ANZ Balance

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  • ANZ

  • 14.39%

  • $79

  • 55

Rewards scheme

  • Earn points for paying off your balance. Redeem your points for cashback and gift cards
  • You can get flights via Harvey World Travel Gift Vouchers
  • Earn bonus points at over 30 bonus partners.

Value of rewards points

  • Example reward
  • You'd need to spend
  • $100 gift card
  • $20,000
  • $100 cash back
  • $22,500
  • Flight: Sydney-Melbourne
  • $25,000
  • Flight: Sydney-London
  • $280,000
  • Points are capped?
  • No
  • Points expire?
  • Never

Details behind our 'value of rewards' calculations

  • Points earning 1 points per dollar on Visa, uncapped
  • $100 gift card 20000 points buys a Myer $100 Gift Card
  • $100 cash back 22500 points buys a $100 credit
  • Flight: Sydney-Melbourne 25000 points required. 20000 points buys a Harvey World Travel $100 Gift card; assumed flight cost is $125
  • Flight: Sydney-London 280000 points required. 20000 points buys a Harvey World Travel $100 Gift card; assumed flight cost is $1400

(how did we do it? find out...)

Rates

Purchase rate
14.39%
Intro purchase rate
none
Balance transfer rate
none
Balance transfer term
none
Balance transfer revert to cash
none
Cash advance rate
21.74%
Interest free days
55

Other financial bits

Minimum repayment amount
$25.00
Minimum repayment percent
2.00%

Fees

Annual card fee
$79.00
Introductory fee
none
Annual fee spend threshold
none
Reward program fee
$0.00
Late payment fee
$20.00
Overlimit fee
$20.00
Cash advance fee
2%
Foreign exchange margin
3.00%
Duplicate statement fee
$0.00
Transaction verification fee
$0.00
Additional card fee
$32.00
Establishment fee
$

Features

Additional cardholders
3
Other restrictions
none
Other benefits
none

About ANZ

ANZ is one of the largest companies in Australia and New Zealand, with a history that stretches back over 170 years. The bank offers a range of banking and financial products to more than 5.7 million retail customers, including home loans, credit cards and debit cards, personal loans, savings and banking accounts and personal insurance. And now, with its new mobile banking application, ANZ goMoney, it’s easier to do banking on the go.

How are ANZ credit cards rated by the Mozo community?

Product Type Overall Price Features Service Convenience Trust
ANZ credit cards 6.6 Based on 656
ANZ credit card reviews 		5.7 6.0 6.6 7.5 6.9

Read ANZ credit card reviews by the Mozo community

Latest reviews of ANZ Balance

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      Great services

        11. Overall customer rating
        12. (Reviewed about 1 month ago)

      I like it because it's very convenient for my family.       Full review 

      I like it because it's very convenient for my family.


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      ANZ Balance credit card review by To from Victoria

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      Yes
    • Show Rates

      Good service

        11. Overall customer rating
        12. (Reviewed about 1 month ago)

      Good customer service but I wish they opened more branches.       Full review 

      Good customer service but I wish they opened more branches.


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      ANZ Balance credit card review by Trinh from South Australia

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    • Show Rates

      Good service and resonable rates

        11. Overall customer rating
        12. (Reviewed about 1 month ago)

      I like this product as it has given me good service with the years I have been with the bank.       Full review 

      I like this product as it has given me good service with the years I have been with the bank.


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      ANZ Balance credit card review by Phillip from Victoria

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    • Show Rates

      Great card

        11. Overall customer rating
        12. (Reviewed about 1 month ago)

      I like this product as your get a point for every dollar you paid off your card.       Full review 

      I like this product as your get a point for every dollar you paid off your card.


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      ANZ Balance credit card review by Paul from New South Wales

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      Yes
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      Good

        11. Overall customer rating
        12. (Reviewed 2 months ago)

      Good.       Full review 

      Good.


