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Find ANZ Support Centre
Find ANZ Support Centre

Manage your card online

See our simple instructions to order a replacement debit or credit card. We can show you how to pay or change your ANZ credit card. You can also add a trusted friend, partner or family member as an additional cardholder. 

 

Card not working?

This might be due to ANZ Falcon detecting a suspicious transaction. You can learn more about this here. 

If you’d misplaced your card and temporarily blocked it in the ANZ App, don’t forget to unblock it if it’s safely back with you (phew !).

There are a number of other reasons why your card might not be working, contact us for support.

Order a replacement debit or credit card

Firstly, make sure you check that your address details are up to date so you can receive your new card smoothly. You can check and update your address in the ANZ App or Internet Banking

update your address

If you are an Internet Banking for Small Business or Business Banking customer, please contact us to organise a replacement card.

How to order a replacement card in The ANZ App

  1. Log into the ANZ App
  2. Tap Support
  3. Tap on Message us
  4. Let us know you need a ‘replacement card’
  5. Follow the prompts

You should receive your card in the post within 5 to 7 working days.

How to order a replacement card in Internet Banking

  1. Log in to Internet Banking 
  2. Select your credit card or account
  3. Choose Order a replacement card from the account actions list.
  4. Follow the prompts.

You should receive your card in the post within 5-7 working days.

Card expired or expiring?

A replacement for your expiring card will automatically be sent to your mailing address (unless you’ve requested otherwise) and should arrive by the third week of the expiring month.

If you don’t receive your card seven days before the end of the month, please Message us.

Activate your card

You can activate eligible ANZ cards in the ANZ App and Internet Banking. You can also set the PIN for your card in the ANZ App.

How to activate your card

Tap into the benefits of using digital walletsdisclaimer

You can use your phone to make payments on the go by adding your eligible ANZ card to your digital wallet.

If you're replacing an existing card that's in your digital wallet, it should update automatically. That’s handy.

Add a card to your digital wallet

Online payment options

Transfer and one-off payments

Make a one-off payment or transfer from an ANZ linked account in the ANZ App and Internet Banking. Use BPaydisclaimer if paying from a non-ANZ account. 

Minimum monthly payments

Your minimum monthly payment is the minimum amount you must pay to your credit card every month. This includes an ANZ Instalment Plandisclaimer payments due if you have an active plan in progress. Refer to your account statement.

Set monthly payments

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. 

Full closing balance

Clear the balance on your credit card each month. The closing balance amount includes any overdue/over limit amount owing as well as the current balance owing on the account.

Pay your ANZ credit card

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 and follow the prompts

You can make a one off payment or transfer, recurring or future payments. 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. Tap Transfer from your accounts screen
  3. Follow the prompts to transfer money to your ANZ Credit Card account

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.

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.

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

Find out more about CardPay Direct

Request a credit card payout figure

How to request a payout figure in the ANZ App

  1. Log in to the ANZ App
  2. Tap Support
  3. Tap Message us
  4. Follow the prompts and ask for a 'Credit Card Payout Figure'

You will receive your payout figure by return message in the ANZ App.

Alternatively, you can call us to request a payout figure.
Contact the ANZ Cards team

How to request a payout figure in Internet Banking

  1. Log in to Internet Banking 
  2. Click on Contact from your top right options 
  3. Select Card enquiry and then General Card enquiry
  4. Using the drop-down options, first choose your card and second, select Request for payout figure. 
  5. Follow the prompts to submit.

You'll get a reply in your Internet Banking secure mailbox once we've actioned your request. Simply click on Mail in the top left options.

Alternatively, you can call us to request a payout figure.
Contact the ANZ Cards team

Change your credit card limit or type

How to change your credit card limit in Internet Banking

  1. Log in to Internet Banking 
  2. Select your Credit Card Account
  3. Select Increase your credit limit or Decrease your credit limit (as appropriate) from the account actions
  4. Follow the prompts.

To increase or decrease your credit limit you must be the primary credit card holder. All credit card limit increases are subject to our lending criteriadisclaimer. 

Alternative ways to change your credit card limit

How to change your credit card typedisclaimer in Internet Banking

Not sure what type of card you need?  Explore ANZ credit cards

  1. Log in to Internet Banking 
  2. Select your Credit Card Account
  3. Select Change your Credit Card Typedisclaimer from the account actions
  4. Follow the prompts.

Only the primary cardholder can request to change their credit card type.

Close your credit card

To close your account, please ensure:

  • your account contact details are up to date with ANZ
  • you've paid off your outstanding balance (including any amounts pending)
  • download and save any statements you may require in the future. Online access to statements will no longer be available once your account is closed.

How to close your credit card in the ANZ App

  1. Log into the ANZ App
  2. Tap Support
  3. Tap on Message us
  4. Follow the prompts and ask to ’Close your credit card’

Alternatively, you can call us to request account closure.
Contact the ANZ Cards team

How to close your credit card in Internet Banking

  1. Log in to Internet Banking 
  2. Select your Credit Card Account
  3. Choose Request for account closure from the account actions
  4. Follow the prompts.

Redeem your points

Check your points balance or redeem your points online, from your ANZ Rewards or Frequent Flyer credit cards. We can show you how!

How to redeem points

Add an Additional Cardholder

If you'd like to allow a close friend or family member to make purchases on your ANZ Credit Card account, in some circumstances they can be issued with a card of their own. ANZ refers to such a person as an "Additional Cardholder".

The "Add an Additional Cardholder" function makes adding an Additional Cardholder to your ANZ Credit Card easy. All you need to do is complete the cardholder's details and accept a declaration of your responsibilities as the primary cardholder.

Note: Although Additional Cardholders can charge their purchases to your ANZ Credit Card account, you are still responsible for meeting the repayment obligations.

