ANZ Balance Visa

Find out exactly what makes the ANZ Balance Visa a unique credit card. Take advantage of a on balance transfers to save yourself hundreds of dollars.

The very best ongoing interest rate you could be enjoying right now on your credit card would be around the 10% mark. Switching your debt to an ANZ Balance Visa would therefore allow you to cut your rate by 7%. More probably, though, you will have an interest rate of closer to 15%, which would mean a saving of 12% on your debt. Over the course of a year, that could equate to hundreds of dollars saved on interest charges. The regular purchase interest rate on the ANZ Balance Visa is a respectable p.a.

The ANZ Balance Visa is also unique in the Australian credit card market for its rewards program. Credit card providers make most of their money from the interest that is paid by customers on any unpaid balance carried over from one month to the next. Therefore, although credit card providers take the responsible approach and always advise that you pay off your debts in full, they don’t really want you to. You can’t knock them for it; it’s simple business.

With the ANZ Balance Visa credit card, ANZ bucks the trend by actually giving the customer an incentive to pay down their balance each month. For every dollar paid off your ANZ Balance Visa card, you earn one point, and there are no restrictions imposed. It doesn’t matter whether you are paying off regular credit card spending, interest charges, balance transfers, card fees, or even cash transactions such as ATM withdrawals; if you pay a dollar off, you earn one point.

These points are ultimately redeemable for shopping vouchers, gift cards, or the popular choice of cashback paid to your account in $20, $50 or $100 denominations. The more you pay back the more cashback is due, and this will further help to reduce your balance, so you’re winning two ways with the ANZ Balance Visa rewards program. Plus, you can decide how you want to redeem your reward points, either via an auto-redemption or a manual option, and your points never expire so long as your account remains open.

Key features of the ANZ Balance Visa

• Balance transfer of
• Earn 1 Reward Point for every $1 you repay on your balance
• Redeem your points for cashback, shopping vouchers and gift cards from some of Australia’s leading retailers
• Impressive purchases interest rate of p.a.
• 55 days interest-free on purchases
• Annual fee of

If you think on balance transfers and a ground-breaking rewards program would suit your style, then what are you waiting for?