Manage your ANZ credit, ANZ Visa Debit and ANZ EFTPOS cards

1. In goMoney:

• iOS – select Services from the bottom of the screen
• Android™ – select the menu in the top left corner

2. Scroll down and select Manage Cards

3. Choose a card

4. Select Manage card PIN

5. Read the guidelines then enter a new PIN

6. When prompted, enter the new PIN again to confirm it’s correct

7. If you're registered for OnlineCode and have 'Set a PIN on a card’ set as a preference, enter the OnlineCode sent to your nominated mobile phone

1. In Internet Banking select Your settings > Manage cards
2. Select Manage card PIN next to the card you want to set or change the PIN on
3. Read the guidelines then enter a new PIN
4. You’ll need to enter the new PIN again to confirm it’s correct 
5. If you're registered for OnlineCode and have 'Set a PIN on a card’ set as a preference, enter the OnlineCode sent to your nominated mobile phone

Your card expiry date

Each ANZ card has an expiry month and year printed on it. 

You can use your card until the end of the last day of the month shown on the card. 

For example, if your card expires 03/28, it can be used until 11.59pm on 31 March 2028. 

Your replacement card

You should receive the replacement before the end of the month before your card expires. So, if your card is expiring in March, you should have the replacement by the end of February. It will be sent to the postal address we have for you, unless you’ve requested it goes somewhere else. Find out how to Update your contact details in goMoney or Internet Banking, or call us on 0800 269 296.

If you haven’t received your replacement card a week before it is due to expire, call us on 0800 269 296.

You’ll be able to use your replacement card straight away, using the same PIN.

Your credit, debit or EFTPOS card can be replaced early if it:

• Is damaged
• Has the wrong name or embossed format.
• Shows the wrong expiry date.
• Will expire while you’re overseas.

To get your card replaced early:

• Call us on 0800 658 044 or +64 9 522 3010 if you’re overseas
• Send a Bank mail in Internet Banking
• Bring your photo ID to any ANZ branch.

Fees for replacement cards may apply.

For standard delivery:

• If you are in New Zealand, you should receive the card within five business days.
• If you are overseas, you should receive the card within 20 business days. 

As soon as your replacement card appears in your goMoney or Internet Banking, you can set a PIN on it. You can then use your debit or credit card online, in Apple Pay or Google Pay™.

Replacement of an expiring card

If your card is due to expire and we have sent you a new one, you can use the new one straight away with the same PIN.

Contactless on debit and credit cards is activated by completing a transaction using your PIN at a selected bank ATM or most shops. Read about contactless and activating contactless on your card.

New card or replacement of a lost, stolen or cancelled card

As soon as your new or replacement card appears in your goMoney or Internet Banking, you can set a PIN on it. You can then use your debit or credit card online, in Apple Pay or Google Pay™. 

You can also set a PIN by either:

• Calling us on 0800 658 044 or +64 9 522 3010 if you’re overseas
• Bringing your photo ID into any ANZ branch.

Changed type of card

If you have switched from one type of credit card to another, you can set a PIN in goMoney or Internet Banking once it appears, but you’ll also need to call us to activate the new card. Call us on 0800 658 044 or +64 9 522 3010 if you’re overseas.

1. In Internet Banking select Quick Transfer from the top right

2. Choose an account to pay your credit card from

3. Choose your credit card as the account to transfer to

4. Choose a payment option:

• Minimum payment – this is the minimum you need to pay as shown on your last statement
• Closing balance remaining – this is the amount still to pay as shown on your last statement
• Current balance – this is your current credit card balance
• Other – enter any amount you’d like to pay

5. Enter the reference details to appear on your statement

6. Select Transfer

1. In Internet Banking select Pay Now next to the card you want to pay

2. Choose an account to pay your credit card from

3. Choose a payment option:

• Minimum payment – this is the minimum you need to pay as shown on your last statement
• Closing balance remaining – this is the amount still to pay as shown on your last statement
• Current balance – this is your current credit card balance
• Other – enter any amount you’d like to pay

4. Enter the reference details to appear on your statement

5. Select Transfer

In goMoney or Internet Banking you can pay your credit card using Transfer funds the same way you transfer money between any of your ANZ accounts. 

