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 860
ANZ credit card reviews
6.1 6.3 7.0 7.5 7.3

Read ANZ credit card reviews by the Mozo community

Latest reviews of ANZ Balance

  • Information excellent

    1. Overall customer rating
    2. (Reviewed about 20 hours 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 28 days 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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  • Competitive Rates & great for new card holders

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

    This particular bank is a one stop shop for all your banking needs. I have had competitive finance rates, potential home loans, credit, debit and savings accounts with them and they are always ready to give me the best deal around. Great customer ...  Full review 

    This particular bank is a one stop shop for all your banking needs. I have had competitive finance rates, potential home loans, credit, debit and savings accounts with them and they are always ready to give me the best deal around. Great customer service and I have and will recommend them to family and friends.


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    ANZ credit card review by Katie from Northern Territory

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  • Trusted and great staff ensuring best results.

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

    This bank keeps me calm and sure that my money is protected and help me organise my balance with kind hearted business workers and programs.  Full review 

    This bank keeps me calm and sure that my money is protected and help me organise my balance with kind hearted business workers and programs.


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    ANZ credit card review by Ailey from Queensland

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  • Great for financial decisions

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

    ANZ banking is really convenient to use, the interest rates are reasonably excellent. And great staff that help out in any of my enquiries.  Full review 

    ANZ banking is really convenient to use, the interest rates are reasonably excellent. And great staff that help out in any of my enquiries.


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    ANZ credit card review by Annabelle from Queensland

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