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Important changes to ANZ credit cards

We’re making changes to our credit cards and the benefits available to cardholders.

Updates include increases to standard Annual Interest Rates and Cash Advance Fees. For some products we’re also making changes to complimentary insurance benefits^disclaimerand introducing caps on points earn for Qantas and Reward Points.

Select a card below to see how these changes may affect you.

ANZ credit cards

ANZ First

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Purchases, Cash Advances and standard Balance Transfers will increase, as follows:

first interest rate
Annual Interest Rate on Purchases balance	Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
22.49% p.a.	23.49% p.a.	23.49% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

These changes apply to Cash Advance transactions processed on or after 28 October 2026. If you make a Cash Advance transaction before this date but it’s processed on or after 28 October 2026, the increased fee will apply.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

Complimentary insurance benefits

There are no changes to the complimentary insurance benefits^disclaimer that come with the ANZ First credit card.

ANZ Low Rate

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Cash Advances and standard Balance Transfers will increase, as follows:

low rate interest rate
Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
23.49% p.a.	23.49% p.a.

The standard Annual Interest Rate on Purchases is not changing and will remain at 13.74% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

ANZ Platinum

Complimentary insurance benefits

We’re updating the complimentary insurance benefits^disclaimer that come with the ANZ Platinum credit card.

The ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 7 June 2024 will be updated in two phases, effective on 9 December 2026 for phase 1 and on 24 March 2027 for phase 2. A summary of the changes is provided below. For full details, please refer to the table of changes outlining all updates which can be viewed here. To review the Policy Information Booklets and for more information, please visit anz.com/allianz.

Phase 1 – on and from 9 December 2026:

We’re introducing 3 levels of insurance benefits across our credit cards. Each level determines the cover available. The ANZ Platinum credit card will be classified as a Level 2 Card.

As a Level 2 Card, the following changes will be made to the International Travel Insurance cover for the ANZ Platinum credit card on and from 9 December 2026:

The maximum period of cover for International Travel Insurance will reduce from up to three (3) consecutive months to up to one (1) month for you, your spouse and/or dependants.
Trip cancellation cover will reduce from $20,000 to $10,000 per cardholder or spouse. Dependants are included within the cardholder’s limit.
Personal liability cover will reduce from $3,000,000 to $1,000,000 per event for the cardholder or spouse. Dependants are included within the cardholder’s limit.
Some International Travel Insurance benefits will be removed. From this date, International Travel Insurance cover will only include access to:
- Overseas Emergency Assistance (including medical evacuation and repatriation)
- Overseas Emergency Medical
- Overseas Emergency Dental (spontaneous toothache)
- Cancellation
- Personal Liability

These changes will affect the cover when travelling overseas. This is a summary only. We recommend that you review the updated Policy Information Booklet effective 9 December 2026 to understand the cover and whether you need to consider arranging alternative travel insurance cover, having regard to your circumstances.

Phase 2 – on and from 24 March 2027:

We’re also making further changes to the International Travel Insurance cover for Level 1 Cards. As the ANZ Platinum credit card will be a Level 2 Card, these phase 2 changes on 24 March 2027 will not affect the cover. International Travel Insurance (for people aged under 81 years) will be renamed to “International Travel Insurance (Overseas Medical, Cancellation and Personal Liability for people aged under 81 years)”.

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Purchases, Cash Advances and standard Balance Transfers will increase, as follows:

platinum interest rate
Annual Interest Rate on Purchases balance	Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
22.49% p.a.	23.49% p.a.	23.49% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

ANZ Frequent Flyer Platinum

Complimentary insurance benefits

We’re updating the complimentary insurance benefits^disclaimer that come with the ANZ Frequent Flyer Platinum credit card.

Phase 1 – on and from 9 December 2026:

We’re introducing 3 levels of insurance benefits across our credit cards. Each level determines the cover available. The ANZ Frequent Flyer Platinum credit card will be classified as a Level 2 Card.

