ANZ Travel Account Facility Terms and Conditions

ANZ TRAVEL ACCOUNT FACILITY

TERMS AND CONDITIONS

08.11.2023

ANZ CONTACTS

ANZ may change the contact details below from time to time.

If we do, we will not notify you of the change (unless required

by law or industry code) but these details will be published on

our website anz.com

GENERAL ENQUIRIES

For all enquiries about your facility go to anz.com or

call us on 1800 032 481

Hearing and speech impaired customers can utilise the

TTY (telephone typewriter) service by calling 1300 366 255

LOST OR STOLEN CARD DETAILS,

SUSPECTED UNAUTHORISED

TRANSACTIONS OR DIVULGED PASSWORDS

For lost or stolen card details, suspected unauthorised use

or lost or divulged passwords (other than online passwords)

please contact us straight away on the following numbers:

If you are in Australia – ANZ Cards 1800 033 844 (24 hours a day)

If you are overseas – +61 3 8699 6955 (24 hours a day)

For lost or divulged online passwords please contact us

straight away on 13 33 50

ANZ COMPLAINT RESOLUTION CENTRE

Phone: 1800 805 154 (8am – 7pm AEST/AEDT weekdays

excluding national public holidays)

Email: yourf[email protected]

Online: Visit anz.com

(Select ‘Complaints and compliments’ under

‘Find out more’, Select ‘Lodge your feedback online’)

Mail: ANZ Complaint Resolution Centre Locked Bag 4050,

South Melbourne, VIC 3205

AUSTRALIAN FINANCIAL COMPLAINTS

AUTHORITY (AFCA)

Phone: 1800 931 678

Email: info@afca.org.au

Website: www.afca.org.au

Mail: Australian Financial Complaints Authority GPO Box 3,

Melbourne, VIC 3001

CONTENTS

Part A

Travel Account Terms 5

1. Definitions and Interpretation 5

2. Using Travel Accounts and Travel Cards 10

3. Account Credit Limits and exceeding your limit 11

4. Spend Caps and other limits and controls 12

5. Transaction Balances on a Travel Account 14

6. Debits and credits to a Travel Account 15

7. Transactions on a Travel Account 16

8. Statements of account 21

9. Amounts you must pay on a Travel Account 21

10. How to make payments to a Travel Account 21

11. How we apply payments and other credits 22

12. Fees and charges you must pay 23

13. How we calculate and charge interest 24

14. Changes to your Commercial Card Contract 24

15. When can ANZ adjust a Travel Account? 29

16. Amounts that may be included in a purchase 30

17. Exchange rates used for Foreign Currency Transactions 30

18. Keeping your Travel Card details secure 30

19. Reporting unauthorised transactions and lost or stolen

Travel Card details 31

20. Disputing Transactions and your liability 32

21. What are ANZ's complaint procedures? 34

22. Cancellation and Termination 34

23. Default 38

24. Communication with Authorised Users and TMCs 41

25. Joint and Several Liability 41

26. Privacy and Confidentiality 41

27. Banking Code of Practice 45

28. Financial Difficulty 45

29. Inactive Accounts 45

30. Governing Laws 45

31. General Matters 45

32. Transaction Query Management 47

Part AA

Enhanced Data Terms 48

Part B

ANZ Travel Account –

Unauthorised Transaction Insurance 50

Section A - Eligibility for cover 57

Section B - Period of Cover 57

Section C - Benefit Limits 57

Section D - Excess and Exclusions 58

Section E - The cover available 58

WHAT YOU NEED TO KNOW ABOUT THESE

TERMS AND CONDITIONS

Part A (the Travel Account Terms) and Part AA (the Enhanced

Data Terms) of this document contain terms for your travel

account. These terms apply to you and all Authorised Users.

You should read the Travel Account Terms and the Enhanced

Data Terms with the other documents that are part of your

Commercial Card Contract with us.

Part B of this document does not form part of your Commercial

Card Contract with us. This part sets out important information

about complimentary insurance benefits that may be available.

PART A

TRAVEL ACCOUNT TERMS

1. DEFINITIONS AND INTERPRETATION

1.1 Definitions

The following definitions apply to your Commercial Card

Contract unless the context requires otherwise.

‘Account’ means any account (including any travel account,

commercial card account or virtual card account) opened

by us for the purpose of recording transactions and which is

subject to the terms of your Commercial Card Contract.

‘Account Credit Limit’ has the meaning given to it in clause

3(a).

‘Annual Interest Rate’ means the annual percentage rate that

applies to a Transaction Balance on a Travel Account at the

relevant time.

‘ANZ’, ‘ we’ or ‘us’ means Australia and New Zealand Banking

Group Limited (ABN 11 005 357 522 and Australian credit

licence number 234527) and its successors and assigns, and

‘our’ has a corresponding meaning.

‘ANZ Business Day’ means a day that is not a Saturday, Sunday

or an Australian national public holiday.

‘Authorised Signatory’ or ‘Authorised Person’ means a person

designated by the Principal with authority to act on its behalf

in connection with the operation of a Travel Account (including

but not limited to changing Spend Caps or other restrictions or

limits and adding or removing Authorised Users).

‘Authorised User’ means:

• a person designated by the Principal with authority to use

Travel Card details and to transact on a Travel Account; or

• an Individual Cardholder.

‘Cardholder’ means the Principal or an Individual Cardholder.

‘Cash Advance’ means any of the following:

• use of Travel Card details or a Travel Account for obtaining

cash in any currency;

• paying for things that are equivalent to or capable of being

used as a substitute for cash or money or a medium of

exchange, including traveller’s cheques, cheques, drafts

or money orders, international money transfers, crypto-

currency or stored value cards;

• transferring money, including (if available) through ANZ

Internet Banking, ANZ Phone Banking or ANZ Mobile

Banking;

• paying a bill (unless it’s through BPAY® and the biller accepts

a credit card as a payment method);

• paying for lottery or gambling goods or services; or

• any transaction that a merchant, Visa or another person

involved in accepting or processing the transaction treats as

a cash advance, or tells us is a cash advance.

Depending on the circumstances, we may treat any of these

things as a Purchase instead of a Cash Advance.

In determining whether a transaction is a Cash Advance we

rely on information provided by the merchant, Visa or another

person involved. This includes information we are given about

the type of business carried on by the person accepting it.

In that case, we will treat all transactions with those types of

businesses as a Cash Advance, even if it isn’t something listed

above (for example, transactions with businesses that sell

lottery tickets).

‘Cash Advances Balance’ has the meaning given to it in clause

5.2(b).

‘Closing Balance’ means, in relation to a Travel Account, the

Travel Account Balance, calculated on the day we issue a

statement as the balance for the end of the statement period

for that account.

‘Commercial Card Contract’ means these Travel Account

Terms, your Letter of Offer and any other document identified

®Registered to BPAY Pty Ltd ABN 69 079 137 518

in your Letter of Offer as comprising part of your commercial

card contract.

‘Daily Interest Amount’ means the Cash Advances Balance (as

at the end of each day) multiplied by the applicable Annual

Interest Rate divided by 365.

‘Default Rights’ has the meaning given in clause 23.3.

‘Due Date’ or ‘Payment Due Date’ means the date by which a

payment must be made, as shown on a statement of account.

‘Electronic Banking Conditions of Use’ means the conditions

anz.com/commcards-ebcou as amended or replaced by us

from time to time.

‘Enhanced Data’ means detailed line item information in

relation to a transaction. Detailed line item information for a

transaction can include invoice number, transaction reference

number, transaction date, supplier name, merchant category

code amount, GST amount, booking reference, credit card

name, credit card number, passenger name, quantity and item

description.

‘facility’ means an ANZ commercial card facility offered by ANZ

to the Principal or any other facility offered by ANZ where the

terms of our offer state that these Travel Account Terms apply

to that facility or to a product offered under that facility.

‘Facility Limit’ means, in relation to a facility, the amount that

is notified to you (for example in a Limit Letter or any other

similar offer documentation) at the time ANZ offers the facility

to you or such other amount as ANZ authorises.

‘GST’ means GST as defined in the GST Act.

‘GST Act’ means the A New Tax System (Goods and Services Tax)

Act 1999 (Cth).

‘Individual Cardholder’ means a person to whom Travel Card

details are issued in accordance with these Travel Account

Terms.

‘Interest Charge’ has the meaning given to it in clause 13(c).

‘Letter of Offer’ means the letter we send you offering a facility.

‘Limit Letter’ means a letter under which ANZ sets out the

Facility Limit for a facility.

‘overlimit amount’ means the amount by which, at any time, a

Travel Account Balance exceeds the applicable Account Credit

Limit.

‘Principal’ means the entity who has been offered a facility and

in whose name a Travel Account is opened.

‘Purchase’ means:

• a purchase of goods or services that is not a Cash Advance;

• any other use of Travel Card details or Travel Account that

we treat as a purchase.

‘Purchases Balance’ has the meaning given to it in clause 5.2(a).

‘Spend Cap’ means the limit on the aggregate value of all

Transactions that may be made using the same Travel Card

details during the period referred to in clause 4.1(b).

‘statement period’ has the meaning given to it in clause 8.

‘tax’ or ‘taxes’ include:

• any tax, levy, impost, deduction, charge, rate, withholding or

duty by whatever name called levied, imposed or assessed

(including, without limitation, withholding tax, employment

taxes, land tax, property tax, excise duties, customs

duties, goods and services tax, value added tax, sales tax,

consumption tax, stamp duty and transaction duties or any

similar impost imposed or levied); and

• any interest, penalty, charge, ﬁne or fee or other amount of

any kind assessed, charged or imposed on or in respect of

the above.

‘TMC’ means the Travel Management Company designated by

the Principal.

‘Transaction’ means a Purchase or Cash Advance.

‘Transaction Balance’ means:

• a Purchases Balance; or

• a Cash Advances Balance.

‘Transaction Query’ means a query by the Principal , an

Authorised User or an Authorised Signatory regarding a

transaction processed to a Travel Account for which the

relevant statement contains incomplete Enhanced Data.

‘Travel Card’ or ‘Travel Card details’ mean collectively the card

number, name on the card, Card Verification Value (CVV) and

expiry date.

‘Travel Account’ means any account opened by us for the

purpose of recording transactions under your Commercial Card

Contract and which is subject to these Travel Account Terms.

‘Travel Account Balance’ means, in relation to a Travel Account,

the total of your Transaction Balances at any time for that

account.

‘Travel Account Terms’ means Part A of this document.

‘Travel Card Letter’ means a letter issued by ANZ to the

Principal setting out the Travel Card details.

‘you’ means the Principal and ‘your’ has a corresponding

meaning.

1.2 Interpretation

Headings are for convenience only and do not affect

interpretation. The following interpretation rules apply unless a

different rule is specified in your Commercial Card Contract.

(a) A reference to something being in ‘writing’ or ‘written’

means in a written form acceptable to ANZ.

(b) The singular includes the plural and vice versa.

amended, assigned, transferred or replaced from time to

time.

(d) A reference to ‘electronic methods’ includes (but is

not limited to) sending a document to your electronic

address, or publishing the document on our website or in

ANZ Internet Banking or ANZ Mobile Banking and giving

you notice personally, or by sending the notice to you by

mail or to your electronic address, when a document is

available.

