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ANZ (Taiwan) credit card fee & charges
Annual Fee
1. The annual fee of primary ANZ Travel Signature card is NT$3,600. The annual fee of supplementary card is waived. Now until June 30, 2017, the annual fee of ANZ Travel Signature card is discounted to NT$1,800 for the first year.
2. The annual fee of primary ANZ Travel Platinum card and ANZ Platinum card is NT$3,000. The annual fee for the first year is waived and the annual fee for the coming year is waived if the accumulated usage or transaction amount during the previous year has exceeded 12 times or NT$80,000 respectively. The same renewal rules shall apply for subsequent renewals. The annual fee of supplementary card is waived.
3. The annual fee of primary ANZ Shop & Dine Platinum card is NT$3,000. The annual fee for the first year is waived and the annual fee for the coming year is waived if the accumulated usage exceeded 1 time. The same renewal rules shall apply for subsequent renewals. The annual fee of supplementary card is waived.
Minimum Payment for Each Billing Period
Minimum payment for each billing period is the sum of following 5 amounts:
1. A) 10% of the transaction amount and 5% of cash advanced amount in the current period; B) 5% of the outstanding amount from the previous period of the credit card amount (excluding total amount of outstanding minimum fee payable from previous periods). In case the current balance is lower than NT$500, the minimum payment amount shall include current balance.
2. Total amount of outstanding minimum fee payable from previous periods.
3. Revolving interest, late fee, and other fee (such as annual fee, handling fees for cash advance transaction and Equal Payment Plan (EPP) purchases) any Equal Payment Plan (EPP) purchases.
4. Fees payable as the total transaction amount exceeding the credit limit (including transaction amount and cash advance amount).
5. Monthly systematic investment plan fund amount and handling fee.
Revolving Credit Interest
The calculation of revolving credit interest shall be from the date of entry of the account to be calculated into the revolving credit interest, based on an annual interest rate of 5.99%~14.99%, until the full payment of the said account. ANZ (Taiwan) shall assess the credit status of cardholders through computer system and grant the revolving credit interest to cardholders based on the assessment result.
Authorization of Settlement for Overseas Transactions
1. All credit card transactions shall be settled in New Taiwan dollar or the predesignated foreign currency. When the currency of transaction (including refund) is other than New Taiwan dollar, or an overseas transaction is settled in New Taiwan dollar(including refund), the cardholder authorizes ANZ (Taiwan)to pursuant to the rules of VISA/MasterCard international organization, which shall further be converted into New Taiwan dollar or the predesignated foreign currency based on the exchange rate of the settlement day designated by VISA/MasterCard international organization. The overseas transaction fee shall include both the payment to international credit card organizations and an additional 0.5% of each transaction amount for every transaction. Starting from April 1, 2015, refund transaction would not be charged payment to international credit card organizations and an additional 0.5% of each transaction amount for every transaction.
2. The cardholder authorizes ANZ (Taiwan) to act as the agent for exchange settlement within the territory of Taiwan and to handle the settlement procedures for overseas transactions, provided that the settlement of foreign currency to be paid by the cardholder exceeds the limit prescribed by law, the exceeding amount shall be paid in foreign currency by the cardholder.
Handling Fee for Credit Card Payment
1. If cardholder pays at Taiwan post office with amount less than NT$20,000, the handling fee NT$15 would be posted in primary cardholder's credit card account on the next cycle date of payment.
2. If non-Signature Priority Banking cardholder pays over the counter at any ANZ (Taiwan) branch, the handling fee NT$100 would be charged over the counter.
Handling Fee for Cash Advance
Handling fee for cash advance: NT$ 100 + (amount of cash advance × 3.5%).
Late fee
The late fee is calculated by the dates of late payment. Within the first 29 days of late payment, the late fee imposed is NT$ 300. During 30 to 59 days of late payment, the late fee imposed is NT$ 400. During 60 or more days of late payment, the late fee imposed is NT$ 500. The cardholder whose outstanding balance is below NT$ 1,000 on a monthly basis will not be imposed a late fee.
Over-pay Refund handling Fee
If you instructs over-paid credit card amount to be returned to your domestic bank accounts, the over-pay refund fee is NT$80.
Handling Fee for
Re-issuance of Billing Statements
NT$100 per month (request maximum for the bank statement of the previous 6 months).If you request the re-issuance of bank statements of the previous 6 months, a handling fee of for each bank statement is NT$ 100. The handling fee for the current month could be waived once.
Handling Fee for
Re-issuance of Credit Card
If your credit card is damaged, demagnetized, scratched or cannot be used for other reasons, ANZ (Taiwan) shall charge NT$ 200 handling fee for each new credit card issued.
Returned check fee
NT$300 per transaction
Handling Fee for Issuance of Clearance Certificate
NT$300 per copy
Handling Fee for Retrieving the Copies of Signing Bills
Domestic: NT$50 per transaction
Overseas: NT$100 per transaction
Handling Fee for Report of Loss Card
NT$200 per card

ANZ (Taiwan) credit card application acceptance criteria

Primary cardholders’ age should be 20~65 years. Supplementary cardholder should be 15~75 years. Supplementary card applicants must be spouse, parents, children, sibling, or parents-in-law of primary cardholders. For supplementary card applicants under 20, supplementary applicants must appended to parents or guardian. Their statutory agents must also sign the application form.

