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Credit Cards & Visa Debit

ANZ Balance Transfer Calculator

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Balance transfer benefits:

  • you could save money on interest repayments
  • you could reduce the amount of fees you have to pay if you are paying fees across a number of credit and store cards
  • having one credit card and one repayment arrangement could be easier than managing multiple card repayments
  • you can transfer your balances from non-ANZ cards onto any ANZ personal credit card (subject to approval by ANZ).

Balance Transfer Calculator

Your non-ANZ card

Enter the balance: $
Enter the annual Interest Rate: (%p.a.)

ANZ credit card

Enter the Balance Transfer Interest Rate: (%p.a.)

FAQs    reset calculate

For more information on credit card balance transfers please read the Balance Transfer FAQs.


This is an estimate only. It is provided for illustrative purposes only and is based on the accuracy of the information provided. It does not constitute a quote. The estimated saving is rounded to the nearest whole dollar and assumes that the relevant balance transfer interest rate is fixed for twelve months. It also assumes that no transactions to your credit card account will be made during that twelve month period, and that you will pay an amount equal to 2% of the amount outstanding on your credit card account each month by the applicable due date.

Balance transfers resulting from certain promotional balance transfer offers attract a one-off Balance Transfer Fee (calculated as a percentage of the amount transferred). In addition, standard (i.e. non-promotional) 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 to an ANZ Balance Visa account requested at the time of credit card application. The calculator assumes that no Balance Transfer fee is applicable.

ANZ will not store the information provided in this calculator.

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