(e) A reference to ‘ANZ Mobile Banking’ means the ANZ App

or any ANZ mobile banking application that succeeds or

replaces that application.

1.3 Electronic Banking Conditions of Use

(a) The use of Travel Card details, and where relevant, the

use of Travel Card details in conjunction with ANZ Phone

Banking, ANZ Internet Banking or BPAY® to access a Travel

Account is subject to the Electronic Banking Conditions

of Use.

(b) The terms of the Electronic Banking Conditions of Use are

incorporated by reference into this document. You can

get a copy at anz.com/commcards-ebcou

Terms and the Electronic Banking Conditions of Use, the

Travel Account Terms will prevail.

2. USING TRAVEL ACCOUNTS AND TRAVEL

CARDS

2.1 Contract acceptance and liability

(a) You are taken to have accepted the terms of your Letter

of Offer when (whichever occurs first):

• you accept in writing;

• Travel Card details are used by an Authorised User for

the first time; or

• a transaction is made on a Travel Account for the first

time.

We may also allow you to accept the terms of your Letter

of Offer in other ways.

(b) You must ensure that each Authorised User complies

with the Commercial Card Contract and you will be

responsible for any breach if they don’t.

are responsible for all transactions on a Travel Account

except any transaction attributable to the negligence,

fraud or wilful misconduct of ANZ.

2.2 Issuance of Travel Card details

(a) Travel Card details will be contained in a Travel Card

Letter. No physical cards (i.e. with a chip or magstripe) will

be issued by us.

(b) A request for the issue of Travel Card details must be

made by you or an Authorised Signatory, in writing or

in any other form (electronic or otherwise) approved by

ANZ. A request must also specify the Spend Cap and, if

applicable, any other limits or restrictions. See clause 4 for

more details.

you or an Authorised Signatory have asked us not to.

You, an Authorised Signatory or an Individual Cardholder

may request ANZ to reissue Travel Card details (for

example if the Travel Card details have been lost, stolen or

damaged).

(d) ANZ reserves the right, acting reasonably, not to issue or

reissue Travel Card details.

2.3 Identification requirements

(a) ANZ may need to verify your identity. We may also need

to verify the identity of each Individual Cardholder,

Authorised Signatory or any other person who is

authorised to use or have access to a Travel Account. If

we do, then each such person must meet our customer

identification process to our satisfaction (acting

reasonably) before they can use Travel Card details or

a Travel Account (as applicable). We may also need to

repeat the identification process and/or update any

details from time to time if ANZ believes such information

is reasonably necessary.

(b) We may, acting reasonably, allow you to appoint an

‘identification officer’ to complete identification checks

for Individual Cardholders. You must contact us first if you

wish to do this.

2.4 Using Travel Accounts and Travel Card details

(a) A Travel Account and Travel Card details must:

• be used wholly or predominantly for business

purposes and not for private or domestic purposes;

and

• not be used for any unlawful purpose, including the

purchase of goods or services prohibited by the laws

of the jurisdiction you are in.

(b) Travel Card details are only valid and must only be used

by an Authorised User on or before the applicable expiry

date. For further details on card expiry see clause 18.

merchant displaying a credit card symbol will always

accept or honour Travel Card details.

3. ACCOUNT CREDIT LIMITS AND

EXCEEDING YOUR LIMIT

(a) The Account Credit Limit for a Travel Account will be the

amount authorised by ANZ at the time the account is

opened or such other amount as ANZ authorises from

time to time.

(b) If you have more than one Account open under the

facility then the aggregate limit for all Accounts must not

exceed the Facility Limit.

outstanding Travel Account Balance exceeding the

Account Credit Limit for that account, you will be taken to

have made a request for an overlimit amount. Examples

of when this may occur are:

• if a Transaction is made at a time when electronic

‘authorisation’ systems are not available (for example,

manual transactions or when systems are ‘off-line’ for

any reason); or

• if any interest or fees and charges are payable by you

in accordance with these Travel Account Terms.

(d) If we allow the debit to proceed, we will be taken to have

agreed to your request and the overlimit amount will

form part of the Closing Balance of the relevant Travel

Account. We may, in our absolute discretion, decline any

further Transactions until any overlimit amount has been

paid.

(e) If we don’t allow the debit to proceed and you have

any unused Facility Limit available, you or an Authorised

Signatory can request us to increase an Account Credit

Limit at any time. If we do agree to increase an Account

Credit Limit we will notify you of our approval, the

effective date of the approval and of any change to the

fees or charges and/or the Annual Interest Rate payable

by you as a result of our approval. If you do not have any

unused Facility Limit, then you or an Authorised Signatory

must ask us to increase your Facility Limit.

(f ) If you ask us to increase your Facility Limit in accordance

with paragraph (e) above, we don’t have to agree to

increase the limit and any request to increase your Facility

Limit will be subject to our usual credit assessment

criteria.

(g) If we have approved an increase to your Facility Limit, you

or an Authorised Signatory may then ask us to apply that

additional credit to increase an Account Credit Limit.

4. SPEND CAPS AND OTHER LIMITS AND

CONTROLS

4.1 Spend Caps

(a) A Spend Cap must be set at the time you request us

to issue Travel Card details. If you do not nominate the

amount of a Spend Cap, we will set a default amount for

the Spend Cap.

(b) The Spend Cap period will commence on the day we

issue a statement of account and will be reset (ie the

full Spend Cap will be available to use again) on the day

before the next statement is issued.

Travel Card details at any time will be limited to the

available credit on the relevant Travel Account or the

amount of credit that is available to use with the same

Travel Card details at that time, whichever is lower.

Subject to clause 4.5, this may result in Transactions being

declined even though the Spend Cap for an individual

Travel Card is not fully utilised.

4.2 Other restrictions or limits

(a) You or an Authorised Signatory may ask us to place a

restriction or a limit on the types of Transactions that

may be made using Travel Card details. These include

restricting:

• if we have agreed that a Travel Account can be used

to make Cash Advances, the availability of Cash

Advances;

• the amount of a Transaction; or

• the type of merchant that Purchases can be made from.

(b) The restrictions or limits referred to in clause 4.2(a)

are only applied to individual cards unless we agree

otherwise.

make Cash Advances, then we may impose conditions,

that are reasonably necessary to protect ANZ and you (for

example producing suitable identification), which must

be met before a Cash Advance request can be made.

4.3 Restrictions or limits set by merchants and other

providers

Other merchants or service providers may also impose

minimum amounts or limits on the amount of Cash Advances

available. These may vary between providers.

4.4 Changing an existing limit or restriction

You or an Authorised Signatory may ask us to change a Spend

Cap or any other limit or restriction applied to the use of any

Travel Card details or to a Travel Account (other than one

applied by a merchant or other service provider).

If we agree to the request, the change will only be effective

once it has been processed by us.

4.5 When will a restriction or limit not apply?

(a) There may be times when a limit or restriction on the

use of any Travel Card details or to a Travel Card Account

will not be effective. This may occur when electronic

‘authorisation’ systems are not available (for example,

manual transactions or when systems are ‘offline’ for

any reason) or in the case of a merchant restriction it

may occur if the merchant category code requested is

different to the code assigned to a merchant.

(b) If this happens, the Principal agrees that it is liable for the

full Transaction amount. The Principal will not be liable

for the full Transaction amount if a limit or restriction

is not effective due to the negligence, fraud or wilful

misconduct of ANZ. For the avoidance of doubt ANZ will

not be liable for losses arising from the conduct of TMCs,

merchants or other third parties involved in processing

Transactions.

5. TRANSACTION BALANCES ON A TRAVEL

ACCOUNT

5.1 What is a Transaction Balance?

(a) A Travel Account can be used for Purchases and, if we

agree, Cash Advances. You have a separate Transaction

Balance for each of these Transaction types and together

they make up a Travel Account Balance.

(b) Debits (for example Transactions, fees and charges and

interest) and credits (for example payments, refunds and

reversals) are allocated to these Transaction Balances.

Balance.

5.2 What amounts are included in a Transaction Balance?

(a) The Purchases Balance on a Travel Account includes:

• Purchase amounts;

• fees and other charges and other amounts we debit

under clause 12, other than any that we reasonably

consider relate to another Transaction Balance;

• any other amount we are entitled to debit under the

Commercial Card Contract; and

• interest debited in respect of those amounts, and on

interest we have already debited.

(b) The Cash Advances Balance on a Travel Account includes:

• Cash Advance amounts;

• fees and other charges and other amounts we debit

under clause 12 that we reasonably consider relate to

the Cash Advances Balance; and

• interest debited in respect of those amounts, and on

interest we have already debited.

6. DEBITS AND CREDITS TO A TRAVEL

ACCOUNT

6.1 When debits and credits will be processed to a Travel

Account

(a) We process each debit or credit to a Travel Account on

the day determined by our business processes, acting

reasonably.

(b) There may be a difference between the time and day a

transaction is made and the time and day a transaction is

processed.

(including cut-off and processing times of other parties

involved), weekends and public holidays, different time

zones or mail delivery times, and third party system

requirements (such as Visa’s). Cut-off times can vary, for

example different times can apply to different payment

methods. We, or someone else involved, might also need

more information from you before we can process a debit

or credit.

6.2 Dating debits and credits

(a) We will record each debit and credit as having a

‘transaction date’, and a ‘processing date’. The processing

date may be different from the transaction date.

(b) There may be times when we may debit an amount (for

example interest or fees) before the date recorded on

a statement of account as the transaction date or the

processing date (for example because the date we would

have debited it is not an ANZ Business Day). This may

affect the amounts available for you to use. However, we

won’t begin to calculate interest on that amount until the

transaction date.

6.3 When payments and other credits are effective

Payments and other credits do not form part of a Travel

Account Balance until they are processed. This means that

payments and other credits that have not been processed

may not be taken into account for the purposes of calculating

interest, satisfying payments, or working out if an account is

overlimit. This applies even if they are available for you to use

before then.

6.4 When debits are effective and when we charge

interest from

(a) We calculate interest on each debit from the transaction

date but we may not always debit that interest charge to

a Travel Account. See clause 13 for more details.

(b) If the transaction date and the processing date for

a debit are in the same statement period and the

processing date is after the transaction date, we may

make adjustments to the relevant Transaction Balance, for

example to account for interest between those dates.

are not in the same statement period, then we will only

calculate interest on the relevant debit from the first day

of the statement period in which the processing date falls

and not from the transaction date (which is in the earlier

statement period).

6.5 Processing order

(a) Our business processes also determine the order in which

we process debits and credits on any given day. This

means for example that they may not be processed in

the order they were made.

(b) The processing order can affect the amount available for

you to use (see clause 7.3) and the way any excess credit

is applied (see clause 11.3).

7. TRANSACTIONS ON A TRAVEL

ACCOUNT

7.1 Authorising amounts

(a) When an Authorised User authorises any Transaction,

including by using or providing the Travel Card details,

you agree that we can debit the Transaction amount to

the relevant Travel Account.

(b) For each Transaction that is authorised, you are agreeing

that the amount of the Transaction is correct.

when we debit or credit amounts to a Travel Account.

