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 6.8 Based on 814
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

  • Excellent customer service and expanding features

    1. Overall customer rating
    2. (Reviewed 27 days ago)

    I like my bank, ANZ, because it is very accessible not only around Australia but also while traveling abroad. The bank staff are helpful and the fees justifiable. 8/10.  Full review 

    I like my bank, ANZ, because it is very accessible not only around Australia but also while traveling abroad. The bank staff are helpful and the fees justifiable. 8/10.


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    ANZ credit card review by Jess from New South Wales

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  • Amazing Service!

    1. Overall customer rating
    2. (Reviewed 2 months 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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  • Very helpful and friendly with good intentions

    1. Overall customer rating
    2. (Reviewed 3 months 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

    1 person found this review helpful – do you? Yes flag

  • 0% interest rate on credit works for me

    1. Overall customer rating
    2. (Reviewed 5 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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  • Great and kind workers

    1. Overall customer rating
    2. (Reviewed 5 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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      1. Features
      1. Customer service
      1. Convenience
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    ANZ credit card review by Iris from Victoria

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