ANZ CASHBACK VISA

PROGRAMME GUIDE
 THE CREDIT CARD THAT

REWARDS
YOU WITH

CASH BACK
IN YOUR POCKET

CashBack rewards you for purchases

you make with your CashBack card.
There is no second card to hand over
and no action required on your part
to redeem your rewards.

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USING YOUR CARD
Earning CashBack Rewards
You’ll earn cash back on every dollar you spend on eligible
purchases* made using your CashBack Card.
There are no minimum spend requirements or caps on the
amount of cash back you can earn.
Your CashBack Rewards are calculated for each monthly
statement cycle at the earn rate applicable from the start of
the monthly statement cycle.
Your CashBack Rewards are credited to your credit card
account on an annual basis on the date of your first statement
after the anniversary of your first purchase**.

* Eligible purchases do not include cash advances, balance transfers,

the purchase of cash substitutes (such as travellers cheques),
gambling transactions or business related expenditure.
** Your CashBack Rewards year runs from the day on which you made
your first transaction on your CashBack card for a 12 month period.

Rewards Rates
CashBack card
Spend $150 to earn $1 CashBack
CashBack Platinum card
Spend $120 to earn $1 CashBack

IF YOU WOULD LIKE TO KNOW MORE

ABOUT CASHBACK REWARDS, REFER TO
THE ANZ CASHBACK REWARD TERMS AND
CONDITIONS ON PAGE 10 OF THIS GUIDE.
CASH ADVANCES
If you have a PIN on your CashBack card you can use it to get
cash advances from any bank or ATM in New Zealand, or any
bank or ATM displaying the Visa or MasterCard symbol when
travelling overseas. Please note that minimum and maximum
cash advance amounts may apply.
A cash advance fee may apply and fees may be charged by overseas
banks when cards are used in their ATMs.

REFUNDS AND EXCHANGES

Refunds
You cannot simply ‘stop’ a valid purchase by a credit card like a
cheque. If a merchant does allow refunds, this is what to do:
1. Return the goods and your copy of the sales voucher.*
2. The merchant will print and sign a credit voucher. Keep
your copy.
3. We will credit your CashBack card account with the full
amount of the refund.
* If returning mail order goods, it is advisable to use a courier or
registered post and keep the receipt to provide proof that goods
have been returned.
Exchanges
If the new goods are worth less than those returned, the
merchant will provide a credit voucher for the difference.
If the new goods are worth more, the merchant will provide
a new sales voucher to cover the difference.
Refunds can NOT be made in cash. If the refund has not been
shown on your statement within 45 days, write to ANZ Card
Operations, PO Box 40, Wellington, enclosing a copy of the
credit voucher.

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SECURE PURCHASING
Your CashBack card is ideal to use when purchasing by
phone, mail or on the Internet. It is available when you are
ready to purchase so long as you have available credit, and it
is easily accepted by the merchant. However, it is important
to be cautious when you are asked to disclose your credit
card number and expiry date in advance of receiving goods
and services.
Make sure you know the company you are dealing with is
reputable, read any contracts fully and keep copies of the
order from or receipts until the goods have arrived.
If someone phones you, do not give out your card details
unless you can validate their identity.
Please note that many Internet sites are based overseas and
you may not be safeguarded by New Zealand consumer laws.

PROACTIVE FRAUD MONITORING

ANZ has leading edge security systems and processes in
place to minimise the risk of credit card fraud, which provides
assurance if something does go wrong. These systems identify
transactions that appear to be outside a customer’s normal
spending patterns that may indicate that someone else is
using the card fraudulently.
If unusual spending patterns are detected, we will try to
contact you as soon as possible to verify the transactions.
In some cases where there is a strong indication of fraud
occurring, we may place a temporary block on your
credit card.
To help us ensure that we can contact you as quickly
as possible in this situation, pleased keep us informed
of your latest contact details (i.e. home phone, mobile
phone, address).
For information about the Bank’s liability for fraudulent
transactions see the ANZ credit card Conditions of Use.