(d) You should ensure that Authorised Users carefully check

amounts and other details at the time the Travel Card

details are used or provided (for example before the

Authorised User authorises an amount), and any receipts,

and tell the person accepting the Travel Card details if

something isn’t correct.

7.2 Authorisations by ANZ

(a) Before any Transaction is made, the TMC, merchant or

other person involved in the Transaction may obtain an

authorisation from us for the Transaction.

(b) We can refuse to authorise a Transaction where:

• you do not have sufficient credit available on the

applicable Travel Account;

• cash advance or transaction limits apply to the

Transaction;

• Travel Card details have been cancelled or suspended

or the account has been blocked;

• we reasonably suspect fraud has or may occur on a

Travel Account; or

• we reasonably consider it necessary to reduce the risk

of loss to you or to ANZ.

available on a Travel Account (and the Transaction may be

shown as ‘pending’). If the Transaction is not completed,

the amount of credit may continue to be reduced for a

period of time, usually for around six ANZ Business Days.

(d) The amount we debit to a Travel Account may be

different from the amount we authorise. For example, if

a merchant has obtained authorisation for an estimated

amount it can settle for a higher amount without getting

another authorisation from us, or if the transaction is in

a foreign currency the exchange rate can change before

the transaction is settled. This means you could exceed

the applicable Account Credit Limit when the amount is

debited.

7.3 Indicative amounts shown

(a) An Authorised User may be shown amounts, for example

on a receipt or transaction summary, which are indicative

of:

• the amount the Authorised User is able to use (which

might, for example, be referred to as ‘funds’, or just a ‘$’

figure) – this amount may reflect some, but possibly

not all, debits and credits that have been made but

not yet processed; or

• the amount owing on a Travel Account (which might,

for example, be referred to as ‘balance’) – this amount

only reflects the debits and credits which have actually

been processed by us as at a specific point in time.

(b) This means for example that:

• it may appear that there is a positive Travel Account

Balance when another transaction is made, but

there may not be a positive balance when that later

transaction is processed, and you may have to pay

interest and applicable fees; or

• it may appear that there is sufficient credit available

to use for another transaction but it may be declined,

or there may not be sufficient credit at the time it is

processed and your account may go overlimit.

This might be because credits are still pending, or

another debit has arisen and/or been processed first.

Account Credit Limit and clause 6 for more information

about how we process debits and credits.

7.4 Standing authorities to debit your account

(a) An Authorised User can give the TMC, a merchant or

other party standing authority to debit a Travel Account.

This includes for recurring transactions where the TMC,

merchant or other party may debit a Travel Account

without getting your authorisation each time, and for

future transactions where the TMC, merchant or other

party uses stored card details. They do this by providing

their Travel Card details to the TMC, merchant or other

party.

(b) If you or an Authorised User want to cancel the standing

authority, this must be done directly with the TMC,

merchant or other party. We will generally keep debiting

the relevant amounts from the relevant Travel Account

until the arrangement is cancelled.

standing authority after they have been asked to then

you can ask us to help you resolve the dispute under

clause 20 (you should keep evidence of the request).

(d) If we issue replacement Travel Card details (for example if

Travel Card details expire or are lost or stolen and in either

case replacement details are issued), existing standing

authorities should be cancelled and set up with the

replacement Travel Card details, or your details updated

as appropriate, if you want the standing authorities to

continue. In some cases an existing standing authority

may automatically continue (for example, under Visa’s

arrangements with some merchants, there may be

circumstances where credit card details are automatically

updated when replacement card details are issued). If

you don’t want that to happen then you must cancel the

standing authority.

(e) If:

(i) An event of default has occurred under clause 23; or

(ii) Travel Card details have been cancelled or suspended

or a Travel Account has been blocked or closed in

accordance with these terms,

then ANZ may stop processing recurring or other relevant

transactions even if the relevant standing authority has

not been cancelled.

7.5 Related charges

(a) The TMC, merchant or other party involved in accepting

or processing a Transaction, or the recipient of any

money, may impose additional related charges when

Travel Card details are used. These include, for example

merchant surcharges or branch fees.

(b) These charges are outside our control and generally we

are not able to identify them on a statement of account.

amount (including for the purposes of calculating any fee

we are entitled to charge for a Transaction).

7.6 Anti-Money Laundering and Sanctions

(a) You agree that we may, without providing you with any

notice and without incurring any liability delay, block or

refuse to process any transaction, or close your account,

if we reasonably consider or suspect that processing the

transaction or keeping your account open:

• may break any law or regulation in Australia or any

other country;

• involves any person (natural, corporate or

governmental) that is itself sanctioned or is

connected, directly or indirectly, to any person that

is sanctioned under economic and trade sanctions

imposed by the United Nations, the European Union

or any country;

• may directly or indirectly involve the proceeds of, or

be applied for the purposes of, unlawful conduct; or

• may be inconsistent with or prohibited by our anti-

money laundering and counter-terrorism financing or

sanctions policies.

(b) Such policies, which can change, are designed to help

ANZ comply with legal obligations and to identify,

manage and mitigate money laundering, terrorism

financing and sanctions risks. These policies cover matters

such as ANZ’s approach to:

• customer due diligence;

• monitoring transactions for indicators of unusual

behaviour and reporting suspicious activities to

appropriate authorities; and

• transactions that may be connected, directly or

indirectly, with sanctioned parties, jurisdictions,

products or sectors of economies in certain

jurisdictions.

terrorism financing policy and our sanctions policy is

available on anz.com and includes, for example, a current

list of relevant jurisdictions.

(d) You must give us all the information we reasonably need

to manage anti-money laundering, counter-terrorism

financing and/or economic and trade sanctions risk or

to comply with any law in Australia or any other country.

You agree that we may give any information about you

to:

• any law enforcement agency, regulatory agency or

court if we must do this under any law or regulation in

Australia or elsewhere; and

• any correspondent (or agent) bank we use to make

the payment for the purpose of compliance with any

law or regulation.

(e) Unless you have told us that you are a trustee of the

account or are acting on behalf of someone else, you

warrant that you are acting on your own behalf in

entering into this agreement.

(f ) You declare and undertake to us that the processing

of any transaction by us in accordance with your

instructions will not breach any law or regulation in

Australia or any other country.

8. STATEMENTS OF ACCOUNT

(a) We will issue a statement of account to you for each

Travel Account on or before the end of each statement

period unless we decide not to because it is not required

by law. Your statement periods will generally be around

30 days, ending on or around the same day each month

(taking into account weekends and public holidays).

(b) Your statements will show amounts that have been

debited or credited to the applicable Travel Account

during the statement period. Amounts stated on a

statement of account will always be expressed in

Australian currency.

to contact us (using the contact details at the front of

the booklet) if something doesn’t look right, or if you

have any questions about an entry on your statement of

account.

(d) Depending on the circumstances, we may be able to

reverse a transaction if it isn’t correct, but you must raise a

dispute with us under clause 20 first.

9. AMOUNTS YOU MUST PAY ON A TRAVEL

ACCOUNT

You must pay the Closing Balance by the Due Date shown on

the statement of account.

10. HOW TO MAKE PAYMENTS TO A TRAVEL

ACCOUNT

(a) You can make payments to a Travel Account in any

way we allow. See your statement of account for more

information about the payment methods available.

(b) All payments must be settled with Australian dollars.

until we have received and processed it. You should

make sure you allow time for the payment to reach us,

especially if you are paying from another bank or by mail.

See clause 6 for more information about processing.

(d) Cheques and other non-cash payments will generally not

be processed to a Travel Account, or available for you to

use, until they have cleared (around three ANZ Business

Days).

(e) When we make adjustments to Transaction Balances to

account for refunds and reversals, we don’t treat them

in the same way as payments to a Travel Account for the

purposes of seeing whether you have paid your Closing

Balance under clause 9. That means you could be in default

under the Commercial Card Contract and/or be charged

a late payment fee even though a refund or reversal has

been processed to your account by the Due Date.

(f ) In some circumstances payments can be rejected (for

example, because there is an error with them). If they are

subsequently processed, we will make adjustments to

your Transaction Balances, but they may not be treated

as a payment for the purposes of clause 9. This means

you could be in default, be charged a late payment fee

or overlimit fee and/or be charged interest (unless the

rejection is due to ANZ’s fraud, wilful misconduct or error).

(g) If a payment made to a Travel Account is dishonoured

or reversed (for example because it was paid in error,

or because we have agreed in our discretion, acting

reasonably, to reverse it) then we will debit the

Transaction Balance that the original payment was

credited to accordingly. We may also make adjustments

under clause 15. The amount of credit available on

the applicable Travel Account will also be reduced

accordingly. This may also mean that you incur a late

payment fee and/or exceed an Account Credit Limit.

11. HOW WE APPLY PAYMENTS AND OTHER

CREDITS

11.1 Application of payments

(a) Once a payment has been processed by us we will

generally apply it in the following order:

(i) First, to pay any unpaid interest (whether the amount

has appeared on a statement of account yet or not)

(ii) Secondly, to pay any unpaid fees and charges

(whether the amount has appeared on a statement

yet or not)

(iii) Thirdly, to pay all Transactions (that were included in

the Closing Balance shown on your last statement

issued)

(iv)Lastly, to pay any other Transactions,

in each case, in order from those that have the highest

Annual Interest Rate to those that have the lowest.

(b) If the same Annual Interest Rate applies to all of the

relevant amounts, we will apply the payment towards

paying off those amounts in the order determined by our

business processes, acting reasonably.

11.2 How we apply credit from a refund or reversal

After a refund (for example where you have returned goods

or cancelled services) or a reversal (for example where the

Transaction was made in error or a dispute has been resolved

in your favour) has been processed we will generally apply any

credit from that refund or reversal to reduce amounts forming

part of the Transaction Balance which the relevant Transaction

(to which the refund/reversal relates) was originally debited

from (based on, if applicable, information provided to us).

11.3 How we treat excess credit

If there is any excess credit remaining after we have applied a

payment or other credit, then we will apply it to subsequent

debits in the order determined by our business processes,

acting reasonably. This will generally be based on the order

those debits are processed, or the dates on which your

Transaction Balances were set up.

See clause 6 for more information about processing.

12. FEES AND CHARGES YOU MUST PAY

(a) You must pay:

• the fees and other charges set out or referred to in

your Letter of Offer;

• any enforcement expenses we may charge you under

clause 23.3; and

• any additional fees and charges we tell you about or

agree with you under clause 14.

(b) We may debit those fees and other charges to the

applicable Travel Account (or, subject to our agreement, to

any other ANZ account nominated by you for this purpose)

at any time after we become entitled to charge them.

taxes or charges that are payable in relation to a Travel

Account or any amounts debited or credited to a Travel

Account. We may also debit those amounts to the

relevant Travel Account.

(d) Any annual or other periodic fees are charged for the

relevant year or period or any part of it. This means, unless

we agree otherwise, that we will not refund them once

debited to a Travel Account (or, subject to our agreement,

to any other ANZ account nominated by you), even if

Travel Card details are cancelled or a Travel Account is

closed.

13. HOW WE CALCULATE AND CHARGE

INTEREST

(a) Interest is calculated on your Purchases Balance as at the

end of each day but we do not charge that interest to

your account(s).

