Terms and conditions - Credit cards & debit cards

Terms and conditions

Key details you need before choosing an ANZ credit card or optional extra

At ANZ we're doing whatever it takes to make sure you understand the fees, terms and conditions that relate to our convenient banking and credit card products. In this section, we have provided the legal documents you should read before choosing an ANZ credit card or optional extra. If you have any questions at all, please contact us at the ANZ call centre on 13 22 73. We'll be happy to help.

Everything you need to know about fees and charges

Before you choose any banking product, it is important to read about the fees and charges as well as the services the product provides. In this section, you can read about the fees and charges associated with your credit card. See the ANZ personal banking account fees and charges (PDF 328kB).

You can also read about general fees and charges associated with banking with ANZ. See the ANZ personal banking general fees and charges (PDF 152kB).

If you are wanting information about ANZ Everyday Visa Debit, please refer to the ANZ Everyday Visa Debit product disclosure statement (PDF 412kB).

ANZ credit cards conditions of use (PDF 440kB)

These general conditions of use for ANZ credit cards apply to all personal credit cards in ANZ's range. You should read these conditions of use carefully before choosing the ANZ credit card that's right for you.

ANZ credit card insurance features (PDF 200kB)

Selected ANZ credit cards offer insurance products, such as overseas travel and medical insurance, at no extra cost. It's important to understand the policies if you're looking at taking advantage of one or more of these features or acquiring a new product or relying on the cover provided by these insurance features.

ANZ Frequent Flyer Platinum insurance features (PDF 556kB)

ANZ Frequent Flyer Platinum offers insurance to cardholders. Before deciding to take up ANZ Frequent Flyer Platinum or before relying on the cover provided by these insurance features, you should read about the features and limits of the policy to ensure they meet your personal needs.

ANZ Credit Card Insurance

ANZ CreditCover allows you to cover the minimum monthly repayments on your ANZ credit card and more. It's affordable peace of mind for all ANZ credit card holders. Before deciding to purchase this product, you should read about the features and limits of the policy to ensure they meet your personal needs.

You should also access the Product Disclosure Statement (PDF 560kB).

ANZ Financial Services Guide (PDF 208kB)

The ANZ financial services guide is designed to assist you in deciding whether to use any of the services offered by ANZ. It provides you with an understanding of the services and products available and what to expect from your interactions with ANZ. It also provides important information about our business partners and even how to make a complaint.

eDine® Terms and Conditions (PDF 280kB)

eDine® is a great way to find fun. ANZ recommends that you read the terms and conditions before joining.

ANZ Car Rental Cover terms and conditions (PDF 104kB)

ANZ Car Rental Cover can save around $20 a day on insurance excess cover whenever you rent a car in Australia. However, you should carefully review the terms and conditions to ensure that the cover meets all of your personal needs and cover requirements.

ANZ Rewards Visa - Rewards eStatement competition Terms and Conditions (October 2009) (PDF 28kB)

ANZ Rewards Visa Redeem to Win competition Terms and Conditions ( October 2009) (PDF 32kB)

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