Pay my ANZ Credit Card

We make it easy for you to pay your ANZ Credit Card online.

  • Choose the linked account to pay your ANZ Credit Card from.
  • Then choose to make a one off payment or recurring credit card payments.
  • You can also pay your ANZ Credit Card using either our Pay BPAY® bills or transfer between my accounts services.

Remember the ANZ Credit Card account you wish to pay must be linked to your ANZ Internet Banking.

Help me

FAQs

See Also

Use our faqs to find out more about paying your ANZ Credit Card online.

What is the "Pay ANZ Credit Card" facility?

The "Pay ANZ Credit Card" is a facility available in ANZ Internet Banking, which allows you to arrange regular payment to your ANZ Credit Card on the due date or at regular intervals from one of your linked accounts.
Why does my ANZ Credit Card not appear in ANZ Internet Banking?

If your ANZ Credit Card that you wish to pay is not displayed, you may perform one of the following three options:

  • please contact ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week to link your ANZ Credit Card to your ANZ Internet Banking. This will be done immediately.
  • you may also send us a SecureMail requesting to link your ANZ Credit Card. This may take up to 48 hours to be processed.
  • You may also visit your nearest ANZ branch to link your ANZ Credit Card to your ANZ Internet Banking. This will also be processed immediately.

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How can I differentiate between two cards of the same account name?

If both your credit card accounts appear with the same name and it is difficult to differentiate between the two, you may use the "Rename and reorder account list" facility available on the "View Accounts" page to rename your accounts differently.

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Can I make a regular payment from a non-ANZ account?

You can make regular payments to an ANZ Credit Card from a non-ANZ account. But this cannot be set up on ANZ Internet Banking. You need to set up a direct debit or CardPay Direct for this. You can download the required form via ANZ Internet Banking too.

For Cardpay Direct set up:

  • Go to the "Pay ANZ Credit Card" page.
  • Click on the "Set up a direct debit" on the first line.
  • You can then print and complete the CardPay Direct Application form, then return it by post to the address on the form.

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What is my monthly account statement?

Your monthly account statement shows the transactions made on your ANZ Credit Card during the statement period.

  • It will also show any fees or interest charged.
  • You should check your account statement carefully and call the ANZ Cards Service team on 13 22 73 (International callers: +613 9683 7043) 24 hours a day, seven days a week if you have any questions.

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What is a credit limit?

The credit limit is the amount you have been approved to spend on your credit card.

  • From time to time there may be a debit made to your credit card account, which, if processed, would temporarily result in the outstanding balance exceeding your credit limit.
  • ANZ has an informal overlimit facility to help you in these circumstances.
  • Please note an overlimit fee will be charged in these circumstances.
  • Your can ask ANZ to decline certain transactions so that you don't exceed your credit limit. 
  • Please refer to the ANZ Credit Cards Conditions of Use for further information.

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Can I pay a lump sum for my minimum payments and then nothing for a while?

No. At least the minimum monthly payment needs to be paid each month to your credit card account.

  • If you don't pay anything in a month, you will incur a late payment fees.
  • Even if you make a payment before you receive your statement, you may still be required to pay a further minimum amount by the due date on your statement.

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If I set up "Pay ANZ Credit Card" when will the automatic payment be made?

With "Pay ANZ Credit Card", the credit card payments will be made on the due date.

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If I manually pay my card's balance, will my automatic payment still be made?

Yes. If you have set up an automatic payment via the "Pay ANZ Credit Card", these payments will be made irrespective of whether you make other payments to your credit card account.

  • If you have already made a manual payment to your ANZ Credit Card, we recommend you skip the automatic payment via the "Future Payment/Transfers" under the "Pay and transfer" menu.
  • Payments must be skipped prior to 12.00am (midnight AEST) on the day prior to payment due date.
  • Any payments made after the date your statement was issued, or in addition to the amount specified on your statement, will not be taken into account when using this payment option.

If you exceed your allocated credit limit, you will incur an over-limit fee.

  • You will need to make an immediate payment yourself to ensure your credit rating is maintained and to avoid incurring interest.
  • The scheduled "Minimum monthly payment" does not include any overdue/over limit amounts.
  • Any overdue/over limit amounts need to be paid immediately.

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I had sufficient funds in my account on the due date but the payment failed. Why?

When you request any automatic payment or regular payment via ANZ Internet Banking, please remember that cleared funds must be available in your account by 12.00am (midnight AEST) on the day before the scheduled payment date. Otherwise your payment will be unsuccessful.

