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    • ANZ Balance

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    credit cards

    • Balance card from ANZ

    • 14.64%

    • 0.00% for 6 months

    • $79.00

    • 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
    • $20,400
    • Flight: Sydney-London
    • $300,000
    • 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 24800 points required. 20000 points buys a Harvey World Travel $100 Gift card; assumed flight cost is $124
    • Flight: Sydney-London 250000 points required. 20000 points buys a Harvey World Travel $100 Gift card; assumed flight cost is $1250

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

    Rates

    Purchase rate
    14.64%
    Intro purchase rate
    none
    Balance transfer rate
    0.00% for 6 months
    Balance transfer term
    6 Months
    Balance transfer revert to cash
    no
    Cash advance rate
    21.74%
    Interest free days
    55

    Other financial bits

    Minimum repayment amount
    $10.00
    Minimum repayment percent
    2.0

    Fees

    Annual card fee
    $79.00
    Introductory fee
    none
    Annual fee spend threshold
    none
    Reward program fee
    $22.00
    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
    yes
    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 6.5 Based on 783
    ANZ credit card reviews     		5.6 5.9 6.5 7.5 6.7

    Read ANZ credit card reviews by the Mozo community

    Latest reviews of ANZ Balance

      • ANZ Balance *

        • 14.64%

          interest rate

        • $79.00

          annual fee

        ANZ First *

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        * Fees and charges are payable

        Show Rates

        Competitive rates and rewards system

          11. Overall customer rating
          12. (Reviewed 3 days 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!!


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        ANZ Balance credit card review by Karalouise from South Australia

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        Yes

      • ANZ Balance *

        • 14.64%

          interest rate

        • $79.00

          annual fee

        ANZ First *

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        * Fees and charges are payable

        Show Rates

        Predictable reasonable fees with top services.

          11. Overall customer rating
          12. (Reviewed 4 days 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.


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

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        Yes

      • ANZ Balance *

        • 14.64%

          interest rate

        • $79.00

          annual fee

        ANZ First *

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        * Fees and charges are payable

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        They have a very good customer care and are trusty

          11. Overall customer rating
          12. (Reviewed 10 days 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.


          11. Price
          11. Features
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          11. Convenience
          11. Trust
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        ANZ Balance credit card review by Moustafa from New South Wales

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        Yes

      • ANZ Balance *

        • 14.64%

          interest rate

        • $79.00

          annual fee

        ANZ First *

        More ANZ credit cards

        * Fees and charges are payable

        Show Rates

        shit

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


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        ANZ Balance credit card review by Jason from Tasmania

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        Yes

      • ANZ Balance *

        • 14.64%

          interest rate

        • $79.00

          annual fee

        ANZ First *

        More ANZ credit cards

        * Fees and charges are payable

        Show Rates

        Good basic no frills credit card,gr8 cust. service

          11. Overall customer rating
          12. (Reviewed 4 months 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
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        ANZ Balance credit card review by David from Queensland

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        Yes

      • ANZ Balance *

        • 14.64%

          interest rate

        • $79.00

          annual fee

        ANZ First *

        More ANZ credit cards

        * Fees and charges are payable

        Show Rates

        poor customer sevice dont bank with anz r,eally

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


          11. Price
          11. Features
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        ANZ Balance credit card review by David from Western Australia

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        Yes

      • ANZ Balance *

        • 14.64%

          interest rate

        • $79.00

          annual fee

        ANZ First *

        More ANZ credit cards

        * Fees and charges are payable

        Show Rates

        Needs improvement

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

        I think ANZ could use some improvement in all aspects except for rates because I am starting to think of leaving the company.       Full review 

        I think ANZ could use some improvement in all aspects except for rates because I am starting to think of leaving the company.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        ANZ Balance credit card review by Sandra from Queensland

        Was this review helpful?

        Yes

      • ANZ Balance *

        • 14.64%

          interest rate

        • $79.00

          annual fee

        ANZ First *

        More ANZ credit cards

        * Fees and charges are payable

        Show Rates

        No customer service and uncompetitive rates.

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

        A credit card is only an additional way for banks to sell money and while it is useful to have one in order to make purchases online its primary purpose is to make more profit for the bank.       Full review 

        A credit card is only an additional way for banks to sell money and while it is useful to have one in order to make purchases online its primary purpose is to make more profit for the bank.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        ANZ Balance credit card review by Pat from Victoria

        Was this review helpful?

        Yes

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