All applications for credit are subject to ANZ's credit assessment criteria. Terms and conditions are available on application. Fees and charges apply.

The standard variable interest rate for ANZ Balance Visa is 13.24% p.a. on purchases and 20.49% p.a. on cash advances. These rates are current as at Friday, 20 November 2009 and are subject to change.

1. Offer available to applicants who apply for a new ANZ Balance Visa by 7 November 2009. Not applicable when you transfer or close an existing ANZ credit card. The balance transfers must be completed at the time of applying for or, at the time of activating your new credit card. The balance transfers interest rate reverts to the standard variable interest rate applicable to purchases on your card after 12 months from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate. Interest accrues on balance transfers from the date the transfer is processed by ANZ. Balance transfers to an ANZ Balance Visa account will be subject to a 1% fee on the amount transferred. This fee will not apply to balance transfers requested at the time of credit card application.

2. 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).

3. Includes a $22 Rewards Program Services Fee, which applies per card issued under your account. An annual $10 Additional Cardholder Fee also applies for each additional card.