# ANZ Credit Card Conditions of Use – Effective 13 April 2026 ## A glossary of the terms we use in these conditions of use ### ANZ credit card When we talk about an 'ANZ credit card' or 'your ANZ credit card' we mean any of these credit cards issued by us to you, including any wallet card: - ANZ Low Rate Visa card - ANZ CashBack Visa card - ANZ Airpoints Visa card - ANZ CashBack Visa Platinum card - ANZ Airpoints Visa Platinum card ### Account Funding Transaction (AFT) AFT means a transaction initiated by a Visa Direct enabled merchant or other person which debits funds from an ANZ Visa Debit card account or an ANZ credit card account to a nominated account or digital wallet. ### Additional cardholder An 'additional cardholder' is anyone you've asked us to give an extra ANZ credit card to be able to access your credit limit. An additional cardholder must be over 15 years old, or over 18 years old if you have a Platinum ANZ credit card. An additional cardholder must also meet our account opening criteria. ### Apple Pay Apple Pay means the mobile payment and digital wallet service created by Apple Inc. that lets you make contactless transactions using a wallet card and a Device. ### ATM An ATM is an 'automated teller machine' allowing someone to complete basic banking transactions, including withdrawing cash. ### Balance transfer A 'balance transfer' uses some of your available credit limit on your ANZ credit card to pay off the balance you owe on another credit card. The other card must be with another bank or financial institution. We'll charge interest differently on the amount of any balance transfer – see the sections 'We may agree to a balance transfer' and 'We may charge you interest on your card account'. ### Biometric identification Biometric identification means verifying identity using a person's unique physical and other traits, such as Voice ID or facial recognition or fingerprint log-on using Touch ID fingerprint identity sensor. ### Business day 'Business days' are any days except Saturdays, Sundays, or New Zealand national public holidays. ### Card account In these conditions of use, we refer to 'the card account' or 'your card account'. We mean the account in your name, which you and any joint cardholders or additional cardholders use to access your credit limit for your ANZ credit card. We also charge any interest and fees relating to your card agreement to this account. ### Card agreement In your card summary, these conditions of use, and variation letters we talk about 'your card agreement'. We mean the contract that you have with us for credit card services. We have different conditions of use for different credit cards we offer, for example personal and business credit cards. We'll tell you in your card summary which version of our conditions of use applies to your ANZ credit card and card account. Your card summary, each variation letter, and the version of the conditions of use described in your card summary form your card agreement with us. These conditions of use can apply to more than one ANZ credit card you have with us. Each card summary, and the conditions of use described in that card summary, forms a separate card agreement with us. ### Card number Your 'card number' is the 16-digit number printed on the front of your ANZ credit card. For security reasons this is different to your card account number. ### Card settings 'Card settings' means the feature in the ANZ goMoney mobile app that allows you to enable and disable transaction blocks on your ANZ credit card, including any card set up in a Mobile Wallet. ### Cash advance A 'cash advance' is when you use your available credit limit to: - get cash using an ATM or EFTPOS, or over the counter at any ANZ branch or another bank or financial institution - buy quasi-cash, including buying foreign currency, travellers cheques, or gambling chips. Cash advances also include transferring some of your available credit limit from your card account to another account you have with us, or another bank or financial institution. This includes by using an ATM, ANZ Phone Banking, ANZ Internet Banking, ANZ goMoney, or with help from an ANZ staff member in branch. We may charge a fee when you do a cash advance and we'll charge interest differently on the amount of any cash advance – see 'We may charge you interest on your card account' and 'We can charge you fees'. ### Cashback Cashback shall mean a payment from a merchant to your ANZ Visa Debit card account or ANZ credit card account, where you have made an Eligible Transaction(s). ### Cashback Offer Cashback Offers shall mean a cashback promotion displayed in goMoney where eligible customers may qualify for Cashback based on completing an Eligible Transaction(s). ### Closing balance The 'closing balance' is the total amount you owe us on the closing date set out on your statement. ### Closing date The 'closing date' is the last date of the statement period set out on your statement. ### Contactless card A contactless card is an ANZ credit card enabled with contactless technology, and is used to make contactless transactions. Wallet cards are contactless cards. ### Contactless terminal A contactless terminal is an electronic point-of-sale device with contactless technology enabled. It allows you to make contactless transactions. ### Contactless transaction A contactless transaction is a transaction made by presenting a contactless card to a contactless terminal or a contactless ATM. Wallet cards you've set up in Apple Pay, Google Pay™ or Google Wallet can't be used at contactless ATMs in New Zealand. ### Credit limit Your credit limit is set out on your card summary and variation letters. Your credit limit is the maximum amount you can access using your ANZ credit card or card account and the maximum outstanding balance you are allowed on your card account. If you have a joint cardholder or additional cardholder, your credit limit is the maximum amount that you and any joint cardholder or additional cardholder can access together. For ANZ credit cards you have chosen to have wallet cards, one credit limit will apply across your wallet card and the physical ANZ credit card it is linked to. We can decrease your credit limit at any time – see 'We can ask you to repay your outstanding balance in full or cancel your ANZ credit card at any time'. For example, A and B are joint cardholders. The credit limit for the joint card is $5,000. The maximum amount A and B can access is $5,000 in total across both cards, not $5,000 on each card. ### Device A Device is any portable electronic device including a phone or other Device that lets you make contactless transactions using a Mobile Wallet. Check: - anz.co.nz/applepay to see which Devices are compatible with Apple Pay - anz.co.nz/googlepay to see which Devices are compatible with Google Pay ### Due date The 'due date' for an amount is the day by which you must have paid it to us. ### EFTPOS The 'EFTPOS' system allows you to pay for goods or services without using cash. Money is electronically transferred from your available credit limit on your card account to the person selling you goods or services. Its full name is 'electronic funds transfer at point of sale'. ### Eligible Transactions Eligible Transactions are any transaction that meets these conditions of use and the specific Cashback Offer terms and conditions (e.g. amount of spend, number of transactions, timeframe), which are contained in goMoney. ### Google Pay™ Google Pay means any payments service offered by Google or its affiliates that lets you make mobile payments using a wallet card and a compatible Device, e.g. Google Pay. Google Pay is provided by Google Asia Pacific Pte. Ltd ABN 54 341 015 381 and its related bodies corporate and affiliates. ### Google Wallet Google Wallet means the digital wallet for Devices that allows you to store your wallet cards for Google Pay and other items on your Device. ### Merchant A 'merchant' is a retailer or someone else bound by our Visa merchant agreement, or another agreement with other Visa members. ### Joint cardholder When more than one person is the cardholder, each person is a 'joint cardholder'. ### Minimum payment due On each statement, we'll set out a 'minimum payment due'. The minimum payment due is the amount you must pay us by the due date on that statement. You can always pay more than the minimum payment due or pay the closing balance on your statement in full – this means you'll pay less interest. But you must at least pay the minimum payment due on each statement by the due date each month. ### Mobile Wallet Mobile Wallet means a digital wallet such as Apple Pay, Google Pay or Google Wallet that lets you make contactless transactions using a wallet card and a Device. ### Original