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Need more help?

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.

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  • Please check that each payment has been successful as interest may accrue if the payment is unsuccessful.
  • If you have a query about a credit card payment you can send us a SecureMail.
  • When you request a monthly payment, please remember that cleared funds must be available in your account at 12.00am (midnight AEST) on the day before the scheduled payment date or your payment will be unsuccessful.

Immediate payments submitted before 10.00pm (AEST) on a bank business day are processed on that day, but if submitted after 10.00pm (AEST) or on weekends or public holidays are processed on the next bank business day.

  • To delete a future dated transfer, go to future payments/transfers. Payments must be cancelled or deleted prior to 12.00am (midnight AEST) on the day prior to payment.
  • You cannot delete or cancel an immediate payment or payment to be processed today.

To pay your ANZ Credit Card:

  • Go to the "Pay and transfer" menu
  • Select the "Pay ANZ Credit Card" option and follow the steps below.

Alternatively you can:

  • Go to the "View Accounts" page.
  • This is the first page you see when you log on to ANZ Internet Banking.
  • If you cannot locate it go to the "Accounts" menu and select "View Accounts".
  • Select your credit card account by clicking on the account name.
  • Then click the "Pay ANZ Credit Card" link at the top of the page and follow the steps below.

Please note that this pay credit card function is not the same as CardPay Direct, and different rules apply.

Step 1 - Select the ANZ account to pay your credit card from
  • From: select the account you wish to pay your credit card from, using the drop down list.
  • Only valid accounts for this transaction type are listed.

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Step 2 - Select the ANZ Credit Card you would like to pay
  • To: select the credit card, using the drop down list.
  • All the credit cards you currently have linked to ANZ Internet Banking will be listed.
  • If the credit card you wish to pay is not displayed here, check that the account has been linked to ANZ Internet Banking. If you need help contact us.

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Step 3 - Select a payment method

You have three options:

Option 1 - Make a one off transfer
  • Payment of $: enter the amount you wish to transfer, using a decimal point, if applicable.
  • Click "Submit".
Option 2 - Make regular payments on the due date

Use the radio buttons to select one of the following three payment amounts.

Minimum monthly payments
  • Your minimum monthly payment is the minimum amount you must pay to your credit card every month.
  • It does not include any overdue/overlimit amounts.
  • Any overdue/overlimit amounts need to be paid immediately.
Set monthly payment
  • Select the radio button and enter your nominated amount into the blank field.
  • Please note: we will debit the minimum monthly payment on your statement of account if you specify an amount that’s lower than the required payment. This is to help you avoid late payment fees.
  • If you nominate to pay an amount that’s greater than the outstanding balance on your credit card, this amount will still be debited.
  • You must specify an amount that’s greater than $25.
Full closing balance
  • The closing balance amount includes any overdue/over limit amount owing as well as the current balance owing on the account.
  • For example, if the overdue/over limit amount owing is $100.00, and your current balance owing is $900.00, your closing balance amount is $1000.00
  • Payment start date: select when you would like the payment cycle to start, using the drop down list.
  • Click "Create regular payment".

Please note: These payments will be made irrespective of whether you make other payments to your credit card. If you exceed your allocated credit limit, you will need to make an immediate payment yourself to ensure your credit rating is maintained and to avoid incurring interest.

If you have exceeded your credit card limit and have selected the minimum payment to be paid to your credit card, the over-limit amount and minimum payment will be charged. If however you make a payment yourself, this will not alter or affect the Pay ANZ Credit Card payment which will occur on the due date of your payment.

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Option 3 - Other payment options
  • If you would like to make payments at regular intervals other than the payment due date, click the Transfer between my accounts link.
  • To pay a credit card from another financial institution, click the Pay BPAY® bills link.
  • By choosing to use either of these two payment methods you will be redirected to respective functions within ANZ Internet Banking to complete your transaction.

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Step 4 - Review your information

Review all your information to ensure it is correct. If information is incorrect it may result in an unsuccessful payment or the payment being made to the wrong credit card.

  • If you notice mistakes click "Back" and re-enter the correct details following steps 1-4.

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Step 5 - Confirm your transfer
  • When you are happy with the information entered click "Confirm". This will complete the transfer and a confirmation message will display.

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Step 6 - View your lodgement receipt
  • Your lodgement receipt is displayed to confirm that your transaction has been submitted successfully.
  • This does not mean the transaction will be processed successfully as that is dependent on the details you have entered being accurate.
  • Please make a note of the receipt number and lodgement number for your own records.

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