Transfers can be same-day or future-dated. They can be one-off payments, or you can choose to make them repeat. If you make the transfer an automatic transfer, it would appear on your credit card account on the same day.

Read about how to make transfers.

Direct debit payments are automatically made to your credit card from the account you choose. Payments are made when the account is due. 

You can choose for the payment to be:

• The minimum amount due
• A fixed amount of your choice
• The full amount outstanding.

To set up direct debit to your credit card, call us on 0800 658 044.

Search for ‘ANZ Credit Cards’ or similar in the other bank’s online banking registered payees. When selected, our account name and number will be populated, you’ll just need to fill in the other payment details.

The payment details should be:

• Account name: ANZ Credit Cards
• Account number: 06-0986-0000022-00
• Particulars: Surname and Initials (e.g. Smith J K)
• Code: First 8 digits of credit card number
• Reference: Last 8 digits of credit card number

If you have other ANZ accounts linked to your credit card, you can use an ANZ ATM to transfer funds from those accounts to your credit card account.

Read about linking other accounts to your card.

At an ANZ Smart ATM, you can use cash to pay your credit card account.

You’ll just need to make the payment before 10pm on the card account due date.

Find an ANZ ATM.

You can pay your credit card by calling us on 0800 658 044, Monday to Friday 8am - 7pm, Saturday and Sunday 9am - 5pm.

To pay your credit card in person, bring your photo ID into any ANZ branch.

1. In goMoney:

• iOS – select Services from the bottom of the screen
• Android™ – select the menu in the top left corner

2. Scroll down and select Your documents > Statement options

3. Stop paper statements for any of the listed accounts by toggling the switch next to it to off

4. Select Set up alerts from the message that appears 

5. Select Text message alerts

6. Check that the last four digits shown match the last four digits of your phone number

1. In Internet Banking select Your Settings > Change statement options

2. Stop paper statements for any of the listed accounts by selecting Online only next to it

3. To set up the alert, select Your Settings > Update email & alerts

4. Under Alerts for new credit card statements, select Text message

To make sure you have access to enough funds, a seller or merchant may get pre-authorisation for a certain amount of money on your card. The amount put on hold will often be an estimate of a final amount that is not known yet, like how much petrol you get at a self-serve pump or a final hotel bill. 

The amount can be held for up to three business days. If the transaction is not completed within the three days, the authorisation will be removed and the money available on your card will no longer be restricted. A merchant can still take the payment after a hold has been removed, so you should check that any expected payment has been made or taken by the merchant.

If the transaction is completed, the authorisation amount will be replaced by the actual transaction amount.

Removing a Visa hold

Holds usually disappear after a day or two. If you need the held funds sooner, contact the merchant. They will need to contact us authorising the removal of the hold.

These are transactions that haven’t been processed to your credit card account yet. They are usually for something you bought recently, perhaps late at night or on the weekend. They can also be used if a seller or merchant wants to check that you have enough available credit to buy goods or services.

Authorisations usually become processed purchases on your account.

Used to check your credit card details, a verification is a very small amount, usually $1, charged to your account. 

The charge will disappear off your account within five days.

1. In goMoney:

• iOS – select Services from the bottom of the screen
• Android™ – select the menu in the top left corner

2. Scroll down and select Manage Cards

3. Select the card you’re reporting lost or stolen

4. Select Lost or stolen card

5. Select either I’ve lost my card or My card was stolen

6. Check the details then scroll down to select Cancel this card > Confirm

7. Choose where the replacement card should be sent to:

• If you choose the address we have listed for you, a new card will be ordered automatically
• If you enter a different address, you may need to call us to order a replacement card

8. Check the replacement card details and delivery address

9. If the details are correct select These details are correct > Confirm

As soon as your replacement card appears in your goMoney or Internet Banking, you can set a PIN on it. You can then use your debit or credit card online, in Apple Pay or Google Pay™. 

