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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, shopping vouchers, hotels or flights with any leading airline.

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

 

Reward points

    3    

Reward Pointsdisclaimer

per $1 spent on eligible purchases with an ANZ Rewards Black American Express® card

2

Reward Pointsdisclaimer

per $1 spent on eligible purchases with an ANZ Rewards Black Visa card

 

OFFER

75,000 Reward Points when you spend $2,500 on eligible purchases in the first 3 months and no 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 access a flexible Rewards program with complimentary insurances and Personal Conciergedisclaimer.

Reward points

3

Reward Pointsdisclaimer

per $1 spent on eligible purchases with an ANZ Rewards Platinum American Express® card

1.5

Reward Pointsdisclaimer

per $1 spent on eligible purchases with an ANZ Rewards Platinum Visa card

 

OFFER

50,000 Reward Points when you spend $2,500 on eligible purchases in the first 3 months and no annual fee for the first yeardisclaimer  

The important numbersdisclaimer

Total annual fee

$149disclaimer

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

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

2

Reward Pointsdisclaimer

per $1 spent on eligible purchases with an ANZ Rewards American Express® card

1.5

Reward Pointsdisclaimer

per $1 spent on eligible purchases with an ANZ Rewards Visa card

OFFER

25,000 Reward Points when you spend $2,500 on eligible purchases in the first 3 months and no annual fee for the first yeardisclaimer

The important numbersdisclaimer

Total annual fee

$89disclaimer

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. 

 

American Express is a registered trademark of American Express. ANZ American Express cards are issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a licence from American Express.

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 76kB) (please call 13 13 14 for a copy). Purchases exclude fees, cash, cash equivalent transactions, balance transfers and premiums paid for ANZ Credit Card Insurance. 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 on both their ANZ Rewards American Express card and/or ANZ Rewards Visa card. Existing customers should call 13 22 73 for information regarding the Reward Points earn rate that applies 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 (excluding fees, cash, cash equivalent transactions, cash advances as defined in the ANZ Credit Card Conditions of Use (PDF 328kB),  balance transfers, premiums for ANZ credit card insurance and any other payments excluded under the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 76kB)) within three months of approval to receive the bonus 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 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 Tuesday, 24 February 2015 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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For ANZ Rewards, a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum, a Total Annual Fee of $149 applies, which includes a $94 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 additional cardholders on ANZ Rewards, ANZ Rewards Platinum and ANZ Rewards Black, 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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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 AFSL 239545 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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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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Complimentary access to participating airport lounges is available to eligible ANZ Rewards Black and ANZ Frequent Flyer Black cardholders. Participating airport lounges 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 and participating airport lounges refer to Veloce.

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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 (excluding fees, cash, cash equivalent transactions, cash advances as defined in the ANZ Credit Card Conditions of Use (PDF 328kB),  balance transfers, premiums for ANZ credit card insurance and any other payments excluded under the ANZ Rewards - Rewards Program Terms and Conditions (PDF 76kB)) within three months of approval to receive the bonus 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 $149 applies, which includes a $94 Annual Account Fee and a $55 Rewards Program Service Fee. For additional cardholders 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 Tuesday, 24 February 2015 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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When you redeem your Reward Points for ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black account within 5 business days.

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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 (excluding fees, cash, cash equivalent transactions,  cash advances as defined in the ANZ Credit Card Conditions of Use (PDF 328kB),  balance transfers, premiums for ANZ credit card insurance and any other payments excluded under the ANZ Rewards - Rewards Program Terms and Conditions (PDF 76kB)) within three months of approval to receive the bonus 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 a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders 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 Tuesday, 24 February 2015 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 (PDF 1.87MB) (please call 13 13 14 for a copy). Eligible purchases exclude fees, cash, cash equivalent transactions, balance transfers and premiums paid for ANZ Credit Card Insurance. You will not earn Qantas Points in respect of purchases which exceed any advised spend cap. Eligible purchases for each statement period for ANZ Frequent Flyer are capped at $3,000 of eligible purchases across all Visa cards on the account and $3,000 of eligible purchases across all American Express cards on the account, and for ANZ Frequent Flyer Platinum are capped at $6,000 of eligible purchases across all Visa cards on the account and $6,000 of eligible purchases across all American Express cards on the account. No spend cap applies to ANZ Frequent Flyer Black. Bonus Qantas Points may still be earned once eligible purchases made with your card exceed any applicable spend cap. The Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program which are available at qantas.com/terms. Earn rates and spend caps are subject to change. ANZ Frequent Flyer Platinum accounts that were previously named 'ANZ Frequent Flyer Gold' are subject to different earn rates and spend caps. Existing customers may be subject to a different earn rate or spend cap on their account. Existing customers should call 13 22 73 for information regarding their ANZ account.

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