As a Level 2 Card, the following changes will be made to the International Travel Insurance cover for the ANZ Frequent Flyer Platinum credit card on and from 9 December 2026:

The maximum period of cover for International Travel Insurance will reduce from up to three (3) consecutive months to up to one (1) month for you, your spouse and/or dependants.
Trip cancellation cover will reduce from $20,000 to $10,000 per cardholder or spouse. Dependants are included within the cardholder’s limit.
Personal liability cover will reduce from $3,000,000 to $1,000,000 per event for the cardholder or spouse. Dependants are included within the cardholder’s limit.
Some International Travel Insurance benefits will be removed. From this date, International Travel Insurance cover will only include access to:
- Overseas Emergency Assistance (including medical evacuation and repatriation)
- Overseas Emergency Medical
- Overseas Emergency Dental (spontaneous toothache)
- Cancellation
- Personal Liability

Phase 2 – on and from 24 March 2027:

We’re also making further changes to the International Travel Insurance cover for Level 1 Cards. As the ANZ Frequent Flyer Platinum credit card will be a Level 2 Card, these phase 2 changes on 24 March 2027 will not affect the cover. International Travel Insurance (for people aged under 81 years) will be renamed to “International Travel Insurance (Overseas Medical, Cancellation and Personal Liability for people aged under 81 years)”.

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Purchases, Cash Advances and standard Balance Transfers will increase, as follows:

frequent flyer platinum interest rate
Annual Interest Rate on Purchases balance	Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
22.49% p.a.	23.49% p.a.	23.49% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

Qantas Points

We’re introducing a cap on the amount of eligible purchases that earn Qantas Points in each statement period.^disclaimer The Qantas Points earn rates that apply to eligible purchases are otherwise unchanged.

Effective on and from 28 October 2026, the following will apply:

0.75 Qantas Points for every $1 of total spend on eligible purchases up to and including $3,000 per statement period
0.5 Qantas Points for every $1 of total spend on eligible purchases over $3,000 up to and including $25,000 per statement period
Total spend on eligible purchases over $25,000 per statement period will not earn Qantas Points

Bonus Qantas Points are not changing. You’ll continue to earn 1 bonus Qantas Point per $1 spent on selected Qantas products and services.^disclaimer There is no limit on the number of bonus Qantas Points you may earn.

These changes will impact eligible purchases which form part of statements issued on and after 28 November 2026.

For more information, please refer to the ANZ Frequent Flyer - Reward Terms and Conditions, including how Qantas Points may be adjusted following a refund or reversal.

ANZ Frequent Flyer Black

Complimentary insurance benefits

We’re updating the complimentary insurance benefits^disclaimer that come with the ANZ Frequent Flyer Black credit card.

Phase 1 – on and from 9 December 2026:

We’re introducing 3 levels of insurance benefits across our credit cards. Each level determines the cover available. The ANZ Frequent Flyer Black credit card will be classified as a Level 1 Card.

We’re also making further changes to the International Travel Insurance cover for Level 2 Cards. As the ANZ Frequent Flyer Black credit card will be a Level 1 Card, the phase 1 changes on 9 December 2026 will not affect the cover currently available with the ANZ Frequent Flyer Black credit card from that date.

Phase 2 – on and from 24 March 2027:

As a Level 1 Card, the following changes will be made to the International Travel Insurance cover for the ANZ Frequent Flyer Black credit card on and from 24 March 2027:

The maximum period of cover for International Travel Insurance will reduce from up to six (6) consecutive months to up to two (2) consecutive months for you, your spouse and/or dependants.
Trip cancellation cover will reduce from $20,000 to $10,000 per cardholder or spouse. Dependants are included within the cardholder’s limit.
Personal liability cover will reduce from $3,000,000 to $1,000,000 per event for the cardholder or spouse. Dependants are included within the cardholder’s limit.
Benefits will be removed from the cover. From this date, your International Travel Insurance cover will only include access to:
- Overseas Emergency Assistance (including medical evacuation and repatriation)
- Overseas Emergency Medical
- Overseas Emergency Dental (spontaneous toothache)
- Cancellation
- Personal Liability
International Travel Insurance (for people aged under 81 years) will be renamed to “International Travel Insurance (Overseas Medical, Cancellation and Personal Liability for people aged under 81 years)”.

