ANZ Credit Cards

"You get up to 55 interest-free days on your purchases so long as the closing balance on your statement is paid in full by the due date each month (or up to 44 interest-free days with the Airpoints™ Rewards option). Cash advances and balance transfers will be charged interest daily from the date of each advance or transfer to the date of full payment."

"There is no interest-free period on cash advances. Interest is calculated daily from the date you receive the advance up until the date it is fully repaid."

"ANZ don't charge a currency conversion charge to Visa foreign currency credit transactions. In the case of refunds, the currency conversion charge applied to the original debit transaction is not refunded."

"We won't charge you interest if you've paid all of the closing balance set out on your statement by the due date. 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, as well as any new transactions and fees from the opening date of your next statement."

{
  "percent": null,
  "fixed_nzd": 3,
  "maximum_nzd": null,
  "minimum_nzd": null
}

"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, or an overseas ATM or over the counter in any overseas bank or financial institution. The $3 staff-assisted cash advance fee applies only to over-the-counter branch or phone cash advances."

"We don't charge a currency conversion charge on any credit transaction or refund happening overseas using the Visa network. We also do not charge a currency conversion charge on credit transactions where someone deposits money onto your ANZ credit card or into 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."

{
  "percent": null,
  "fixed_nzd": 3,
  "maximum_nzd": null,
  "minimum_nzd": null
}

"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. We charge a cash advance fee of $3 only if you make a staff assisted cash advance (over the counter in branch or over the phone)."

"We don't charge a currency conversion charge on any credit transaction or refund happening overseas using the Visa network."

"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."

{
  "percent": null,
  "fixed_nzd": 3,
  "maximum_nzd": null,
  "minimum_nzd": null
}

"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."

"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 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."

{
  "percent": null,
  "fixed_nzd": 3,
  "maximum_nzd": null,
  "minimum_nzd": null
}

"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."

"We don't charge a currency conversion charge on any credit transaction or refund happening overseas using the Visa network."

"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."

{
  "percent": null,
  "fixed_nzd": 3,
  "maximum_nzd": null,
  "minimum_nzd": null
}

"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."

"We don't charge a currency conversion charge on any credit transaction or refund happening overseas using the Visa network."