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Find ANZ Support Centre
Find ANZ Support Centre

Make a credit card payment

There are a number ways you can pay off your ANZ credit card.  You can make a one-off or recurring transfer from an ANZ account, use BPAY or setup a direct debit. Take a look to see which method is right for you.

 

How much are you planning to repay?

Minimum Monthly Payment*

Your Minimum Monthly Payment is the minimum amount you're required to pay towards your credit card each month. This includes any ANZ Instalment Plandisclaimer payments due if you have a plan in progress. 

Minimum Monthly Payment plus extra*

Your minimum is just that, a minimum. If you have room in your budget, you can chose to pay additional amounts on top, which may help in reducing your credit card debt.

Full Closing Balance

You could clear the entire Closing Balance on your credit card each month. The Closing Balance amount includes any overdue/overlimit amount owing as well as the current balance owing on the account.

* Interest free periods on purchases will only apply if you pay the full Closing Balance (or if applicable, your Adjusted Closing Balance) shown on each statement by the applicable Due Date.

Pay your ANZ credit card online

How to pay your credit card in the ANZ App

To pay your ANZ Credit Card:

  1. Log in to the ANZ App
  2. Go to your eligible Credit Card Account
  3. Tap Statements
  4. Tap Payment Options
  5. Choose one of the following payment options:
    • Pay Closing Balance
    • Pay Minimum Payment
    • Pay Other Amount
  6. Follow the prompts

 Tip - You can specify a set amount each month. If the set amount is lower, we will debit your minimum monthly payment, listed on your statement, to help you avoid any late fees.

If you have an ANZ Instalment Plan please refer to the FAQs to see payment options.

To transfer to your ANZ Credit Card: 

  1. Log in to the ANZ App
  2. Choose Transfer from you accounts screen
  3. Follow the prompts to transfer money to your ANZ Credit Card account

You can only transfer money as a one-off payment in the ANZ App. To make a recurring or future payment to your card, please refer to the Internet Banking instructions next.

How to pay your credit card in Internet Banking

To pay your ANZ Credit Card:

  1. Log in to Internet Banking
  2. Go to Payments or open your Credit Card Account
  3. Select Pay ANZ Credit Card
  4. Follow the prompts.

 Tip - You can specify a set amount each month. If the set amount is lower, we will debit your minimum monthly payment, listed on your statement, to help you avoid any late fees.

Have an Instalment Plan or Promotional Balance Transfer Plan?

If you have a Promotional Plan on your account (such as an Instalment Plan or a Promotional Balance Transfer Plan), your statement will show an 'Adjusted Closing Balance'.   

 If you pay the full Closing Balance rather than the 'Adjusted Closing Balance', you will be paying the full Credit Card Account Balance on your account, including any balance owed for Promotional Plans.

Please note that this "Pay credit card" function is not the same as CardPay Direct, and different rules apply.disclaimer

To transfer to your ANZ Credit Card:

  1. Go to Payments
  2. Select Transfer between my accounts
  3. Follow the prompts.

You can make a one off payment or transfer, recurring or future payments.

Prefer to speak to a person?

You can also make credit card payments by using phone banking or by visiting an ANZ Branch. 

Pay from a non-ANZ account with BPAYdisclaimer

You can pay your ANZ credit card from non-ANZ account using BPAY. All you need is:

ANZ's biller code: 6007

Bill reference number: Your 12-digit credit card number

Check with your institution for cut-off times and please note that BPAY payments can take 2-3 business days to reach your card account. 

BPay

Auto payments with CardPay Direct

How much you pay each month is up to you. Simply select how you'd like to manage repayments and CardPay Direct will help to keep your account in order.

  • A completely free service
  • Change the payment amount anytime
  • Cancel a payment with four days’ notice
  • Available for personal and business cards

Here's how CardPay Direct works

1

Choose your account

To get started, you'll need an account with ANZ or another Australian bank or financial institution.disclaimer Payments will be drawn from your selected account on your repayment due datedisclaimer and you can make additional payments whenever you like.

If you've made a repayment or added credit to your account before your payment's due, CardPay Direct will make allowances for the credit and continue with your selected payment choice. 

2

Choose your payment option

Minimum amount -  CardPay Direct will debit the minimum monthly payment amount.

Minimum monthly payment + more - CardPay Direct will debit the full nominated amount.

Full closing balance - CardPay Direct will debit the amount to pay your balance in full.*

* The closing balance includes any overdue/overlimit amount owing as well as the current balance owing on the account.

3

Complete and send form

Send the completed form to us by email or mail, as indicated at the bottom of page one of the form. 

Download form (PDF)

If you'd like further information on CardPay Direct, please call us on 13 22 73.

Need more help?

Message us

For fast support, message us in the ANZ App. Available 24/7.

Contact us

Don’t have the ANZ app? Download it now or find other ways to contact us.

Visit us

Find your local branch and book an appointment to visit us.

Your questions answered

Paying your card

Yes, you can make payments to an ANZ Credit Card from a non-ANZ account using one of these methods below:

  • You can use CardPay Direct - learn more
  • You can also use your other financial institution's BPAY® function to pay your ANZ Credit Card. You can find the BPAY® for your credit card on your statement. 