(b) If we have agreed that a Travel Account can be used to

make Cash Advances, then interest is also calculated on

your Cash Advances Balance as at the end of each day.

Balance then we add up the Daily Interest Amount for

each relevant day in the statement period (the ‘Interest

Charge’) and we debit that to your Travel Account as

at the last day of the statement period. If we make any

adjustments to interest under clause 6.4 or clause 15

these adjustments will also be made as at the last day

of a statement period. Your Interest Charge and any

adjustments will be included in your Closing Balance for

the statement of account.

14. CHANGES TO YOUR COMMERCIAL CARD

CONTRACT

(a) Sometimes ANZ may need to change the terms of your

Commercial Card Contract. The tables in paragraphs (d)

and (e) below set out the changes that ANZ can make.

Each table also sets out how and when ANZ will notify

you of these changes.

(b) Each table is subject to the following:

• if any applicable laws or industry codes (such as the

Banking Code of Practice) require a minimum notice

period or a particular delivery method, then ANZ will

use the method and give you at least the notice they

require; and

• as long as ANZ is not in conflict with those laws or

industry codes, ANZ may also give you less notice

than specified in the table if it is reasonable for us to

manage a material and immediate risk.

• ‘in writing’ includes a notice by any notification

method allowed by these Travel Account Terms and,

unless prohibited by law, will include by electronic

methods; and

• ‘public notice’ is a notice published in a national

newspaper, or any other public notice as long as the

requirements of any applicable law or industry code

are met.

(d) Changes to fees, interest and payments

The table below sets out changes that can apply to all or a class

of customers for a product, or to a class of customers like you.

Types of changes

ANZ can make

Method of

notice

Minimum

number of

days’ notice of

the change

Change an interest

rate, or an index or

base rate forming part

of an interest rate

In writing

or by public

notice

Day of change,

or after day of

change if an

interest rate

is determined

by reference

to an external

reference rate

(for example

the bank bill

swap rate) and

the change is

to that rate

Change a margin

forming part of an

interest rate

In writing

or by public

notice

30 days, or

less if the

change is not

unfavourable

to you

Change how we

calculate interest

In writing 30 days

Change the frequency

with which interest is

debited or credited

In writing 30 days

Types of changes

ANZ can make

Method of

notice

Minimum

number of

days’ notice of

the change

Introduce a new fee

or charge (other than

a government fee or

charge)

In writing 30 days

Change an existing fee

or charge (other than

a government fee or

charge)

In writing

or by public

notice

30 days, or

less if the

change is not

unfavourable

to you

Change how we

calculate your fees

or charges, or the

frequency of, or

payment date for, your

fees or charges (other

than a government

fee or charge)

In writing

or by public

notice

30 days

Change the name of

an index or base rate,

or replace an index

or base rate with a

different index or base

rate

In writing

or by public

notice

30 days

Change our available

payment methods

In writing

or by public

notice

30 days

Change how we

calculate your

repayments, or the

amount of, frequency

of, or payment date

for, your repayments

to ensure that an

amount owing under

your Commercial Card

Contract is repaid

when due

In writing

or by public

notice

30 days

Types of changes

ANZ can make

Method of

notice

Minimum

number of

days’ notice of

the change

Introduce or change

a government fee or

charge

In writing

or by public

notice

Day of change

(unless

published by

a government,

government

agency or

representative

body)

The table below sets out changes that can be made for any

individual Principal.

Types of changes ANZ

can make

Method of

notice

Minimum

number of

days’ notice of

the change

Change how we

calculate your

repayments, or the

amount of, frequency

of, or payment date

for, your repayments

to ensure that an

amount owing under

your Commercial Card

Contract is repaid

when due

In writing 30 days

Changes that are

administrative or

correct a mistake,

inconsistency or

omission

In writing 30 days

(e) Changes to other terms

The table below sets out changes that can apply to all or a class

of customers for a product, or to a class of customers like you.

Types of changes

ANZ can make

Method of

notice

Minimum

number of days'

notice of the

change

Changes reflecting

our business,

communication or

technological systems

or processes

In writing

or by

public

notice

30 days, or less if:

• the change

is not

unfavourable

to you; or

• it is

reasonable for

us to manage

a material and

immediate

risk

Changes to comply

with any law or

any change in law,

or any decision,

recommendation,

regulatory guidance or

standard of any court,

tribunal, ombudsman

service, regulator, or

any other similar body

Changes that, in our

reasonable opinion,

are required to protect

any person from the

risk of fraudulent or

illegal activity

Changes to add,

change or remove

any of your

discounts, benefits or

concessions

Changes to simplify

the terms of your

Commercial Card

Contract

Types of changes

ANZ can make

Method of

notice

Minimum

number of days'

notice of the

change

Changes to reflect

product changes and/

or improvements or to

ensure that the terms

of your Commercial

Card Contract are

consistent with our

operational processes

In writing

or by

public

notice

30 days, or less if:

• the change

is not

unfavourable

to you; or

• it is

reasonable

for us to

manage a

material and

immediate

risk

Changes to

discontinue or replace

a product, and for

this purpose we may

change your product

to a different product

with similar features

to the discontinued or

replaced product

Changes that are

beneficial to you

Changes that reflect

current industry or

market practice or

conditions

(f ) If we notify you of a change to the terms of your

Commercial Card Contract which relates to a Travel

Account, you may terminate your Commercial Card

Contract or close all Travel Accounts in accordance with

clause 22 of these Travel Account Terms.

15. WHEN CAN ANZ ADJUST A TRAVEL

ACCOUNT?

We may adjust a debit or credit made to a Travel Account to

ensure that it accurately records our legal obligations and

yours under your Commercial Card Contract and the law. For

example we may make an adjustment because of:

• an error or processing problem;

• a payment reversal or dishonour;

• a resolution of a dispute; or

• you asking us to move amounts between your Transaction

Balances or pay a credit balance to you.

If we do this we may make consequential adjustments to

Transaction Balances, including to interest. The adjustments

may relate to prior statement periods.

16. AMOUNTS THAT MAY BE INCLUDED IN A

PURCHASE

Various amounts of commissions, fees and other charges may

be paid to or by ANZ when a Travel Account is used.

These include any amount which may be received by ANZ

from the TMC, a merchant or the TMC or a merchant’s bank for

ANZ paying debts incurred by the Principal.

17. EXCHANGE RATES USED FOR FOREIGN

CURRENCY TRANSACTIONS

(a) All amounts transacted in a currency other than

Australian dollars will be converted into Australian dollars

by Visa. Visa will determine the conversion process and

rate or rates used.

(b) In some cases, the TMC, merchant or other party involved

may set the exchange rate so that you can pay in

Australian dollars (in this case an overseas transaction fee

may still be charged).

currency is later refunded or reversed, the payment made

in Australian dollars to that Travel Account may differ

from the original Australian dollar amount.

18. KEEPING YOUR TRAVEL CARD DETAILS

SECURE

The security of your Travel Card details is very important.

You must:

• securely destroy Travel Card details when they expire. All

Travel Card details expire when the ‘until end’ or ‘valid to’

date contained in the Travel Card details has passed;

• not let anyone else use or have access to Travel Card details;

• take reasonable steps to protect Travel Card details from

loss, theft or misuse;

• if Travel Card details are lost or stolen, or there is any

unauthorised use, immediately make a report under clause

19; and

• comply with the security and other requirements set out in

the Electronic Banking Conditions of Use.

You are more likely to be liable for unauthorised Transactions if

these things are not done, see clause 20.

19. REPORTING UNAUTHORISED

TRANSACTIONS AND LOST OR STOLEN

TRAVEL CARD DETAILS

19.1 What to do if your Travel Card details are lost or stolen

(a) If you, an Authorised Signatory or an Authorised User are

aware or suspect that Travel Card details have been lost

or stolen, or that the Travel Card details have or may have

been used by someone else without authority, it should

be reported to us immediately.

(b) We will cancel the Travel Card details after the report is

made to us. We may also cancel any other Travel Card

details for the same Travel Account. Any cancelled Travel

Card details must not be used once the report has been

made and, if applicable, must be securely destroyed.

Cancellation may not become effective immediately.

on the circumstances, we may also open a new Travel

Account and transfer the relevant Travel Account Balance

to it. Your existing Commercial Card Contract will apply to

your new Travel Account and/or Travel Card details.

(d) Any standing authority set-up using the Travel Card

details that have been replaced should be cancelled

and set-up using the replacement Travel Card details.

See clause 7.4 for more information about standing

authorities and recurring transactions.

(e) Even if Travel Card details have been cancelled under

this clause, amounts may still be processed to a Travel

Account (including transactions that have not yet been

processed and transactions under a standing authority

(such as recurring transactions) that have not been

cancelled). You may be liable for those amounts, and any

related interest and fees.

(f ) If you want to dispute a Transaction which happened

when Travel Card details have been lost or stolen or

which you or an Authorised User didn’t authorise, you will

need to lodge a dispute under clause 20.

19.2 What to do if a password is lost

If you, an Authorised Signatory or an Authorised User are aware

or suspect that a password has been lost or has or may have

been used by someone else without authority, please refer to

the Electronic Banking Conditions for details on how to make

a report to us. You may also contact us on the numbers at the

front of this booklet.

20. DISPUTING TRANSACTIONS AND YOUR

LIABILITY

20.1 How to dispute a transaction

(a) A dispute can be lodged about a transaction. For

example a dispute may be lodged:

• because an Authorised User didn’t authorise the

transaction;

• the goods or services weren’t received; or

• you or an Authorised User think there has been an

error by us, a TMC, merchant or another party.

For more details about how to dispute a transaction

(including applicable time limits and the information you

will need to provide) you can call us.

(b) To the extent permitted by law, we are not responsible

for incorrect amounts debited or credited to a Travel

Account where we have relied on information from

other parties involved (for example Visa, or the person

accepting your card), except to the extent this arises from

ANZ’s negligence, wilful misconduct or fraud.

20.2 Disputing unauthorised Transactions

(a) If an Authorised User didn’t authorise a Transaction (for

example because the Travel Card details were lost or

stolen) then you may have additional rights. For example

you may be entitled to a reversal under any applicable

law, or under the scheme rules even if the merchant

or other party doesn’t accept responsibility, or we may

otherwise agree to reverse the amount.

(b) See the Electronic Banking Conditions of Use for more

information about liability for unauthorised transactions.

20.3 Resolving your dispute under the scheme rules

(a) Sometimes we may be able to help by referring a

dispute you or an Authorised User may have with a TMC,

merchant or other party who accepted the Travel Card

details under the applicable scheme rules. This depends

on the type of dispute and the circumstances.

(b) If the dispute is successful the transaction may be

reversed(sometimes called a chargeback), and we will

credit any refund to the relevant account.

soon as possible, as there are time limits which may apply

under the scheme rules.

(d) ANZ does not control any time limits imposed under the

scheme rules. We are not responsible if you don’t meet

the deadlines or provide sufficient information, including

any extra information we reasonably ask for. If you

unreasonably delay providing the required information

we request, we can treat the dispute as withdrawn.

