ANZ CashBack Visa
ANZ CashBack Visa
The credit card that rewards your everyday spend with cash back in your pocket.
Dynamic security code – another layer of fraud protection
Shop safer online using a dynamic security code instead of the security code on the back of your physical ANZ Visa card.
It’s available in your ANZ goMoney mobile app and updates every 12 hours, adding another layer of fraud protection from ANZ and Visa.
Eligibility criteria, terms and conditions, and fees may apply.
The important numbers
Apply using our online form
Benefits
Interest rates, fees and minimum credit limit
Rate, fee or limit | |
|---|---|
Interest rate on purchases | —% p.a. |
Interest rate on cash advances | —% p.a. |
Interest free days on purchases | Up to 55 days |
Annual fee | $40 p.a. (charged in full once per year) |
Joint or additional card | $5 p.a. |
Minimum credit limit | $500 |
How CashBack works
- You get $1 cash back for every $150 spent on eligible purchases1.
- Your CashBack year runs for a 12 month period from the date of the first purchase transaction. You’ll be able to see this date on your statement.
- CashBack Rewards will be credited to your CashBack card account on the date of your next statement, following the anniversary of your first eligible purchase on your account. Details of the amount credited will appear on that statement.
- Cash advances and the purchase of cash substitutes (e.g. travellers' cheques), gambling transactions and business related expenditure will not qualify as eligible purchases for a CashBack Reward.
For more important information, including terms and conditions for ANZ CashBack Rewards, please see the ANZ CashBack guide:
Find and compare ANZ credit cards
Check your eligibility
To apply for an ANZ credit card, you’ll need to:
- Be at least 18 years old
- Receive a regular income
- Have enough money left over, after your expenses, to meet your credit card repayments
- Be a New Zealand citizen, permanent resident or, if a non-resident, have a work visa issued for two years or longer with at least one year left.
If you’re a tertiary student, you’ll also need to:
- Have any income, student allowance or student loan credited to your ANZ account
- Be studying full-time at a government-recognised tertiary institution or a NZQA-approved language school with at least six months left on your course
- If you’re an international student, have at least six months left on your student visa.
Additional lending criteria may apply
We’ll discuss this with you during your application process.
How to apply
From overseas: +64 4 470 3142
Not an ANZ customer?
You’ll need to join ANZ first.
Join using the ANZ goMoney app by downloading it, then select Not a customer? Join ANZ > Join ANZ with a profile only. After that, you can apply for a credit card in the app or online.
Banking with ANZ
Manage your card online
Manage your card and payments online with ANZ Internet Banking and the ANZ goMoney app. Set up regular payments, temporarily block your card, manage your PIN, report a lost or stolen card, and more.
Pay with your device
Pay using your compatible device with Apple Pay— or Google Pay™— anywhere you can tap and pay.
Understanding credit cards
Credit cards can be convenient, but it’s important to manage this debt well. It’s a good idea to think about:
- What is a credit card
- How to avoid paying interest
- Tips to pay off your credit card
- Support if you face financial stress.
Credit card security
Help and support
Important information
This is for information purposes only, talk to us for financial advice and see our advice statement (PDF 39.8KB).
Interest rates are subject to change. Lending criteria, terms and fees apply to all ANZ credit cards. See Rates, fees and agreements.
Eligibility criteria and terms and conditions apply to the ANZ goMoney app, ANZ Internet Banking, ANZ Phone Banking, Voice ID and Pay to Mobile. For details, see our ANZ Electronic Banking Conditions (PDF 138KB).
For more important information, including terms and conditions for ANZ CashBack Rewards, please see the ANZ CashBack guide (PDF 2.6MB).