anz travel card contact

Travel money

Ways to pay and get foreign currencies, including using overseas ATMs.

Will my card work overseas?

You can use your ANZ Visa Debit and credit cards in most countries. 

Be prepared for a few differences if you make transactions that would usually require a PIN if you were in New Zealand:

• United States – you may be asked to enter a five-digit ZIP (postcode) as well as your PIN. Add a zero after your New Zealand postcode, e.g. 7011 becomes 70110
• European Union – you may not be asked to enter a PIN due to different settings on some payment terminals. 

Countries where you can’t use your card (sanctioned countries)

ANZ’s Sanctions Policy means your ANZ Visa Debit or credit card will not work in these countries:

• North Korea

For more information on sanctioned countries, see our  Sanctions Policy (PDF 154KB) .

The New Zealand government’s Safe Travel website provides official guidance for New Zealanders travelling or living overseas. This includes information on how you can access funds while travelling.

Travel money options

It’s a good idea to take a mix of payment methods, like foreign cash and your ANZ Visa Debit and/or credit card. 

Credit and debit cards

In most countries you can use your ANZ Visa Debit and credit cards – including Apple Pay — or Google Pay™ —  – to make purchases and get cash from ATMs.

You’ll pay a 1.3% conversion charge for foreign currency transactions online and overseas.

• ANZ Visa Debit card – to withdraw cash at ATMs and make purchases using money in your everyday account. 
• ANZ EFTPOS card – to withdraw cash at ATMs using money in your everyday account. If you also want to make purchases overseas, you can upgrade your EFTPOS card to an ANZ Visa Debit card — .
• ANZ Visa credit cards – to make purchases.
• ANZ Airpoints Visa Platinum —  card – to make purchases. You may also be eligible for Overseas Travel Insurance — . 

Overseas ATMs

You can use your ANZ Visa Debit card at any ATM around the world, apart from sanctioned countries.

We do not charge an Overseas ATM fee for using ATMs outside New Zealand. Banks and other financial institutions who own overseas ATMs may charge a fee for using them.

ANZ has ATMs in Australia and other countries in the Asia-Pacific region. To find an ANZ ATM near you, you can:

• Use the Find a branch or ATM feature in goMoney
• Search by location on Find an ANZ branch or ATM .

Our currency conversion charge of 1.3% of the NZD amount applies to foreign transactions, including cash withdrawals from overseas ATMs.

Before you travel

Before you leave New Zealand, it’s a good idea to:

• Check your card expiry dates and PINs
• Tell us your travel plans so we can guide you on managing your banking while overseas.

Even if you tell us you’re overseas, some transactions may be temporarily blocked while we check if it’s fraudulent.

Lost or stolen cards

If your card gets lost or stolen, you can use ANZ Internet Banking or the ANZ goMoney mobile app — to:

• Block your card so no one can use it
• Cancel the card and order a replacement (courier charges may apply)
• Set a PIN for your new card.

Once we issue a new card, you can instantly add it to your mobile wallet to make contactless payments. You don’t have to wait until you have a physical card.

Foreign cash and travellers' cheques

We don’t buy or sell foreign cash. To access foreign cash, you can use your ANZ Visa Debit card to withdraw cash from overseas ATMs. For other options, see We no longer offer foreign currency cash .

We don’t issue travellers’ cheques. We only accept travellers’ cheques previously issued by ANZ if these will be deposited into an ANZ account. 

Managing your money overseas

Take your banking with you 24/7.

With ANZ's smart money management tools – goMoney and Internet Banking —  – it's easy to keep control of your finances while you're away.

ANZ Fraud Check

We have fraud monitoring systems and a dedicated team who review banking activity around the clock for anything potentially suspicious or fraudulent. We may send you a text or email if we suspect a transaction might be fraudulent. You won’t be asked to click on a link, we’ll simply ask you to reply ‘Yes’ or ‘No’ to confirm if the purchase was authorised.

• If the mobile number we have for you is a New Zealand (+64) or Australian (+61) number, and your phone is on and roaming, you’ll be able to receive and reply to ANZ Fraud Check texts. If you’re overseas and you reply, there may be a charge depending on your network and subscription. 
• If the mobile number we have for you is from a country other than New Zealand or Australia, we’ll send you an email instead. If we don’t have an email address for you, we’ll try to call you.

If you choose not to reply, we’ll follow up with an email to you to confirm if the transaction was yours or not. Your card will remain blocked until we’re able to contact you.  

Visa 3-D Secure for online purchases

ANZ uses Visa 3-D Secure to provide extra security when you’re making purchases online with your ANZ Visa Debit or credit card.

If you plan to shop online while overseas, make sure you can receive the one-time Visa 3-D Secure passcode to your mobile phone:

• If you’re travelling with your New Zealand mobile phone, switch on roaming while buying online
• If you’ll use an international number, tell us so we can update your contact details.

