Consolidating high interest rate credit cards

You should ensure you obtain and consider the PDS before you make any decision to acquire it.

Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate, or ANZ Low Rate Platinum credit card account with the balance transfer.

Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions booklet (please call 13 13 14 for a copy).

Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, e.g.

The Overseas Travel and Medical Insurance master policy, the Transport Accident Cover master policy and Rental Excess Cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 to ANZ.

Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth).

If you include your closing costs in your loan, your loan balance, monthly payment and total interest paid will increase.

You will, however, be required to pay less money up front.

You can then see what your monthly payment would be with a consolidated loan.

fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes, will not earn Points.

Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program.

Any advice has been prepared without taking into account your objectives, financial situation or needs.

You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice.

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