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Be rewarded for your everyday purchases and have the flexibility to redeem points for rewards ranging from gift cards to cashback and travel

 

Earn Reward Points on your everyday purchasesdisclaimer

Variety in rewards options including gift cards, merchandise and cashbackdisclaimer

Flexibility to change reward choices any time

With 25,000 Reward Points, you could choose from

 

$100 worth of gift cards
such as Myer, Woolworths and Westfield

8 cinema vouchers
so you can see the latest blockbusters

$100 cashbackdisclaimer
to help reduce the balance of your ANZ Rewards card

Features and benefits

Go on, you’ve earned it

If you’re making purchases on your credit card, you deserve to get something back. Earn Reward Points on your everyday purchasesdisclaimer and have the flexibility to redeem points on a wide range of rewards, including gift cards, merchandise and cashbackdisclaimer. With two cards you could earn more rewards and there’s no cap to the number of Reward Pointsdisclaimer you can earn.

 

 

It’s richly rewarding

 

Earn Reward Points

ANZ Rewards American Express® card

2 Reward Points per $1 spent on eligible purchasesdisclaimer

ANZ Rewards Visa card

1.5 Reward Points per $1 spent on eligible purchasesdisclaimer

Choose from hundreds of different ANZ rewards

ANZ Rewards include travel options, entertainment, gift cards, shopping vouchers, merchandise and much more. You can redeem online or by calling 1300 367 763 . If you don’t have enough points, just pay the balance.

Two cards to earn more rewards

We’ve made it even easier for you to earn Reward Points.disclaimer Maximise your point-earning potential with two cards on one account: earn more points when using your ANZ Rewards American Express card and enjoy the convenience of 36 million locations around the world when using your ANZ Rewards Visa card.

More reasons to choose ANZ Rewards

Easy ways to bank

ANZ goMoney® gives you a great way to bank on your iPhone or Android.disclaimer You can also use our Smart ATMs, ANZ Internet Banking or ANZ Phone Banking, or set up direct debit with CardPay Direct (PDF 64kB).

Get exclusive entertainment and lifestyle offers

With American Express Connect you can enjoy travel, shopping and dining benefits handpicked from trusted partners plus you can save offers to your card. VISA Entertainment gives you exclusive offers and privileges in travel, leisure, dining and shopping around the world.

 

Shop with extra security and confidence

  • ANZ Falcon™ provides round-the-clock monitoring for suspicious transactions
  • You won't be liable for fraudulent transactions on your ANZ credit card account with ANZ Fraud Money Back Guaranteedisclaimer
  • Worldwide emergency credit card replacement.

Protection for your ANZ credit card

ANZ Credit Card Insurance could help you stay on top of your credit card minimum monthly repayments if you experience an unexpected redundancy, illness or injury.disclaimer See ANZ Credit Card Insurance for details including what is covered and the cost. Eligibility criteria apply.

Rates and fees

The important numbersdisclaimer

 

ANZ Rewards American Express

2 Reward Pointsdisclaimer

per $1 spent on eligible purchases

ANZ Rewards Visa

1.5 Reward Pointsdisclaimer

per $1 spent on eligible purchases

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

Interest rate on standard balance transfers

disclaimer

Total annual fee

$89disclaimer

Interest free days on purchases

Up to 44 daysdisclaimer

Minimum credit limit

$1,000

Additional cardholders

Up to 3
for an annual fee of $65 per additional cardholderdisclaimer

Eligibility

Can I apply?

To apply for an ANZ Rewards credit card, you need to:

  • Be 18 years of age or over 
  • Have a good credit rating 
  • Be a permanent Australian resident, earning a minimum annual income of $15,000 
  • Be a non-Australian permanent resident with more than 9 months remaining on your Visa, earning a minimum annual income of $15,000 or have $50,000 in Australian Authorised Deposit-taking Institution (ADI) accounts 

Details to have handy

  • Australian driver’s licence number (if you have one)
  • Financial details of your share of income, expenses, assets and liabilities
  • If you’re self-employed, you’ll need your accountant’s phone number

How to apply

Ready to be rewarded?

Apply now

It only takes around 5 minutes to apply and you get a response in 60 seconds.


Other ways to apply:  Visit any ANZ Branch or Call 13 33 33 Mon to Fri, 8am to 8pm, Sat and Sun 10am to 6pm (AEST)

You don’t need to be an ANZ customer to apply for an ANZ credit card.
If approved, you may expect to receive your card within five business days.

Looking for more choices?

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

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  

Earn Qantas Pointsdisclaimer on your everyday purchases

 

OFFER

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

Not sure which credit card is right for you?

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.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

ANZ's colour blue is a trademark of ANZ.

ANZ goMoney™ is provided by and is a trademark of ANZ.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.

 

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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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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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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ANZ goMoney™ for Android™ is only available in Google Play™. ANZ goMoney™ for iPhone is only available from the App Store. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc.

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

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ANZ Credit Card Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and OnePath General Insurance Pty Limited (ABN 56 072 892 365). 

This advice is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. Before you purchase ANZ Credit Card Insurance you should consider whether the advice is appropriate for you having regard to your objectives, financial situation and needs.

ANZ recommends that you read and consider the ANZ Financial Services Guide and the ANZ Credit Card Insurance Product Disclosure Statement and Policy (also available by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

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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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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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Interest free periods on purchases do not apply if you do not pay the Closing Balance (or, if applicable, the 'Closing Balance' less instalment Plan and Buy Now Pay Later plan balances) shown on each statement of account in full by the applicable due date. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF 468kB).

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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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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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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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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 or where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card 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 $2,500 worth of eligible purchases (excluding fees, cash, cash equivalent transactions, cash advances as defined in the ANZ Credit Cards Conditions of Use (PDF 468kB), balance transfers, premiums for ANZ credit card insurance and any other payments excluded under the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.8MB)) within three months of approval to receive the bonus Qantas Points. The bonus Qantas Points will be credited to your ANZ 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 introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas 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 Frequent Flyer a Total Annual Fee of $95 applies which includes a $40 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 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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