(e) In some cases the TMC, merchant or other party

may not be obliged to reverse the Transaction under

the applicable scheme rules, for example if it was

authenticated using Visa Secure (formerly known as

Verified by Visa). If so, we may accept the merchant’s

refusal to make the reversal.

20.4 Other important information about disputes

(a) We do not accept any liability for goods or services

purchased using Travel Card details, and any complaints

about them must be resolved directly with the TMC,

merchant or other party concerned.

(b) A dispute cannot be lodged with us:

• if an Authorised User has made a Transaction that was

outside their authority; or

• where a limit or restriction imposed by you on a Travel

Account has not been effective (unless it has not

been effective due to the negligence, fraud or wilful

misconduct of ANZ. In that case, a dispute can be

lodged with us). For more details on when a limit or

restriction may not be effective see clause 4.5.

For these types of ‘unauthorised’ transactions please refer

to Part B of this booklet.

adjustments (for example when we calculate interest) to

a Travel Account.

21. WHAT ARE ANZ'S COMPLAINT

PROCEDURES?

(a) To make a complaint or provide feedback, or if you think

we have made an error, you can talk to staff at your local

ANZ Branch or Business Centre or call ANZ Cards. We will

do our best to help resolve any issue you may have.

(b) If you are not satisfied with our response, or do not want

to talk to the customer service team, you can contact our

Complaint Resolution Centre. Our specialists will work

with you to resolve your complaint quickly and amicably.

eligible to lodge a complaint with the Australian Financial

Complaints Authority (AFCA). AFCA offers free, fair,

independent and accessible financial services dispute

resolution.

(d) You can find contact details at the front of this booklet.

(e) Time limits may apply to complaints to AFCA. Please act

promptly and consult the AFCA website to find out if or

when the time limit relevant to your circumstance expires.

(f ) The Electronic Banking Conditions of Use contain further

information on what to do in circumstances when

you believe that there has been an error involving an

electronic access process.

22. CANCELLATION AND TERMINATION

22.1 Our rights to cancel or suspend card details, block or

close an account and terminate your contract

(a) In addition to our Default Rights, our rights under clause

7.6 and our rights under clause 15 of the Electronic

Banking Conditions of Use, we may cancel or suspend

Travel Card details or block or close a Travel Account, if:

(i) we suspect on reasonable grounds that there has

been, or we reasonably believe it is necessary to

prevent, fraudulent or unauthorised use of a Travel

Account or any Travel Card details;

(ii) we reasonably believe that use of a Travel Account or

any Travel Card details may cause us loss, or that the

cancellation, suspension, closure or block is necessary

to protect our legitimate interests;

(iii) we reasonably believe that the use of a Travel Account

or Travel Card details may cause you hardship or loss;

(iv) we become aware that you do not meet, or cease

to meet, our eligibility requirements for the Travel

Account product;

(v) a Travel Account has not been used (meaning no

Transactions or payments have been posted to the

account) for 12 months or more;

(vi) the terms of your Letter of Offer (or any other offer

documentation such as a limit letter) give us the right

to do so; or

(vii) we decide not to reissue Travel Card details under

clause 2.2.

(b) Unless required by law, we may not give notice prior to

cancelling or suspending Travel Card details or blocking or

closing a Travel Account under paragraph (a). If we don’t

give notice before we cancel Travel Card details under

paragraph (a), then we will take reasonable steps to tell the

account holder as soon as practicable afterwards.

block or close a Travel Account, without giving a reason, if

we give you at least three months’ notice.

(d) If all Travel Cards for a Travel Account are cancelled then

we may close that account.

(e) If all cards subject to the terms of your Commercial Card

Contract are cancelled then we may close all Accounts

and terminate your Commercial Card Contract.

(f ) We may also close a Travel Account if:

• we discontinue or replace a product that has been

provided to you and which is subject to these Travel

Account Terms and there is no alternative product

with similar features to the discontinued or replaced

product that we can offer you; and

• we give you at least three months’ notice.

(g) If a Travel Account is closed under this clause or your

Commercial Card Contract is terminated, the Travel

Account Balance for the applicable Travel Account(s) will

become payable to ANZ on a date we tell you. We will

give you a reasonable period of time to repay the Travel

Account Balance, although we may require you to pay

the amount immediately if we reasonably consider this is

necessary to manage a material and immediate risk.

22.2 Your rights to cancel a card, close an account and

terminate your contract

(a) You or an Authorised Signatory can ask us to cancel any

Travel Card details, close any Travel Account or terminate

your Commercial Card Contract.

(b) When we process your request to close a Travel Account

we will also cancel all Travel Card details for that account.

Commercial Card Contract we will close all Accounts and

cancel all cards subject to the terms of your Commercial

Card Contract.

(d) Before we close a Travel Account, you will need to pay the

Travel Account Balance.

(e) We will only complete the closure of a Travel Account

and/or terminate your Commercial Card Contract

when we are satisfied, acting reasonably, that all

outstanding amounts have been paid in full and no

further transactions (including, for example, any recurring

transactions or other regular payment arrangements) will

be debited to the account (or to any Account in the case

of termination of your contract).

(f ) Until then, you will still have to pay any amounts required

under the Commercial Card Contract. See clause 22.4.

22.3 What happens after closure or cancellation

(a) If Travel Card details are cancelled under clause 22.1 or

clause 22.2 (as applicable) then the applicable Authorised

Users must not use the cancelled card details and must

securely destroy all card details.

(b) If a Travel Account is blocked or closed under clause 22.1

or clause 22.2 (as applicable) then all Authorised Users for

that account must not use the Travel Card details and you

must not use the account (other than to pay amounts

under clause 22.4). If the account is closed, the Travel Card

details for that account must also be securely destroyed.

clause 22.1 or clause 22.2 (as applicable) and you have a

positive Travel Account Balance when we cancel the card

details, then we will pay you the Travel Account Balance

(unless those funds have been remitted as unclaimed

money in accordance with the law or have been applied

by us in accordance with clause 31.4). In order to pay

the balance to you, we may need you to provide us with

payment details.

22.4 Amounts that can still be payable after closure or

cancellation

(a) Even if any Travel Card details for an account have been

cancelled or a Travel Account has been blocked or closed,

in each case under clause 22.1 or clause 22.2, debits may

still be processed to that account. For example, this can

happen if:

• a Transaction has been made but is not processed

until after cancellation; or

• a Transaction is made where authorisation is

not needed, such as a recurring transaction or a

Transaction where systems are off-line.

This may happen even if you paid the Travel Account

Balance to zero. If it happens, you will have to repay those

Transaction amounts, together with any related interest

and fees.

(b) Standing authorities and other regular payment

arrangements may not automatically be cancelled and

you or an Authorised User should cancel them directly

with the TMC, merchant or other party (see clause 7.4).

under the Commercial Card Contract, including fees and

interest. This can include annual or other periodic fees,

which may continue to apply in accordance with your

Commercial Card Contract if you have an outstanding

Commercial Card Account Balance at a relevant time.

22.5 Suspension of Travel Card details

(a) This clause applies if we have suspended use of Travel

Card details under clause 22.1.

(b) If we have suspended Travel Card details because you

haven’t paid an amount due then you may be able to

start using it again once you have made those payments

(unless we have cancelled the card details). In other

circumstances, if appropriate, we will tell you what you

need to do for your Travel Card details to be reinstated.

may still be processed to a Travel Account. This can

include transactions under a standing authority (though

some transactions under a standing authority may not be

processed after suspension, for example if they require

authorisation which we decline). If debits are processed

to a Travel Account, you will have to repay those

amounts, together with any interest, fees and charges

relating to them.

(d) You must also continue to pay all other amounts required

under the Commercial Card Contract.

(e) If we suspend Travel Card details, then in our discretion we

can decide to reinstate them, or we may cancel the card

details in accordance with our rights under clause 22.1.

23. DEFAULT

23.1 What is an event of default?

Each of the following is an event of default.

(a) The Principal fails to pay an amount due under the

Commercial Card Contract within two ANZ Business Days’

of its due date.

(b) ANZ believes on reasonable grounds that an Authorised

User, Authorised Signatory and/or the Principal has been

engaging in fraudulent or illegal activity.

receivership or commits an act of bankruptcy.

(d) A representation or statement made or any information

given to us, by you, in connection with your Commercial

Card Contract, is materially incorrect or misleading when

made or given.

(e) There is a change in the Principal’s legal status, in the

capacity in which it enters into any arrangement with

ANZ or in its composition (such as a change in the

partners making up a partnership). And, in each case,

ANZ has not given its prior written consent.

(f ) A person repossesses or seizes all or a material part of the

property of the Principal, or obtains a judgment against

the Principal allowing them to repossess or seize such

property.

(g) The Principal or any other person deals with any asset

in breach of the Commercial Card Contract, unless ANZ

provides its prior consent to the proposed dealing.

Examples of “deals with” are sale of an asset, leasing it,

mortgaging it or lodging a caveat against it.

(h) A material change in the direct or indirect ownership or

control of a Principal occurs and ANZ has not given its

prior written consent (which ANZ will not unreasonably

withhold).

(i) The Principal loses a licence or permit that it needs to

conduct or operate its business.

(j) The Principal fails to provide any financial information

by the date ANZ asked for it, or fails to maintain any

insurance that is required under the Commercial Card

Contract.

(k) Travel Card details or a Travel Account is used for an

unlawful purpose.

(l) Anything else that you agree with us is an event of

default.

23.2 What happens following an event of default?

(a) If an event of default occurs under clause 23.1(a) and the

additional requirement in this clause 23.2(a) has been

met, we may exercise our Default Rights.

The additional requirement is that either:

• if we demand that you pay all or part of a Travel

Account Balance then the payment date we tell you

will be at least 30 days after we give you the demand;

• we will not exercise our Default Rights under clause

23.3(d) or (e) unless we first give you 30 days’ notice.

In each case we can give you a shorter notice period,

or no notice at all, if it is reasonable for us to do this to

manage a material and immediate risk relating to the

nature of the default, your circumstances or the value

of any security that secures an obligation under the

Commercial Card Contract.

If you fix the failure to pay during the period set out in

our demand or notice, and no other failure to pay has

arisen, then we will not enforce the terms of our demand

or we will not exercise our Default Rights after you fix it.

(b) If an event of default occurs under clause 23.1(b) to (k)

and any additional requirements in this clause 23.2(b)

have been met, we may exercise our Default Rights.

The additional requirements are:

Materiality Assessment: we may only exercise our

Default Rights if the event of default is by its nature

material, or we reasonably consider the event has had, or

is likely to have, a material impact on:

• the Principal’s ability to meet their financial obligations

to us (or our ability to assess this);

• our security risk (or our ability to assess this); or

• our legal or reputational risk where an event of default

under clause 23.1(b), (d) or (k) has occurred.

Remedy Period: if the event of default can be fixed, we

will give you a notice setting out the default and how

long you have to fix it. We will usually give you 30 days

to fix it, however we can give you a shorter period if it

is reasonable for us to do this to manage a material and

immediate risk relating to the nature of the default, your

circumstances or the value of any security that secures an

obligation under the Commercial Card Contract.

