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The Annual Account Fee ("Annual Fee") for ANZ First is currently $30, the standard annual percentage interest rate is on purchases, on cash advances and on standard balance transfers as at  and is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB) and ANZ Personal Banking General Fees and Charges (PDF 143kB).

Offer only available to new and approved credit card applicants who apply for an ANZ First credit card account with the purchase rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. If you transfer to a different credit card account during the offer period, the standard purchases annual percentage rate applicable on the new credit card account will apply to any unpaid purchases balance. The lower interest rate of 0% p.a. will apply to purchases on your ANZ First credit card account for a period of 12 months from the date of account approval. At the end of this offer period, new purchases and any purchases that remain unpaid will become subject to the standard purchases annual percentage rate applicable to your credit card account. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB) and ANZ Personal Banking General Fees and Charges (PDF 143kB). Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. This offer applies only once per eligible customer. Your application must be approved and you must activate the card for the $30 to be credited to your credit card account within 3 months of approval. The $30 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ First credit card account before the $30 credit is processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $30 credit is processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

The standard variable annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers for ANZ Low Rate,  on purchases,  on cash advances and  on standard balance transfers for ANZ First,  on purchases,  on cash advances and   on standard balance transfers for ANZ Platinum,  on purchases,  on cash advances and  on standard balance transfers for ANZ Frequent Flyer,  on purchases,  on cash advances and  on standard balance transfers for ANZ Frequent Flyer Platinum,  on purchases,  on cash advances and  on standard balance transfers for ANZ Frequent Flyer Black,  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards,  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards Platinum and  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards Black,  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards Travel Adventures. These rates are current as at  and are subject to change.

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement of account in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use. Existing customers should review their credit contract for information regarding their account.

Purchase Protection Insurance and Extended Warranty 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 license 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the Group Policy are set out in the ANZ Credit Cards Insurance Features booklet (PDF 156kB) which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

This insurance is issued by OnePath Life Limited ABN 33 009 657 176, AFSL 238341 (OnePath Life) or by OnePath General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (OnePath GI). OnePath Life and OnePath GI are subsidiaries of Australia and New Zealand Banking Group Limited (ANZ). ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer. The issuers are not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than the relevant issuer. ANZ recommends that you read the ANZ Financial Services Guide (PDF 104kB) and the relevant Product Disclosure Statement for further information about its association with the issuer and any benefits that it may receive and other important information before deciding whether to acquire or hold this product.

The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the first year. In each subsequent year, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. Eligible Purchases must be made in the year prior to your next Fee Date. Your Fee Date is the date that your account is assessed for charging an Annual Fee. If your account has not previously been charged an Annual Fee then for the purpose of determining your eligibility for the waiver, your Fee Date is the first date that your account is assessed for charging an Annual Fee. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of Eligible Purchases in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change. 

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 third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Premium Cards – Insurances, Insurance Policy Information booklet which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. 

Offer only available to new and approved credit card applicants who apply for an ANZ Platinum credit card account with the purchase rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. If you transfer to a different credit card account during the offer period, the standard purchases annual percentage rate applicable on the new credit card account will apply to any unpaid purchases balance. The lower interest rate of 0% p.a. will apply to purchases on your ANZ Platinum credit card account for a period of 17 months from the date of account approval. Any purchases that remain unpaid at the end of this period will become subject to the standard purchases annual percentage rate applicable to your credit card account. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card.

Standard annual percentage interest rate for ANZ Platinum is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate credit card account with the balance transfer. This is a limited time only offer which may be withdrawn or changed at any time without notice. Offer available in respect of balances transferred from non-ANZ credit and store card accounts only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. ANZ will process the balance transfer requested and any applicable fees up to 95% of your available credit limit. The balance transfer must be requested at the time of applying for the credit card. Offer only applies to balance transfers requested at the time of applying for the credit card.

The ANZ Low Rate Annual Account Fee (“Annual Fee”) will be waived in the first year from the date you accept the letter of offer (“First Year”). The Annual Fee will be charged on the first statement of account after the end of the First Year and annually thereafter. The Annual Fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.