Remember to change your phone number back when you return to New Zealand.

ANZ Card Manager to block and unblock your cards

You can use ANZ Card Manager — in Internet Banking or goMoney to instantly block or unblock your credit and debit cards, for example if you lose your card or want to save it for emergencies only.

Help and support

Important information.

Our  financial advice provider statement  has some important information you should know about ANZ and our financial advice services. Please take the time to read it.

ANZ credit card complimentary travel insurance

Wondering what cover you get with anz credit card complimentary travel insurance here’s what you need to know and how to make a claim..

• Credit cards
• Frequent flyer
• Credit score
• Money management
• Sustainability

In this guide

Which ANZ credit cards have complimentary travel insurance?

How can you access anz credit card international travel insurance, what's covered by anz complimentary international travel insurance, pre-existing medical conditions, how to make a claim through your anz credit card complimentary international travel insurance policy, other types of anz complimentary credit card travel insurance, anz credit card complimentary insurance for shopping, anz business credit card complimentary insurance options, frequently asked question, what you need to know:.

• ANZ credit cards with complimentary international travel insurance offer comprehensive cover for up to 3 or 6 consecutive months when you travel overseas.
• You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
• Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions .
• Do you have a question or need to make a claim right now? Call the insurance provider, Allianz, on 1300 135 271 (from Australia) or +61 7 3305 7465 (from overseas).

If you have an eligible ANZ credit card, you may be able to use this cover when you meet the eligibility requirements in the insurance policy booklet, including (but not limited to):

• Prepayment of at least $250 of your travel costs before you leave Australia
• Having a return overseas travel ticket to Australia before the start of your trip

Cover may also be available for your spouse and/or eligible dependents when both you and they meet the requirements in the policy information booklet.

If you need written confirmation of cover, you can also visit http://www.checkyourcover.com.au/anz or call Allianz on 1300 135 271 for more details.

Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with an ANZ credit card

Please note that each travel claim is subject to an assessment and there may be an excess applicable.

ANZ complimentary international travel insurance for cancellation, delays, accommodation and transport

Luggage and personal items cover offered with anz credit card complimentary insurance, does anz complimentary credit card travel insurance cover pandemics.

Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:

• Overseas emergency assistance (including medical evacuation and repatriation)
• Overseas emergency medical
• Cancellation
• Additional expenses

Please contact Allianz if you have a pre-existing medical condition and would like to know if you will be covered under the ANZ complimentary insurance policy.

If it's an emergency, call Allianz on +61 7 3305 7465 when you're overseas or 1300 135 271 in Australia. You can also submit a claim online by following these steps:

• Go to the Allianz online claims portal at https://claimmanager.com.au/anz/agreement
• Confirm you agree with the terms and conditions, then select "Create new claim"
• Select the "Credit card insurance" option and provide details of your card
• Fill in the details on the claim form and upload your supporting documentation

You will be contacted about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Photo evidence
• Police reports

Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the ANZ card insurance policy booklet – plus anything that could become supporting documentation for claims.

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
• Cancellation: Up to a maximum total limit of $3,000 for all claims combined.
• Flight delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
• Additional expenses: Up to a maximum total limit of $3,000.
• Luggage: Up to $750 for each covered item, up to a maximum total limit of $2,000.
• Luggage delay: After 4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined.
• Is there an excess cost? There is a $100 excess cancellation, additional expenses and luggage claims.

Rental vehicle excess in Australia insurance

• What is it? Maximum total limit of up to the amount specified in your rental vehicle agreement or $5,000, whichever is the lesser for all claims combined during the rental.
• When can I use it? If you’ve used your ANZ credit card to pay the full cost of the vehicle rental.
• Is there an excess cost? $100 per claim.

How to make a claim under one of these policies

ANZ credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:

• Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
• Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.

Don’t have complimentary insurance on your credit card yet? Compare ANZ credit cards or other cards that offer insurance .

All ANZ business credit cards offer complimentary unauthorised transaction insurance. Some also offer complimentary international travel insurance and transit accident insurance. Here’s a summary for different ANZ business cards:

Have an ANZ credit card that’s not on this list? Check the terms and conditions available on the ANZ website to see if your card is eligible. Or, look at ANZ travel insurance you can get without a credit card.

Can I get proof of my cover?

Yes. If you’re going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/ANZ .

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

More guides on Finder

The ANZ Rewards Platinum Credit Card offers up to 100,000 bonus Velocity Points and a range of complimentary insurance covers.

Receive $250 back to your card with this promo offer. Plus, save with a competitive 13.74% p.a. purchase rate.

This platinum card offers a $0 first-year annual fee, $300 credit back offer and complimentary insurance covers.

