Choose between two great offers when you take up a new ANZ Rewards Platinum credit card:
Earn up to 100,000 bonus Velocity Points disclaimer
ANZ Reward Points offerEarn 100,000 extra ANZ Reward Points plus $50 back disclaimer
Earn 1.5 ANZ Reward Points for every $1 spent up to and including $2,000*
Earn 0.5 ANZ Reward Point for every $1 spent over $2,000*
*per statement period, eligible purchases only disclaimer
and you expect you will be able to repay all or most of the closing balance each month
Planning a trip? You may be eligible for complimentary travel insurance, disclaimer plus cover for rental vehicle excess in Australia, disclaimer when you purchase travel using your ANZ credit card.
T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply . disclaimer
Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance disclaimer and Purchase Protection Insurance. disclaimer
T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply. disclaimer
ANZ Instalment Plans could be a handy way to repay your eligible credit card purchases over 3, 6 or 12 months.
Approval, eligibility and T&Cs apply. Fees and charges may apply.
Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more. disclaimer
ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.
Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment. disclaimer
Earn cashback plus ANZ Rewards Points disclaimer from more than 2,000 popular retailers when you shop through Cashrewards. disclaimer
An easy way to pay using your ANZ credit card on your compatible mobile device. disclaimer And, if you need a replacement card, digital cards are faster than the post.
Switch on and keep on auto-redemption to transfer your ANZ Reward Points disclaimer to Velocity Points disclaimer within 3 months from approval to earn:
70,000 bonus Velocity Points with your new ANZ Rewards Platinum credit card when you spend $2,000 on eligible purchases in the first 3 months from approval disclaimer
Plus, get an additional 30,000 bonus Velocity Points when you keep the card for more than 15 months disclaimer
New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). disclaimer
You could redeem them for one of the following:
* Taxes, fees and carrier charges apply in addition to Velocity Points redeemed.
The above examples are an approximate guide only and are subject to change.
when you spend $2,000 on eligible purchases in the first 3 months from approval. disclaimer
New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). disclaimer
You could redeem them for one of the following:
Follow these three easy steps to switch on and keep on auto-redemption for the bonus Velocity Points new card offer:
Welcome to the club. You’ll need to activate your new credit card and join both programs.
Visit the ANZ Rewards Velocity Frequent Flyer page and switch on auto-redemption for Velocity Points within 3 months of approval:
To claim your 70,000 bonus Velocity Points (if you chose the bonus Velocity Points offer for your new card), keep auto-redemption on until you receive a redemption email or SMS, which will include a Reward Code to claim your 70,000 points.
To claim your additional 30,000 bonus Velocity Points (if you chose the bonus Velocity Points offer for your new card), keep auto-redemption on until you receive a redemption email or SMS, which will include a Reward Code to claim your 30,000 points.
Minimum spend and card retention criteria also applies.
$6,000 Minimum credit limit
Up to 55 Interest-free days on purchases disclaimer *
*Important: From 1 November 2024, the interest-free days on purchases will reduce to 'up to 44 days'
on cash advances disclaimer
on balance transfers disclaimer
$149 Annual Fee
(includes $94 Annual Fee and $55 Rewards Program Service Fee) disclaimer
Up to 9 additional cardholders
for $65 per Additional Cardholder annually disclaimer
To apply for an ANZ Rewards Platinum credit card, you’ll need to:
Not sure if you’re eligible?
Call our credit card specialists on 13 22 73.
Start your application online. We’ll call you back within 2 business days to help you complete it.
Or call 13 33 33
Available Monday to Friday, 8am to 8pm
Highest ANZ Reward Points earn rate disclaimer
$15,000
Minimum credit limit
$375
Current annual fee disclaimer
Earn 180,000 extra ANZ Reward Points and $150 credit back to your new card
when you spend $3,000 on eligible purchases in the first 3 months from approval of your new ANZ Rewards Black credit card . disclaimer
New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375). disclaimer
ANZ's highest Qantas Points earn rate disclaimer;
$15,000
Minimum credit limit
$425
Current annual fee disclaimer
Earn up to 130,000 bonus Qantas Points!
