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Terms and conditions are available on application.
Fees and charges apply. Standard variable rate is 12.99% p.a. on purchases and 20.99% p.a. on cash advances for ANZ Low Rate MasterCard, 19.49% p.a. for ANZ First Visa, 13.99% p.a. on purchases and balance transfers and 20.99% p.a. on cash advances for ANZ Balance Visa, 19.49% p.a. ANZ Gold and 20.74% p.a. for ANZ Frequent Flyer Visa, 20.74% p.a. for ANZ Rewards Visa as at Thursday, 3 July 2008 and is subject to change.

¹ Subject to ANZ Designmycard Image Guidelines and Terms and Conditions.

² Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Visa Reward Terms and Conditions (please call 13 22 73 for a copy). Limits apply to the number of points you can earn in a monthly statement cycle. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer Points. A joining fee applies. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program.

³ Overseas Travel and Medical Insurance is underwritten by AIG Australia (ABN 67 007 483 267). Terms and conditions apply. For more information, please call 13 22 73.

⁴ Extended Warranty and 90-day Purchase Security Insurance are underwritten by Zurich Australian Insurance Limited. Terms and conditions apply. For more information please call 13 22 73.

⁵ Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards Visa - Rewards Program Terms and Conditions (please call 13 22 73 for a copy).

⁶ ANZ Rewards Visa a total annual fee of $48 applies which includes $22 Rewards Program Services Fee, the latter charged per card issued under the account. For ANZ Rewards Visa Gold a total annual fee of $79 applies which includes a $22 Rewards Program Services Fee, the latter charged per card issued under the account.

⁷ Not applicable when you transfer and close an existing ANZ credit card. The balance transfer must be completed at the time of applying for or, at the time of activating your new credit card. The balance transfer interest rate reverts to the standard variable interest rate applicable to purchases on your card after six 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 applicable to purchases. Interest accrues on balance transfers from the date the transfer is processed by ANZ.

⁸ ANZ Frequent Flyer Visa a total annual fee of $95 applies which includes $40 annual account fee (plus $10 for each additional card) and a $55 Rewards Program Services Fee per card issued under your account. For ANZ Frequent Flyer Visa Gold a total annual fee of $150 applies which includes $95 annual account fee (plus $10 for each additional card) and a $55 Rewards Program Services Fee per card issued under your account. For ANZ Frequent Flyer Visa Platinum a total annual fee of $195 applies which includes $140 annual account fee (plus $10 for each additional card) and a $55 Rewards Program Services Fee per card issued under your account.

⁹ 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 (please call 13 22 73 for a copy).

¹⁰Included 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.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation (DUNS) ABN 074 664 715. ANZ's colour blue is a trademark of ANZ.