ANZ approach to fees for Consumer credit cards and ANZ Everyday Visa Debit^#

At ANZ, we want to make your banking simpler. To ensure your everyday banking is simple and fair, we are committed to helping you understand and avoid fees such as Overlimit, Overdrawn or Late Payment Fees.

As part of our commitment, we will give ANZ consumer credit card and ANZ Everyday Visa Debit customers:

1. The option of electing not to exceed your credit card limit and/or overdraw your ANZ Everyday Visa Debit on electronically authorised purchases and cash transactions.^*
2. Regular advice on how you can avoid fees
3. ANZ credit card and ANZ Everyday Visa Debit customers who are recipients of Government benefits and hold an ANZ Access Basic account will not incur an Overlimit, Overdrawn or Late Payment Fees.

If you would like to elect to opt out of exceeding your credit card limit, please complete and sign the ANZ Credit Card Overlimit Opt Out form (PDF 32kB) and return it to ANZ Cards via fax or mail.

Alternatively, if you would like to elect to opt out of exceeding your available funds on your ANZ Everyday Visa Debit, please complete and sign the ANZ Everyday Visa Debit Overdraw Opt Out form (PDF 66kB) and return it to ANZ Cards via fax or mail.

*Opting out means that we will, where possible, decline authorised transactions if there are insufficient available funds at the time of the transaction. If a merchant processes transactions without seeking proper authorisation from us, this may cause your account to exceed its credit limit or become overdrawn.

• View a full copy of the Consumer Credit Cards approach to fees (PDF 16kB).
• View a full copy of the ANZ Everyday Visa Debit approach to fees (PDF 20kB).
• Frequently asked questions.
  
  

#ANZ Everyday Visa Debit is no longer available to new customers.