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 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

*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 6.7 Based on 1042
ANZ credit card reviews
5.7 5.9 6.8 7.5 7.1

Read ANZ credit card reviews by the Mozo community

Latest reviews of ANZ Balance

    • ANZ

      Amazing Service!

      1. Overall customer rating
      2. (Reviewed 15 days ago)

      So far I have not had any problems. They are trustworthy and reliable. The only problems would be that it takes a while to get in contact, but overall I recommend it!  Full review 

      So far I have not had any problems. They are trustworthy and reliable. The only problems would be that it takes a while to get in contact, but overall I recommend it!


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      ANZ credit card review by Terri from South Australia

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    • ANZ

      Very helpful and friendly with good intentions

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

      When setting up accounts, endeavour to make just one or two staff members aware of your needs and retain a constant relationship.  Full review 

      When setting up accounts, endeavour to make just one or two staff members aware of your needs and retain a constant relationship.


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      ANZ credit card review by Gail from South Australia

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    • ANZ

      0% interest rate on credit works for me

      1. Overall customer rating
      2. (Reviewed 3 months ago)

      Great 0% interest rate for 12 months led to us switching banks for this alone. Great customer service. Not enough local branches.  Full review 

      Great 0% interest rate for 12 months led to us switching banks for this alone. Great customer service. Not enough local branches.


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      ANZ credit card review by Natalie from Tasmania

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    • ANZ

      Great and kind workers

      1. Overall customer rating
      2. (Reviewed 3 months ago)

      I have been with ANZ for maybe 11 to 12 years now and have always received excellent service and help on the phone, very accessible and patient with my overdrafts.  Full review 

      I have been with ANZ for maybe 11 to 12 years now and have always received excellent service and help on the phone, very accessible and patient with my overdrafts.


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      ANZ credit card review by Iris from Victoria

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    • ANZ

      I would recommend it to be my second choice

      1. Overall customer rating
      2. (Reviewed 4 months ago)

      Handy for some people who live close by and sometimes it is good when the closest branch is only 20 minutes away, but it's no good when it is an hour away. Plus some little towns don't have a branch in them, most of the banks are in the big city.  Full review 

      Handy for some people who live close by and sometimes it is good when the closest branch is only 20 minutes away, but it's no good when it is an hour away. Plus some little towns don't have a branch in them, most of the banks are in the big city.


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      ANZ credit card review by Danny from Queensland

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    • ANZ

      Too big to care

      1. Overall customer rating
      2. (Reviewed 4 months ago)

      All about them. No consideration for changing circumstances beyond our control. No consideration given for past history.  Full review 

      All about them. No consideration for changing circumstances beyond our control. No consideration given for past history.


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      ANZ credit card review by Shelley from Victoria

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    • ANZ

      Great customer service

      1. Overall customer rating
      2. (Reviewed 4 months ago)

      I like the bank because I have never had any problems with them.  Full review 

      I like the bank because I have never had any problems with them.


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      ANZ credit card review by Catherine from New South Wales

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    • ANZ

      Stuck with them

      1. Overall customer rating
      2. (Reviewed 4 months ago)

      I am not happy with the interest rate on my credit card and due to my low income I can't change my card. I am stuck with them and I wish someone offered a credit card to people on a low income with the deal that they give them a year interest free...  Full review 

      I am not happy with the interest rate on my credit card and due to my low income I can't change my card. I am stuck with them and I wish someone offered a credit card to people on a low income with the deal that they give them a year interest free if you changed cards. I am with the ANZ Bank!


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      ANZ credit card review by Karren from South Australia

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    • ANZ

      Reliable service. Need to update rewards service

      1. Overall customer rating
      2. (Reviewed 5 months ago)

      Clear statements and easy internet banking. 24 hour access line. Excellent service over the years. Not competitive in terms of rewards now.  Full review 

      Clear statements and easy internet banking. 24 hour access line. Excellent service over the years. Not competitive in terms of rewards now.