Credit Transaction (OCT) OCT means a transaction initiated by a Visa Direct enabled merchant or other person which credits funds via an ANZ Visa Debit card account or to an ANZ credit card account. ### Outstanding balance The outstanding balance is the total amount owing on your card account at any time. The outstanding balance includes how much of your available credit limit you've used, amounts you've accessed over your credit limit, and amounts that you haven't paid when due. The outstanding balance also includes all transactions, fees, charges, and interest owing on your card account. To find out your outstanding balance call 0800 658 044 or you can check it using ANZ Phone Banking, ANZ Internet Banking, or ANZ goMoney. You can repay your outstanding balance at any time, and you must pay the minimum payment due by the due date. ### Passcode A passcode is a number you choose and then use to activate your Device. ### Passkey A passkey allows users to securely log into digital platforms without a password. Instead, they use a PIN, biometric data (like a fingerprint), or a physical security key to verify their identity. ### PIN This is a 4-digit number or password you choose and then use to access certain services. Its full name is a 'personal identification number'. ### Statement A 'statement' is regular information we send you about your card account, which includes your outstanding balance and minimum payment due. We'll send or give you a statement at least monthly. See the section 'We'll give you information about your transactions and outstanding balance'. If you've asked us to post you statements, a 'statement' is a reference to any statement we post you. Or, if you've asked us to make a statement available for you to view on ANZ Internet Banking, then a 'statement' is a reference to any statement we make available for you online. ### Temporary Block Temporary block is a feature that you can activate to block transactions made using your ANZ credit card. ### Transaction When we refer to 'transactions' we mean any transactions you make using your ANZ credit card or card account. Transactions include those made at an ATM or using EFTPOS, ANZ Phone Banking, ANZ Internet Banking, ANZ goMoney and contactless transactions. Transactions also include those made by mail, telephone, email, or internet. And transactions made with any merchant, or over the counter at any branch or any other bank or financial institution. To avoid doubt, a transaction includes when you buy goods or services using your ANZ credit card, or you do a cash advance or balance transfer. A transaction also includes any amounts you agree a merchant can charge to your card account on an ongoing basis. ### Variation letter We may confirm changes we make to your card agreement by sending or giving you a 'variation letter'. For more information about the changes we can make to your card agreement and how we'll give you information about those changes, see the sections 'How we'll contact you about your card agreement' and 'We can change the terms and conditions of your card agreement'. ### Visa Visa International Services Association is the licensor of the right to use the 'Visa' brand, including the 'Visa' symbol and other registered designs and wordmarks. ### VISA 3D Secure A passcode protected authentication system designed to confirm your identity if your VISA Card is used online in different than usual circumstances by providing you with a Visa 3D Secure one-time passcode via SMS. You can enter that one-time passcode to continue on and complete your purchase. ### Visa Direct Visa Direct is a digital payment network that enables real time fund transfers using Visa's global network. ### Visa member A 'Visa member' is any bank or financial institution who has been approved to issue or accept 'Visa' brand credit cards. Visa members display the Visa symbol. ### Voice ID Voice ID means verifying identity using the unique biometric characteristics in your voice. ### Wallet card A wallet card is an ANZ credit card you have set up in a Mobile Wallet to make contactless transactions. ### We When we talk about 'we', 'us', and 'our', we mean ANZ Bank New Zealand Limited. If we assign or transfer our rights or obligations under your card agreement, when we talk about 'we', 'us', and 'our' we mean the person we've assigned or transferred any of our rights or obligations under your card agreement to. ### You When we talk about 'you', we mean the person or people named as the cardholder on your ANZ credit card summary. When more than one person is the cardholder: - 'you' means each person individually, and any two or more of those people - each person must comply with the conditions of use - each person must repay your card account, by themselves, or with the other cardholders. ## When you get an ANZ credit card, we agree to lend you money and you agree to repay it We agree to lend you the outstanding balance up to your credit limit. When you use your ANZ credit card or card account, you agree to the following: - You've read and understood your card summary and these conditions of use. - The terms and conditions in your card summary and these conditions of use will apply to you and you'll comply with them. - You'll pay the minimum payment due by the due date and you'll repay us the outstanding balance, pay any interest we charge on it, and other amounts we charge, like fees, when we ask you to. - We can use any rights set out in these conditions of use, and rights we have at law as a lender. When we exercise any of the rights we have in these conditions of use, we'll comply with any laws, including laws restricting how or when we exercise those rights. We also aim to exercise our rights fairly and reasonably. Deposits with ANZ Bank New Zealand Limited are not deposits or liabilities of Australia and New Zealand Banking Group Limited. Australia and New Zealand Banking Group Limited does not stand behind or guarantee ANZ Bank New Zealand Limited. Australian Prudential Regulatory Authority (APRA) regulates all Authorised Deposit Taking Institution (ADI) in Australia. Australia and New Zealand Banking Group Limited is an ADI however ANZ Bank New Zealand Limited is not an ADI. ## Setting up your ANZ credit card ### You'll need to sign your ANZ credit card when you receive it When you get your ANZ credit card you must sign it immediately. Always keep the physical card with you or in a safe place. You must ensure that your ANZ credit cards, including your contactless cards, are protected at all times from misuse or any form of unauthorised use. Your ANZ credit card belongs to us, and you agree to return it to us if we ask you to, or if you close your card account. You also agree that a merchant may keep your ANZ credit card, if we've asked them to do so for any reason. For example, we may ask a merchant to keep your ANZ credit card, because your ANZ credit card has been reported as lost or stolen. Your ANZ credit card and card account are not transferable. You must not give or allow anyone else to use your ANZ credit card or card number. Don't post your ANZ credit card overseas, or have someone else send it to you if you're overseas. If you need your ANZ credit card sent to you while you're overseas, please contact us – an Urgent Card Delivery fee may apply. ### You'll need to choose a PIN for your ANZ credit card Generally, you'll need to enter a PIN when you use your ANZ credit card at an ATM or to buy goods or services using EFTPOS. You may not need to enter a PIN if you're making a contactless transaction. See the section 'You can make contactless transactions using your ANZ credit card'. You may also be asked to sign a receipt, instead of entering a PIN, if you're overseas or with some merchants. To set a PIN, simply log in to ANZ Internet Banking, and go to 'Your Settings', 'Manage cards' then 'Manage card PIN'. In ANZ goMoney, go to 'Cards', select your card, then 'Manage card PIN'. Or you can visit any ANZ branch and we'll load a PIN you choose on your ANZ credit card. You'll need to bring some photo identification with you – the identification we'll accept is on our website, or call 0800 269 296 and we can tell you what identification we'll accept. You must not set a PIN that's easy for others to work out, like: - birth dates - sequential numbers, like 3456 - easy combinations, like 1111 - parts of your telephone or mobile numbers - parts of your card number - numbers based on information about you that's easy to find, like your driver's licence number - numbers you already use for other PINs, like the PIN numbers you use to access your mobile phone or a security system. For example, the PIN you set for your wallet card must be different from the PIN you use to access ANZ goMoney. You must