These changes will affect the cover when travelling overseas. This is a summary only. We recommend that you review the updated Policy Information Booklet effective 24 March 2027 to understand the cover and whether you need to consider arranging alternative travel insurance, having regard to your circumstances.

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Purchases, Cash Advances and standard Balance Transfers will increase, as follows:

frequent flyer platinum interest rate
Annual Interest Rate on Purchases balance	Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
22.49% p.a.	23.49% p.a.	23.49% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

Qantas Points

Effective on and from 28 October 2026, the following will apply:

1 Qantas Point for every $1 of total spend on eligible purchases up to and including $7,500 per statement period
0.5 Qantas Points for every $1 of total spend on eligible purchases over $7,500 up to and including $50,000 per statement period
Total spend on eligible purchases over $50,000 per statement period will not earn Qantas Points

These changes will impact eligible purchases which form part of statements issued on and after 28 November 2026.

For more information, please refer to the ANZ Frequent Flyer - Reward Terms and Conditions, including how Qantas Points may be adjusted following a refund or reversal.

ANZ Rewards Platinum

Complimentary insurance benefits

We’re updating the complimentary insurance benefits^disclaimer that come with the ANZ Rewards Platinum credit card.

The ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 7 June 2024 will be updated in two phases, effective on 9 December 2026 for phase 1 and on 24 March 2027 for phase 2. A summary of the changes is provided below. For full details please refer to the table of changes outlining all updates which can be viewed here. To review the Policy Information Booklets and for more information, please visit anz.com/allianz.

Phase 1 – on and from 9 December 2026:

We’re introducing 3 levels of insurance benefits across our credit cards. Each level determines the cover available. The ANZ Rewards Platinum credit card will be classified as a Level 3 Card.

As a Level 3 Card, the following changes will be made to cover for the ANZ Rewards Platinum credit card on and from 9 December 2026:

Complimentary travel insurance will no longer be included with the card. This means:
- The card will no longer include International Travel Insurance, Domestic Travel Insurance, and Rental Vehicle Excess Insurance in Australia.
- You’ll only have access to cover for events that happen before 9 December 2026, subject to the eligibility criteria being met.
- The card will continue to include access to Purchase Protection Insurance and Extended Warranty Insurance.

Phase 2 – on and from 24 March 2027:

We’re making further changes to the International Travel Insurance cover for Level 1 Cards and Level 2 Cards. As the ANZ Rewards Platinum credit card will be a Level 3 Card, these phase 2 changes on 24 March 2027 will not affect the cover.

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Purchases, Cash Advances and standard Balance Transfers will increase, as follows:

frequent flyer platinum interest rate
Annual Interest Rate on Purchases balance	Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
22.49% p.a.	23.49% p.a.	23.49% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

ANZ Reward Points

We’re introducing a cap on the amount of eligible purchases that earn Reward Points in each statement period.^disclaimer The Reward Points earn rates that apply to eligible purchases are otherwise unchanged.

Effective on and from 28 October 2026, the following will apply:

1.5 Reward Points for every $1 of total spend on eligible purchases up to and including $2,000 per statement period
0.5 Reward Points for every $1 of total spend on eligible purchases over $2,000 up to and including $25,000 per statement period
Total spend on eligible purchases over $25,000 per statement period will not earn Reward Points

These changes will impact eligible purchases which form part of statements issued on and after 28 November 2026.