The balance transfer Promotional Plan annual percentage rate expires 20 months after the date the credit card application is approved, and after the first 20 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is  for ANZ Low Rate as at  and is subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use.

The standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet (or call 13 22 73 for a copy), e.g. fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points.

Offer available to new and approved applicants who apply for an ANZ Rewards Black credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black credit card, or have closed, or qualified for bonus Reward Points or a credit back on, any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $2,000 worth of eligible purchases within 3 months of approval to receive the 180,000 bonus Rewards Points. Eligible purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 102kB), for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. The bonus Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Black credit card account before the bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid.

ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria. The annual fee will be waived in the first year. After the first year, an annual fee of $375 applies. This fee is current as at  and is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB), and ANZ Personal Banking General Fees and Charges (PDF 143kB).

For ANZ Rewards, a total Annual Fee of $80 applies which includes a $25 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum, a total Annual Fee of $95 applies, which includes a $40 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total Annual Fee of $375 applies, which includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Travel Adventures, a total Annual Fee of $120 applies, which includes a $65 Annual Account Fee and a $55 Rewards Program Service Fee.  For additional cardholders on ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black and ANZ Rewards Travel Adventures, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only.

ANZ will waive the overseas transaction fee on foreign currency transactions and transactions where the merchant or financial institution accepting the card is located outside Australia. ANZ will also waive the cash advance fee if you use your ANZ Rewards Travel Adventures account to withdraw actual cash from a branch or ATM located overseas, however you may incur interest on a cash advance unless the account is in credit (by at least the amount of the cash advance). A cash advance fee will apply to any other cash advances on your account. ATM operator fees may apply.

Offer available to new and approved applicants who apply for an ANZ Rewards Travel Adventures credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black or ANZ Rewards Travel Adventures credit card, or have closed, or qualified for bonus Reward Points or a credit back on, any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $1,000 worth of eligible purchases within 3 months of approval to receive the 40,000 bonus Reward Points. Eligible purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions, for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. The bonus Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Travel Adventures credit card account before the bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

For ANZ Rewards Travel Adventures, a Total Annual Fee of $120 applies which includes a $65 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. The Total Annual Fee information displayed on this page applies to new customers only. Existing customers may be subject to a different Total Annual Fee and should call 13 22 73 for information regarding the Total Annual Fee that applies to their account. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.

Offer available to ANZ Rewards Travel Adventures primary cardholders who have made $500 of net eligible purchases within three months of approval. One complimentary flight is available to the primary cardholder each year until the card is cancelled. Complimentary flights are restricted to selected economy fare class on flights operated by Virgin Australia to selected domestic destinations. Bookings are subject to availability and some flights may not have complimentary seats available. Flights must be booked at least 60 days in advance. Not to be combined with any other offer, discount or cabin class upgrades. Fees may apply for excess baggage, booking changes and cancellations. The complimentary flight is not eligible for Velocity Points and/or Status Credits earn. The Air Travel Benefit Terms (PDF 56kB) and the Virgin Australia Terms and Conditions of Carriage apply. Eligible purchases are described in the Air Travel Benefit Terms - for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases.

Offer available to ANZ Rewards Travel Adventures primary cardholders who have made $500 of net eligible purchases within three months of approval. The primary cardholder is entitled to two single entry lounge passes each year until the card is cancelled.  Lounge passes provide access to the Virgin Australia domestic Lounge when travelling on a Virgin Australia domestic flight. Lounge Passes cannot be used in international lounges, partner airlines or associated lounges. Lounge Passes expire 12 months after request. Please allow 4 weeks for delivery of passes. Lounge entry is subject to space availability and is permitted a maximum of 2 hours before the flight. Damaged lounge passes will not be accepted. Lounge passes are non-refundable and must not be offered for re-sale. Access to the lounge is subject to the Virgin Australia Lounge Terms and Conditions and Lounge Rules. This offer is subject to the Air Travel Benefit Terms (PDF 56 KB). Eligible purchases are described in the Air Travel Benefit Terms - for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your eligible purchases. 