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KEY INFORMATION
1. Fees
A CashBack card or CashBack Platinum card account fee is
charged on opening, and annually thereafter. Fees are also
charged for additional services.
All fees will be charged to your credit card account and will
appear on your statement as a transaction. For fee details,
refer to the ANZ credit card Conditions of Use, or call into any
ANZ branch.
2. Interest
The interest rate applicable to your CashBack card is specified
in the letter you received with your card and is shown on your
monthly statement.
You get up to 55 interest-free days on your purchases so long as
the closing balance on your statement is paid by the due date
in full each month. Cash advances will be charged interest daily
from the date of each advance to the date of full payment.
To help you get the best from your credit card, ensure you
fully pay each month’s balance, as partially paid balances will
be charged interest daily until the account is paid in full.
3. CashBack Reward Payment
Your reward is paid out based on your level of annual spend
in a 12-month period.
4. Card Transactions
All transactions you make using your card are detailed on your
statement each month in New Zealand dollars, with additional
cards separated by card number. Currency conversion charges
on foreign currency transactions are also detailed and will
appear next to the transaction in New Zealand dollars.
If the balance transfer offer was taken, the amount and
preferential interest rate that applies will appear as a transaction.
5. Additional and Statement Messages
Important information including direct debit details and
information relating to your account (e.g. promotions,
changes in fees, interest rates, etc) may be displayed.
6. Paying Your Account
You have several options for paying the balance on your
CashBack card account:
• Through automatic payment or direct debit
• As a bill payment through Internet Banking
• Through Phone Banking or ANZ goMoney
• Or at any ANZ branch.
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BANK ON THE GO
ANZ goMoney
Managing your card anywhere, anytime is easy and secure
with a smartphone and the ANZ goMoney mobile app.
Key features:
• View your account balances, transaction history and
statements.
• Move money between your accounts, including paying
your credit card bill.
• Manage your cards, including reporting a card lost or stolen,
or placing a temporary block.
• Decrease your credit card limit.
Search for ‘ANZ goMoney New Zealand’ in the App Store or
Google Play Store and install.

ANZ Phone Banking

Your CashBack card contains the New Zealand phone number,
as well as the customer number you need to access
Phone Banking from New Zealand or overseas.
Phone Banking is a service available 24 hours a day,
365 days a year giving you access to:
• Check your account balances
• Pay bills – including your credit card account
• Transfer funds between accounts
• Obtain past transaction information
• Change automatic payments
• Order statements and deposit books.

FOR MORE INFORMATION, TO REGISTER

OR TO OBTAIN A PHONE BANKING GUIDE,
CALL 0800 658 044.

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7
TRAVELLING
WHEN YOU’RE TRAVELLING
When travelling overseas, your CashBack card can be used to
withdraw local currency from your credit card account or your
primary current or savings accounts at ATMs displaying the
Visa, PLUS or MasterCard symbols. It’s safer than carrying large
amounts of cash and means you’ll only need to organise small
quantities of travellers’ cheques or foreign currency before
you leave.
It is worth getting ANZ goMoney or Phone Banking set up
before you travel, then you can simply transfer funds between
accounts while overseas by using the app or just making a
toll call.
There are many things to think of when preparing for an
overseas trip. To help you organise your finances while you
are away and to provide you with valuable advice on things
to be aware of, call into any branch of ANZ before you leave,
or call 0800 658 044.

FOREIGN CURRENCY CHARGES AND FEES

Currency conversion charges that apply when using your
credit card for foreign currency transactions can be found
in the ANZ credit card Conditions of Use.

