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 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

  • Trusted and great staff ensuring best results.

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


      1. Price
      1. Features
      1. Customer service
      1. Convenience
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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 9 days 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.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
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    ANZ credit card review by Annabelle from Queensland

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  • Amazing services and care about their customers

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

    I believe that ANZ is an amazing bank because they really listen to their customers and have flexible loan systems, they really help me out and I think they can help you out too.  Full review 

    I believe that ANZ is an amazing bank because they really listen to their customers and have flexible loan systems, they really help me out and I think they can help you out too.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
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    ANZ credit card review by April from New South Wales

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  • The Accessibility and the Security of your Money

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

    Pros - - Security of the Bank - Accessibility to information regarding you account Cons - - Horrible customer Service, they are always very irritating - Some of their policies are out of line  Full review 

    Pros - - Security of the Bank - Accessibility to information regarding you account Cons - - Horrible customer Service, they are always very irritating - Some of their policies are out of line


      1. Price
      1. Features
      1. Customer service
      1. Convenience
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    Less
    ANZ credit card review by Slater from Queensland

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  • Competitive features and great customer service

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

    A lot of new incentive to join ANZ as a new customer, but as an already existing customer the promotions are not available. There should be more promotions available to the existing customer, other than home loans.  Full review 

    A lot of new incentive to join ANZ as a new customer, but as an already existing customer the promotions are not available. There should be more promotions available to the existing customer, other than home loans.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ credit card review by Kelly from Queensland

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