ANZ Balance

  • ANZ
  • 13.99%

  • $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
  • Points are capped?
  • Uncapped
  • Points expire?
  • Never

Details behind our 'value of rewards' calculations

  • Points earning 1 point 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

*how did we do it? find out...

Rates

Purchase rate
13.99%
Intro purchase rate
none
Balance transfer rate
none
Balance transfer revert to cash
none
Cash advance rate
21.74%
Interest free days
55

Fees

Annual card fee
$79.00
Introductory fee
none
Annual fee spend threshold
none
Reward program fee
$0.00
Late payment 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

Other financial bits

Minimum repayment amount
$25.00
Minimum repayment percent
2.0

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 Rating Price Features Service Convenience Trust
ANZ credit card 7.1 Based on 885
ANZ credit card reviews
6.2 6.3 7.0 7.5 7.3

Read ANZ credit card reviews by the Mozo community

Latest reviews of ANZ Balance

  • Always good service

    1. Overall customer rating
    2. (Reviewed about 14 hours ago)

    Convenient, staff helpful,great security services. My husband and I have been with our bank for 45 years and always found them to be reliable and honest.  Full review 

    Convenient, staff helpful,great security services. My husband and I have been with our bank for 45 years and always found them to be reliable and honest.


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    ANZ credit card review by Patricia from Tasmania

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  • Great service

    1. Overall customer rating
    2. (Reviewed 1 day ago)

    They are there when I need them, nothing is too much trouble...staff is great.  Full review 

    They are there when I need them, nothing is too much trouble...staff is great.


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    ANZ credit card review by Voet from New South Wales

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  • Great job, keep changing.

    1. Overall customer rating
    2. (Reviewed 9 days ago)

    I enjoy how ANZ is a people focused bank and is involved in the community. It definitely encourages me that I am trusting my money with a company that makes a point not to focus purely on money. I would like to make a suggestion though. I studied ...  Full review 

    I enjoy how ANZ is a people focused bank and is involved in the community. It definitely encourages me that I am trusting my money with a company that makes a point not to focus purely on money. I would like to make a suggestion though. I studied a diploma of business and it is very effective for businesses to gain trust and even support from their customers when they are involved and help the community, which is what ANZ is doing. However I think ANZ should do more promotions about charities and even create charities where customers can get involved in their own community with help from the ANZ Bank.


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    ANZ credit card review by Rhianah from Western Australia

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  • Information excellent

    1. Overall customer rating
    2. (Reviewed 23 days ago)

    I like the ANZ customer service. When I noticed my card had been used by someone else they put the same amount back on my card without any problems. The staff at the branch I use are very friendly and helpful. If I can get a better interest rate...  Full review 

    I like the ANZ customer service. When I noticed my card had been used by someone else they put the same amount back on my card without any problems. The staff at the branch I use are very friendly and helpful. If I can get a better interest rate on other accounts I hold with them, they mention it to me.


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    ANZ credit card review by Judith from Victoria

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  • Complete Satisfaction

    1. Overall customer rating
    2. (Reviewed about 2 months ago)

    ANZ 16 mth % percent interest, wow, this is the best way to remove your debt. On my 2nd card, best value ever.  Full review 

    ANZ 16 mth % percent interest, wow, this is the best way to remove your debt. On my 2nd card, best value ever.


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    ANZ credit card review by Jennifer from New South Wales

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