Online ID check was absolutely a joke. I inserted personal details and reference number then it popped up with no reference found. I ring up CS, over an hour waiting, next thing I was told that I need to visit a branch. When I show up in branch, the customer manager told me that I need an appointment before they can look at my issue. Anyway, to cut the story short. The branch sends me back to the call centre, then long wait before someone answers and then tells me to go back to the branch. I ended up cancelling the card before even it activated. Super disappointed with ANZ services!
I had no problem with my product until I got in to hardship . I found out that my insurance I was paying for was useless and I was paying for nothing it was a joke and in the fine print it states if you are unable to make your repayments for any reason blah blah blah then we will cover you. They lied and I refused to pay. Due to hardship. So ANZ knowingly sold me a dud insurance .
Just warning you all off applying for this credit card with ANZ. The process will take over a month and you still will be no closer to getting your credit card. Their credit card team is based in India so you'll be lucky if they're able to get through to you and if they do, their phone lines are really bad. You are not able to contact them back directly, only phone a 1800 number where you will be put on hold then the operator will email them and ask them to call you again. They ask for the same information over and over again. For me, 34 texts and emails later, still no credit card. I had to cancel my application and applied for an AMEX frequent flyer card which was approved online in 5 minutes. Trust me, it's not worth the hassle, go with another card to get the points. I complained and got back a really lame response back from them. Do yourself a huge favour and avoid this bank at all costs.
When paid off in full and not stuck making monthly repayments, a rewards credit card is excellent way to accrue a reward 'bonus' for normal shopping routines. Anything to boost pathetic interest rates. Their Falcon fraud detection, whilst not foolproof, has definitely kicked in on a couple of occasions. The tap-&-pay facility is convenient but way too easy for misuse if card is lost even though the bank covers the loss. We all pay in the end and all banks are guilty of this.
I don't know if it is really worth the money we pay for it every year for the frequent flyer points. The interest rate is too high but they all are. And the convenience of using it overseas is a plus but again the fees are ridiculous.
I've held this account for several years and have never ever had a problem with it or the bank. That's good enough for me to be able to recommend it.
They have always listened and responded in a respectful manner. I have always felt looked after. I would suggest people pro actively approaching the bank and ask questions, ask for better rates etc. They don’t harass you which I like.
I like the ANZ bank but cannot rate a credit card of any bank as being excellent. Interest rates etc are great but the credit card interest rate is high and rarely alters.
I love my credit card with ANZ but I noticed that when COVID-19 hit I remember the government said not to add interest and they added a $64 interest 3 times during COVID-19 lockdowns. That’s really no good.
They have just changed all the benefits for my card and only made a minor adjustment to the cost of the card. I phoned to discuss as I have been a customer for over 20 years and basically they just said "well that is the way it is."
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