How to add an Additional Cardholder in Internet Banking

  1. Log in to Internet Banking 
  2. Select your credit card account
  3. Select Add an additional cardholder from the account actions
  4. Follow the prompts.

Note that only the primary credit cardholder can submit a request for an additional credit cardholder.

Alternative ways to add an additional cardholder

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

General

If your ANZ Credit Card that you wish to pay is not displayed, you may perform one of the following three options:

  • please contact the ANZ Internet Banking Helpdesk to link your ANZ Credit Card to your ANZ Internet Banking. This will be done immediately
  • you may also send us a SecureMail requesting to link your ANZ Credit Card. This may take up to 48 hours to be processed
  • You may also visit your nearest ANZ branch to link your ANZ Credit Card to your ANZ Internet Banking. This will also be processed immediately.

If both your credit card accounts appear with the same name and it is difficult to differentiate between the two, you may use the "Personalise accounts" function to give them different names.

A standing authority is when you give a merchant your debit or credit card number and authorise them to use it to transact on your ANZ account.

This is a bit different to a direct debit which is a payment you have authorised a merchant to collect from your ANZ account by giving them your BSB and account number.

We can’t stop or cancel a standing authority for you so you must ask the merchant with the authority to stop using it. This might be a merchant who you’ve authorised to debit your card on a regular basis to pay, for example: a gym membership or streaming service.

If the merchant does not agree to process your request, you can dispute a transaction in ANZ Internet Banking, or using the ANZ App on the basis that you did not authorise the payment. You’ll need to wait until the payment has been processed. You may also need to show proof that you had previously contacted the merchant to cancel the standing authority. If you’re having trouble, please contact us.

Replacement card

Yes. You will be able to use the current card up until the new card is activated.

Your existing card will become inactive once you activate your new card(s).

If your card is lost or stolen, please let us know straight away. You can even block a misplaced card using the ANZ App and unblock it in seconds when you find it. Or if the card is completely lost or stolen you can report this immediately within the ANZ App.

How to report a lost or stolen card

Yes. If you are an additional cardholder, you can request a replacement card in ANZ Internet Banking using the steps above.

Yes, unless your card(s) have been reported as lost or stolen. 

Your PIN(s) will remain unchanged unless a new PIN has been requested or you have changed your PIN using the ANZ App.

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. 

The credit limit is the amount you have been approved to spend on your credit card.

  • From time to time there may be a debit made to your Credit Card Account, which, if processed, would temporarily result in the outstanding balance exceeding your credit limit.
  • ANZ has an informal overlimit facility to help you in these circumstances.
  • Please note an overlimit fee will be charged in these circumstances.
  • You can ask ANZ to decline certain transactions so that you don't exceed your credit limit. 
  • Please refer to the ANZ Credit Cards Conditions of Use for further information.

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.

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 Adjust 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

Reward points

Your Qantas Frequent Flyer points are credited to your Qantas Frequent Flyer account within two business days of the date that your ANZ Credit Card statement is sent to you each month.

To see what you can redeem your Reward Points for and your Reward Point balance, take a look at the ANZ Rewards website, or you can call the ANZ Rewards Centre on 1300 367 763 Monday to Friday 8am to 8pm (AEST/AEDT).

Paying your ANZ Instalment Plan

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.

Credit card limit or type

No. You must be a primary credit card holder to request a credit card type change.

Note: If the primary cardholder changes their credit card type, as the additional cardholder, you’ll also be transferred to the new credit card account.

No. To request a change to your credit card account limit, you must be a primary credit card holder.

This helps us determine that you can meet the repayment obligations for the new limit without substantial hardship. The assessment of your application is subject to having the required available monthly income.

Additional cardholder

It will take up to 10 business days from approval for you to receive your additional credit card.

No. Additional cardholders cannot share your customer registration number (CRN). They can access the credit card account through their own CRN by getting the additional card issued to them linked to their ANZ Internet Banking.

No. Each additional cardholder will be issued with their own PIN. Under no circumstances should you share your PIN with anyone.

Yes, however they will need to visit a branch so the additional cardholder can complete the ANZ Customer Identification Process.

Note that additional cardholders must be at least 16 years of age.

Yes. All transactions posted to the account will also be visible to any additional cardholder of the account via ANZ Internet Banking.

Yes, they can report their card lost or stolen in the ANZ App.

How to report a lost or stolen card

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 at www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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

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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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Credit limit increases are not available on the ANZ Visa PAYCARD or the ANZ Rewards Visa PAYCARD as these cards have a maximum credit limit of $400.

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This service is available for consumer credit cards only. To change your business credit card type, please visit your ANZ branch.

This service is only available for currently promoted ANZ Credit Card products. If you wish to change from card products no longer promoted you will need to visit your ANZ branch or call us on 1800 007 511.

Your request to change your card type will not change your existing credit limit.  Your existing credit limit will apply to the new ANZ credit card you change to.  If you request to change to a new ANZ credit card that has a minimum credit limit that is more than your existing credit limit, ANZ will not accept your request.

The interest rates, fees, charges, features and benefits for each ANZ credit card can vary.  You should carefully review the rates, fees, charges, features and benefits of your existing ANZ credit card and compare them to those that apply to the new ANZ credit card that you are requesting to change to.  Information about all ANZ credit cards is available on www.anz.com and you can use the "Compare ANZ credit cards" link to help you compare some of the rates, fees, charges, features and benefits of your existing card and the cards available to change to.  You can also compare some of the key information relevant to each ANZ credit card by reading the Key Facts Sheet (PDF) and reviewing the ANZ Consumer Credit Cards Fees and Charges (PDF) and the ANZ Personal Banking General Fees and Charges Booklet (PDF).

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