Platinum cardholders will be require a minimum annual income of $220,000 and above.
Signature cardholders will be require a minimum annual income of $420,000 and above.

ANZ (Taiwan) credit card required application documents

For foreigners:
1. Completed application form (with ARC/APRC number filled in ID number column).
2. A photocopy of the valid passport and ARC (Alien Residence Certificate) or APRC (Alien Permanent Residence Certificate) on both front and back.
3. A Taiwanese guarantor is required. A photocopy of guarantor ID (both front and back) should be provided.
4. Guarantor declaration form, applicant and guarantor’s financial supporting documents.

Apply for ANZ (Taiwan) credit card

Please mail all your application documents to ANZ Credit Card Center at P.O. BOX No. 3868, 10099, Taipei City Taiwan. Should you have any questions, please contact our Customer Service at 02-2778-9999 or tw.customer.service@anz.com. We will be happy to help you in any way we can.

Report Lost or Stolen Card

If your card is Lost or Stolen, report it by contacting us immediately at 02-2778-9999 or (886) 2-2778-9999 from overseas.

Please manage your finances carefully and value your credit

Interest on revolving credit and cash advance: 5.99%~14.99%
Service Charges for cash advance: NT$100 + the amount of cash advance x 3.5%
Base date of interest on revolving credit: Sep 1, 2015.
Detailed terms and conditions or other fees please refer to anz.tw