Earn 90,000 bonus Qantas Points and $200 credit back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months. disclaimer
New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425). disclaimer
Uncapped Qantas Points earn rate disclaimer
$6,000
Minimum credit limit
$295
Current annual fee disclaimer
Earn 75,000 bonus Qantas Points and $100 credit back to your new credit card
when you spend $2,500 on eligible purchases in the first 3 months from approval of your new ANZ Frequent Flyer Platinum credit card. disclaimer
New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295). disclaimer
ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.
Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs. disclaimer
An embedded card microchip makes it harder for your card to be fraudulently copied.
Some added peace of mind to securely shop online.
Compare each card’s features, considerations and fees to help you choose.
You can redeem your points on the ANZ Rewards website or over the phone, by calling the ANZ Rewards Centre on 1300 367 763, Monday to Friday, 8am to 8pm (AEST).
You can redeem your ANZ Reward Points for:
You can check and redeem your ANZ Reward Points by logging in to the ANZ Rewards website.
ANZ Reward Points must be used to claim a reward within 36 months of 31 December of the year in which the Reward Points were added to a points record. Reward Points that remain unused after that period will be cancelled. In the event your ANZ Rewards account is closed, any Reward Points that remain unused must be used within 90 days of the date of closure. Reward Points that remain unused after that period will be cancelled.
Please refer to the ANZ Rewards – Rewards Program Terms and Conditions (PDF) for further conditions on when we may cancel Reward Points.
Most every day purchases are eligible purchases. Certain transactions and other items are not eligible to earn ANZ Rewards Points. Examples of transactions and other items which will not earn ANZ Reward Points are interest charges, fees, cash advances, cash equivalent transactions, balance transfers, BPAY or Post BillPay payments, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. For more details of transactions which are not eligible to earn ANZ Reward Points and how these transactions are identified please refer to the ANZ Rewards Program Terms and Conditions (PDF).
With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Creducation is an online educational series that explores credit card interest, making payments, balance transfers and more.
Our team are available Monday to Friday from 8am to 8pm (AEST).
Find your nearest ATM or branch.
We're here to answer your application questions and help you get started.
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
Falcon® is a registered trademark of Fair Isaac Corporation.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
Offer is for new and approved credit card applicants and is limited to one offer per applicant.
ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
If approved, you must activate the card, turn on auto-redemption to Velocity Points and meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). To be eligible for this offer, you must set up auto-redemption within 3 months from the date of approval and automatically transfer your ANZ Reward Points to Velocity Points for a consecutive period until the bonus Velocity Points under this offer are made available for redemption. The 70,000 bonus Velocity Points will be available for redemption within 3 months of meeting the spend criteria. The 30,000 bonus Velocity Points will be available for redemption within 3 months of keeping your credit card for 15 months. The bonus Velocity Points available under this offer will not be credited if your credit card is cancelled, suspended, transferred, or if you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) prior to the bonus Velocity Points being credited to your Velocity account. You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit card in the last 12 months. Offer starts 12:01am (AEDT) on 15 May 2024 and ends at 11:59pm (AEDT) on 15 November 2024.
To enable you to redeem the 70,000 bonus Velocity Points, we will send you an: (i) SMS with a link to a redemption website and your Reward Code to enable you to continue with the redemption process; or (ii) Email to the email address listed on your ANZ account with a link to a redemption website to switch on ANZ Rewards Auto-Redemption for Velocity Points with and your Reward Code to continue with the redemption process.
To enable you to redeem the 30,000 bonus Velocity Points, we will send you an: (i) SMS with a link to a redemption website and your Reward Code to enable you to continue with the redemption process; or (ii) Email to the email address listed on your ANZ account with a link to a redemption website and your Reward Code to continue the redemption process.
The redemption website is powered by Digital Glue Pty Ltd ABN 36 127 466 899. It may take up to 90 days from the eligible criteria being met to receive your SMS or email. You must redeem the Reward Code for the eligibility offers before the expiry date listed in the SMS or email, otherwise you will forfeit any entitlement to do so.
To redeem ANZ Reward Points for Velocity Points, individuals must be both an ANZ Rewards account holder and a Velocity Frequent Flyer member. Upon accruing ANZ Reward Points to the value of the minimum threshold set-up on auto-redemption, allow up to 5 business days for your Velocity Points to be allocated to your account. Velocity membership and Velocity Points earned and redeemed are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com/termsandconditions as amended from time to time. Once ANZ Reward Points have been redeemed for Velocity Frequent Flyer Points, they are governed by the Velocity Frequent Flyer Program Terms & Conditions and cannot be reversed. ANZ holds no responsibility for flight availability, which may be limited, or any other redemption items available at velocityfrequentflyer.com. Flight availability is at the sole discretion of Virgin Australia and airline partners.
