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ANZ Balance Visa

 
 
Product Image


Purchase Rate 14.49%
Cash Advance Rate 21.74%
55 days
Interest Free
$79
Annual Fee

  • ANZ Balance Visa rewards you for reducing your credit card balance, including repayments on your regular credit card spending, interest and fees on your card and balance transfers from non-ANZ credit cards.
  • Redeem Rewards Points for cashback, shopping vouchers and gift cards.
  • Visa Entertainment providing you with access to special events, exclusive merchandise packages and home entertainment products.

Card Details

Rewards Program Y Overseas ATM Availability Y
Insurance Cover for Purchases N Interest Paid on Credit Balance N
Automatic Travel Insurance N    


 
  • Earn 1 Reward Point for every $1 you repay to your balance, including interest and fees on your ANZ Balance Visa and repayments on any balances transferred
  • Redeem Reward Points for Cashback, Shopping Vouchers and Gift Cards
  • No limit to the number of Reward Points you can earn
  • Your Reward Points will not expire as long as your account remains open
  • The ability to set up an Auto-Redemption so your chosen reward is automatically sent to you when you are eligible for it.
 
Rewards Points per Dollar 1
Spend to Redeem $100 Gift Card* $19980
Spend at Loyalty Partner for $100 Gift Card*
Linked to Frequent Flyer Y
Frequent Flyer Ratio
SPEND FOR SYD/MEL RETURN*


Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions Reward Points are not earned on Cashback transactions to your account. Reward Points accrue in accordance with the ANZ Balance Visa Rewards Program Terms and Conditions (call ANZ on 13 22 73 for a copy).
Annual Fee $79 Minimum Repayment 2%
Annual Fee First Year $79 Interest Charged From PurchaseDate
Rewards Joining Fee 22 Late Payment Fee $20
Supplementary Card Fee $10    
Duplicate Statement Fee $0 Overseas ATM Balance Fee $0
Transaction Verification Fee $0 Overseas ATM Withdrawl Fee $0
Over Limit Fee $20 Overseas Emergency Card Replacement Fee
 

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* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

American Express® is a registered trademark of American Express Company.
Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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Our Take On This Card
Pros
  • Earn 1 Reward Point for every $1 you repay to your balance, including interest and fees on your ANZ Balance Visa and repayments on any balances transferred
  • Reward Points redeemable for Cash Back, Shopping Vouchers and Gift Cards
  • Competitive purchase rate
Cons
  • High cash advance rate
Summary

Earn reward points for every dollar you repay to your balance, redeemable for cash back, shopping vouchers and gift cards,