take all possible care to keep your ANZ credit card and PIN secure and stop other people from finding out your PIN. Let us know immediately if you forget your PIN, or you think someone might know your PIN, including your ANZ goMoney PIN. We'll arrange for you to select a new PIN. ### Transaction verification To help prevent unauthorised use, in some circumstances, ANZ may contact you in relation to particular transactions and require you to confirm that you authorized them. This will help us identify and prevent suspicious transactions. ### Visa 3D Secure Visa 3D Secure is automatically enabled on your Visa Card. Each Visa 3D Secure one-time passcode is only valid for a limited amount of time. Failure to enter your Visa 3D Secure one-time passcode within the required time frames will mean that your transaction cannot be completed. In providing Visa 3D Secure we rely on mobile network providers to deliver the SMS containing your Visa 3D Secure one-time passcode. Network coverage, including if you are overseas, may affect your ability to receive your Visa 3D Secure one-time passcode. ### You can help stop unauthorised use of your ANZ credit card by protecting your PINs, passcodes, Visa 3D Secure one-time passcodes and biometric identification You must do everything you can to protect your PINs, passcodes and biometric identification including: - Choosing a PIN and a passcode that's hard for others to work out. - Memorising your PIN and your passcode – don't write your PIN or your passcode down. - Keeping your PIN, passcode or Visa 3D Secure one-time passcode confidential. Don't tell others your PIN, passcode or Visa 3D Secure one-time passcode including your family or anyone who appears to be in authority, including people who claim to be our staff, a merchant, or the Police. - Taking all reasonable care so that no one else sees your PIN or your passcode when you enter it, including when using EFTPOS or an ATM or making a contactless transaction. - Choosing different PINs and passcodes for different services with us and for services with other companies. - Changing your PINs and your passcodes regularly. - If you use Voice ID, never record your voice identification phrases such as your passphrase and never let someone else record their voiceprint against your customer number. ### Temporary Block You can activate temporary block to block transactions made using your ANZ credit card. You can activate temporary block by: - Using the 'Manage cards' feature in ANZ Internet Banking or under 'Cards' in ANZ goMoney - Calling us on 0800 658 044 or +64 4 470 3142 (international). You can remove temporary block at any time using the methods set out above. Activating temporary block does not report your ANZ credit card as lost or stolen. If your ANZ credit card is lost or stolen, you must report it to us immediately as set out above. When you activate temporary block: - your ANZ credit card can't be used for any transactions on your card account, unless those transactions were authorised or occurred before you activated temporary block but weren't yet processed - If you use your ANZ credit card to access your everyday and/or savings account then the temporary block: - will not apply to those account(s) if you activate temporary block through contacting our staff; but - will apply to those account(s) if you activate temporary block through ANZ Internet Banking or ANZ goMoney. If you then remove the block through contacting our staff, the temporary block may remain in place on those account(s) unless you ask us to remove it. - direct debits you've set up from your ANZ credit card number won't be made - all fees and interest will continue to be charged and you'll still need to make repayments; this includes making the minimum payment by the due date - existing payments to your card account remain unchanged and you will still be able to view balances and deposit money to your card account using your ANZ credit card at ATMs - any wallet card you have set up in Apple Pay, Google Pay or Google Wallet for your ANZ credit card will also be blocked - you will still be able to make transactions on your card account, as only your ANZ credit card will be blocked - any joint or additional cardholders will still be able to transact on their ANZ credit card. A temporary block set by you: - will continue to apply to a replacement ANZ credit card issued with an identical card number; and - will not continue to apply to a new or replacement ANZ credit card issued with a different card number. We rely on third party services to provide temporary block. If those services are disrupted temporary block may be unavailable from time to time. You are responsible for any authorised transactions made using your ANZ credit card even if temporary block has been activated. ### You can have an additional cardholder on your card account You can ask us to give up to three additional cardholders ANZ credit cards which will access the credit limit on your card account. Any additional cardholder must be over 15 years old, or over 18 years old if you have a Platinum ANZ credit card. Each additional cardholder must comply with these conditions of use, but you will be responsible for all transactions they do using the ANZ credit card to access your card account, including using wallet cards. You agree you will be responsible for each additional cardholder as if the ANZ credit card they use was in your own name, including if the additional cardholder loses their ANZ credit card, or it's stolen. You also agree that we can give any additional cardholder information about your card account, including the outstanding balance and information about any transactions, including transactions you've made. You or the additional cardholder can cancel their ANZ credit card at any time. Just contact us and return the additional cardholder's ANZ credit card to us – make sure you cut the card in half through the magnetic strip and through the chip, before you return it. You will be responsible and must pay for any transactions the additional cardholder has made before the additional cardholder's ANZ credit card is cancelled. ### A joint cardholder is liable by themselves, and together with any other joint cardholder We generally no longer issue ANZ credit cards to joint cardholders. If you're already a joint cardholder or we've agreed to issue an ANZ credit card to you as joint cardholders, then this section applies to you. Each joint cardholder can access the available credit limit on the card account. Each joint cardholder is liable for any outstanding balance by themselves, and together with any two or more joint cardholders. We'll accept any instructions about your card account from any joint cardholder. Any joint cardholder can cancel the card agreement, which will mean we'll stop all other joint cardholders from using their ANZ credit cards to access the credit limit on the relevant card account. Any joint cardholder can also ask us to cancel a specific ANZ credit card that accesses the card account. But, all joint cardholders will remain liable for any transactions made using that ANZ credit card before it was cancelled. ## You can get a replacement ANZ credit card We'll send you a new ANZ credit card just before your current one is due to expire. Your expiry date is set out on the front of your ANZ credit card – please don't use your ANZ credit card if it's expired. If we replace your physical ANZ credit cards, we may automatically replace your wallet cards for you and your card details may be updated with participating merchants. ### If your ANZ credit card is damaged, we may ask you to return it to us If you damage your ANZ credit card, we'll issue you a new ANZ credit card. We charge a fee to issue you a new ANZ credit card. We do not charge a fee to issue a wallet card. For security reasons, we may have some extra requirements you'll need to meet before we'll replace an ANZ credit card if you're overseas. We may ask you to send us your damaged ANZ credit card – make sure you cut the card in half through the magnetic strip, and through the chip, before you send it to us. You'll also need to let us know how it was damaged. A chip is the electronic microchip we embed on the front of an ANZ credit card. ### If you lose your ANZ credit card, or it's stolen, let us know immediately You must let us know immediately if you lose your ANZ credit card, or it's stolen, even if you have activated temporary block. You must also let us know if you have a wallet card and the SIM card for your Device, or your Device, is lost or stolen. Call us on 0800 658 044. If you're overseas, call +64 9 522 3010. Alternatively, you can report your card as lost or stolen using ANZ Internet Banking or ANZ goMoney. If you're overseas, you