As a result of these changes, we're updating the ANZ Rewards – Rewards Program Terms and Conditions, effective on 28 October 2026, to:

introduce new terms, such as ‘cap’ and ‘eligible purchase’;
explain that some Credit Card Accounts have a cap on the amount of eligible spend that can earn Reward Points in a statement period; and
clarify how Reward Points may be adjusted following a refund or reversal.

For more information, please refer to the table of changes which outlines all changes to the ANZ Rewards – Rewards Program Terms and Conditions, available here.

ANZ Rewards Black

Complimentary insurance benefits

We’re updating the complimentary insurance benefits^disclaimer that come with the ANZ Rewards Black credit card.

On and from 24 March 2027, complimentary travel insurance benefits will no longer be included with the ANZ Rewards Black credit card.

Phase 1 – on and from 9 December 2026:

We’re introducing 3 levels of insurance benefits across our credit cards. Each level determines the cover available. The ANZ Rewards Black credit card will be classified as a Level 1 Card.

We’re also making changes to the International Travel Insurance cover for Level 2 Cards. As the ANZ Rewards Black credit card will initially be a Level 1 Card, the phase 1 changes on 9 December 2026 will not affect the cover currently available with the ANZ Rewards Black credit card from that date.

Phase 2 – on and from 24 March 2027:

The ANZ Rewards Black credit card will be classified as a Level 3 Card on and from 24 March 2027. As a Level 3 Card, the following changes will be made to cover for the ANZ Rewards Black credit card on and from 24 March 2027:

Complimentary travel insurance will no longer be included with the card. This means:
- The card will no longer include International Travel Insurance, Domestic Travel Insurance, and Rental Vehicle Excess Insurance in Australia.
- You’ll only have access to cover for events that happen before 24 March 2027, subject to the eligibility criteria being met.
- The card will continue to include access to Purchase Protection Insurance and Extended Warranty Insurance.

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Purchases, Cash Advances and standard Balance Transfers will increase, as follows:

frequent flyer platinum interest rate
Annual Interest Rate on Purchases balance	Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
22.49% p.a.	23.49% p.a.	23.49% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

ANZ Reward Points

Effective on and from 28 October 2026, the following will apply:

2 Reward Points for every $1 of total spend on eligible purchases up to and including $5,000 per statement period
1 Reward Point for every $1 of total spend on eligible purchases over $5,000 up to and including $50,000 per statement period
Total spend on eligible purchases over $50,000 per statement period will not earn Reward Points

These changes will impact eligible purchases which form part of statements issued on and after 28 November 2026.

As a result of these changes, we're updating the ANZ Rewards – Rewards Program Terms and Conditions, effective on 28 October 2026, to:

introduce new terms, such as ‘cap’ and ‘eligible purchase’;
explain that some Credit Card Accounts have a cap on the amount of eligible spend that can earn Reward Points in a statement period; and
clarify how Reward Points may be adjusted following a refund or reversal.

For more information, please refer to the table of changes which outlines all changes to the ANZ Rewards – Rewards Program Terms and Conditions, available here.

Credit cards no longer for sale

ANZ Frequent Flyer

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Purchases, Cash Advances and standard Balance Transfers will increase, as follows:

frequent flyer interest rate
Annual Interest Rate on Purchases balance	Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
22.49% p.a.	23.49% p.a.	23.49% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

Qantas Points

There are no changes to the existing points earn rates or any cap on the amount of eligible spend that can earn Qantas Points in a statement period.

ANZ Frequent Flyer Platinum (ex-Gold)

Complimentary insurance benefits

We’re updating the complimentary insurance benefits^disclaimer that come with the ANZ Frequent Flyer Platinum credit card.