Offer available to new and approved applicants who apply for an ANZ Rewards Platinum credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black credit card, or have closed, or qualified for bonus Reward Points or a credit back on, any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $1,500 worth of eligible purchases within 3 months of approval to receive the 120,000 bonus Rewards Points. Eligible purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 102kB), for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. The bonus Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum credit card account before the bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria. The annual fee will be waived in the first year. After the first year, an annual fee of $95 applies. This fee is current as at  and is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB) and ANZ Personal Banking General Fees and Charges (PDF 143kB).

When you redeem your Reward Points for ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black account within 5 business days.

Offer available to new and approved applicants who apply for an ANZ Rewards credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black or ANZ Rewards Travel Adventures credit card, or have closed, or qualified for bonus Reward Points on, any of those ANZ Rewards credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $1,000 worth of eligible purchases within 3 months of approval to receive the 50,000 bonus Reward Points. Eligible purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions, for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. The 50,000 bonus Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards credit card account before the bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before bonus Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria.

Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes and reversed or refunded transactions will not earn Points. Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.

Offer available to new and approved applicants who apply for an ANZ Frequent Flyer credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Not available where you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $1,000 worth of eligible purchases within three months of approval to receive the 25,000 bonus Qantas Points. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions, for example fees, cash advances, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The 25,000 bonus Qantas Points will be credited to your Qantas account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer credit card account before the bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria. This offer is limited to one credit card application per Qantas Frequent Flyer member.

For ANZ Frequent Flyer, a total Annual Fee of $95 applies which includes a $40 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Platinum, a total Annual Fee of $295 applies which includes a $240 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total Annual Fee of $425 applies which includes a $370 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders on an ANZ Frequent Flyer, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases within three months of approval to receive the 75,000 bonus Qantas Points and have the $150 credited to your credit card account. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions, for example fees, cash advances, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The 75,000 bonus Qantas Points will be credited to your Qantas account, and the $150 will be credited to your credit card account within three months of the eligible spend criteria being met. The $150 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ Frequent Flyer Platinum credit card account before the $150 credit and bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $150 credit and bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria. This offer is limited to one credit card application per Qantas Frequent Flyer member.

Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Black credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $3,000 worth of eligible purchases within three months of approval to receive the 120,000 bonus Qantas Points and have the $200 credited to your credit card account. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions, for example fees, cash advances, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The 120,000 bonus Qantas Points will be credited to your Qantas account and the $200 will be credited to your credit card account within three months of the eligible spend criteria being met. The $200 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the $200 credit and bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $200 credit and bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria. This offer is limited to one credit card application per Qantas Frequent Flyer member.

Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Complimentary Invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765. Qantas Club Complimentary Invitations will then be available via the Complimentary Invitations Portal, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use and the account remains open. Qantas Club Complimentary Invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas-operated International Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way and Qantas reserves the right to cancel invitations that are in breach of this policy. Invitations are valid for 12 months from date of issue. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on qantas.com/qantasclub. Access may not be available if the applicable lounge is full or near capacity at the full discretion of lounge staff. Access and use of Qantas Club lounges is subject to Qantas Club terms and conditions

Offers are only available to ANZ Frequent Flyer Black cardholders who are Australian residents and who purchase Qantas Club membership using their ANZ Frequent Flyer Black card. Offers are non-transferable and are not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. $497 saving in the first year is based upon a joining fee waiver and a discount to the standard one-year individual membership rate. The joining fee waiver is for a new one year individual Qantas Club membership purchased using an ANZ Frequent Flyer Black card by contacting the Qantas Frequent Flyer Service Centre on 13 11 31. Quoted joining fee savings are based on the joining fee for an individual Qantas Club membership application by an Australian resident. Different rates may be available for those with access to the Qantas Club Corporate scheme. The membership fee offer is for a one year individual Qantas Club membership which is purchased or renewed using an ANZ Frequent Flyer Black card by contacting the Qantas Service Centre. Quoted membership fee savings are based on the difference between the published corporate membership rate and the fee applicable to an individual Qantas Club membership held by an Australian resident. Only one joining fee waiver, and one membership fee discount per year, are available per cardholder. Qantas Club membership is subject to approval by Qantas and to the terms and conditions of The Qantas Club, available at qantas.com/qantasclub.

Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments.

Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.