can also contact any Visa member. Make sure you keep a record that you contacted them, as we may need this information. In these cases, we charge a fee to issue you a new ANZ credit card. We do not charge a fee for a wallet card. For security reasons we may have some extra requirements you'll need to meet before we'll replace an ANZ credit card if you're overseas. A merchant may refuse a transaction or ask you questions if they suspect your ANZ credit card is in the wrong hands. We're not responsible for the merchant's actions if they do this. ### We may choose to give you a replacement card number and card account If you lose your ANZ credit card, or it's stolen, we can choose to give you a replacement ANZ credit card with a replacement card number. We'll transfer the outstanding balance from your existing ANZ credit card to that replacement ANZ credit card. We may do this to protect the security of your card account, but it does not create a new contract between us. Any wallet card set up in Apple Pay, Google Pay or Google Wallet that is linked to a cancelled physical ANZ credit card will automatically be suspended in your Mobile Wallet. In some cases you will need to set up your new wallet card in your Mobile Wallet when you receive your replacement physical ANZ credit card. If we've sent you a replacement ANZ credit card, including a replacement ANZ credit card with a different card number, you agree you'll still be bound by and will comply with these conditions of use. A replacement ANZ credit card includes a replacement ANZ credit card with a different card number, and any replacement wallet card. ### We may need you to come into a branch and confirm what's happened We may need you to come into a branch to confirm what has happened in person. We'll need full information about what has happened in case we need to contact the Police. ## Using your ANZ credit card You'll be able to use your ANZ credit card to access up to your credit limit to: - buy goods or services at merchants who display the Visa symbol, including the Plus symbol. - buy goods or services over the phone, online, or using EFTPOS terminals in New Zealand and some overseas countries - make a cash advance using selected ATMs and EFTPOS terminals in New Zealand and some overseas countries - make a cash transfer using selected ANZ ATMs, ANZ Internet Banking, or ANZ goMoney - use your contactless card to make contactless transactions as described on page 15. When you use your ANZ credit card to buy goods or services, including by contactless transactions, you give us authority to use your available credit limit to pay the merchant. You agree we don't have to seek confirmation from you before we complete that transaction. If you give your ANZ credit card to a merchant to buy goods or services, please make sure you get it back after the transaction is made. We're not responsible if a merchant, bank or financial institution won't accept your ANZ credit card, or if they won't allow you to do a cash advance. Even though a merchant, bank or financial institution displays the Visa symbol, it doesn't mean they will accept your ANZ credit card. It is up to each merchant how they accept payment for goods and services. We're also not responsible if you're not happy with any goods or services you buy using your ANZ credit card. We can't stop or cancel a transaction you make using your ANZ credit card. If you've been charged the wrong amount by a merchant or you return an item, the merchant can choose to credit your card account instead of stopping or cancelling the transaction. ### The Visa member may set limits for the minimum or maximum cash advance you can do The Visa member may set limits for the minimum or maximum cash advance you can do. They may also charge you a fee for the cash advance – in addition to any fee we charge you (see the section 'We can charge you fees'). ### ATMs, EFTPOS and contactless terminals are generally available 24 hours a day – but it does depend on the merchant You can generally use your ANZ credit card at ATMs, 24 hours a day, unless the ATM is out of service or is in a location that has restricted hours, for example, inside a bank or shopping centre. EFTPOS is also generally available 24 hours a day, but availability will depend on the trading hours of the merchant. Merchants also determine the availability of contactless terminals. The time your ATM or EFTPOS or contactless transaction is processed to your card account will depend on the time you completed the transaction with the merchant. Your ATM, EFTPOS or contactless transaction could be processed the next day or when the merchant chooses to settle that transaction. If you're completing a transaction online or by phone, the time your transaction is processed to your card account will depend on the merchant and when they choose to settle that transaction. ### Use good judgement when using an ATM, EFTPOS or contactless terminal You should always use good judgement when using an ATM, EFTPOS or contactless terminal: - Be aware of your surroundings. Choose a well-lit area and park close to the ATM. - If you see anyone or anything suspicious, you should leave the area and do your banking another time or at another ATM. - Have someone with you when using an ATM at night, if possible. - Have your card ready before you approach the ATM. - Take care to make sure no one can see you enter your PIN. - Count your notes before depositing and insert them into the ATM as a bunch. - Remember to remove your card (if inserted) from the ATM once you have completed your transaction. - Cash will be presented once the card is taken from the ATM, remember to take your cash. - Take care that your card does not leave your sight when a transaction is being completed by EFTPOS or at a contactless terminal. - Keep your card details safe and secure including by protecting access to your physical card as well as any device that may allow those details to be accessed. If you have any problems, please let us know as soon as possible. ### Some daily limits apply to cash advances Daily limits apply to the amount you can withdraw from an ATM: - In New Zealand, you can withdraw up to NZ$2,000 a day in cash. - Overseas, you can withdraw up to NZ$3,000 a day in cash. We may change these limits from time to time. Information about how we'll tell you about any changes is set out in our ANZ General Terms and Conditions, at anz.co.nz. For the purpose of these limits, a day is 24 hours from midnight to midnight New Zealand time. Merchants and non-ANZ ATMs may have lower daily limits than we apply. ### Transactions made using AFT or OCT Transaction limits apply to transactions initiated by Visa Direct enabled merchants or other persons crediting funds to or debiting funds from your account such as OCTs and AFTs. These limits are subject to change without notice and are available on anz.co.nz. ### You can make contactless transactions using your ANZ credit card You can use your ANZ credit card to make contactless transactions, using contactless technology. Visa Paywave is a contactless payment technology that lets you perform transactions without having to swipe or insert your ANZ credit card at contactless terminals. You can also make contactless transactions with your contactless ANZ Visa credit card at contactless ATMs. Contactless terminals and contactless ATMs usually display the following symbols. Contactless technology works by tapping or holding your ANZ credit card over a contactless terminal or contactless ATM. If you have a Mobile Wallet, you can make contactless transactions by presenting your Device that has been set up with a wallet card at contactless terminals. You can set up a wallet card from the eligible cards shown in ANZ goMoney. Wallet cards access the same card account as the physical card the wallet card is linked to. This will be your default wallet card account, unless you select a different wallet card for that contactless transaction. Your wallet card may not work if you attempt to make a contactless transaction when your Device has not recently been connected to the internet. A default wallet card is the wallet card you nominate to use in a Mobile Wallet to make contactless transactions. Contactless transactions using Mobile Wallets will be debited from the card account for your default wallet card unless you select a different wallet card for that transaction. In New Zealand, if the transaction is NZ$200 or less, you won't usually need to enter your PIN at the contactless terminal. If the transaction is over NZ$200, you may need to enter your PIN. For security reasons, some merchants may require you to enter your PIN for contactless transactions. Different requirements may apply overseas and you may be asked to sign