Introduction to ANZ Royal Bank credit card - Credit cards

Introduction to ANZ Royal Bank credit card

A credit card allows you to purchase products or services without cash and to pay for them at a later date. To qualify for this type of credit, you must open an account with ANZ Royal Bank.

Once you are approved for a credit card, you will then receive a line of credit with a specified credit limit. You can use your credit card to make purchases from participating stores until you reach your credit limit. Every month, ANZ Royal Bank will provide you with a statement, which shows your card activities during the previous 30 days.

Key Benefits of a Credit Card

A Credit Card lets you use your bank’s money as a short-term loan to buy something you want now, and then pay for it later. Also, when you use a credit card you don’t need to keep cash with you which carries with it the risk of being stolen or lost. So, with a credit card you can manage you finance in a more convenient way.

You can pay for your purchases at a later date – no need to pay right away!

With ANZ Royal Bank credit card, you will enjoy up to 45days interest free on purchase. All you need to do is pay your full closing balance of your credit card statement by the due date.

This mean you can make that special purchase without having to wait until payday!

You can use your ANZ Royal Bank credit card in more than 130 countries and territories as well as over 1 million ATMs worldwide using the extensive Visa network. Plus you can use your ANZ Royal Bank credit card in over 1,000 Blue Spots all over Cambodia. So, you can enjoy life without cash.

Imagine buying that special item you have always wanted immediately without having to wait, this is what an ANZ Royal Bank credit card can do for you.

Key Features

Diamond	Emerald Secured
Pure credit, no deposit	Secured card
Access to Diamond Privilege Program	Low annual fee
Up to 45 days interest free credit on purchases	Up to 45 days interest free credit on purchases
The convenience of Internet and phone shopping	The convenience of Internet and phone shopping
Acceptance at over 25 million outlets around the world	Acceptance at over 25 million outlets around the world
Account inquiries through the ANZ Royal Bank Call Centre, 24 hours a day, 7 days a week	Account inquiries through the ANZ Royal Bank Call Centre, 24 hours a day, 7 days a week
Safer than carrying cash	Safer than carrying cash
Annual fee $100	Annual fee $25
Monthly interest 2.92%	Monthly interest 1.5% (cash advance 1.83%)
Minimum repayment 10% of monthly outstanding balance	Minimum repayment 10% of monthly outstanding balance

Useful tips

Always try to pay your closing balance in full by due date. You can confirm your payment has been received by calling the ANZ Royal Bank Customer Service team on (855) 23 999 000

If you do not receive your statement, contact the ANZ Royal Bank Customer Service team on (855) 23 999 000 for a duplicate statement.

Always pay at least the minimum payment by the due date, including any amount due immediately.

Ensure your credit limit is appropriate and manageable for you. Contact the ANZ Royal Bank customer service team on (855) 23 999 000 if you have any concerns.

Make sure you sign your card, and always keep it safe. Do not disclose your PIN to anyone or have it close to your card.

If your card is lost or stolen, call the ANZ Royal Bank customer service team immediately on (855) 23 999 000.

ANZ Royal Bank credit card Terms & Conditions (PDF 144KB)

ANZ Royal Bank credit card Fees & Charges (PDF 180KB)

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