ANZ credit cards

There’s a wide range of rewards that you can opt for through the ANZ Rewards Program. Everyday purchases can earn you points that can be used for shopping gift vouchers, household items, flight tickets, hotel bookings and a lot more. You can check and redeem your Reward Points balance by logging into your account online or over the phone. To make sure you’re earning maximum points, use your ANZ rewards credit card whenever you make a purchase and when paying bills. Also, try to shop with affiliated partners and fly with linked airlines to make the most of your credit card.

It’s easy to register for ANZ Internet as well as phone banking. All you need to do is call their customer care and get a Customer Registration Number (CRN) and Telecode. You can then register online for ANZ Internet banking using these numbers. If you like banking on the go, you can also download the ANZ App on your smartphone.

Like many banks in Australia, ANZ credit cards too come with 44 or 55 interest free days on purchases depending on the card you get. This refers to the maximum length of time from the first day of your statement to the payment due date. For instance, if your card has ‘up to 44 interest-free days’ and the statement is from September 1st to 30th, your repayment will be due on 14th October, which is 44 days after the first day of the statement. To avoid paying interest on the purchases balance, you should always try to pay the full closing balance shown on every account statement by the due date. It’s a good idea to set up a direct deposit from your bank account to your credit card provider, so you don’t miss a deadline.

Make contactless payments with your ANZ credit card that won’t need you to swipe, sign or enter your PIN when making purchases under $100. All you need to do is hold your ANZ credit card to the reader for a hassle-free transaction.

Two extra charges that are applicable to ANZ credit cards include overlimit fees and late payment fees. The former can be easily avoided by regularly checking your account balance via ATMs, ANZ Internet, Phone and Mobile Phone Banking to make sure there is enough credit available to cover any transaction. To steer clear of late payment charges, you should always at least pay your minimum monthly payment by the due date.

ANZ credit cards are protected by 24-hour ANZ Falcon fraud monitoring, which automatically detects any dubious card activity. If ANZ spots a transaction on your account that looks unusual, the bank will contact you to confirm if you are aware of the transaction. ANZ extends its card security for contactless payments, online shopping as well as overseas transactions so you can use your money in peace.

ANZ lets you add a close friend or family member as an additional cardholder who is allowed to make purchases on your ANZ Credit Card account. They can be issued with a card of their own to make these transactions. But don’t forget that while additional cardholders can charge their purchases to your ANZ Credit Card account, you will still be responsible for meeting the repayment obligations.