Anz visa application form

To apply for an ANZ credit card, you’ll need to:

• Be at least 18 years old
• Receive a regular income
• Have enough money left over, after your expenses, to meet your credit card repayments
• Be a New Zealand citizen, permanent resident or, if a non-resident, have a work visa issued for two years or longer with at least one year left.

If you’re a tertiary student, you’ll also need to:

• Have any income, student allowance or student loan credited to your ANZ account
• Be studying full-time at a government-recognised tertiary institution or a NZQA-approved language school with at least six months left on your course
• If you’re an international student, have at least six months left on your student visa.

Additional lending criteria may apply

We’ll discuss this with you during your application process.

How to apply

Apply online

Apply for an ANZ Low Rate Visa.

Call us

Monday to Friday, 8am - 7pm

Saturday and Sunday, 9am - 5pm

From overseas: +64 4 470 3142

Visit us

Find your local branch and make an appointment to visit us.

Not an ANZ customer?

You’ll need to join ANZ first.

Join using the ANZ goMoney app by downloading it, then select Not a customer? Join ANZ > Join ANZ with a profile only. After that, you can apply for a credit card in the app or online.

Banking with ANZ

Manage your card online

Manage your card and payments online with ANZ Internet Banking and the ANZ goMoney app. Set up regular payments, temporarily block your card, manage your PIN, report a lost or stolen card, and more.

Pay with your device

Pay using your compatible device with Apple Pay — or Google Pay™ — anywhere you can tap and pay.

Understanding credit cards

Credit cards can be convenient, but it’s important to manage this debt well. It’s a good idea to think about:

• What is a credit card
• How to avoid paying interest
• Tips to pay off your credit card
• Support if you face financial stress.

Credit card security

Visa Zero Liability

Visa’s Zero Liability — policy means you’re not liable for unauthorised transactions on your card, provided you haven’t contributed to the loss in any way and you notify us within a reasonable time if your card is lost or stolen.

Fraud monitoring

ANZ’s fraud monitoring system helps to identify suspicious purchasing activity on your card account. If we suspect fraudulent activity, we’ll try to contact you to confirm the transaction. If we can’t contact you, we’ll make a decision on whether we need to block your account until we can reach you.

Lost or stolen cards

If you have lost your credit card, you can cancel your card and order a replacement one if required in ANZ Internet Banking or goMoney (under 'Manage Cards') or by calling us.

Important information

This is for information purposes only, talk to us for financial advice and see our advice statement (PDF 39.8KB).

Interest rates are subject to change. Lending criteria, terms and fees apply to all ANZ credit cards. You must repay your balance in full by the due date each month to get the benefit of interest-free days on purchases. Other interest rates apply to purchase and cash advances. Read more about our Rates, fees and agreements.

Eligibility criteria and terms and conditions apply to ANZ Internet Banking, ANZ goMoney and ANZ Phone Banking. See our Electronic Banking Conditions (PDF 138KB) for more information.