澳盛(台灣) 信用卡相關費用
年費
A.飛行御璽卡持卡人應繳信用卡年費正卡年費NT$3,600,附卡免年費。即日起至2017/06/30止,首年優惠年費NT$1,800。
B.飛行白金卡及樂活白金卡NT$3,000,第一年免收年費。年刷卡消費達12次或白金卡年消費金額累積達NT$80,000,免繳次年年費。附卡免年費。
C. Shop & Dine點金白金卡NT$3,000,第一年免收年費。附卡免年費。年刷卡消費次數達1次,免繳次年年費。
最低應繳金額
每期最低應繳金額的計算為下列1-5項之總合:
1.信用額度內於各信用卡帳戶下使用信用卡交易金額之一定比例,包含A.當期一般消費之10%及預借現金之5%。B.前期未繳之信用卡消費款項(扣除累計以前各期逾期未繳最低應繳金額之總合)之5%。前兩項合計最低為NT$500,如使用信用卡交易金額在NT$500以下者,則交易金額全數計收。
2.累計以前各期逾期未繳最低應繳金額總合(此項須一次繳納完畢,不得使用循環信用)。
3.循環信用利息、逾期手續費、其他費用(如年費、輕鬆購分期付款專案手續費、預借現金手續費等)、遲延利息、當期分期預借現金專案之每月應攤還本金及利息、指定特約商店分期付款之每月應攤還本金及利息、輕鬆購分期付款專案之每月應攤還本金及利息、澳盛(台灣)銀行三倍保障計劃每月最低應繳保費及手續費等。
4.超過信用額度部分之帳款(包括消費帳款、預借現金等)。
5.每月定期定額申購基金之金額及手續費。*若上期帳款未清償,則其最低應繳金額應併入當期新增之最低應繳金額計算,以上各卡之最低應繳金額加總後列印於信用卡月結單。
循環信用利息
各筆循環信用利息之計算,係將每筆「得計入循環信用本金之帳款」,自各筆帳款入帳日(起息日)起,就該帳款之餘款以各筆帳款於起息日應適用之循環信用利率計算至該筆帳款結清之日止(元以下四捨五入);持卡人於當期繳款截止日前結清全部應付帳款,或繳款後剩餘未付款項不足NT$1,000(或等值約定結付外幣),則當期結帳日後發生之循環信用利息,不予計收。遲延利息之計算,係將依信用卡約定條款第十五條第五項抵充後,當期指定特約商店分期付款、輕鬆購分期付款專案及分期預借現金專案之每月應攤還本金未清償金額,依各筆金額按其當期所適用之循環信用利率,自當期繳款截止日翌日起算至清償日止(元以下四捨五入)。本行得依據主管機關相關規定及持卡人使用狀況通知持卡人其可適用之循環信用利率及期間。
國外交易授權結匯手續費
持卡人所有信用卡交易帳款均應以新臺幣或約定外幣結付,如交易(含辦理退款)之貨幣非為新臺幣時,則授權本行依各信用卡國際組織依約所列之結匯日匯率將消費金額直接換算為新臺幣或約定結付外幣,加計本行應向各該國際組織給付之手續費及本行以交易金額0.5%計算之國外交易服務費後結付。自民國105年4月1日起,退貨負向交易不再收取國外交易手續費及以交易金額0.5%計算之國外交易服務費。若持卡人於國外(包括交易對象所在國為國外或網路交易者)以新臺幣交易(含辦理退款)者,仍視為國外交易,將以新臺幣交易金額加計本行與各國際組織間約定應給付予該國際組織之手續費及本行以交易金額0.5%計算之服務費後給付。自民國105年4月1日起,退貨負向交易不再收取國外交易手續費及以交易金額0.5%計算之國外交易服務費。各信用卡國際組織向本行收取之手續費率可能隨時變更,將詳載於信用卡帳單背面及本行網站。持卡人授權本行為其在中華民國境內之結匯代理人,辦理在國外(包括交易對象所在國為國外或網路交易者)使用信用卡交易之結匯手續,但持卡人應支付之外幣結匯金額超過法定限額者,持卡人應以外幣支付該超過法定限額之款項。
信用卡繳款手續費
1. 郵局代收信用卡帳款金額低於NT$20,000(含)者,持卡人需自行負擔郵局繳款手續費NT$15,本行將於繳款後的次結帳日透過正卡持卡人的信用卡帳戶收取此費用。
2. 非本行優先理財客戶至澳盛銀行分行臨櫃繳交信用卡款,本行將酌收繳款手續費NT$100,並於臨櫃繳款時一併收取。
預借現金
手續費:每筆預借現金金額x3.5%+NT$100。
逾期手續費
按逾期日數累計,逾期在29天內狀態:NT$300;逾期在30~59天內之狀態:NT$400;逾期在60~89天內之狀態:NT$500。「當期帳單應繳總金額」為NT$1,000以下者,不計收逾期手續費。持卡人如逾期超過89天(含)以上者,其應付之逾期手續費,以計收至逾期89天內為上限。
溢繳款回作業費
退回本行信用卡溢繳款至持卡人帳戶,每筆酌收溢繳款退回作業費NT$80。
補印帳單費用
補印最近1個月內之帳單不收費(免費補印以一次為限,逾一次者,每次加收(NT$100)。補印1個月以前之帳單,每次每月手續費為NT$100。超過6個月以上之帳單恕無法提供。
晶片信用卡製卡手續費
如因污損、消磁、刮傷或其他原因致令信用卡不堪使用,將收取晶片信用卡製卡手續費,每卡NT$300。
退票手續費
每筆交易NT$300。
清償證明手續費
每份NT$300。
調閱簽單手續費
國內之消費每筆NT$ 50,
國外之消費每筆NT$100。
掛失卡片手續費
每卡NT$200。

澳盛(台灣) 信用卡申請文件

外籍人士:
1. 填寫完成之信用卡申請書(身分證欄位需填上外僑居留證或外僑永久居留證統一證號號碼)
2. 有效外僑居留證或外僑永久居留證正反面影本、護照影本
3. 保證人身分證正反面影本
4. 保證書正本(保證書向本行索取)、申請人及保證人財力證明

澳盛(台灣) 信用卡申請資格

正卡申請人須為20歲以上,65歲以下。附卡申請人須為正卡申請人之二等親內:父母、配偶、配偶父母、兄弟姊妹(須年滿20歲以上)及子女,並年滿15-75歲,若未滿20歲,正附卡關係須為父母子女,並需附上法定代理人同意書(需正本簽章並寄回)。

申辦白金卡所需之年收入為22萬元以上。
申辦御璽卡所需之年收入為42萬元以上。

申請澳盛(台灣) 信用卡

請將您的申請文件寄至回10099台北郵局3868號信箱 澳盛(台灣)銀行信用卡中心收。如有任何問題,歡迎致電客戶服務專線02-2778-9999,或者是郵寄至客戶服務信箱tw.customer.service@anz.com,我們將竭誠為您服務。

信用卡遺失處理

若您的卡片遺失或被竊,請立即來電客戶服務中心掛失02-2778-9999。


謹慎理財 信用至上

信用卡循環信用年利率:5.99%~14.99% (基準日︰2015/09/01);預借現金手續費︰每筆預借現金金額乘以3.5%+NT$100;詳細權益、服務內容或相關費用查詢請見權益手冊或上本行網站:anz.tw