If you fix the default during the period set out in our

notice, and no other default of the same type has arisen,

then we will not exercise our Default Rights.

is an event of default, we may exercise our Default

Rights but only if we have given you an opportunity to

fix the default in accordance with the Remedy Period

requirement set out above. If you fix the default during

the period set out in our notice, and no other default of

the same type has arisen, then we will not exercise our

Default Rights.

23.3 What are ANZ’s Default Rights?

When your Commercial Card Contract says we may exercise

our Default Rights, then we can do any one or more of the

following things, called Default Rights.

(a) Demand that you pay all or part of a Travel Account

Balance. If we do this, our demand will tell you the date

by which you must pay. You will be given a reasonable

period of time in which to pay although we may require

you to pay the amount immediately if we reasonably

consider this is necessary to manage a material and

immediate risk.

(b) Change any term of your Commercial Card Contract,

cancel or suspend any Travel Card details or terminate

your Commercial Card Contract.

(d) Take action under any security that secures an obligation

under the Commercial Card Contract. For example, we

may take possession of any secured property or sell it or

appoint a receiver to do so.

(e) Sue you for all or part of a Travel Account Balance.

(f ) Do anything else that we have agreed with you or that is

allowed under the law.

In some cases the exercise of our Default Rights may be

restricted by law. In addition, when we exercise our Default

Rights, a law or industry code (such as the Banking Code of

Practice) may require a minimum notice period or a particular

delivery method to be given. If they do, then we will use the

method and give you at least the notice they require.

Any amount reasonably incurred or expended by ANZ in

exercising its Default Rights (including expenses reasonably

incurred by ANZ staff and facilities) are enforcement expenses

and become part of a Travel Account Balance. ANZ may debit

a Travel Account for such amounts pursuant to an agreement

with you or following a demand or provision of a default notice

in relation to those enforcement expenses. We can also charge

interest on the amount under clause 13.

24. COMMUNICATION WITH AUTHORISED

USERS AND TMCS

(a) ANZ may communicate with Authorised Users, in respect

of any loss, theft or possible unauthorised use of Travel

Card details or any cancellation of Travel Card details or

closure of a Travel Account by ANZ.

(b) ANZ may also communicate with a TMC.

Communications may relate to Enhanced Data, any loss,

theft or possible unauthorised use of Travel Card details

or any cancellation of the Commercial Card Contract by

ANZ.

25. JOINT AND SEVERAL LIABILITY

Where the Principal constitutes more than one party, the

liability of each such party under the Commercial Card

Contract shall be joint and several.

26. PRIVACY AND CONFIDENTIALITY

ANZ will collect and use information about you during the

course of your relationship with ANZ. We explain below when

and how ANZ may collect, use and disclose this information.

It is important that the information ANZ holds about you is up

to date. You must let ANZ know when information you have

provided ANZ has changed.

This clause applies to individuals and non-individuals (e.g.

companies) and ‘you’ includes Individual Cardholders.

26.1 Collection, use and disclosure of information

ANZ may use and disclose the information we collect about

you for the following purposes:

• to assist in providing information about a product or

service;

• to consider your request for a product or service;

• to enable ANZ to provide a product or service;

• to tell you about other products or services that may be of

interest to you;

• to assist in arrangements with other organisations (such as

loyalty partners) in relation to the promotion or provision of

a product or service;

• to manage accounts and perform other administrative and

operational tasks (including risk management, systems

development and testing, credit scoring, staﬀ training,

collecting debts and market or customer satisfaction

research);

• to consider any concerns or complaints you raise against

ANZ and/or to manage any legal action involving ANZ;

• to identify, prevent or investigate any fraud, unlawful

activity or misconduct (or suspected fraud, unlawful activity

or misconduct);

• to identify you or establish your tax status under any

Australian or foreign legislation, regulation or treaty or

pursuant to an agreement with any tax authority; and

• as required by relevant laws, regulations, codes of practice

and external payment systems.

26.2 Absence of relevant information

If you do not provide some or all of the information requested,

ANZ may be unable to provide you with a product or service.

26.3 Information required by law etc.

ANZ may be required by relevant laws to collect certain

information from you. Details of laws that require us to collect

information about individuals (personal information) and

why these laws require us to collect personal information are

contained in ANZ’s Privacy Policy and at anz.com/privacy

26.4 Providing your information to others

ANZ may provide your information to:

• any related entity of ANZ which may use the information

to: carry out ANZ’s functions and activities; promote its own

products and services; assess your application for one of

its products or services; manage your product or service;

perform administrative and operational tasks (including

debt recovery); or comply with regulatory requirements and

prudential standards;

• an organisation that is in an arrangement with ANZ to

jointly oﬀer products and/or has an alliance with ANZ to

share information for marketing purposes (and any of its

outsourced service providers or agents), to enable them

or ANZ to: provide you with products or services; and/or

promote a product or service;

• any agent, contractor or service provider ANZ engages to

carry out or assist its functions and activities (for example,

mailing houses or debt collection agencies);

• an organisation that assists ANZ to identify, prevent or

investigate fraud, unlawful activity or misconduct;

• regulatory bodies, government agencies, law enforcement

bodies and courts;

• other parties ANZ is authorised or required by law or court/

tribunal order to disclose information to;

• participants in the payments system (including payment

organisations and merchants) and other ﬁnancial

institutions (such as banks);

• other credit providers;

• mortgage insurers and any reinsurer of any such mortgage

insurer;

• your guarantors (and intending guarantors) and any person

who has provided security for your loan;

• any person who introduces you to ANZ;

• your referee(s);

• your employer;

• your joint borrower(s) or account holder(s); and

• your authorised agents; your executor, administrator or

trustee in bankruptcy; your legal representative; your

attorney; or anyone acting for you in connection with your

account.

If you are an individual Principal, director of a Principal or an

Individual Cardholder and do not want us to tell you about

products or services, call us or your ANZ Manager to withdraw

your consent.

ANZ may disclose information to recipients (including service

providers and ANZ’s related entities) which are (1) located

outside Australia and/or (2) not established in or do not carry

on business in Australia. You can find details about the location

of these recipients in ANZ’s Privacy Policy and at anz.com/privacy

26.5 Credit Reporting

If you are an individual Principal or a director of a Principal,

you agree that ANZ may obtain information about your credit

history and credit worthiness, including credit liabilities,

repayments and defaults, from a credit reporting body

(including a body that provides information on commercial

activity and commercial credit worthiness) and use it to assess

any application for credit, to manage your credit and for the

purposes of debt collection. ANZ may also disclose information

about you to credit reporting bodies.

Information about credit reporting, including the name and

contact details of these credit reporting bodies, when ANZ

may disclose your personal information to them to include in a

report about your credit worthiness, and how you can request

credit reporting bodies not use your information in certain

circumstances, is available at anz.com/privacy

If you would like a hard copy of this information, please call us

or visit any ANZ branch for a copy of ANZ’s Privacy Policy.

26.6 ANZ Privacy Policy

ANZ’s Privacy Policy (anz.com/privacy) contains information

about:

• the circumstances in which ANZ may collect personal

information from other sources (including from a third

party);

• how to access personal information and seek correction of

personal information; and

• how you can raise concerns that ANZ has breached the

Privacy Act or an applicable code and how ANZ will deal

with those matters.

26.7 Collecting sensitive information

ANZ will not collect sensitive information about you, such as

information about your health, without your consent.

26.8 Personal information you provide about someone

else

If you give ANZ personal information about someone else,

please show them a copy of this clause so that they may

understand the manner in which their personal information

may be used or disclosed by ANZ in connection with your

dealings with ANZ.

27. BANKING CODE OF PRACTICE

If you are an individual or small business (as defined in the

Banking Code of Practice) ANZ is bound by the Banking Code

of Practice when it provides its products and services to you.

The Banking Code of Practice means the relevant version of the

industry code published by the Australian Banking Association

as it applies to ANZ.

28. FINANCIAL DIFFICULTY

You should inform us as soon as possible if you are in financial

difficulty. We will, with your agreement, try and help you

overcome any financial difficulties, including for example,

developing a repayment plan.

29. INACTIVE ACCOUNTS

If a Travel Account is an inactive account (meaning no

Transactions or payments have been posted to the account for

12 months or more) and it has a credit balance, ANZ may, if it

does not close the account in accordance with clause 22, hold

the credit balance for the Principal in a separate account until

such time as the Principal claims those funds or ANZ is required

to remit those funds as unclaimed money in accordance with

the law, whichever occurs first.

30. GOVERNING LAWS

These Travel Account Terms are governed by the laws of the

State of Victoria and the Commonwealth of Australia.

31. GENERAL MATTERS

31.1 ANZ Business Days

If the Commercial Card Contract requires or allows us to do

something or provides that any of our processes occur on

a day that is not an ANZ Business Day, we may do it or the

process may occur on either the preceding or the following

ANZ Business Day.

31.2 Current rates, fees and charges

Interest rates and fees and other charges may be varied under

clause 14. Information on current standard fees and charges

and any interest rates is available on request.

31.3 Certificate of outstanding amount

If we give you a written notice of how much you owe us that

notice can be used as evidence of the amount owing, unless

you dispute the correctness of the notice including in any

court or tribunal proceeding.

The notice may not include Transactions, interest, fees or

charges, refunds or payments that have not been processed by

us at the time the notice is prepared.

You must check the details in any written notice provided

under this section and, if you believe there are any errors or

you have any other concerns, you must contact ANZ as soon

as possible.

31.4 ANZ’s right to set off or combine accounts

Subject to the Banking Code of Practice, where we reasonably

consider that it is in our legitimate interests to do so, we can

combine the total balance in two or more of your accounts

held with us, or set off an amount in one account against an

amount in another, even if the accounts are not both credit

card accounts or if they are held at different branches. This

means, for example, that the credit in one account can be

used to repay all or part of the outstanding balance in another

account. We do not need to give notice to you before we do

this, but will promptly tell you once it has been completed. You

should not treat your accounts as combined unless we have

agreed to do so.

31.5 Force majeure

To the extent permitted by any applicable law or industry

code, ANZ will not be liable to the Principal or any Authorised

User for any loss or damage (whether direct or consequential),

nor be in default under the Commercial Card Contract, for

failure to observe or perform any of its obligations under the

Commercial Card Contract for any reason or cause which could

not, with reasonable diligence, be controlled or prevented by

ANZ.

This may include, for example, acts of God, acts of nature,

‘epidemics or pandemics’, acts of government or their agencies,

strikes or other industrial action, fire, flood, storm, riots,

terrorism, power shortages or failures, sudden and unexpected

system failure or disruption by war or sabotage.

31.6 Transfer of ANZ’s right

Subject to applicable law and the Banking Code of Practice,

ANZ may, without telling you or obtaining your consent:

• assign or transfer any of its rights under your contract to

give eﬀect to:

- a sale of debt (eg to a third party purchaser or debt

collectors);

- a sale of business, assets or portfolio;

- business restructuring; or

- securitisation or other ﬁnance structure; and

• give information about your contract and your obligations

under it to any assignee of ANZ’s rights under your contract,

or anyone who is considering becoming an assignee.

31.7 Inconsistency of terms within your Commercial Card

Contract

If there is an inconsistency between your Letter of Offer and

another document forming part of your Commercial Card

Contract, then the Letter of Offer will prevail.