Offer available to new and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). The 100,000 extra ANZ Reward Points and the $50 will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the Purchases balance and does not constitute a payment under your contract with ANZ. The 100,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Rewards Credit Card in the last 12 months.
ANZ Reward Points are earned and redeemed in the ANZ Rewards store in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF).
Standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at and is subject to change.
For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.
Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders.
ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice.
Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.
Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply. Please visit Cashrewards for further details.
Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF), Fitbit Pay (PDF) and Garmin Pay (PDF).
Minimum redemption threshold applies. Allow up to 5 business days for your Velocity Points to be allocated to your account. To redeem Reward Points for Velocity Points, individuals must be both an ANZ Rewards account holder and a Velocity Frequent Flyer member. Velocity membership and Velocity Points earned and redeemed are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com/termsandconditions as amended from time to time. Once ANZ Reward Points have been redeemed for Velocity Frequent Flyer Points, they are governed by the Velocity Frequent Flyer Program Terms & Conditions and cannot be reversed. ANZ holds no responsibility for flight availability, which may be limited, or any other redemption items available at velocityfrequentflyer.com. Flight availability is at the sole discretion of Virgin Australia and airline partners.
The quoted redemption fares are correct as at 1 May 2024 and are subject to change. Fares are subject to availability. Melbourne to Sydney (Economy) Points value is based on a one-way domestic Economy Reward Seat redemption for 6,200 Velocity Points plus $42.77 in taxes, fees and carrier charges with Virgin Australia. Melbourne to Sydney (Business) Points value is based on a one-way domestic Business Reward Seat redemption for 15,500 Velocity Points plus $42.77 in taxes, fees and carrier charges with Virgin Australia. Brisbane, Melbourne, or Sydney to San Francisco Points value is based on a return international Economy Reward Seat redemption for 89,600 Velocity Points plus a range of $165 to $203 in taxes, fees and carrier charges with United Airlines. Reward Seat redemption bookings must be made on the Virgin Australia website and selecting “Use Points”. Taxes, fees and carrier charges are payable in addition to Velocity Points redeemed. Price may vary until ticketed. Reward Seats and associated charges are not eligible for Points earn. Seats are limited and may not be available at peak times or on all flights. Payment surcharge may apply. You can change or get a refund for your booking by paying a fee and any fare difference, at least 24 hours before scheduled departure. You may also request a refund for other reasons, including under the Australian Consumer Law. View the Velocity Reward Seat fare rules for more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions at velocityfrequentflyer.com.
Conversion calculation correct as at 20 th March 2024. Conversion rates subject to change. Please refer to ANZ Rewards for details of current rates.
ANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Rewards or other ANZ account within 2 business days. Minimum Redemption thresholds apply.
Minimum Redemption thresholds apply. To redeem ANZ Reward Points for frequent flyer points, airpoints or airmiles, you must be a member of the relevant program and an ANZ Rewards Account Holder. Refer to the relevant program terms and conditions for details: Velocity Member Terms and Conditions, KrisFlyer Terms and Conditions, Airpoints Terms and Conditions and Asia Miles. ANZ Reward Points are subject to ANZ Rewards – Rewards Program Terms and Conditions (PDF).
Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF). Existing customers should review their credit contract for information regarding their account.
Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.
For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.
Offer is for new and approved credit card applicants and is limited to one offer per applicant.
ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). The 90,000 bonus Qantas Points and $200 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $200 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 40,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. The 130,000 bonus Qantas Points will not be credited and you will not be eligible for $200 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF) prior to the bonus Qantas Points or $200 being credited to your ANZ Credit Card Account. You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.
Offer available to new and approved applicants who apply for an ANZ Rewards Black Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). The $150 will generally be credited to your credit card account within three months of meeting the spend criteria. The $150 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. ANZ Rewards Points will generally be credited to your ANZ Rewards Account within 3 months of meeting the spend criteria. ANZ Rewards Points will not be credited and you will not be eligible for the $150 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit card in the last 12 months.
Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum Credit Card and is limited to one offer per applicant.
ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). The 75,000 bonus Qantas Points and $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 75,000 bonus Qantas Points will not be credited and you will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.
Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF).