a receipt instead of enter a PIN. You always need to enter your PIN at contactless ATMs, however. You can't use your wallet card to make a cash transfer, transaction over the phone or to make online purchases. If your physical ANZ credit card is cancelled or blocked for any reason, including if you have activated temporary block we will also cancel or block your wallet card in Apple Pay, Google Pay or Google Wallet (as applicable). If you use your ANZ credit card to make a contactless transaction, you're giving us authority to take that amount from your available credit limit and pay it to the merchant. You can't stop or reverse the transaction. You agree that we don't have to check who is making the transaction, or whether they have your authority. If you use a Mobile Wallet, it's important that you protect your Device. You must ensure that: - no one else's biometric identification is registered on your Device - you only set-up wallet cards where you are the cardholder or an additional cardholder. See our ANZ Electronic Banking Conditions for additional steps you must take to protect your Device, available at anz.co.nz or from any branch - you only use a Mobile Wallet on your own Device, or a Device you are authorised to use, for example, by your employer. You must not enable wallet cards on a shared Device - you remove your wallet cards from your Mobile Wallets before you sell or give your Device to someone else. You will be responsible for all transactions on wallet cards that are not removed from your Device before you sell or give it to someone else. You must contact us immediately by calling 0800 658 044 if you have a Mobile Wallet and: - Your Device or its SIM card is lost or stolen - The mobile service on your Device is suddenly disconnected without your permission - You suspect a security breach of your Device or your Mobile Wallet. We will cancel your Mobile Wallet and wallet cards if required, after you let us know about possible unauthorised transactions. If someone uses your Mobile Wallet or wallet card to make a transaction you haven't authorised, then these conditions of use apply, not our ANZ Electronic Banking Conditions. See 'Your responsibility for unauthorised use of your ANZ credit card' on page 34 for more information. You can find our ANZ Electronic Banking Conditions on our website, anz.co.nz, or ask at any branch. If you have set up your ANZ credit card as a wallet card in Apple Pay, you agree to follow the ANZ with Apple Pay Terms and Conditions, available at anz.co.nz or from any branch. In the event of any inconsistency, the ANZ with Apple Pay Terms and Conditions apply. You must also agree to and comply with Apple Inc.'s terms and conditions in order to use Apple Pay. If you have set up your ANZ credit card as a wallet card in Google Pay or Google Wallet you agree to follow the ANZ Google Pay Terms and Conditions, available at anz.co.nz or from any branch. In the event of any inconsistency, the ANZ with Google Pay Terms and Conditions apply. You must also agree to and comply with Google Asia Pacific Pte. Ltd's terms and conditions in order to use Google Pay. ### You can access your card account by phone or on the internet You can ask us to give you access to your card account using ANZ Phone Banking, ANZ Internet Banking, or ANZ goMoney. More information about these services, including the terms and conditions that apply, is on our website, anz.co.nz or call 0800 269 296. Wallet cards can't be used to make phone purchases or online purchases. ### You may also be able to access your other ANZ accounts using your ANZ credit card If you ask us, we can give you access to most of your everyday and savings accounts using your ANZ credit card at selected ATMs and EFTPOS terminals in New Zealand, and some overseas. We'll let you know which accounts you can access using your ANZ credit card. There will be some accounts that you won't be able to access using your ANZ credit card. If you're using your ANZ credit card or wallet card to make a contactless transaction, the transaction will be charged to your card account, not any other accounts you can access. For example, you may not be able to access online accounts using your ANZ credit card because you can only access the accounts using ANZ Internet Banking or goMoney. If you do ask us to give you access to your other accounts using your ANZ credit card: - any contactless transactions will be charged to your card account – we can't charge these to your other accounts instead - you won't be able to use the 'Fast Cash' option at ATMs to withdraw funds from your other account - not all ATMs and EFTPOS terminals in New Zealand or overseas will allow you to access all of your accounts using your ANZ credit card – we don't recommend you rely only on your ANZ credit card to access your accounts when you travel overseas - we can cancel your access if you break these conditions of use. Daily limits will also apply if you access your other accounts using your ANZ credit card: - in New Zealand, you can withdraw up to NZ $2,000 in cash a day using an ATM - overseas, you can withdraw up to NZ $3,000 in cash a day using an ATM - you can buy goods or services up to NZ $10,000 a day using EFTPOS. We may change these limits from time to time. Information about how we'll tell you about any changes is set out in our ANZ General Terms and Conditions, at anz.co.nz. For the purpose of these limits, a day is 24 hours from midnight to midnight New Zealand time. Merchants and non-ANZ ATMs may have lower daily limits than we apply. If we've given you access to your everyday or savings accounts using your ANZ credit card, you can also use your ANZ credit card to transfer funds, or make deposits at ANZ Smart ATMs to an account linked to your card or another ANZ account. All ANZ Smart ATMs accept note deposits, and selected sites accept coin deposits. Information about when we process deposits and withdrawals made through an ANZ Smart ATM is set out in our ANZ General Terms and Conditions, at anz.co.nz. Find the nearest ANZ ATM at anz.co.nz/locations. ### Authorisations on your ANZ credit card will limit your available credit limit A merchant can get an 'authorisation' to check that you have enough available credit limit to buy those goods or services. Merchants usually get an authorisation when you will pay for those goods or services later. Once a merchant gets an authorisation, it limits your available credit limit on your card account by the amount of that authorisation. The authorisation can hold this amount for up to three business days. For example, you check into a hotel. You'll be staying at the hotel for one night, and your accommodation will cost $300. The hotel gets an authorisation on your ANZ credit card for this amount. You have $500 available credit limit. The authorisation limits your ability to access the $300 needed to pay for your accommodation, so you can only access $200 until you pay for your accommodation or up to three business days. ### You may authorise a merchant to charge a transaction to your ANZ credit card You can use your ANZ credit card and card account, but not your wallet cards, to buy goods or services over the phone, by mail, by email, or online. When you give the merchant your ANZ credit card details, you're authorising the merchant to charge those goods or services to your card account. You may authorise a merchant to charge a particular transaction to your ANZ credit card in writing or verbally. If you do this, the merchant can issue a 'sales voucher' for the amount of the transaction and charge this to your card account. Merchants can't issue sales vouchers for contactless transactions made using wallet cards. You will need to pay the amount of the transaction charged to your ANZ credit card or card account, even if you didn't sign for the transaction or use your PIN. We strongly recommend you take care when giving your ANZ credit card details out by phone, mail, email, or online, particularly before you receive goods or services – this can be risky. Email is not always secure and someone else could get your ANZ credit card details and use them without your authority. ### You must not use your ANZ credit card if your card account is closed If your card account is closed, including where we've cancelled it for any reason, you must stop using your ANZ credit card and card account. We haven't agreed to any transactions after your card account has been closed or cancelled, even where an electronic banking terminal, EFTPOS, contactless terminal, or ATM accepts your ANZ credit card or lets you complete a transaction. You'll need to repay those transactions, and any interest or fees we charge on them, immediately. ### We don't have to accept telephone, fax, or email