Credit card rates, fees and agreements

* 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 half-yearly*

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

ANZ CashBack Visa

• 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.

ANZ CashBack Visa Platinum

• 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.

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 Visa PLUS network.
• 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 Visa PLUS network.

Cash advance fees

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

• 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.

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.