ANZ Balance Visa
Moneybuddy says
The ANZ Balance Visa offers 0% p.a balance transfers for 6 months and a reasonable interest rate on purchases. You get 1 Reward Point for every $1 you repay to your balance and you can choose how you would like to be rewarded - Cashback, Shopping Vouchers or Gift Cards, and how often you would like to be rewarded - every 3, 6 or 12 months. There is an annual account fee and also an additional rewards program fee (per card), as well as a $10 additional card holder fee. The card has a high cash advance rate, but does offer 55 days interest free and up to $15,000 credit limit.
The Basics
Card class Visa
Card type Credit card
Purchase rate 13.74%
Balance transfer rate 0%
Annual fee $79
The cool stuff: features
Reward program Yes
Reward program name Cashback, Shopping Vouchers
Reward program details * Earn one rewards point1 for every $1 you repay to your balance, including repayments to purchases, fees, interest, cash advances and repayments on balances transferred.* Redeem rewards points for Cashback, Shopping Vouchers and Gift Cards.* Set up auto-redemption so your chosen reward is automatically sent to you when you are eligible for it.* Rewards Points never expire as long as your account remains open.
Reward program terms 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).
Additional card holder Yes
Add. card holder details $10 additional card holder fee
Purchase security No
Extended warranty No
International travel insurance No
Online access No
Phone access No
The Facts & Figures
Purchase rate 13.74%
Cash advance rate 20.99%
Introductory purchase rate -
Introductory purchase rate period -
Introductory balance transfer period 6 months
Balance transfer rate 0%
Introductory balance transfer rate 0%
Interest free days 55 days
Minimum repayment -
Min. credit $1,000
Max. credit -
Cash advance limit $0
Cash advance limit period 0
The ugly stuff: fees
Reward program fee $22
Late payment fee -
Atm fee $0
Foreign exchange fees -
* Important note: All information provided by advertiser or taken from advertiser website and correct at time of publishing. If this information is incorrect, please contact us.
ANZ says
An ANZ Balance Visa credit card may be suitable for you if you would like to:* take up a rewards credit card with low rate on purchases* be rewarded for reducing your balance on your rewards points credit card* have 24/7 Falcon™ around the clock monitoring for suspicious transactions on your ANZ Balance Visa credit card.
Key features
- 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 interest rate on purchases of 13.49% p.a.
- For a limited time, save with 0% p.a. on balance transfers for the first 6 months
- ANZ FalconTM – provides advanced around the clock monitoring for suspicious transactions
- Online Shopping guarantee
Pros
- 0% p.a balance transfers for 6 months
- 1 Reward Point for every $1 you repay to your balance
- Choose how you would like to be rewarded and how often you would like to be rewarded
Cons
- High interest rate on cash advances
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