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9
ANZ CASHBACK REWARD
TERMS & CONDITIONS
1. Definitions and interpretation
In these Terms and Conditions the following words have the
meanings set out below, unless the context requires otherwise.
‘Account Holder’ means the person or persons in whose name a
Card Account is kept and who is responsible for all transactions on the
Card Account.
‘Additional Cardholder’ means a person to whom a Card is issued, at
the request of the Account Holder, and who is authorised to transact
on the Card Account.
‘ANZ’ means ANZ Bank New Zealand Limited and, where applicable,
includes any of its agents or contractors from time to time.
‘Card’ means an ANZ CashBack card or ANZ CashBack Platinum card
issued by ANZ to a Cardholder.
‘Card Account’ means an ANZ CashBack card account or ANZ
CashBack Platinum card account on which a Card is issued.
‘Cardholder’ means, in relation to a Card Account,
the Account Holder and any Additional, or Joint Cardholder.
‘CashBack Reward’ means a reward which is based on the
amount spent on your CashBack card or CashBack Platinum card, in
accordance with these Terms and Conditions.
‘Eligible Purchases’ for the purposes of CashBack Rewards means all
purchases made with your CashBack card or CashBack Platinum card
to your Card Account excluding Cash Advances, purchases of cash
substitutes (such as travellers cheques), gaming transactions, interest,
fees, government charges, Account adjustments, resulting from
returned purchases of goods or services or disputed transactions,
and balances transferred from other credit cards, or business related
expenditure.
‘Year’ for the purposes of CashBack Rewards means the 12 months
commencing on the date of your first purchase transaction on your
Card account and each subsequent 12 month period thereafter.
Other expressions used in the Terms and Conditions which are not
defined here have the same meaning as in the ANZ credit card
Conditions of Use. A copy of the current ANZ credit cards Conditions
of Use is available from any ANZ branch, anz.co.nz or by calling ANZ
on 0800 658 044.
2. Acceptance of Terms and Conditions
1. You will be bound by these Terms and Conditions, in addition to
the ANZ credit card Conditions of Use, the first time your Card
Account is used to acquire goods or services.
2. You will be bound by any amendment to these Terms and
Conditions the first time your Card Account is used to acquire
goods or services after the amendment, or after you have
received notice of the amendment, whichever first occurs.

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3. Earning CashBack Rewards
1. You will earn CashBack Rewards for every dollar spent on Eligible
Purchases on your CashBack Card Account. Your CashBack
Rewards are calculated each month based on the earn rate
applicable at that time. Your CashBack Rewards are credited to
your credit card account on an annual basis on the date of your
first statement after the anniversary of your first purchase.
2. Rewards for foreign currency transactions will be awarded
based on the New Zealand dollar value of the transaction after
conversion.
3. Where you receive a credit to your Card Account as a result of
a refund or reimbursement for charges previously incurred (for
example, for returned goods or services) the Bank may reverse
any CashBack Rewards previously credited for that purchase.
4. The amount of your CashBack Reward is calculated each month
and is based on the following scale:
CashBack card
Spend $150 to earn $1 CashBack

CashBack Platinum card

Spend $120 to earn $1 CashBack

4. Crediting CashBack Rewards

1. Your CashBack Reward will be credited to your Card Account on
the date of your next statement following the anniversary of your
first purchase transaction on your Account. Details of the amount
credited will appear on that statement. On each anniversary
date CashBack Rewards earned for the previous Year are cleared
and Eligible Purchases processed after that date earn CashBack
Rewards for the following Year. On the termination or closure of
your Card Account any CashBack Rewards are forfeited.
5. General
1. CashBack Rewards are not property, cannot be transferred or
assigned and do not have any value other than for the purpose
of calculating any CashBack Reward.
2. ANZ reserves the right to amend or withdraw CashBack Rewards
at any time. ANZ will not be liable for any direct or indirect loss
you suffer through the withdrawal of CashBack Rewards.
3. ANZ reserves the right to suspend or cancel the earning of
CashBack Rewards or the crediting of a reward, or to forfeit
CashBack Rewards earned, if at any time you breach the ANZ
credit card Conditions of Use or these Terms and Conditions.
4. ANZ will use reasonable endeavours to notify you of CashBack
Rewards earned by recording details on your monthly statement
for your Card Account.
5. ANZ will not be liable for errors or omissions and reserves the
right to correct errors due to the incorrect crediting or debiting
of CashBack Rewards.

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6. Changes to Rewards
Terms and Conditions
1. ANZ may change or amend these Terms and Conditions at any
time. ANZ will notify you of any change at least 14 days before
that change takes effect by direct communication to your last
known address, by advertisement in the public notices columns
of major newspapers or by displaying the change in branches
of ANZ.

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WHAT ARE THE NEXT STEPS?

If you’d like more information, please feel free to:

Call 0800 658 044 (+64 9 522 3010)

Visit anz.co.nz

Come into any branch

Our lending criteria apply. ANZ lending criteria, terms, conditions and fees apply, and
are available from any ANZ branch. The details in this brochure are subject to change.
ANZ Bank New Zealand Limited  A3597 10/22  10605

anz.co.nz