ANZ Cashback Card 2025 Review Maximise Cashback with Simple Tips for Kiwis

Living in New Zealand means being savvy with everyday spending, and the ANZ Cashback Card is built for Kiwis who want straightforward returns without fuss. This review covers the practical features, costs and smart ways to squeeze the most cashback from your everyday purchases so you keep more in your pocket.

Why Kiwis pick the ANZ Cashback Card

The ANZ Cashback Card appeals because it pays actual cash back rather than points you forget about. For every $150 spent on eligible purchases you get $1 back, so your weekly supermarket run and regular bills can add up to real savings over the year.

It’s also simple to understand and easy to use – no confusing tiers or reward tables. For those who prefer tangible wins from their credit card, the ANZ Cashback Card is a clear, low-drama choice across New Zealand.

Key features, fees and rates

The card offers 55 interest-free days on purchases, a $40 annual fee and a purchase rate of 20.95% which is fixed. Cash advance rate is also 20.95%, minimum repayment is 3% of the balance or $10, and the card usually comes with a $500 minimum credit limit.

Other small charges include a $12 late payment fee and a $2.50 over-limit fee. Factor these costs in, aim to pay in full each month and the ANZ Cashback Card can deliver steady cashback without surprising you with hidden extras.

How to maximise your ANZ Cashback Card rewards

Use the ANZ Cashback Card for regular household expenses like groceries, petrol and bills where eligible, because consistency earns steady cashback. Set up automatic payments for utilities or subscriptions but keep an eye on the balance to avoid interest if you don’t clear it every month.

Pay off the full statement within the 55-day interest-free period whenever possible. Track your spending in the ANZ app, and focus on eligible purchases so every dollar works harder for you — small habits lead to meaningful cashback over time.

Eligibility, application tips and final verdict

To apply you’ll need proof of income, ID and a solid credit record; ANZ looks at income, expenses, debts and assets. Self-employed Kiwis should have recent financial statements ready. The process is straightforward if you have your paperwork in order and meet residency or visa criteria.

Overall, the ANZ Cashback Card is a reliable reward card for Kiwis who want clear, usable cashback and no-nonsense terms. Check ANZ’s website for current details, compare with other NZ cashback cards and apply only after you’re sure the fit suits your spending habits.