Phase 1 – on and from 9 December 2026:

As a Level 2 Card, the following changes will be made to the International Travel Insurance cover for the ANZ Frequent Flyer Platinum credit card on and from 9 December 2026:

The maximum period of cover for International Travel Insurance will reduce from up to three (3) consecutive months to up to one (1) month for you, your spouse and/or dependants.
Trip cancellation cover will reduce from $20,000 to $10,000 per cardholder or spouse. Dependants are included within the cardholder’s limit.
Personal liability cover will reduce from $3,000,000 to $1,000,000 per event for the cardholder or spouse. Dependants are included within the cardholder’s limit.
Some International Travel Insurance benefits will be removed. From this date, International Travel Insurance cover will only include access to:
- Overseas Emergency Assistance (including medical evacuation and repatriation)
- Overseas Emergency Medical
- Overseas Emergency Dental (spontaneous toothache)
- Cancellation
- Personal Liability

Phase 2 – on and from 24 March 2027:

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Purchases, Cash Advances and standard Balance Transfers will increase, as follows:

frequent flyer platinum interest rate
Annual Interest Rate on Purchases balance	Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
22.49% p.a.	23.49% p.a.	23.49% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

Qantas Points

There are no changes to the existing points earn rates or any cap on the amount of eligible spend that can earn Qantas Points in a statement period.

ANZ Rewards

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Purchases, Cash Advances and standard Balance Transfers will increase, as follows:

rewards interest rate
Annual Interest Rate on Purchases balance	Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
22.49% p.a.	23.49% p.a.	23.49% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

ANZ Reward Points

There are no changes to the existing points earn rates or any cap on the amount of eligible spend that can earn Reward Points in a statement period.

ANZ Rewards – Rewards Program Terms and Conditions

We're updating the ANZ Rewards – Rewards Program Terms and Conditions, effective on 28 October 2026, to:

introduce new terms, such as ‘cap’ and ‘eligible purchase’;
explain that some Credit Card Accounts have a cap on the amount of eligible spend that can earn Reward Points in a statement period; and
clarify how Reward Points may be adjusted following a refund or reversal.

For more information, please refer to the table of changes which outlines all changes to the ANZ Rewards – Rewards Program Terms and Conditions, available here.

ANZ Rewards Travel Adventures

Complimentary insurance benefits

We’re updating the complimentary insurance benefits^disclaimer that come with the ANZ Rewards Travel Adventures credit card.

Phase 1 – on and from 9 December 2026:

We’re introducing 3 levels of insurance benefits across our credit cards. Each level determines the cover available. The ANZ Rewards Travel Adventures credit card will be classified as a Level 2 Card.

As a Level 2 Card, the following changes will be made to the International Travel Insurance cover for the ANZ Rewards Travel Adventures credit card on and from 9 December 2026:

The maximum period of cover for International Travel Insurance will reduce from up to three (3) consecutive months to up to one (1) month for you, your spouse and/or dependants.
Trip cancellation cover will reduce from $20,000 to $10,000 per cardholder or spouse. Dependants are included within the cardholder’s limit.
Personal liability cover will reduce from $3,000,000 to $1,000,000 per event for the cardholder or spouse. Dependants are included within the cardholder’s limit.
Some International Travel Insurance benefits will be removed. From this date, International Travel Insurance cover will only include access to:
- Overseas Emergency Assistance (including medical evacuation and repatriation)
- Overseas Emergency Medical
- Overseas Emergency Dental (spontaneous toothache)
- Cancellation
- Personal Liability

Phase 2 – on and from 24 March 2027:

We’re also making further changes to the International Travel Insurance cover for Level 1 Cards. As the ANZ Rewards Travel Adventures credit card will be a Level 2 Card, these phase 2 changes on 24 March 2027 will not affect the cover. International Travel Insurance (for people aged under 81 years) will be renamed to “International Travel Insurance (Overseas Medical, Cancellation and Personal Liability for people aged under 81 years)”.