1. In Internet Banking select Your settings > Manage cards

2. Select Lost or stolen card next to the lost or stolen card

3. Check that the correct card has been selected

4. Select what happened to your card and select Continue

5. Once you’ve read the important information, select Cancel this card > Confirm

6. Choose where the replacement card should be sent to:

• If you choose the address we have listed for you, a new card will be ordered automatically
• If you enter a different address, you may need to call us to order a replacement card

7. Check the replacement card details and delivery address. To make a change, select Back

8. If the details are correct, select Confirm

As soon as your replacement card appears in your goMoney or Internet Banking, you can set a PIN on it. You can then use your debit or credit card online, in Apple Pay or Google Pay™. 

1. In goMoney:

• iOS – select Services from the bottom of the screen
• Android™ – select the menu in the top left corner

2. Scroll down and select Manage Cards

3. Choose a card to put a temporary block on

4. Toggle the Temporary block switch on

1. In goMoney:

• iOS – select Services from the bottom of the screen
• Android™ – select the menu in the top left corner

2. Scroll down and select Manage Cards

3. Choose the card to remove the temporary block from

4. Toggle the Temporary block switch off

1. In Internet Banking select Your settings > Manage cards
2. Read the information under Temporary Block - what you need to know
3. Next to the card to put a temporary block on, select On

1. In Internet Banking select Your settings > Manage cards
2. Read the information under Temporary Block - what you need to know
3. Next to the card to remove the temporary block from, select Off 

1. In goMoney:

• iOS – select Services from the bottom of the screen
• Android™ – select the menu in the top left corner

2. Scroll down and select Manage Cards

3. Choose the card to decrease the credit limit of

4. Select Decrease Credit Card Limit > Continue

5. Enter an amount and select Continue

6. Read the confirmation and, if you agree, tick I understand

7. Select Confirm

 

Before decreasing your credit card limit, make sure you choose a new limit that is appropriate for your future credit card use. If you make the new limit too low and need to apply for it to be increased again, your request will be subject to our full lending application process, including reviewing your financial situation.

Note:

• The limit decrease will apply to all cards linked to the account
• Only the primary cardholders can decrease the credit limit
• You can’t decrease your limit if we don’t have your current address on record
• You can’t decrease your limit to less than is currently owed on the account
• You can’t decrease your limit to less than the minimum credit limit for the card, which is:
  – $500 for ANZ Low Rate Visa, ANZ Airpoints Visa and ANZ CashBack Visa
  – $8,000 for ANZ Airpoints Visa Platinum and ANZ CashBack Visa Platinum

You can decrease your credit limit:

• In goMoney
• By calling us on 0800 658 044
• By bringing your photo ID into any ANZ branch.

To increase your ANZ credit card limit, you’ll need to contact us. You can either:

• Call us on 0800 658 044
• Bring your photo ID to any ANZ branch.

If your income isn't direct credited into an ANZ account, you'll need to provide your last three months of bank statements.

Check the criteria for adding another cardholder

The additional cardholder needs to be:

• 18 years or older for a Platinum credit card
• 15 years or older for any other credit card type.

The card needs to:

• Be a personal credit card (not business or commercial) 
• Have less than the maximum number of additional cardholders already on the account:
  Individual account: maximum three additional cardholders
  Joint account: maximum two additional cardholders.

Request an additional cardholder

• By phone: Call us on 0800 658 044. The additional cardholder needs to be available to speak to us. 
• Branch appointment: Call 0800 269 296 to book an appointment for you and the additional cardholder to visit any ANZ branch.

To link accounts to your card:

• Call us on 0800 658 044
• Send a Bank mail in Internet Banking
• Bring your photo ID to any ANZ branch.

1. In goMoney:

• iOS – select Services from the bottom of the screen
• Android™ – select the menu in the top left corner

2. Scroll down and select Manage Cards

3. Choose a card

4. Select Card Tracker

1. In goMoney go to Services > Manage cards
2. Select a Visa card
3. Select Show card details