Informal overlimit service

We understand from time to time you may experience those unexpected situations where you prefer the flexibility to temporarily exceed your credit card limit. For credit card accounts opened on or after 18 June 2012, ANZ may do this where:

  • you consent to being charged a $20 Overlimit Fee (charged at a maximum of once per statement period*); and
  • the transaction and your circumstances meet certain criteria.

However even if you don't provide consent, ANZ may still process non-electronic transactions, direct debits or interest, fees and charges in excess of your credit limit, but you will not be charged a fee in these circumstances.

The fee will be charged once per statement cycle – only if you go over your limit. You can withdraw your consent at anytime.

To provide your consent simply follow instructions below.

*You will not be charged an Overlimit Fee if you hold an ANZ Access Basic Account and you have notified us of it.

Help me

To provide your consent:

If you are interested in providing your consent:


See also

To provide your consent, follow the steps below.

Step 1 – Select your credit card
  • From the home page, select your credit card account
Step 2 - Select ‘Informal Overlimit Service’ option
  • Select the ‘Informal Overlimit Service’ account action that will be available in Account Overview – Credit Card screen
Step 3 - Read ‘Introduction’ information
  • Located on the Informal Overlimit Service screen provides some introductory information
  • Please read this information carefully
    If you are interested in accessing the Informal Overlimit Service
    • If you have read the introductory information provided and wish to continue, please proceed with the following steps
Step 4 - Select credit cards
  • Credit card accounts that have not been registered for informal overlimit service will appear under the section titled 'Credit card accounts not yet registered'
  • From the credit cards available in this section (there may be more than one), select the credit cards that you wish to access informal overlimit service for
Step 5 – Confirm you have read and understood the ‘How to provide consent’ section
  • Select the option available to acknowledge that you have read and understood the information provided
Step 6 - Click ‘submit’ button to confirm request
  • To submit your request to access informal overlimit service for the selected credit cards, select ‘Submit’.

Need more help?

Would you like ANZ to provide you a overlimit service?

How do I provide consent?
Log onto ANZ Internet Banking or contact ANZ anytime on 13 22 73 or return the ‘Overlimit Fee  Consent form'
If I change my mind how do I withdraw my consent?
To opt out (withdraw consent) complete the 'Overlimit Fee Opt Out/Withdraw Consent Form', call us on 13 22 73 or visit any ANZ branch.
Informal Overlimit Service Forms

Need more help?

  •  Choose another topic from the table of contents.

For further assistance please call the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.