The ANZ Frequent Flyer Black has a competitive bonus Qantas Points offer and perks including Qantas Club Lounge invitations and complimentary insurance. Weigh up if it's worth the $425 annual fee.

Compare the features of the ANZ Rewards Black, including 180,000 bonus points offer, a high earn rate and complimentary insurance.

The ANZ Rewards Platinum Credit Card offers a competitive rewards program, 100,000 bonus ANZ Reward Points and a range of complimentary insurance covers.

Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, pay a $0 annual fee for the first year and 13.74% p.a. purchase rate.

Earn Qantas Points as you spend, enjoy complimentary travel insurance and take advantage of an introductory offer on the ANZ Frequent Flyer Platinum.

This entry-level card offers a $0 first-year annual fee, $125 credit back offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.

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157 Responses

I have and ANZ Platinum Card and would like to know the cover includes rental cars

Hi William,

Generally, cover is provided towards the excess of insurance you have taken out to cover the hire car, which comes standard with most rental cars in Australia. For instance, if you hire a car and the excess is $3,000, this complimentary insurance will cover that $3,000. However if you hire a car with no insurance whatsoever, then this insurance won’t provide any cover.

According to the PDS: Cover is only available if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stolen while in your custody. This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies.

WHAT WE COVER If, during the period of cover available, a rental vehicle you have rented from a rental company or agency is: involved in a motor vehicle accident while you are driving it; or damaged or stolen while in your custody, then we will pay you the lesser of: property damage for which you are liable; or the amount specified that you must pay under your rental vehicle agreement; or the limit shown in Part C – Benefit Limits.

Hope this helps!

Does ANZ credit card insurance cover cruises leaving from overseas ports?

It looks like cruises are covered. Page 14 of the ANZ PDS defines overseas as “outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters”.

Does my complimentary travel insurance also cover my wife travelling with me

Hi Bob, Yes, if your wife is travelling with you for the entire trip and both of you meet the requirements, you’ll both be able to use this travel insurance. If you have more specific questions about this cover, you can also contact the insurer Allianz on 1300 135 271. I hope this helps.

We are going on a 35 day cruise going around Australia with many stops in Australia and also one stop in Denpasar Indonesia and 3 stop around New Zealand. The Cruise starts in Sydney and finish in Sydney. I’m using my ANZ Platinum card, are we covered?

Hi John, The international travel insurance policy for the ANZ Platinum Credit Card has a definition for “overseas” that includes “when you are aboard a foreign registered cruise vessel in Australian territorial waters.” So if the cruise ship is registered outside Australia, it’s possible you would be covered. But you should call the insurance provider, Allianz, on 1300 135 271 to check the details specific to your travel plans. I hope this helps.

Hi I am about to turn 81 years of age will I still be covered by my Platinum card. If not will my wife who is 76 be covered even if I am not.

Hi Ron, If you meet the other eligibility requirements for cover before you turn 81, you would be eligible for this cover. This means you would need to spend at least $250 of your prepaid travel expenses on your eligible ANZ Platinum card, have a return overseas travel ticket before you leave Australia and meet the residency requirements. Your wife would also be eligible if you met the eligibility requirements. If you have further questions, you can contact the insurance provider Allianz on 1300 135 271. I hope this helps.

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Overseas travel

What do I need to do before I travel overseas?

If you have overseas travel planned, there are several things ANZ can help with:

• How to qualify for travel insurance
• If you are planning to make any transfers via ANZ Internet Banking or ANZ goMoney while away and will not have access to international cell phone coverage, you may wish to apply for a temporary OnlineCode exemption

Secure email via Internet Banking

• Send bank mail

0800 269 296

Monday to Friday, 8am - 8pm Saturday and Sunday, 8am - 6pm

• All phone numbers

Visit a branch

• Find an ANZ branch

Travelling overseas

What do I do if I've lost my card while overseas?

What do i do if ive lost my card while overseas.

If you’ve lost your card while you're overseas, try not to panic. Losing your card is easily managed with the ANZ Plus app.

Firstly, you can place a lock on the lost card to prevent any unauthorised transactions while you look for it. You can do this by going to the Card tab and tapping on  Lock .

After you've applied the lock, any subscriptions or services you’ve already set up using your card will continue to work, including Uber or AirBnB.

Replacing a lost card

If your card doesn't turn up, or if it's stolen, please report it right away in the app. To do this:

• Go to the Card tab.
• Tap on Cancel and Replace Card  and follow the prompts.

Unfortunately, we won't be able to ship a new card internationally, so you’ll need to get it sent to a secure location back in Australia.

Joint ANZ Plus cards

If you've lost your Joint ANZ Plus Visa Debit card, remember to swipe across in the Card tab before following the steps above.