ANZ

Looking for a business card? Try the ANZ Business One Visa credit card.

Don't want to apply online? It's easy, simply call us on 13 22 73 or visit any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

* The standard variable interest rate for ANZ First Visa and ANZ Gold is 19.24% p.a., for ANZ Frequent Flyer Visa, ANZ Frequent Flyer Visa Gold and ANZ Frequent Flyer Platinum Visa is 19.99% p.a., for ANZ Low Rate MasterCard the standard variable interest rates are 12.41% p.a. on purchases and 20.41% p.a. on cash advances, for ANZ Balance Visa is 13.41% p.a. on purchases and 20.41% p.a. on cash advances, for ANZ Rewards and ANZ Rewards Gold the standard variable interest rate is 19.99% p.a. These rates are current as at Tuesday, 18 November 2008 and are subject to change.

1. Not available when you transfer and close an existing ANZ card account. The balance transfer must be completed at the time of applying for your new ANZ Low Rate MasterCard or at the time of activation of your new ANZ Low Rate MasterCard. The balance transfer interest rate reverts to the standard variable rate on your card after the first six months from the date of card approval and any balances that remain unpaid at the end of this period will become subject to the standard variable interest rate applicable to purchases. Interest accrues on balance transfers from the date the transfer is processed by ANZ. Terms and conditions apply to balance transfers (please call 13 22 73 for a copy).

2. Reward Points are not earned on Cashback transactions to your account. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards Visa - Rewards Program Terms and Conditions (please call 13 22 73 for a copy).

3. Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Visa Reward Terms and Conditions (please call 13 22 73 for a copy). Limits apply to the number of points you can earn in a monthly statement cycle. These limits do not apply to Bonus points. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer Points. A joining fee applies. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program.

4. $200 excess fee applies. Overseas Travel and Medical Insurance is underwritten by AIG Australia (ABN 67 007 483 267). Terms and conditions apply. For more information, please call 13 22 73. To be eligible for ANZ Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your ANZ credit card prior to departing Australia, and have a return ticket to Australia within four months of departure (or for ANZ Frequent Flyer Platinum Visa, within six months of departure) and be under 80 years of age.

5. 90-day Purchase Security Insurance is underwritten by Zurich Australian Insurance Limited. Terms and conditions apply. For more information please call 13 22 73.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation (DUNS) ABN 074 664 715. ANZ's colour blue is a trademark of ANZ.

Don't want to apply online? It's easy, simply call us on 13 22 73 or visit any ANZ branch.

• Product Disclosure Statement - including fees and charges (PDF, 404kb)

1. Non-ANZ ATM fees, overseas ATM fees and currency conversion fees may apply.

2. A student account needs to be renewed every 12 months with proof of enrolment at an Australian education institute in order to receive the discount on the monthly account fee.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation (DUNS) ABN 074 664 715. ANZ's colour blue is a trademark of ANZ.

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^ Terms and conditions apply (PDF, 32kb)

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