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      ANZ Balance credit card review by Edward from Queensland

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      Poor

        11. Overall customer rating
        12. (Reviewed 3 months ago)

      I was convinced by a teller at my local branch one day to make an appointment to see the manager who could save me a lot of money due to the all the different accounts I had credit cards home loan, savings and others. Made the appoint arrived ear...       Full review 

      I was convinced by a teller at my local branch one day to make an appointment to see the manager who could save me a lot of money due to the all the different accounts I had credit cards home loan, savings and others. Made the appoint arrived early and waited at the appointed time someone walked in off the the street and stuck thier head in the managers door and he shuts the door and I am left sitting there. After 15 min I go to the same teller and ask why someone else got in at my appointment time. I am told they had mistaken the person for me. I am male the other person was female and as I don't know her I am sure she doesn't share my surname. I go back to wait as I have changed my work shifts around and then I am asked to come back in a couple of hours. As I am about to leave the manager finishes with the other person says sorry. Then we commence our meeting. He then offers to change all theses various accounts around to this and that to save me money and can do and that for me and then says by changing my credit card from the the current Visa one I am on to a different master card one my interest rate on my outstanding balance for purchase and cash advances from 21% to 13%. Having been traveling overseas recently the balance was up a bit and I though this would be a good way of maintaining my current repayments and getting rid of the outstanding balance quicker. He also convinces me to take out insurance on my home loan repayments. Two nights later on the TV I see the company I have signed up with are under investigation and civil action is being taken against for not honoring claims, luckily I was still in the cooling off period and opted out immediately. I get my first statement for the new card and there is no reduction on the rates on my balance still 21% after waiting on the phone for 20 minutes I speak to him and he advises me the low interest was only for new purchases at the reduced rate and that everything on the old balance moved to the new card was being billed at the old rate. I informed him that was not what he told me and he was adamant that is was, when I continued to argue he said, that basically I must have misunderstood what was said. When I advised him I had replayed the conversation I had taped on my micro recorder of our conversation and that what I was telling him is what he had said he hung up on me. Funny he doesn't want to answer my calls anymore. I now have a credit card at another bank. Before you question the recording it is totally legal to tape record a conversation between two people anywhere anytime as long as one of the people participating in the conversation is aware it is being taped, on this occasion this being me. I do this type of stuff for a living.


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      ANZ Balance credit card review by a Mozo reviewer from Victoria

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      Yes
    • Show Rates

      A great customer service.

        11. Overall customer rating
        12. (Reviewed 3 months ago)

      I found the product easy to use and it was easy to understand too.       Full review 

      I found the product easy to use and it was easy to understand too.


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      ANZ Balance credit card review by Rachel from Northern Territory

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      Yes
    • Show Rates

      Great customer service and friendly

        11. Overall customer rating
        12. (Reviewed 3 months ago)

      The staff are all friendly and helpful they look at what we have and see if they can do better.       Full review 

      The staff are all friendly and helpful they look at what we have and see if they can do better.


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      ANZ Balance credit card review by Sharryn from Victoria

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      Yes
    • Show Rates

      Good rates and safe

        11. Overall customer rating
        12. (Reviewed 3 months ago)

      I have never had a problem with this card. ANZ are very wary of online fraud and have saved me money on several occasions.       Full review 

      I have never had a problem with this card. ANZ are very wary of online fraud and have saved me money on several occasions.


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      ANZ Balance credit card review by Andrew from Victoria

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      Yes
    • Show Rates

      Good rates and great customer service

        11. Overall customer rating
        12. (Reviewed 4 months ago)

      I like ANZ Bank for their fast, friendly, and helpful service.       Full review 

      I like ANZ Bank for their fast, friendly, and helpful service.


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      ANZ Balance credit card review by Yvette from New South Wales

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      Yes
    • Show Rates

      Good customer service

        11. Overall customer rating
        12. (Reviewed 7 months ago)

      Good customer service       Full review 

      Good customer service


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      ANZ Balance credit card review by Simone from Victoria

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    • Show Rates

      Good idea, points for paying it off.

        11. Overall customer rating
        12. (Reviewed 9 months ago)

      I like the fact you get reward points for paying it off...I use this card purely for this reason.       Full review 

      I like the fact you get reward points for paying it off...I use this card purely for this reason.


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      ANZ Balance credit card review by Natalie from South Australia

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      Yes
    • Show Rates

      Customer service needs some work.