Interest rates

Effective on and from 28 September 2026, the standard Annual Percentage Interest Rate on Purchases, Cash Advances and standard Balance Transfers will increase, as follows:

rewards travel adventure interest rate
Annual Interest Rate on Purchases balance	Annual Interest Rate on Cash Advances balance	Annual Interest Rate on standard Balance Transfers balance
22.49% p.a.	23.49% p.a.	23.49% p.a.

Cash Advance Fee

Effective on and from 28 October 2026, the Cash Advance Fee will increase, as follows:

the Cash Advance Fee will increase from 3% to 3.5%;
the minimum fee will increase from $3 to $4; and
the maximum fee will increase from $20 to $50.

For more details on how transactions are processed, please refer to the ANZ Credit Cards Conditions of Use.

ANZ Reward Points

There are no changes to the existing points earn rates or any cap on the amount of eligible spend that can earn Reward Points in a statement period.

ANZ Rewards – Rewards Program Terms and Conditions

We're updating the ANZ Rewards – Rewards Program Terms and Conditions, effective on 28 October 2026, to:

introduce new terms, such as ‘cap’ and ‘eligible purchase’;
explain that some Credit Card Accounts have a cap on the amount of eligible spend that can earn Reward Points in a statement period; and
clarify how Reward Points may be adjusted following a refund or reversal.

For more information, please refer to the table of changes which outlines all changes to the ANZ Rewards – Rewards Program Terms and Conditions, available here.

Frequently Asked Questions

General

Why are these changes occurring?

We regularly review our products, fees and features to reflect changes in market conditions. This helps ensure we can continue to offer competitive credit cards for our customers.

Do I need to do anything due to these changes?

No, you don’t. These changes will automatically be applied to your account. However, it’s important you’re aware of what’s changing and how it may impact you.

How can I change to a different ANZ credit card?

If you’d like to switch to a different ANZ credit card, you can request this:

Through ANZ Internet Banking;
By completing the ‘Transfer between credit card accounts’ form at anz.com; or
By contacting us and we’ll help.

Complimentary insurance benefits

What happens if an insurable event occurs before 9 December 2026?

If an insurable event occurs before 9 December 2026, and the eligibility criteria have been met, access to cover will be determined under the terms of the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 7 June 2024.

What happens if an insurable event occurs on or after 9 December 2026 but before 24 March 2027?

If an insurable event occurs on or after 9 December 2026 but before 24 March 2027, and the eligibility criteria have been met, access to cover will be determined under the terms of the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 9 December 2026.

What happens if an insurable event occurs on or after 24 March 2027?

If an insurable event occurs on or after 24 March 2027, and the eligibility criteria have been met, access to cover will be determined under the terms of the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 24 March 2027.

Interest rates

Will the changes to the standard Annual Percentage Interest Rates impact a promotional interest rate offer on an account?

No, these changes will not affect any promotional interest rates that apply to an account for the duration of the promotional period.

Cash Advance Fee

How will the Cash Advance Fee change affect me?

On and from 28 October 2026 the Cash Advance Fee will increase from 3% to 3.5%, the minimum Cash Advance Fee will increase from $3 to $4, and the maximum Cash Advance Fee will increase from $20 to $50.

For example, if you make a Cash Advance on 26 October 2026 and the transaction is processed on 28 October 2026, a 3.5% fee will apply, with a minimum fee of $4 and a maximum fee of $50.

ANZ Reward Points

Will I still earn Reward Points if I spend over the cap in a statement period?

Once you spend more than the cap on eligible purchases in a statement period, you’ll no longer earn Reward Points.

How will the Reward Points change affect me?

Eligible purchases made on or after 28 October 2026 and which form part of statements issued on or after 28 November 2026 will have the new cap applied. For example, if your statement period ends on 2 November 2026:

Eligible purchases processed up to 2 November 2026 will earn Reward Points at the current (old) earn rates;
Refunds or reversals processed up to 2 November 2026 will also be applied using the current (old) earn rates; and
The new cap on the amount of eligible purchases that can earn Reward Points will apply on and from 3 November 2026, including any refunds or reversals processed on and from that date. Your next statement for the period ending 2 December 2026 (and your statements thereafter) will reflect this change.