32. TRANSACTION QUERY MANAGEMENT

32.1 Transaction Query must be directed to TMC

Any Transaction Query should be directed to the relevant TMC.

32.2 Referral of Transaction Query to ANZ

Subject to clause 32.3 below, if, within 7 days of receiving the

Transaction Query, the TMC is unable to answer the Transaction

Query or has not responded then you should contact us

immediately.

32.3 When a Transaction Query may not be referred to ANZ

A Transaction Query may only be referred to ANZ within 60

days after the date on which the statement containing the

relevant transaction was issued, unless the Transaction Query is

directly related to ANZ services.

PART AA

ENHANCED DATA TERMS

1. DEFINITIONS

Words defined in the Travel Account Terms will have the same

meaning in this Part unless the context requires otherwise and:

‘Data Feed’ means an electronic file produced by ANZ

containing Enhanced Data; and

‘Enhanced Data’ means detailed line item information in

relation to a transaction. Detailed line item information for a

transaction can include invoice number, transaction reference

number, transaction date, supplier name, merchant category

code amount, GST amount, booking reference, credit card

name, credit card number, passenger name, quantity and item

description.

2. RELIANCE ON THIRD PARTIES

You acknowledge that, in order to be able to provide

Enhanced Data in an accurate format and in a timely manner,

ANZ relies on third parties including you, Authorised Users

and TMCs and that Enhanced Data may, from time to time, be

inaccurate or unavailable due to circumstances beyond the

control of ANZ. ANZ will not be responsible for any claims,

losses, damages, liabilities, costs or expenses incurred by

you arising from provision of inaccurate Enhanced Data or

non-provision or delay in provision of Enhanced Data by a

third party and you are still liable for payment of the “Closing

Balance” shown on a statement where that statement contains

inaccurate or incomplete Enhanced Data.

3. SUPPLY OF REQUIRED INFORMATION

TO TMC

It is your responsibility to ensure that all information required

by the TMC or ANZ is supplied to the TMC when using any

Travel Card details and that such information is complete

and accurate.

4. ANZ TRAVEL ACCOUNT OUTPUT

ENHANCED FILE

ANZ will issue a tax invoice in the form of a Data Feed 7

business days after the issue of a statement.

5. CHARGES FOR HOTEL

ACCOMMODATION

In the event that you permit purchases in connection with

accommodation to be billed to a Travel Account, you will be

liable for all charges or amounts billed in connection with that

accommodation to the Travel Account whether or not such

charges or amounts were previously authorised by you. For

the avoidance of doubt, you may not avoid liability under this

clause on the basis that you authorised “room only” charges to

be processed to the account.

PART B

ANZ TRAVEL ACCOUNT –

UNAUTHORISED TRANSACTION

INSURANCE

IMPORTANT INFORMATION ABOUT THE

COMPLIMENTARY COVER AVAILABLE

This Part describes the complimentary insurance benefits

provided by Allianz, which are available to ANZ Travel

Account Facility accountholders and other eligible

beneficiaries. Cover applies to events occurring on or after

8 November 2023. You are not covered for events occurring

after termination of or the expiry of the period of the Group

Policy. ANZ will provide accountholders with details of any

replacement cover.

ALLIANZ - THE INSURER

This cover is available under a Group Policy issued to Australia

and New Zealand Banking Group Limited, ABN 11 005 357

522, AFSL and Australian credit licence No 234527 (ANZ) of

Level 9, 833 Collins Street, Docklands, Melbourne VIC 3008

(“ANZ”) by AWP Australia Pty Ltd ABN 52 097 227 177, AFSL

245631 trading as Allianz Global Assistance of Level 16, 310

Ann Street, Brisbane, QLD 4000 (“Allianz Global Assistance”)

under a binder from the insurer, Allianz Australia Insurance

Limited ABN 15 000 122 850, AFSL 234708, Level 16, 10

Carrington Street, Sydney, NSW 2000 (Allianz). Allianz Global

Assistance issues and manages the Group Policy on behalf of

Allianz. For general enquiries call Allianz Global Assistance.

The covers described in this Part are available for your benefit

under a Group Policy entered into between Allianz Global

Assistance (on behalf of Allianz) and ANZ. ANZ is the policy

owner. When eligible, you have the benefit of cover as a third

party beneficiary by reason of the statutory operation of

Section 48 of the Insurance Contracts Act 1984 (Cth).

There is no obligation to accept any of these benefits.

However, if you wish to claim any of these benefits, you will

be bound by the definitions, terms, conditions, exclusions,

limits, applicable sub-limits and claims procedures contained

in this booklet.

Please read this booklet carefully and keep it in a safe place.

Also please keep detailed particulars and proof of any loss

including ANZ card account statements showing any purchases.

ANZ IS NOT THE ISSUER (INSURER) OF

THESE COVERS

ANZ is not the issuer of these covers and neither it nor any of

its related corporations guarantee or are liable to pay any of

the benefits under these covers.

These benefits are available to the beneficiaries upon

meeting the eligibility requirements under these covers.

Neither ANZ nor any of its related corporations are Authorised

Representatives of Allianz, Allianz Global Assistance or any

of their related companies and ANZ does not receive any

commission or remuneration in relation to the insurance set

out in this booklet.

TERMINATION OR VARIATION OF COVER

ANZ or Allianz may terminate or agree to vary the terms,

conditions and cover available to accountholders under the

Group Policy as set out in this booklet. If this occurs, ANZ will

give the accountholder at least 30 days’ written notice before

the termination or change takes effect. ANZ may give less

notice, or publish the notice on ANZ’s website if:

• there is a minor change with no eﬀect to the

accountholders’ cover or the eligibility criteria (e.g. a change

of contact details);

• the variation is favourable to the accountholder (in which

case ANZ will take reasonable steps to provide written

notice as soon as reasonably possible); or

• ANZ and Allianz is reasonably required to act quickly to

change the terms of the Group Policy to manage material

and immediate risks arising from:

(a) a potential or actual breach of any law; or

(b) a proposed change in, or interpretation of, a law or any

decision, recommendation, regulatory guidance or

standard of any court, tribunal, ombudsman service,

regulatory or other similar body.

A risk will be considered material and immediate if to protect

ANZ’s and/or Allianz’ legitimate business interests, ANZ and/

or Allianz are required to act quickly to change the terms,

conditions and/or cover, or terminate the cover, as set out in

this booklet.

Where there is a termination or change to the terms,

conditions and/or cover as set out in this booklet, the existing

terms, conditions and/or cover will only apply to events

occurring before the date of the change or termination.

Where the Group Policy is terminated, no cover is available

for events occurring after the date of termination. ANZ will

provide accountholders with details of any replacement

cover and its relevant effective date.

OTHER INSURANCE

If you are entitled to receive a benefit or make a claim

under another insurance policy (Other Policy) (for example,

a comprehensive travel insurance policy for your overseas

journey), in respect of the same loss as your claim under the

Group Policy, then, subject to the provisions of the Insurance

Contracts Act 1984 (Cth) Allianz is not liable to provide

indemnity under the Group Policy until the amount of any

indemnity under that Other Policy is exhausted. In other

words, any cover available under the Group Policy in respect

of the same loss shall only be excess insurance cover over

and above the applicable Other Policy.

If you make a claim under another insurance policy and you

are not paid the full amount of the claim, then, subject to the

provisions of the Insurance Contracts Act 1984 (Cth), the cover

available to you under the Group Policy will make up the

difference, to the extent of cover that applies, in accordance

with the terms and conditions contained in this booklet.

We may seek contribution from your other insurer. You must

give us any information that we reasonably require to help us

make a claim from the other insurer.

LIMITATION OF COVER

Notwithstanding any other terms, we shall not be deemed

to provide coverage and we will not make any payments nor

provide any service or benefit to any person or other party

to the extent that such cover, payment, service, benefit and/

or any business or activity of the person would violate any

applicable trade or economic sanctions, law, or regulation.

CHANGES TO THIS BOOKLET

The information in this booklet is subject to change from

time to time and is correct and current as at the date on the

cover. The Termination or Variation of Cover clause sets out

the notice we will provide to you when changes are made

to the terms and conditions related to the insurance cover

available to you or where the policy is terminated. A new policy

booklet reflecting the changes will be available on anz.com

ALLIANZ GLOBAL ASSISTANCE PRIVACY

NOTICE

To offer or provide you with our insurance services, we,

namely AWP Australia Pty Ltd ABN 52 097 227 177 trading as

‘Allianz Global Assistance’ and as agent for the insurer Allianz,

collects, stores, uses, and discloses your personal information

including sensitive information. The insurance cover arises

from a Group Policy taken out between your bank (ANZ)

and Allianz and under which you are entitled to cover as a

beneficiary when you meet the eligibility criteria set out in

the Group Policy wording.

We usually collect your personal information directly from

you, but sometimes from others depending upon the

circumstances.

For example, when you make a claim for cover, we may

collect your personal information from you, the Group Policy

holder to check you have met eligibility requirements, your

family members and travel companions, as well as from third

parties that provide services including doctors, hospitals,

airlines, travel and accommodation providers, your agents

and representatives, our agents, and other service providers.

We are responsible for ensuring your personal information is

used and protected in accordance with applicable laws and

regulations, including the Privacy Act 1988. We collect your

personal information to enable us to properly assess and

manage your insurance claim, and to provide the services we

have agreed to provide under the Group Policy. For example,

we collect your name, address, date of birth, email address,

and sometimes your medical information, bank account

details, as well as other information we collect through

devices like ‘cookies’ when you visit our website such as your

IP address and online preferences.

We use your personal information to offer and provide our

services and to manage your and our rights and obligations

in connection with your claim. For instance, we use it to

check, process, and finalise your insurance claim. We may

also use it for product development, customer data analytics,

research, IT systems maintenance and development, recovery

against third parties, for the detection and investigation of

fraud, and for other purposes with your consent or where

permitted by law.

We do not use your personal or sensitive information for

marketing purposes or provide that information to any third

parties for marketing.

Your personal information may be disclosed to third parties

(some of whom are data processors) who assist us to carry

out the above activities both inside and outside of Australia,

such as claims management providers, travel agents and

intermediaries, insurers, investigators, cost containment

providers, medical and health service providers, overseas

data storage (including ‘cloud’ storage) and data handling

providers, legal and other professional advisers, your agents,

your travel group leader if you travel in a group, your bank

(ANZ) if you are the beneficiary of the bank’s credit card

insurances, insurance reference bureaux, and our related

and group companies including Allianz. Some of these third

parties may be located in other countries including in Europe,

Asia, Canada, or the USA.

When you provide personal information to us about other

individuals, we rely on you to have first obtained the

individual’s consent, and to have made them aware of the

matters set out in this Privacy Notice.

You may also seek access to your personal data and ask us to

correct and update it. We will delete your personal data when

we no longer need it for a legitimate purpose.

You may not access or correct personal information of others

unless you have been authorised by their express consent, or

unless they are your dependants under 16 years of age.

If you have a request or complaint concerning your personal

information or about data privacy, please contact: The Privacy

Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD

4066, or email DataPrivacyAU@allianz-assistance.com.au.