instructions For your security and protection, we don't always accept any instructions you give us by phoning, faxing, or emailing us. Even if we've agreed to accept instructions you've sent us by phone, fax, or email, if we believe or suspect they haven't been given by you we can still choose to refuse them. You agree we can do certain things if we do accept instructions by phone, fax, or email: - Unless the person is using ANZ Phone Banking, ANZ Internet Banking, or ANZ goMoney, you agree we don't have to identify the person giving us the instruction. - You agree we can process the transaction, even if it exceeds your credit limit. - You promise to pay any losses or costs we incur because of any instruction we've received, unless we directly caused those losses or costs by our negligence. ### Card settings You can use the Card settings feature under 'Cards' in ANZ goMoney to enable or disable the following transaction types on your ANZ credit card and any card set up in a Mobile Wallet: - Contactless purchases, allowing you to turn on and off the ability to make contactless transactions - Online shopping, allowing you to turn on and off the ability to make online transactions using your ANZ credit card, including shopping over the phone - Overseas in-person transactions, where your ANZ credit card is physically presented at a merchant terminal outside of New Zealand (including ATMs). Contactless purchases must also be turned on if you want to make contactless purchases overseas - Online gambling. See below for more information about this setting. #### Card settings set by you: - will continue to apply to a replacement ANZ credit card (including any Mobile Wallet linked to your physical card) issued with an identical card number - will not continue to apply to a new or replacement ANZ credit card (including any Mobile Wallet linked to your physical card) issued with a different card number - will apply to all card accounts you can access with your ANZ credit card - may also apply to any other joint card(s) that share the same card number. For example, if you turn off 'Contactless purchases' in 'Card settings' within ANZ goMoney on your Device, it may disable Contactless purchases for the other joint card(s) if they have the same card number - may not prevent existing recurring payments and subscriptions that you've already set up from being processed, even if you have disabled 'Online shopping' however, new recurring payments or subscriptions may be declined if you have 'Online shopping' disabled. You can enable or disable a Card setting in ANZ goMoney at any time. When you disable a Card setting in the 'Cards' menu in ANZ goMoney: - Your ANZ credit card and any Mobile Wallet linked to your physical card can't be used for transactions that match the Card setting you have disabled - You'll still be able to view balances and deposit money to your card account using your ANZ credit card at ATMs (including at contactless ATMs) - Gambling transactions may still be processed if you insert or swipe your ANZ credit card at a merchant terminal. Transactions that are not sent to us for authorisation at the time they're made may still be processed, for example, some Contactless purchases or transactions processed when there is a system interruption, unless you have applied a temporary block on that same card. We rely on the information about a transaction that a merchant or financial institution provides us to determine whether the transaction matches any of the transaction types you have blocked in the Card settings feature in ANZ goMoney. As a result, some transactions may still be processed despite the Card setting being activated if the merchant has not coded the transaction correctly. For example, if you block 'Overseas in-person transactions' using Card settings in ANZ goMoney, but the merchant store owner incorrectly processes an in-person transaction as an online transaction, the transaction will not be blocked. We'll make every effort to decline transactions that match the Card settings you have disabled via Card settings in ANZ goMoney. But we cannot guarantee that all such transactions will be declined. Sometimes things happen that we can't control, including those described above or system interruptions and other delays. We are not responsible for any loss you suffer if a transaction: - authorised by you is charged to your account even though it matches one of the Card settings you have disabled; or - is declined because it matches one of the Card settings you have disabled, including any subsequent loss of goods and/or services if the merchant is unable to process the transaction, except where such loss has been caused by our fraud, wilful default, or gross negligence. You acknowledge that Card settings rely on computer and/or telecommunications systems. Disruptions to these systems may result in Card settings being unavailable or delayed from time to time. #### Disabling and reactivating the Online gambling setting You can disable the Online gambling Card setting to stop most transactions being processed under the merchant category codes associated with gambling companies. This includes online lotteries or gambling in apps, for example. Exceptions apply as transactions to Government-owned lotteries may still be processed even if Online gambling is disabled. When reactivating Online gambling, there's a 48-hour delay (cool down period) before your card can be used for online gambling. After the cool down period has expired, you can use your ANZ credit card or Mobile Wallet for transactions that are processed under the merchant category codes that are associated with gambling companies. New Zealand laws restrict young people from participating in gambling. The minimum age can vary depending on the type of gambling activity. Visit legislation.govt.nz and search 'Gambling Act' for more information. ## Cashback Offers with ANZ Loop Cashback Offers is a rewards program which provides Cashback for Eligible Transactions. The service is provided by ANZ via goMoney through an arrangement with Visa. Cashback Offers, and the order in which they are presented in goMoney, may differ between customers. If you have an ANZ Visa CashBack card or ANZ CashBack Platinum card, Cashback Offers will be in addition to any CashBack Rewards you earn with those cards. For details on CashBack Rewards see the ANZ Cashback Visa Programme Guide. ### Eligibility As an ANZ credit cardholder, you will automatically be enrolled for Cashback Offers if you are registered for goMoney. To view Cashback Offers you will need a need a minimum operating system on your device and a compatible version of goMoney. See anz.co.nz/gomoney for minimum iOS and Android software versions required. If you do not have a compatible device, you will not see Cashback Offers in goMoney but will be eligible for Cashback provided you satisfy the Cashback Offer terms and conditions. ### Excluded transactions Payments made via online payment platforms (such as PayPal) and payments where you insert your card into a payment terminal and select a cheque or savings account will not be eligible. ### Opting out You can opt out of the Cashback Offers with ANZ Loop rewards program, but not individual Cashback Offers via goMoney, at any time by selecting 'opt out' in the Cashback Offers menu and confirming you want to opt out. If you choose to opt out, you will not be paid any outstanding Cashback not already received into your card account at the time of opting out, even where you have made an Eligible Transaction. See 'When you will not receive Cashback', 'Disqualification' and 'Changes to Cashback Offers'. Once you have opted out, you will no longer be eligible to receive Cashback Offers or Cashback on Eligible Transactions unless you opt back in. Once you have opted out, you can opt in again at any time by contacting ANZ through one of our secure channels. It can take up to 14 days to view and receive offers. ### Receiving Cashback Cashback is paid by the merchant directly into the card account that the Eligible Transaction was made from via an Original Credit Transaction using the Primary Account Number of the card you used for the transaction. Cashback will typically be paid to your card account in 2-7 days but may take longer if a specific period is outlined in the Cashback Offer terms and conditions. ### When you will not receive Cashback You will not receive Cashback if any of the following events occur after you have made an Eligible Transaction(s), but before the Cashback is paid: - Your card account has been sold to a debt agency - You close your card account and a full billing cycle has passed without activity on your card account - You opt out of receiving Cashback Offers Placing a temporary block on your