How will refunds or reversals affect the Reward Points I earn?

If a transaction on an account is refunded or reversed, the Reward Points you received for that transaction may be adjusted or reversed.

Any adjustment to your Reward Points balance will continue to be calculated by reference to the earn rate that applies at the time the refund or reversal is processed (rather than the time of the original transaction) and will take into account any applicable earn rate caps on an account.

For more information on how Reward Points may be adjusted following a refund or reversal, please refer to the ANZ Rewards – Rewards Program Terms and Conditions.

Qantas Points

Will I still earn Qantas Points if I spend over the cap in a statement period?

Once you spend more than the cap on eligible purchases in a statement period, you’ll no longer earn Qantas Points. This excludes bonus Qantas Points which are not changing. You’ll continue to earn 1 bonus Qantas Point per $1 spent on selected Qantas products and services.^disclaimer There is no limit on the number of bonus Qantas Points you may earn.

How will the Qantas Points change affect me?

Eligible purchases processed up to 2 November 2026 will earn Qantas Points at the current (old) earn rates;
Refunds or reversals processed up to 2 November 2026 will also be applied using the current (old) earn rates; and
The new cap on the amount of eligible purchases that can earn Qantas Points will apply on and from 3 November 2026, including any refunds or reversals processed on and from that date. Your next statement for the period ending 2 December 2026 (and your statements thereafter) will reflect this change.

How will refunds or reversals affect the Qantas Points I earn?

If a transaction on an account is refunded or reversed, the Qantas Points you received for that transaction may be adjusted or reversed. This includes bonus Qantas Points, which may be reversed if a refund is processed for the qualifying goods or services.

Any adjustment to your Qantas Points balance will continue to be calculated by reference to the earn rate that applies at the time the refund or reversal is processed (rather than the time of the original transaction) and will take into account any applicable earn rate caps on an account.

For more information on how Qantas Points may be adjusted following a refund or reversal, please refer to the ANZ Frequent Flyer - Reward Terms and Conditions.

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Important information

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. For insurable events that occur before 9 December 2026 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) dated 7 June 2024. For insurable events that occur on or after 9 December 2026 but before 24 March 2027 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) dated 9 December 2026. For insurable events that occur on or after 24 March 2027 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) dated 24 March 2027. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Return

Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF).

Return

Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

Return

ANZ Reward Points are earned and redeemed in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF).

Return

Important changes to ANZ credit cards

ANZ credit cards

ANZ First

ANZ Low Rate

ANZ Platinum

ANZ Frequent Flyer Platinum

ANZ Frequent Flyer Black

ANZ Rewards Platinum

ANZ Rewards Black

Credit cards no longer for sale

ANZ Frequent Flyer

ANZ Frequent Flyer Platinum (ex-Gold)

ANZ Rewards

ANZ Rewards Travel Adventures

Frequently Asked Questions

General

Why are these changes occurring?

Do I need to do anything due to these changes?

How can I change to a different ANZ credit card?

Complimentary insurance benefits

What happens if an insurable event occurs before 9 December 2026?

What happens if an insurable event occurs on or after 9 December 2026 but before 24 March 2027?

What happens if an insurable event occurs on or after 24 March 2027?

Interest rates

Will the changes to the standard Annual Percentage Interest Rates impact a promotional interest rate offer on an account?

Cash Advance Fee

How will the Cash Advance Fee change affect me?

ANZ Reward Points

Will I still earn Reward Points if I spend over the cap in a statement period?

How will the Reward Points change affect me?

How will refunds or reversals affect the Reward Points I earn?

Qantas Points

Will I still earn Qantas Points if I spend over the cap in a statement period?

How will the Qantas Points change affect me?

How will refunds or reversals affect the Qantas Points I earn?

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Important information