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      ANZ credit card review by Shazia from New South Wales

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    • ANZ

      Excellent rates, incentives and customer serice

      1. Overall customer rating
      2. (Reviewed 6 months ago)

      ANZ offer some great incentives. They have flexible options, and their customer service is fantastic.  Full review 

      ANZ offer some great incentives. They have flexible options, and their customer service is fantastic.


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      ANZ credit card review by Christie from Queensland

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    • ANZ

      The best and the foremost one of all the banks.

      1. Overall customer rating
      2. (Reviewed 7 months ago)

      One of the best and most trusted banks I had seen in Australia.  Full review 

      One of the best and most trusted banks I had seen in Australia.


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      ANZ credit card review by Savan from Queensland

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    • ANZ

      Limits

      1. Overall customer rating
      2. (Reviewed 8 months ago)

      I have a Gem Visa it doesn't have increased limits.  Full review 

      I have a Gem Visa it doesn't have increased limits.


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      ANZ credit card review by Cathy from Queensland

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    • ANZ

      Will notify immediately of any unusual transaction

      1. Overall customer rating
      2. (Reviewed 8 months ago)

      Statements are clear and easy to read - will notify you of any unusual transactions that occur to verify they are known to you - good to know they are looking after my account.  Full review 

      Statements are clear and easy to read - will notify you of any unusual transactions that occur to verify they are known to you - good to know they are looking after my account.


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      ANZ credit card review by Eleanor from Victoria

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    • ANZ

      Great customer service

      1. Overall customer rating
      2. (Reviewed 8 months ago)

      They are freindly and helpful.  Full review 

      They are freindly and helpful.


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      ANZ credit card review by Hester from Western Australia

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    • ANZ

      Doing a good job

      1. Overall customer rating
      2. (Reviewed 8 months ago)

      Good service. Like.  Full review 

      Good service. Like.


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      ANZ credit card review by Michael from Victoria

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    • ANZ

      Always good customer service and good products

      1. Overall customer rating
      2. (Reviewed 8 months ago)

      Accounts are monitored and steps taken to rectify any illegal use, which includes notifying us instantly and cancelling cards.  Full review 

      Accounts are monitored and steps taken to rectify any illegal use, which includes notifying us instantly and cancelling cards.


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      ANZ credit card review by John from Northern Territory

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    • ANZ

      Wonderful helper

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

      I can use the card everywhere. ANZ have companies worldwide, specially, in Vietnam as well, I can transfer the money easily. Their customer services are wonderful, but the waiting time take too long. If I'm in a hurry, this is really hard to wait....  Full review 

      I can use the card everywhere. ANZ have companies worldwide, specially, in Vietnam as well, I can transfer the money easily. Their customer services are wonderful, but the waiting time take too long. If I'm in a hurry, this is really hard to wait. They always inform me about their special offers or news. Regularly contact their customers, ask about the past problems, to make sure everything are working well. They are great at helping me with me superannuation, home loans.


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      ANZ credit card review by Thanh vi from New South Wales

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    • ANZ

      Excellent customer service

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

      Fairly reasonable visa card, has reward points system and good rates. Fantastic customer service. Intercepted fraudulant attempts to use my card, stopped, sorted and received new card and assistance.  Full review 

      Fairly reasonable visa card, has reward points system and good rates. Fantastic customer service. Intercepted fraudulant attempts to use my card, stopped, sorted and received new card and assistance.


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      ANZ credit card review by a Mozo reviewer from South Australia

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    • ANZ

      Customer service good.

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

      Interest rates are at an all time low. They don't drop them on this product at all. No consideration at all, all they care about is their bottom line.  Full review 

      Interest rates are at an all time low. They don't drop them on this product at all. No consideration at all, all they care about is their bottom line.


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      ANZ credit card review by Chris from Queensland

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    • ANZ

      Superb, excellent, outstanding customer service

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

      I like the ANZ bank because I think ANZ is the best bank to provice great customer service in branch and online and on call as well.  Full review 

      I like the ANZ bank because I think ANZ is the best bank to provice great customer service in branch and online and on call as well.


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      ANZ credit card review by a Mozo reviewer from New South Wales

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