credit card will not prevent you from receiving Cashback Offers. ### Disqualification Where ANZ reasonably believes that you have committed or attempted to commit fraud, acted dishonestly, breached these terms and conditions, breached the specific Cashback Offer terms and conditions or attempted in any way to game or manipulate the Cashback Offers program, we reserve the right in our discretion to remove you from the program, or decline any Cashback whether or not you made an Eligible Transaction. ### Changes to Cashback Offers ANZ and relevant merchants can change, suspend or remove Cashback Offers at any time without notice, so always check the status of any Cashback Offer and its terms and conditions in goMoney before completing a purchase. ANZ or the relevant merchant may, at any time: - Change key elements of the Cashback Offer terms (e.g., the amount of Cashback, any eligibility criteria or required transactions) - Extend the expiry date of a Cashback Offer - Temporarily suspend a Cashback Offer - Introduce a higher-value, short-term boosted offer (e.g., increased Cashback). You will receive Cashback in accordance with the Cashback Offer terms and conditions in place at the time you made your purchase. ### Suspension/Termination ANZ or the merchant may at any time, and without notice, amend, suspend or remove a Cashback Offer. Where a Cashback Offer is suspended before you make an Eligible Transaction, you will not receive Cashback. However, where a Cashback Offer is suspended after you have qualified for a Cashback but before you receive your Cashback, you will still receive your Cashback. ### Responsibility for Cashback Visa, its partners and individual merchants are responsible for the payment of Cashback in accordance with the Cashback Offer terms and conditions. ANZ is not responsible if a merchant does not pay Cashback unless caused by ANZ's fraud, negligence or wilful default. ## You can use your ANZ credit card overseas You can use your ANZ credit card overseas: - Overseas banks, financial institutions, and merchants may set their own daily limits or restrict the types of transactions you can make using your ANZ credit card. - You can use your card account to make transactions overseas where your card isn't present, including buying goods or services online from retailers overseas. When you use your ANZ credit card or card account overseas, you must comply with any laws that apply in that country and in New Zealand, including those about exchange of different currencies. You must still pay for the transaction, even if the goods you buy can't be brought into New Zealand or if you must pay extra taxes or import duties on those goods. ### If you use your ANZ credit card overseas, your transaction will be converted into New Zealand Dollars If you use your ANZ credit card overseas, Visa will convert your transaction into New Zealand dollars: - Visa choose from wholesale exchange rates available to them when processing your transaction. - Visa can choose to convert from the currency you bought the goods or services in directly to New Zealand Dollars. Or they can convert from the currency you bought the goods or services into US Dollars and then into New Zealand Dollars. - The date the transaction is processed isn't always the day you did the transaction. - Visa use exchange rates in different ways. The exchange rates used for different transactions processed on the same day, or the same transaction processed on a different day, may differ. - If a refund happens, the amount of the refund may differ to the original charge because exchange rates have changed or Visa has used different exchange rates. These rules are set by Visa and they could change. We'll let you know if Visa change these rules. ### We charge a currency conversion charge if you use your ANZ credit card overseas We will charge you a 'currency conversion charge' on any transactions you make using your ANZ credit card overseas or in a foreign currency. We'll show currency conversion charges on your statement: For example: Edna's Store Florida (USD 100 @ 0.500) (202.60) (incl Currency Conversion Charge - $2.60) ### We don't charge a currency conversion charge on credit transactions, or overseas refunds to your ANZ credit card A credit transaction is where someone deposits money onto your ANZ credit card or into your card account. A refund is where you've bought goods or services using your ANZ credit card, but the person selling them is giving you back the money you've paid. We don't charge a currency conversion charge on any credit transaction or refund happening overseas using the Visa network. If a refund happens using the Visa network, we won't refund the currency conversion charge we charged on your original transaction. ### Overseas ATM owners and branches could charge you a fee Banks and other financial institutions overseas can charge you fees for using their ATMs or doing a cash advance over the counter. You should be told what the fee is and asked to accept the fee before you can complete your transaction. We'll include any overseas fees on your statement. To keep fees down, or avoid fees, we recommend using overseas ATMs, banks, and other financial institutions as little as possible. ### Using wallet cards overseas You may be able to use your wallet card overseas to make contactless transactions at contactless terminals and contactless ATMs. The transaction limits at which a PIN is required depend on which country you are in. For example, you may need to enter a PIN for a transaction below the NZ$200 limit that is PIN free in New Zealand, or you may need a PIN above that level. We don't set these limits used by overseas ATMs. Your mobile service provider may charge additional fees to access the internet on your Device overseas. See 'Fees that apply to Mobile Wallets and wallet cards' on page 26 for a summary of fees that might apply to Mobile Wallets and wallet cards. ## We may agree to a balance transfer We may agree to a balance transfer, if you ask us to. We have the right to choose whether to agree or refuse your request to do a balance transfer. Or we may choose to accept only some of the amount you want to transfer under the balance transfer. Our lending criteria apply. We may not agree to do a balance transfer if: - the amount you owe on the other credit card is under $100 - the amount you've asked us to transfer is more than the amount owing on the other credit card - the amount you owe is on another ANZ credit card or card account or for a credit card issued by an overseas bank or financial institution - the outstanding balance on your ANZ card account is 95% or more of your credit limit - you've broken these conditions of use or any other agreement with us or you've broken your agreement with the other bank or financial institution you have your other card with - we're not satisfied with how you're using your ANZ credit card or card account. For example, we may not agree to do a balance transfer if you're regularly missing your minimum payment due or going over your credit limit. If the amount you want to transfer will cause you to exceed your approved credit limit, we'll only transfer up to 95% of your credit limit. Unless we've said otherwise, if your card agreement includes a rewards programme, you won't receive any rewards on any amount we transfer under the balance transfer. It's important to know we start charging interest once we've completed the transfer for you. See the section 'We may charge you interest on your card account'. And if you make a cash advance or purchase after the balance transfer happens, you'll be charged interest at the cash advance or purchase rate from the date of that transaction. It will generally take us up to 14 days to process a balance transfer. While we're processing a balance transfer, you'll need to keep making your repayments to the other bank or financial institution. We don't accept any responsibility if you pay late or if you're charged extra fees or interest for any reason. You'll need to close your existing card – unfortunately, we can't do this for you. ## You must keep your outstanding balance under your credit limit You must not let your outstanding balance go above the credit limit. You must pay any interest or any other amounts, like fees, to keep within your limit, and you must pay the minimum payment due. To keep under your credit limit you should regularly check your outstanding balance. You must have enough credit limit available to pay interest we charge you on the outstanding balance or other amounts we charge you on your card agreement, like fees. We can refuse to let you make any transactions on your card account until you are below your credit limit. ## We may let you make transactions above your