically take 7 to 10 working days to complete this process.
Virgin Money has strict terms around credit increases. To be eligible, you must have opened your account no less than nine months before making the application. Also, at least six months must have passed since your last credit limit increase. The maximum increase you can expect will be 50 per cent of your existing credit limit.
How do I increase my Suncorp credit card limit?
You can ask Suncorp to increase your credit card limit by contacting 131 155 or by visiting your nearest branch. You’ll have to meet Suncorp’s credit criteria and general terms. For example, you may not receive an increase in your limit if you have successfully applied for one or in the past nine months. Similarly, the bank will look at whether you’ve applied for other credit products recently.
When assessing your application for a credit increase, banks look at a range of criteria, such as your income and your spending and repayment history. Usually you’ll hear back within a couple of weeks.
Can I transfer money from a credit card to a bank account with HSBC?
With HSBC’s cash transfer function, you can transfer money from a credit card to a bank account. Customers who wish to make cash transfers have to apply through HSBC and are charged interest on the transactions, but no other fees. Under the program, customers can:
- Borrow between $500 and $15,000, so long at least 20 per cent of the credit limit is still available after the transfer
- Transfer to any nominated bank account quickly.
Registered HSBC online banking users can log in to their accounts and select credit cards online from the My Banking tab. They can then complete the form from the Cash Transfer option. On approval, the requested amount is transferred to the nominated bank account within three days.
Customers can also register for the cash transfer program via the Mobile Banking app. Don’t forget to check the interest rate you’ll be charged, both before and after any promotional period.
Increase your credit card limit with Westpac
You can apply to increase your Westpac credit card credit limit at any time, and most credit card providers have made it really easy to do so. You can use your online banking portal, the credit card provider’s mobile app, or even the telephone.
Applying online to increase your credit limit with Westpac is the easiest option if you’ve already activated Westpac Live Online Banking. All you need to do is fill in the required information and then hit ‘submit’ to apply for an increase in your credit card limit.
Most banks will ask for details of your financial situation at the time of applying for a credit increase. This is done to ensure your new limit meets the lender’s criteria.
You can apply for increasing your credit limit in any of the following ways:
- Visiting your nearest Westpac branch
- Calling Westpac on 1300 651 089
- Logging in on Westpac Live Online Banking
How to increase the NAB credit card limit?
If you use your NAB credit card regularly, you could consider requesting a higher credit limit. The good news is that it's fairly easy to do so using either the NAB app or NAB internet banking.
- Step 1: Download the latest version of the NAB app.
- Step 2: Select the ‘My Cards’ menu.
- Step 3: Select the card you want to increase the credit limit for.
- Step 4: Select ‘Usage Controls’ and then click on ‘Change Credit Limit’.
NAB internet banking:
- Step 1: Log into your account.
- Step 2: Choose the ‘My Cards’ menu.
- Step 3: Choose the card for which you want to increase the limit.
- Step 4: Choose ‘Change My Credit Card Limit’.
If you don’t have the NAB app or cannot access NAB internet banking, you can even visit your local branch or call their contact center.
Once you’ve applied to increase your NAB credit card limit, you’re likely to be asked for your
- current employment details
- total income, before and after-tax deductions
- assets, liabilities, and expenses information
NAB will then assess this information to determine if your current financial situation suits the increased credit limit request, and your application will either be accepted or denied.
However, this process will only work if you’re attempting to increase your personal NAB credit card limit. For a business credit card, you can contact the NAB Corporate & Business Servicing team or speak to your NAB relationship manager.
How can I increase my Bankwest credit card limit?
When you apply for a Bankwest credit card, you get assigned a pre-set credit limit, which will end up being the most that you can spend on your credit card before having to pay it off. Your credit limit is chosen for you and your current financial situation, and you should remember not to overspend, irrespective of the limit, in order to avoid racking up a massive bill.
However, banks and lenders understand that your needs will change, and have made it possible for you to increase your credit card limit, allowing you to get extra cash when you need it most. Moreover, with a higher spending limit, you may be able to get access to certain perks and benefits with your Bankwest credit card.
To increase your Bankwest credit card limit, you can visit any of the bank’s branches or call 13 17 19 and follow the steps outlined.
How can I get a Woolworths store card credit limit increase?
If you are looking to increase the credit limit on your Woolworths card, you can call 1300 101 234 to make an application. You will need to have held your Woolworths credit card account for at least six months before asking to increase your limit.
As with most credit limit increase applications, your financial situation and spending history will be reviewed in order to assess whether your new requested credit limit is appropriate. After the assessment, Woolworths will let you know whether or not you’ve been approved.
Why do different credit reporting bureaus use different scores?
The reason Equifax, Experian and Illion use different scores is because they are independent companies with their own different methodologies. As a result, a score of, say, 700 would mean different things at different credit reporting bureaus.
However, the one thing they have in common is that they divide their scores into five tiers. So if you receive a tier-two credit score from one bureau, you will probably receive a tier-two score from the others, as well.
What happens if I have a bad credit score?
If you have a bad credit score, you might encounter two main problems. First, the lower your credit score, the more likely you are to be rejected when you apply for a loan or any other credit product. Second, if your application is accepted, the less likely you are to qualify for the lowest interest rates.
Why should I check my credit rating?
There are two reasons you should check your credit rating: so you have a better understanding of your financial position, and so you can take action (if necessary) to improve your credit rating.
Lenders use credit ratings or credit scores to assess loan applications. The higher your score, the more likely you are to get approved, and the more likely you are to be charged lower interest rates and lower fees. Conversely, the lower your credit score, the less likely you are to get approved, and the more likely you are to be charged higher interest rates and higher fees.
Can I get a credit card on part-time/casual work?
Yes, as credit card providers look at your annual income amount as well as your occupation. Minimum income requirements tend to be between $30,000 – $40,000 for standard and rewards credit cards, however low income credit cards can have minimum income requirements as low as $15,000 per year.
How to pay a credit card
There are a few ways to pay a credit card bill. These include:
- BPAY - allows you to safely make credit card payments online.
- Direct debits - set up an automatic payment from your bank account to pay your credit card bill each month. You can choose how much you want to pay of your credit card bill when you set up the auto payments.
- In a branch.
- Via your credit card provider's app.
What is CVV on a credit card?
CVV stands for ‘card verification value’, and is also sometimes referred to as a CVC or card verification code.
A CVV code is usually needed when the card is used online or over the phone as an anti-fraud measure. Without the cardholder being physically present to sign or verify the purchase, the CVV provides an extra layer of protection.
If you’re using Mastercard or Visa, the CVV is the three digits located on the back of the card. If you’re using an American Express, the CVV is usually four digits and is on the front of the card.