ANZ is one of Australia’s big four banks and is a top 10 listed company on the Australian Stock Exchange, however the Australian division of ANZ keeps its feet planted firmly on the ground to allow it to individually cater for your retail banking, commercial banking and wealth management needs. ANZ offers a number of banking products and services to personal retail customers, and the commercial services of the bank cater to small to medium enterprises, up to smaller corporate businesses. The bank also makes sure to take care of its high net worth customers with a dedicated wealth management sector.
Complementary specialised businesses such as Esanda and Agribusiness also means that ANZ can help not only with small business banking needs, but also finance and assistance to help strengthen local businesses as well.
Why Choose ANZ?
There are hundreds of financial institutions you can choose from when looking for the right financial products so in your search you need to compare providers based on the unique services they offer, which others don’t. When it comes to ANZ you can enjoy unique inclusions such as:
- Fraud money back guarantee. With credit card fraud and identity theft a growing problem in Australia ANZ makes sure you feel secure using your cards by offering you a money back guarantee. This means that if a fraudulent transaction is made on your card ANZ will credit your account with the full amount providing you didn’t contribute to the loss and you notified ANZ of the fraud immediately.
- ANZ optional extras. Rather than charging you a higher annual fee for a credit card full of extras you are not going to use with ANZ you can choose a range of extras which suit you. These include: ANZ credit cover which insures your minimum monthly repayments if you become sick, unemployed or in the event of your death; the secure Sentinel allows you to register your credit cards, store cards, mobile phone and other identification documents so if they’re stolen you can make one phone call to cancel everything and have it replaced; eDine offers you entertainment ideas, special offers and discounts from cafes and restaurants around Australia and New Zealand which you can use over and over again any day of the year; as part of the wine club you can get great prices on wines as well as advice and information on a wide selection of Australian and international wines; and you can also save around $20 a day on the cost of insurance when you rent a car by taking out ANZ car rental cover for just $24 a year.
- Rewards programs. The ANZ frequent flyer program allows you to earn points as you spend to put towards your Qantas Frequent Flyer account. However if you want to be rewarded for your financial responsibility you can apply for the unique ANZ Balance Visa which earns you points as you repay your balance. Your rewards points can be redeemed for shopping vouchers around Australia and overseas, holidays, electronics and homewares, and ANZ First Visa and ANZ Gold cardholders can access the Sphere rewards program.
ANZ Balance Transfer Credit Cards
Just because you have an existing credit card and credit card balance doesn’t mean you can’t take advantage of the great features of ANZ credit card, as you can complete a balance transfer to have your chosen ANZ credit card take over the balance of your existing card so you can become an ANZ customer. Answered below are questions you may be wondering about how an ANZ balance transfer credit card works.
What is my credit card balance and why should I transfer it to ANZ?
The balance is the amount you owe on your card and if you have a number of credit cards or store cards the total balance can seem quite unmanageable, not to mention you have to make a number of different repayment each month. With an ANZ balance transfer card you can save on interest and make just one monthly repayment to cover all of your outstanding credit card balances.
How do I transfer my balance to ANZ?
To take advantage of an ANZ balance transfer you must be transferring non-ANZ credit cards. To make the transfer simply complete the balance transfer section of the credit card application, and if you are already an ANZ credit card customer you can request a balance transfer by using Internet banking.
How much can I save with an ANZ balance transfer?
This depends on the balance transfer offer you choose but you are likely to save hundreds of dollars a year in interest thanks to a lower interest ANZ balance transfer and your choice of ANZ credit card including: ANZ first, ANZ low rate MasterCard, ANZ balance Visa, ANZ Gold, ANZ rewards, or ANZ frequent flyer. To calculate exactly how much you can save, use our balance transfer calculator here to enter your balance, your current interest-rate and the interest rate of the balance transfer offer of your choice.
How do I compare my current credit card balance and interest-rate?
You will need to check on your statement or with your provider to find out the current interest-rate you are being charged on your credit card balance, as well as the actual balance of your card. You will need information about your credit card balance to enter into the balance transfer application form.
What are the conditions of an ANZ balance transfer?
To successfully transfer a balance to an ANZ balance transfer credit card you will need to:
- Be transferring $100 or more.
- You can transfer from other financial institutions and from store cards, not from an existing ANZ card.
- Be transferring from an Australian credit card.
- You cannot transfer an amount which would exceed 95% of the available credit limit of your ANZ card.
- You must not be in default on the ANZ credit card account.
- You must not be in default on the card you are transferring from.
- You will need to continue to make payments to your old credit card until the transfer has been processed in full.
What does an ANZ balance transfer cost?
If you choose to transfer to the ANZ Balance Visa card you will be charged 1% of the balance being transferred. You can avoid this fee by applying for a balance transfer at the same time as you complete the credit card application. Balance transfer fees do not apply to other ANZ balance transfer offers.
What are the ANZ balance transfer credit cards available?
ANZ offers a range of inclusive and affordable balance transfer credit card offers and if you think that the features and benefits would suit you find out more about ANZ credit card products now.
Posted on Tuesday, May 4th, 2010 at 10:59 am
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