credit limit If you try to make a transaction that needs more money than your available credit limit, we may stop you doing so. But we understand that sometimes you may need access to extra money. So, we may choose to let you go above your credit limit. If we let you go above your credit limit, we're not increasing your credit limit. Instead, we're lending you the extra money you don't have and you must repay it as soon as possible or when we ask you to. As amounts over your credit limit must be paid as soon as possible, we'll also include any amounts over your credit limit in your minimum payment due. For example, we can choose to decline a transaction that would take you above your credit limit. Or, we might let the transaction go through, and you must immediately repay us the extra money we've given you access to. We have the right to use amounts we owe you to pay amounts you owe us, including where you've gone above your credit limit on your card account – this right is called 'set-off'. We also have the right to move money from any other ANZ account you have with us into your card account to pay amounts you owe us – this right is called 'combination'. We don't have to ask you to repay some or all the outstanding balance first before using these rights. If we use or move amounts in your accounts, we'll advise you in writing afterwards. For example, if you have money in a bank account with us, this is an amount we owe you. We can take that money and use it to pay amounts you owe us, including on your ANZ credit card. ## We can charge you fees We've set out below the fees we can charge to your card account while you have your ANZ credit card. The fees and how we calculate them may change over time. We'll let you know what has changed and when it takes effect. Where we can, we'll give you 14 days' notice before we change a fee. You can get current information about our fees on our website, anz.co.nz. Other fees can apply if you use services like ANZ Phone Banking or ANZ Internet Banking or if you use your ANZ credit card to access your other bank accounts with us. See our 'Fees and Charges' document or our website, anz.co.nz, for more information. Some merchants may charge a fee, like a convenience or surcharge fee, if you pay for goods or services using your ANZ credit card. You should be asked to accept this type of fee before you make your transaction. ### Card type and fees | ANZ credit card type | Fee Type | Amount | |---|---|---| | ANZ Low Rate Visa | Annual fee | No charge | | | Joint or additional card | No charge | | ANZ CashBack Visa | Annual fee | $40 | | | Joint or additional card | $5 | | ANZ CashBack Visa Platinum | Annual fee | $80 | | | Joint or additional card | $5 | | ANZ Airpoints Visa | Half-yearly fee | $32.50 | | | Joint or additional card (charged half-yearly) | $2.50 | | ANZ Airpoints Visa Platinum | Half-yearly fee | $75 | | | Half-yearly fee (Joint or additional card, charged half-yearly) | $2.50 | ### When we charge these fees We charge Annual fees yearly and Half-yearly fees half-yearly for administering your card account. The fee will be charged once your card account is opened and every year or half-year after that. We charge Joint or Additional card fees yearly or half-yearly for administering any ANZ credit cards you've asked us to issue to any joint cardholder or additional cardholder. The fee will be charged once the joint or additional cardholder is added to the card account and every year or half year after that. ### Fees that apply to all ANZ credit cards | Fee | Amount | Description | |---|---|---| | Urgent card delivery | Courier fee | If you need a replacement ANZ credit card urgently, we'll charge you the courier fees, within New Zealand or overseas, to get the ANZ credit card to you. | | Replacement card | $5 | We charge this fee for each replacement ANZ credit card you ask us to give you if your ANZ credit card is damaged, lost, or stolen. We'll charge this fee when we send you the replacement ANZ credit card. | | Late payment fee | $6 | We charge this fee if you don't pay the minimum monthly payment by the due date. | | Currency conversion charge | 1.3% of the NZ $ amount | We charge this amount on any transactions you make in a foreign currency, including when you're overseas or buying goods or services online from an overseas merchant. We charge this on transactions made through the Visa PLUS network. | | Staff-assisted cash advance fee | $3 | We charge a cash advance fee of $3 if you make a staff assisted cash advance (over the counter in branch or over the phone). We won't charge you a fee for cash advances using: • ANZ or non-ANZ ATMs in New Zealand • ANZ Internet Banking, ANZ Phone Banking or ANZ goMoney • An overseas ATM or over the counter in any overseas bank or financial institution. If you do a cash advance overseas using an overseas ATM or over the counter, the bank or financial institution may charge you a fee. Currency conversion charges will also apply. You may be charged additional fees by third parties that ANZ has no control over, for example, ATM operators or other banks. | ### Fees that apply to Mobile Wallets and wallet cards Any fees and charges we charge for your physical ANZ credit cards and ANZ accounts will also apply if you use a Mobile Wallet and wallet cards. You may be charged fees for using a wallet card overseas. See our Fees and Charges booklet for more information. ANZ will not charge you any additional fees solely for setting up a wallet card in New Zealand. Your mobile service provider may charge for downloading, updating and using a Mobile Wallet. Your mobile service provider may charge additional fees to access the internet on your Device overseas. You're responsible for any fees your mobile service provider charges you. If you have concerns about a fee you've been charged by your mobile service provider, you should speak with them directly. ### Except for cash advances and balance transfers, we don't charge interest in some situations. ## We may charge you interest on your card account - We won't charge you interest if you've paid all of the closing balance set out on your statement by the due date. - We won't charge you interest to the extent that you have enough credit funds in your card account to pay any transaction, fee, or interest charge on the day we process it to your card account. You'll have 'credit funds' available in your card account if any money you deposited onto your card account was more than your outstanding balance on that date. You can access those credit funds in the same way you can access your available credit limit. For example, your outstanding balance on your card account is $1,000. You deposit $1,500 onto your card account. The deposit repays your outstanding balance in full, and leaves you with $500 in credit funds. You then buy an item using your ANZ credit card that costs $600. You have $500 in credit funds in your card account on the day we process the transaction to your card account. So, we'll only charge you interest on the remaining $100. If you don't pay all of the closing balance by the due date, then we'll charge interest on: - each transaction, or part of a transaction, that makes up your closing balance – including fees, transactions, and interest you've been charged on previous statements - any new transactions and fees from the opening date of your next statement. The opening date is the first date of a statement period set out on your statement. We'll charge that interest from the day any transaction, interest, or fee was charged to your card account, until the closing date of your next statement. When we calculate interest, we'll take into account any payments you've made to reduce your outstanding balance since the closing date of your previous statement. Except for cash advances and balance transfers, we'll charge interest at our purchase rate for your type of ANZ credit card for any transactions, interest, or fees. ### We charge interest immediately on cash advances and balance transfers If you do a cash advance or balance transfer, we'll charge you interest on the daily balance of that cash advance or balance transfer. We'll charge you interest from the day you did that cash advance or balance transfer until you repay it in full. We also charge interest on any fees or interest we've charged you on that cash advance or balance transfer. We'll charge that interest from the date the interest or fee was charged to your card account until you repay those amounts in full. It's important to know, we use a different interest rate to calculate interest for cash advances, balance transfers, and for any fees or interest we charge on them, than we do for other transactions. We'll charge interest on cash advances, fees or interest