You can also contact the Privacy Commissioner at the Office

of The Australian Information Commissioner, GPO Box 5218,

Sydney, NSW 2001 if you have a complaint.

For more information about our corporate privacy policy and

handling of personal information, including further details

about access, correction and complaints, please visit our

website at www.allianz-assistance.com.au and click on the

‘Privacy & Security’ link in the footer.

If you do not agree with the matters set out in our privacy

policy or will not provide us with the personal information we

request, we may not be able to provide you with our services

including the assessment and payment of any claims. In cases

where we cannot comply with your request concerning your

personal information, we will give you reasons why.

CONTACT ALLIANZ GLOBAL ASSISTANCE

Online

Access claim forms 24 hours a day, 7 days a week

at: insurance.agaassistance.com.au/anzau/page/

otherInsurances/claimOther

Phone

1300 135 271 (within Australia)

Enquiries

Monday to Friday 8am to 7pm AEST Saturday 8am to 5pm AEST

Claims

Monday to Friday 8am to 5pm AEST

ANZTravelTeam@allianz-assistance.com.au

DEFINITIONS

There are some words in this part that have a special

meaning. When the following words and phrases appear in

this part they have the meanings given below. The use of the

singular shall also include the use of the plural and vice versa.

accountholder means an ANZ customer, being an individual,

business entity or company, who has entered into an ANZ

Travel Account Facility, with ANZ and in whose name the ANZ

Travel Account Facility was opened. The accountholder is the

individual, business entity or company that has contractual

obligations with ANZ under the ANZ Travel Account Facility.

Allianz means Allianz Australia Insurance Limited ABN 15 000

122 850, AFSL 234708.

Allianz Global Assistance means AWP Australia Pty Ltd ABN

52 097 227 177, AFSL 245631.

ANZ means Australia and New Zealand Banking Group

Limited, ABN 11 005 357 522, AFSL and Australian credit

licence No 234527.

ANZ Travel Account Facility means:

• A current and valid ANZ Travel Account Facility provided

by ANZ to which purchases made by authorised users are

charged; or

• the primary account linked to an ANZ Travel Account

Facility to which a transaction is routed by any electronic

funds transfer facility.

authorised user means an Australian or New Zealand

resident (including holders of a visa issued under the

Migration Act 1958 (Cth) which entitles the holder of the visa

to residency) who has been granted access by ANZ to the

accountholder’s ANZ Travel Account Facility at the request of

the accountholder.

excess means the deduction we will make from the amount

otherwise payable for each claimable incident or event.

Group Policy means an insurance policy on the terms and

conditions set out in this booklet, issued by Allianz Global

Assistance on behalf of the Insurer Allianz to ANZ, under

which the Insurer does, by operation of section 48 of the

Insurance Contracts Act, provide insurance cover benefits

for accountholders of an ANZ issued credit card as third

party beneficiaries (as that term is defined in the Insurance

Contracts Act).

reasonable means having regard to the circumstances.

unauthorised transaction means an ANZ Travel Account

Facility transaction which has been made by an authorised

user but was not authorised in any way by the accountholder

and/or was outside the authorised user’s authority to

transact.

we, our and us means Allianz Australia Insurance Limited,

ABN 15 000 122 850, AFSL 234708 and its agent AWP Australia

Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz

Global Assistance.

you, your, yourself means accountholder, if they are eligible

for the cover available.

SECTION A - ELIGIBILITY FOR

COVER

Who is eligible?

Accountholders of an ANZ Travel Account Facility are eligible

for the benefit of Unauthorised Transaction Insurance.

SECTION B - PERIOD OF COVER

Unauthorised Transaction Insurance is available for the

duration of the period that the accountholder’s ANZ Travel

Account Facility is current and valid.

SECTION C - BENEFIT LIMITS

The table below sets out the maximum limits of what we

will pay under each section of Unauthorised Transaction

Insurance. All limits and sub-limits in the table are shown in

Australian dollars.

The cover available is outlined in Section E and is subject

to the applicable terms, conditions, limits, sub-limits and

exclusions.

Limit

Up to a maximum total limit of $37,500 per authorised user

in any 12 consecutive month period, up to a maximum

total limit of $200,000 per accountholder in any 12 month

consecutive period.

SECTION D - EXCESS AND

EXCLUSIONS

EXCESS - WHAT YOU CONTRIBUTE TO A

CLAIM

No excess applies to any claim under Unauthorised

Transaction Insurance.

EXCLUSIONS

The exclusions below set out what is not covered. To the

extent permitted by law, we do not cover you for any loss or

expense caused by, arising from, or in any way related to:

(a) any indirect losses or consequential liability of any kind,

(b) any payment which would violate any applicable trade or

economic sanctions, law or regulation;

your behalf;

(d) any unauthorised transactions incurred by any director,

partner or owner of the accountholder, or any family

members of the said directors, partners or owners of the

accountholder;

(e) any loss caused by an act of terrorism.

SECTION E - THE COVER

AVAILABLE

What we cover

If during the period of cover available an unauthorised

transaction is incurred on the accountholder’s ANZ Travel

Account Facility by an authorised user, we will indemnify

the accountholder for the loss they incur up to the limits

specified in Section C - Benefit Limits.

Conditions

It is a condition of this insurance that you must take all

reasonable steps to ensure your authorised users use the ANZ

Travel Account Facility in accordance with your instructions

and any authority you have given to the authorised user,

including (but not limited to) the following:

• you must instruct your authorised users in writing of the

limits of their authority to use the ANZ Travel Account

Facility.

• When:

- you no longer wish an authorised user to use the ANZ

Travel Account Facility; or

- the authorised user’s employment is terminated or the

authorised user resigns; or

- you become aware or suspect that an unauthorised

transaction had been transacted (e.g. when an

unauthorised transaction shows on a statement) or is

likely to be transacted by the authorised user,

• you must:

- immediately communicate with the authorised user

advising the authorised user that they are no longer

authorised to use the ANZ Travel Account Facility; and

- cancel the authorised user’s authority to use the ANZ

Travel Account Facility.

Subject to the claim being established and admitted by

us, we will make payment to you of any unauthorised

transaction amounts.

CLAIMS

How to make a claim

Please do not contact ANZ in the event of a claim.

First check that you are entitled to claim by reading the

appropriate section in this booklet, especially Section D of

this part, to see exactly what is, and is not covered, noting

particularly any conditions, limitations and exclusions.

Allianz Global Assistance administers the benefits available

under the Group Policy. You should give Allianz Global

Assistance notice of your claim as soon as possible.

You are not covered for any claim made after termination

of, or the expiry of the period of insurance specified in,

the Group Policy. ANZ will provide you with details of any

replacement cover.

Access claim forms 24 hours a day, 7 days a week

at: insurance.agaassistance.com.au/anzau/page/

otherInsurances/claimOther

Allianz Global Assistance will consider your claim within

10 business days of receiving a completed claim form

and all necessary documentation. If they need additional

information, a written notification will be sent to you within

10 business days.

If there is a delay in claim notification, or you do not provide

sufficient detail for Allianz Global Assistance to consider your

claim, we can reduce any claim payable by the amount of

prejudice we have suffered because of the delay.

You should give any information Allianz Global Assistance

reasonably asks for to support your claim at your expense,

such as but not limited to police reports and communications

to the accountholder. If required Allianz Global Assistance

may ask you to provide them with translations into English

of any such documents to enable their consideration of your

claim.

You should co-operate at all times in relation to providing

supporting evidence and such other information that may

reasonably be required.

How GST may affect your claim

If you are entitled to claim an input tax credit in respect of

a cost for which a claim is made, or would be entitled to an

input tax credit if you were to incur the relevant cost (i.e.

in replacing a lost or stolen item), the amount we would

otherwise pay will be reduced by the amount of that input

tax credit.

Claims are payable in Australian dollars

We will pay all claims in Australian dollars. We will pay you

unless you tell us to pay someone else. The rate of currency

exchange that will apply is the rate at the time you incurred

the expense. Payment will be made by direct credit to a bank

account nominated by you.

Recovery

If we have a claim against someone in relation to the money

we have to pay or we have paid, you must take reasonable

steps to help us do that in legal proceedings. If you are aware

of any third party that you or we may recover money from,

you should inform us of such third party.

When making a claim you should tell us about any other

insurance under which you are or might be able to claim. If

you can claim from another insurer and we also pay you in

respect of the same insured event, then you will be required

to refund to us the amount we paid if the other insurer also

paid you.

You cannot claim from us and from the other insurer to

obtain an aggregate amount that exceeds your loss.

If during the period of cover made available, you suffer a loss

which is not covered by the Group Policy, we may offer to

attempt to recover your uninsured loss for you.

You may specifically ask us to recover this for you however,

we have no obligation to do so. You will need to give us

documents supporting your loss. Before we include any

uninsured loss in a recovery action we will also ask you to

agree to the basis on which we will handle your uninsured

recovery action. You may need to contribute to legal costs in

some circumstances.

We will apply any money we recover from someone else

under a right of subrogation in the following order:

1. To us, our costs (administration and legal) arising from the

recovery.

2. To us, an amount equal to the amount that we paid to

you under the Group Policy.

3. To you, your uninsured loss (less your excess).

4. To you, your excess.

Once we pay your total loss (including your uninsured loss

and any excess) we will keep all money left over.

If we have paid your total loss and you receive a payment

from someone else for that loss or damage, you will need to

pay us the amount of that payment up to the amount of the

claim we paid you.

Fraud

When making a claim you have a responsibility to assist us

and to act in an honest and truthful manner.

If any claim is fraudulent in any way or if you or anyone acting

on your behalf uses fraudulent means to make a claim on

the cover described in this booklet, then no payment will be

made in regard to the claim. Also ANZ will be informed of

the situation and you may no longer be eligible for the cover

described in this part.

COMPLAINTS AND DISPUTES

If you are dissatisfied with our service in any way, please

contact Allianz Global Assistance and we will attempt to

resolve the matter in accordance with our internal dispute

resolution procedures.

If we do not make a decision within the period that we

tell you we will respond, we will tell you about your right

to lodge a complaint with an external dispute resolution

scheme.

If you are not happy with our response, you can refer your

complaint to AFCA subject to its terms of reference. AFCA

provides a free and independent dispute resolution service

for consumers who have general insurance disputes falling

within its terms. AFCA’s contact details are:

The Australian Financial Complaints Authority

Online: www.afca.org.au

Phone: 1800 931 678

Email: info@afca.org.au

Mail: GPO Box 3 Melbourne VIC 3001

For more information on how we handle complaints you can

request a copy of our procedures, using our contact details

on the inside front cover.

GENERAL INSURANCE CODE OF PRACTICE

The General Insurance Code of Practice was developed by

the Insurance Council of Australia to further raise standards of

practice and service across the insurance industry. The Code

Governance Committee (CGC) is an independent body that

monitors and enforces insurers’ compliance with the Code.

You can obtain more information on the Code of Practice

and how it assists you by contacting us. Contact details are

provided on the inside front cover of this booklet. For more

information on the Code Governance Committee (CGC) go to

www.insurancecode.org.au

anz.com

Australia and New Zealand Banking Group Limited ABN 11 005 357 522. Australian Credit Licence Number 234527. Item No. 60394 11.2023 WZ134432