Credit cards, low rate & reward cards

You can decrease your credit limit in the app or through online banking, and apply to increase your credit limit in the app. If you’re applying for an increase, we’ll need a few details about your financial situation and your application will be subject to credit assessment. Unlock convenience and competitive rates with our range of credit cards designed with your best interests at heart. Mobile payments available on compatible devices and eligible ANZ cards. Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF), Fitbit Pay (PDF) and Garmin Pay (PDF). If the overseas transaction is refunded and processed to your account either before or after 8 December 2025, the Overseas Transaction Fee will not be refunded.

Now enhanced with Confirmation of Payee, which checks if the BSB and account number matches the name given before you pay. As a B Corp, we’re part of a global community of businesses that meet high standards of social and environment impact. Limited to cash held in a Summerland savings or fixed term deposit account.

Using your card

You must first register and opt in to take advantage of this feature. To redeem an offer visit the Mastercard Travel Pass website or app, select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Visit Mastercard Travel Pass website for information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions. Please review Mastercard Travel Pass Terms & Conditions before you make your first lounge visit.

Can I transfer my balance from another bank’s credit card?

You must be sure you will be able to repay a credit card before you take one out. If you miss a repayment due date you may have to pay interest and other fees and charges. It’s really important to understand your payment obligations and how credit card statements are structured.

• Our credit card education section contains a lot of useful information on your payment obligations and how credit cards work.
• Earn Qantas Points directly into your Qantas Frequent Flyer account.
• It provides an estimate of how long it will take an account holder to pay off a credit card Closing Balance for a particular month if the account holder only pays the Minimum Monthly Payment each month.
• This offer may be repeated from time to time, withdrawn, varied, or extended at any time.

Individual(s) under the age of 30, New Arrivals, and students are ineligible for this Offer. This offer is not applicable to the Westpac Choice Concession account. For joint accounts, individuals must meet the eligibility criteria for the fee waiver to apply.

It also provides an estimate of how much interest you could end up paying over that timeframe (assuming you make no new transactions, and fees and interest don’t change). The second scenario gives an estimate of how much you’d need to pay each statement period to pay off the closing balance in two years (assuming you make no new transactions, and fees and interest don’t change). This scenario includes an estimate of how much you could save in total interest charges. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the Qantas website.

For more details of transactions that are not eligible to earn Qantas Points and how these transactions are identified, please refer to the ANZ Frequent Flyer Reward Terms and Conditions (PDF). Cash advances, gambling transactions, balance transfers, purchases on a promotional offer and purchases made more than 30 days prior aren’t eligible. You won’t be able to apply for an Easy Instalments plan if you don’t meet our eligibility criteria (e.g. if you’ve exceeded your limit or if you’re in default).

For more details of transactions which are not eligible to earn ANZ Reward Points and how these transactions are identified please refer to the ANZ Rewards Program Terms and Conditions (PDF). Minimum monthly payments apply during the interest free period. Offer available in respect of balances transferred from non-Summerland credit card accounts issued in Australia only. Target market determination available on request at our branches. Offer available to new bitstarz and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. The annual fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at  and is subject to change.

Add your card to your digital wallet, then spend instantly with Apple, Google or Samsung Pay. Check out your amount owing, and get optional alerts when your next repayment is due. No need to hunt for a transaction – see what you’ve spent across your accounts at a glance. Flexible credit options for daily spending, emergencies or making the most of your points. I want to earn Qantas Pointsdisclaimer and start booking flights, hotels and travel upgrades. Make full use of our customer-only discounts and cashback offers, including special ShopBack deals.

How about using your points to pay for school fees, home renovations or that pair of new boots you’ve been eyeing? Maybe to spoil your partner with a fancy anniversary dinner? With Westpac’s Aussie-first Pay with Points feature, simply “tap, tap, pay” and use your points anywhere Mastercard ® is accepted.