No. At least the minimum monthly payment needs to be paid each month to your credit card account.

If you don't pay anything in a month, you will incur a late payment fee.

Even if you make a payment before you receive your statement, you may still be required to pay a further minimum amount by the due date on your statement.

With "Pay ANZ Credit Card", the credit card payments will be made on the due date. You can find the due date listed on your account statement.

Yes. If you have set up an automatic payment via the "Pay ANZ Credit Card", these payments will be made irrespective of whether you make other payments to your credit card account.

  • If you have already made a manual payment to your ANZ Credit Card, we recommend you skip the automatic payment via the "Future Payment/Transfers" under the "Pay and transfer" menu.
  • Payments must be skipped prior to 11.59pm (AEST/AEDT) on the day prior to payment due date.
  • Any payments made after the date your statement was issued, or in addition to the amount specified on your statement, will not be taken into account when using this payment option.

When you request any automatic payment or regular payment via ANZ Internet Banking, please remember that cleared funds must be available in your account by 12.00am (midnight AEST) on the day before the scheduled payment date. Otherwise your payment will be unsuccessful.

Paying your ANZ Instalment Plan

To pay an ANZ Instalment Plan:

  1. Log in to the ANZ App
  2. Go to your eligible Credit Card Account
  3. Tap Statements
  4. Tap Payment Options
  5. Choose one of the following payment options

    6. Pay Closing Balance: Clear the balance on your credit card each month. The closing balance amount includes an active ANZ Instalment Plan balance, any overdue/over limit amount owing, including an active ANZ Instalment Plan, as well as the current balance owing on the account.

    Pay Minimum Payment: Your monthly Instalments form part of the ‘Minimum Monthly Payment’ amount you’ll see on your credit card statements whilst the Plan is active.  You’ll need to pay at least this amount to meet your Plan payments (plus any immediately due amounts) shown on your statements. Of course, you can also choose to pay more.

    You’ll find details of the Instalments, Minimum Monthly Payments, amounts owing and Due Dates in your statements of account.

    An important thing to be aware of is that your Minimum Monthly Payments may be higher while an ANZ Instalment Plan applies to your account. That's because the Instalments form part of the Minimum Monthly Payments that are due.

    Pay Other Amount:  You can use this option to pay the Adjusted Closing Balance. You will find the amount of the Adjusted Closing Balance on your statement. The Adjusted Closing Balance includes any Instalments due that statement period.

    If you are currently eligible for Interest Free Days on your credit card purchases, make sure you pay at least the ‘Adjusted Closing Balance’ while you have an Instalment Plan on your account. That way you can keep enjoying your Interest Free Days.

    It’s important to note, Interest Free Days do not apply to Amounts on an Instalment Plan (unless the Instalment Plan is a no interest Plan).

  6. Follow the prompts

At the bottom of your statement you’ll find a section called ‘Accepted Promotions’. That’s where you’ll see some details of active ANZ Instalment Plans.

Your monthly Instalments form part of the ‘Minimum Monthly Payment’ amount you’ll see on your credit card statements whilst the Plan is active. You’ll need to pay at least this amount to meet your Plan payments (plus any immediately due amounts) shown on your statements. Of course, you can also choose to pay more.

You’ll find details of the Instalments, Minimum Monthly Payments, amounts owing and Due Dates in your statements of account.

An important thing to be aware of is that your Minimum Monthly Payments may be higher while an ANZ Instalment Plan applies to your account. That's because the Instalments form part of the Minimum Monthly Payments that are due.

You’ll need to check your statement for the Adjusted Closing Balance first. Then select Pay Other Amount in the ANZ App and input your Adjusted Closing Balance as the amount to be paid.

CardPay Direct

You’ll receive a letter from us confirming that your request has been processed. In addition, your next statement will have a message advising you of the date of your first CardPay Direct payment. Please note that you will need to continue paying your account in the normal manner until ANZ advises you when the first payment will be transferred from your nominated account.

Your ANZ credit card statement might request an immediate payment if there’s an amount listed as overdue or overlimit.

In that case, we’ll increase your minimum monthly payment or set monthly amount to ensure the amount’s covered in your next repayment.

Important information

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Eligibility criteria, ANZ Instalment Plan T&Cs (PDF) apply. Fees and charges may apply.

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The ANZ Internet Banking "Pay ANZ Credit Card" payments will be made irrespective of whether you make other payments to your credit card. If you exceed your allocated credit limit, you will need to make an immediate payment yourself to ensure your credit rating is maintained and to avoid incurring interest.

If you have exceeded your credit card limit and have selected the minimum payment to be paid to your credit card, the over-limit amount and minimum payment will be charged. If, however you make a payment yourself, this will not alter or affect the Pay ANZ Credit Card payment which will occur on the due date of your payment.

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BPAY is registered to BPAY Pty Ltd. ABN 69 079 137 518. 

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Direct debiting is not available on all accounts. If in doubt, please refer to your bank or financial institution.

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You must ensure your nominated account has sufficient cleared funds in it so that the CardPay Direct payment can be made. 

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