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Rewards credit cards

Put all your purchases on your ANZ Rewards credit card and earn Reward Pointsdisclaimer, then redeem them for a range of flexible rewards including gift cards, merchandise and cashbackdisclaimer.

 

The credit card that gets you travelling now and in the future also gives you access to a flexible Rewards program and complimentary insurancesdisclaimer.

Reward points

1.5

Reward Pointsdisclaimer

per $1 spent on eligible purchases up to and including $2,000 per statement period

0.5

Reward Pointsdisclaimer

per $1 spent on eligible purchases above $2,000 per statement period

Special Offer: Until 5 August 2017 receive 1.5 Reward Points per $1 spent on eligible purchases uncappeddisclaimer

Value

A return domestic flight4 and two single entry5 lounge passes when you spend $500 on eligible purchases in first 3 months.

The important numbersdisclaimer

Total annual fee

$225disclaimer

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

 

PLUS


Complimentary insurance for your travel and purchases

(eligibility criteria apply, including using your eligible card to make the purchase)

For overseas travel:


For travel within Australia:


For your purchases:

PLUS


24/7 Personal Concierge

A Personal Concierge, accessible 24 hours a daydisclaimer

PLUS


Choose your adventure

One complimentary return domestic flight with Virgin Australia each year until the card is cancelleddisclaimer

PLUS


Travel in style

Two complimentary Virgin Australia single entry lounge passes each year until the card is cancelleddisclaimer

PLUS


Shop confidently

No overseas transaction fee on your overseas purchases, including online from international websitesdisclaimer

Be rewarded for your everyday purchasesdisclaimer and access a flexible Rewards program with complimentary insurances and Personal Conciergedisclaimer.
 

Reward points

1.5

Reward Pointsdisclaimer

per $1 spent on eligible purchases up to and including $2,000 per statement period

0.5

Reward Pointsdisclaimer

per $1 spent on eligible purchases above $2,000 per statement period

Special Offer: Until 5 August 2017 receive 1.5 Reward Points per $1 spent on eligible purchases uncappeddisclaimer

OFFER

50,000 bonus Reward Points when you spend $2,500 within the first 3 months from approval. Plus $0 Annual Fee for the first year.disclaimer

The important numbersdisclaimer

Total annual fee

$95disclaimer

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

 

PLUS


Complimentary insurance for your travel and purchases

(eligibility criteria apply, including using your eligible card to make the purchase)

For overseas travel:


For travel within Australia:


For your purchases:

PLUS


24/7 Personal Concierge

A Personal Concierge, accessible 24 hours a daydisclaimer

Our highest Reward Pointsdisclaimer earning potential, uncapped flexible rewards, plus access to exclusive events and privileges.

 

Reward points

    2    

Reward Pointsdisclaimer

per $1 spent on eligible purchases up to and including $5,000 per statement period

1

Reward Pointdisclaimer

per $1 spent on eligible purchases above $5,000 per statement period

Special Offer: Until 5 August 2017 receive 2 Reward Points per $1 spent on eligible purchases uncappeddisclaimer

OFFER

75,000 bonus Reward Points when you spend $2,500 within the first 3 months from approval. Plus $0 Annual Fee for the first yeardisclaimer

 

The important numbersdisclaimer

Total annual fee

$375disclaimer

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

 

PLUS


Complimentary insurance for your travel and purchases

(eligibility criteria apply, including using your eligible card to make the purchase)

For overseas travel:


For travel within Australia:


For your purchases:

PLUS


24/7 Personal Concierge

A Personal Concierge, accessible 24 hours a daydisclaimer

PLUS


Travel in style

Enjoy unlimited access to participating airport lounges outside Australia through Velocedisclaimer

 

PLUS


Once in a lifetime experiences

Be rewarded with Exclusives by ANZ, access to invitation only events

Be rewarded for your everyday purchasesdisclaimer and have the flexiblity to redeem points for rewards ranging from gift cards to cashbackdisclaimer and travel.
 

Points earning potential

1

Reward Pointdisclaimer

per $1 spent on eligible purchases up to and including $1,000 per statement period

0.5

Reward Pointsdisclaimer

per $1 spent on eligible purchases above $1,000 per statement period

Special Offer: Until 5 August 2017 receive 1 Reward Point per $1 spent on eligible purchases uncappeddisclaimer

OFFER

25,000 bonus Reward Points when you spend $2,500 within the first 3 months from approval. Plus $0 Annual Fee for the first yeardisclaimer

The important numbersdisclaimer

Total annual fee

$80disclaimer

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

 

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

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Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet, e.g. fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate or different earn rate bands. Existing customers should call 13 13 14   for information regarding the Reward Points earn rate(s) that apply to their account.

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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.

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The Overseas Travel and Medical Insurance master policy, the Transport Accident Cover master policy and Rental Excess Cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - Insurance booklet (PDF 366kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

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Until 5 August 2017, the earn rate in this special offer will apply to all eligible purchases.  For purchases made after 5 August 2017, the earn rate bands will apply and applicable Points per dollar earn rate will based on the value of eligible purchases made during a statement period. Only available to new and transferring customers who applied for their eligible ANZ card on or after 1 March 2017.

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Offer available to ANZ Rewards Travel Adventures account holders who have made $500 of net eligible purchases within three months of approval. One complimentary flight is available to the accountholder 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, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases.

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Offer available to ANZ Rewards Travel Adventures accountholders who have made $500 of net eligible purchases within three months of approval. The accountholder 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. 

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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 $225 applies, which includes a $170 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. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account. 

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

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Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545 to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the Premium Cards - insurances booklet (PDF 366kB).

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Terms and conditions apply. Please refer to the ANZ Emergency Travel Service & Personal Concierge Terms and Conditions (PDF 92kB) for further information.

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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. A cash advance fee will apply to any other cash advances on your account. ATM operator fees may apply.

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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 or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. 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 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 booklet, for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. 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 Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year 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 additional cardholders an Additional Cardholder Fee of $10 and 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.

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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 or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. 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 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 booklet, for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Black credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. 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 Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year 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 additional cardholders an Additional Cardholder Fee of $10 and 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.

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Complimentary access to participating airport lounges is available to eligible ANZ Rewards Black and ANZ Frequent Flyer Black cardholders. Participating airport lounges can be found on veloceloungesoutlets.com and are subject to change. To gain complimentary access, eligible cardholders must present their credit card and a current flight boarding pass in the same name at the participating lounge. For terms & conditions refer to the Complimentary Airport Lounge Access Program Terms and Conditions (pdf 63kb).

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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 or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. 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 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 (PDF 113kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. 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 Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards credit card a Total Annual Fee of $80 applies, which includes a $25 Annual Account Fee and a $55 Rewards Program Service 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. 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.

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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, e.g. fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes 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 may be subject to different earn rate(s) on their account. Existing customers should call 13 13 14 for information regarding their account.

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