Interest rates, fees and terms

1. For details on which transactions are purchases, cash advances or standard balance transfers for the purposes of charging interest please see the ANZ Credit Card Conditions of Use (PDF).

2. The standard variable annual interest rate is 13.74% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance for ANZ Low Rate, 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance for ANZ First, 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and  21.99% p.a. on the standard balance transfers balance for ANZ Platinum, 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance for ANZ Frequent Flyer, 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance for ANZ Frequent Flyer Platinum, 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance for ANZ Frequent Flyer Black, 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance for ANZ Rewards, 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance for ANZ Rewards Platinum and 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance for ANZ Rewards Black, 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance for ANZ Rewards Travel Adventures. These rates are current as at today's date and are subject to change.

3. The annual fee is currently $58 (as at today's date) but is subject to change. For applicable fees and charges please see the ANZ Consumer Credit Cards Fees and Charges (PDF).

4. The ANZ Platinum Annual Fee will be waived in the first year. In each subsequent year, if Eligible Purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next Annual Fee will be waived. The date Purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last Annual Fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your Annual Fee) and ends on the day your next Annual Fee would be charged. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of Eligible Purchases excluding refunds and reversals in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change.

5. The annual fee for ANZ First is currently $30, the standard annual interest rate is 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance as at today's date and is subject to change. For applicable fees and charges please see the ANZ Consumer Credit Cards Fees and Charges (PDF).

6. For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee.  For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of  $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

7. For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account.  These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

8. For ANZ Rewards Travel Adventures, a total annual fee of $175 applies, which includes a $120 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Travel Adventures, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

9. For ANZ Rewards, a total annual fee of $95 applies which includes a $40 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on ANZ Rewards, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

10. For ANZ Frequent Flyer, a total annual fee of $95 applies which includes a $40 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.