        11. Overall customer rating
        12. (Reviewed 9 months ago)

      The product if fine though the road to get it sorted was a tiresome one. Some staff were great but we had a 5 month delay getting our financial needs met when a staff member processed the wrong application and caused us to wait for a cooling off p...       Full review 

      The product if fine though the road to get it sorted was a tiresome one. Some staff were great but we had a 5 month delay getting our financial needs met when a staff member processed the wrong application and caused us to wait for a cooling off period to reapply. This should have been a straight forward process but was far from it.


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      ANZ Balance credit card review by Danielle from New South Wales

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      Yes
    • Show Rates

      Based on good honest morals - the polite bank

        11. Overall customer rating
        12. (Reviewed 10 months ago)

      I have used ANZ ever since my move from the UK - I found them extremely helpful prior to my move once I was here I found they had also been honest, when a bank is looking after your money honest for me is a major criteria to have. I never have to ...       Full review 

      I have used ANZ ever since my move from the UK - I found them extremely helpful prior to my move once I was here I found they had also been honest, when a bank is looking after your money honest for me is a major criteria to have. I never have to wait long either in the bank or when I phone. Good honest reliable people work at ANZ. It is a real people place to contact - I have always found myself understood.


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      ANZ Balance credit card review by Donna elsey from Northern Territory

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      Yes
    • Show Rates

      Competitive rates and rewards system

        11. Overall customer rating
        12. (Reviewed 12 months ago)

      When I first got the card, they offered 0% for the first 6 months on cash transfers and purchases. This was extremely helpful for the begining. The interest rate is reasonable compared to many and is quite low for a card that also provides rewards...       Full review 

      When I first got the card, they offered 0% for the first 6 months on cash transfers and purchases. This was extremely helpful for the begining. The interest rate is reasonable compared to many and is quite low for a card that also provides rewards. That was another key feature that was beneficial. If you get a credit card and can afford to pay it off, you are not only saving, but also get benefits :) Another little bonus is the card looks awesome too!!


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      ANZ Balance credit card review by Karalouise from South Australia

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      Yes
    • Show Rates

      Predictable reasonable fees with top services.

        11. Overall customer rating
        12. (Reviewed 12 months ago)

      The convenience of a debit/credit card is essential now in society. The staff at the local branches are very co-operative and helpful and transactions are instant. The fees are reasonable and very predictable.       Full review 

      The convenience of a debit/credit card is essential now in society. The staff at the local branches are very co-operative and helpful and transactions are instant. The fees are reasonable and very predictable.


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      ANZ Balance credit card review by Kay from Queensland

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      Yes
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      They have a very good customer care and are trusty

        11. Overall customer rating
        12. (Reviewed about 1 year ago)

      I like this product because it is very trustworthy and convenient. I recommend this to only advanced people as it can get complicated.       Full review 

      I like this product because it is very trustworthy and convenient. I recommend this to only advanced people as it can get complicated.


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      ANZ Balance credit card review by Moustafa from New South Wales

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      Yes
    • Show Rates

      shit

        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      They won't let me change anything and the interest rate is too high.       Full review 

      They won't let me change anything and the interest rate is too high.


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      ANZ Balance credit card review by Jason from Tasmania

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    • Show Rates

      Good basic no frills credit card,gr8 cust. service

        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      The card I have is their no frills low rate card. It has a low fee of about 12% but has no rewards programs. So it is a good card if you want just a basic credit card for big purchases.       Full review 

      The card I have is their no frills low rate card. It has a low fee of about 12% but has no rewards programs. So it is a good card if you want just a basic credit card for big purchases.


        11. Price
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      ANZ Balance credit card review by David from Queensland

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    • Show Rates

      poor customer sevice dont bank with anz r,eally

        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      I dislike ANZ because they have poor customer service and do not answer your questions and concerns truthfully. I have a ANZ first credit card and the interest rate is very high. Do not get credit cards from them. Internet banking always has probl...       Full review 

      I dislike ANZ because they have poor customer service and do not answer your questions and concerns truthfully. I have a ANZ first credit card and the interest rate is very high. Do not get credit cards from them. Internet banking always has problems with security, especially with online statements. I have now switched banks to NAB and they have excellent customer service and internet banking. They care about their customers. Bank with NAB.


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      ANZ Balance credit card review by David from Western Australia

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      Yes

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