Rewards for reducing your credit card balance

An ANZ Balance Visa card could be suitable for you if you would like to:

• be rewarded for reducing your credit card balance¹
• take up a rewards credit card with a competitive interest rate on purchases.

ANZ Balance Visa rewards you for reducing your credit card balance¹, including repayments on your regular credit card spending, interest and fees on your ANZ Balance Visa card and balance transfers from non-ANZ credit cards to your ANZ Balance Visa.

Your ANZ Balance Visa Reward Points will not expire as long as your account remains open. You can redeem them as they accumulate, or save them up to give yourself a special treat. And there is no cap to the number of points you can earn.

 

• Compare rewards credit cards

How to apply:

Once approved, you may expect to receive your rewards credit card within five business days. You don’t need to be an ANZ customer to apply for ANZ Balance Visa credit card.

ANZ credit card application requirements:

• you are over 18 years of age
• you have a good credit rating
• you are a permanent Australian resident, earning a minimum annual income of $15,000 if applying for an ANZ Credit Card account. If you require a Platinum credit card account or you are a non-permanent Australian resident, you must earn a minimum annual income of $50,000.

View ANZ terms, conditions, fees and charges

Terms and conditions are available on application. Fees and charges apply.

All applications for credit are subject to ANZ's credit assessment criteria.

1. Rewards points are not earned on cashback transactions to your account. Rewards points accrue in accordance with the ANZ Balance Visa Rewards Program Terms and Conditions (call ANZ on 13 13 14 for a copy).

2. Standard variable interest rate is (View current rates) on purchases and (View current rates) on cash advances as at (View current rates) and is subject to change.

3. Includes a $22 Rewards Program Services Fee, which applies per card issued under your account. An annual $10 Additional Cardholder Fee also applies for each additional card.

4. Subject to ANZ designmycard Image Guidelines. Terms and Conditions available at www.designmycard.com.au.

5. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use.

6. Offer available to new and approved applicants who apply for an ANZ Balance Visa credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The interest free period commences from date of card approval and applies to non-ANZ balances transferred to your new credit card. Interest rate reverts to the standard variable interest rate applicable to purchases on your card after 6 months from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. The standard variable interest rate is (View current rates) on purchases and (View current rates) on cash advances for ANZ Balance Visa, as at (View current rates) and is subject to change. Interest accrues on balance transfers from the date the transfer is processed by ANZ. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. The balance transfer must be completed at the time of applying for or, at the time of activating your new ANZ Balance Visa. Terms and conditions apply to balance transfers (please call 13 13 14 for a copy).

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon™ is a trademark of Fair Isaac Corporation.