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Offer Earn 50,000 bonus Reward Points

with your new ANZ Rewards credit card

When you spend $1,000 on eligible purchases in the first 3 months from approval.disclaimer

 

Apply now View rates & fees

It only takes around 5 minutes to apply.

T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $80).

   

ANZ Rewards

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

 

Earn Reward Points on your everyday purchasesdisclaimer

Variety in rewards options including gift cards, merchandise and cashbackdisclaimer

Flexibility to change reward choices any time

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.

 

It’s richly rewarding

 

Earn Reward Points

ANZ Rewards Visa card

1 Reward Point per $1 spent on eligible purchases up to and including $1,000 per statement perioddisclaimer

0.5 Reward Points per $1 spent on eligible purchases above $1,000 per statement perioddisclaimer

 

Choose from hundreds of different ANZ Rewards

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

 

Redeem your ANZ Reward Points for Gift Cards

Find the perfect way to spend your ANZ Reward Points. You could redeem your ANZ Reward Points on Gift Cards from a wide range of retailers like Myer, Bunnings, Woolworths, Westfield, Caltex, and many more.

Earn Rewards Points on eligible purchases

Enjoy the convenience of 36 million locations around the world when using your ANZ Rewards Visa card.

 

Redeem ANZ Reward Points for Frequent Flyer Points and Airmiles

Redeem your ANZ Reward Points for Velocity Frequent Flyer Points, Air New Zealand Airpoints Dollars, Singapore Airlines KrisFlyer miles or Asia Miles.disclaimer

 

Get ANZ Cashback for your ANZ Reward Points

You've earned the points, now enjoy the rewards. Help reduce the balance of your Rewards card, or credit another ANZ account when you redeem ANZ Reward Points for ANZ Cashback.disclaimer

More reasons to choose ANZ Rewards

Easy ways to bank

Make the everyday a little bit easier and do your banking on the go with the ANZ App. Plus, use your compatible smartphone or wearable device to tap and pay with an eligible ANZ carddisclaimer so you can continue to get the same great benefits and security. You can also use our Smart ATMs, ANZ Internet Banking and ANZ Phone Banking, or set up direct debit with CardPay Direct.

Get exclusive entertainment and lifestyle offers

 

Shop with extra security and confidence

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

Rates and fees

Rates and fees

The important numbersdisclaimer

 

ANZ Rewards Visa

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

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

Interest rate on standard balance transfers

disclaimer

Total annual fee

$80disclaimer

Interest free days on purchases

Up to 55 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, and 
  • Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa 
  • Have a good credit rating. Find out more about Credit Reporting
  • Ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Rewards Black, ANZ Rewards Platinum or an ANZ Rewards credit card in the last 12 months and meet all other offer eligibility criteria

Details to have handy

  • Australian driver’s licence number (if you have one)
  • Details of your income, expenses, assets and liabilities
  • Two recent pay slips for income verification
  • If you’re self-employed, you’ll need your accountant’s phone number
  • Details of your living expenses, such as regular bills
  • ANZ account number or Customer Registration Number (if you have one)
  • Your email address

How to apply

How to apply

Ready to be rewarded?

Apply now

It only takes around 5 minutes to apply.

Other ways to apply:  Visit any ANZ Branch or Call 13 33 33 Mon to Fri, 8am to 8pm.

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.

Not sure which credit card is right for you?

Important information

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

™ 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.

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.

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.

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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.

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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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Minimum Redemption thresholds apply. To redeem ANZ Reward Points for frequent flyer points, airpoints or airmiles, you must be a member of the relevant program and an ANZ Rewards Account Holder. Refer to the relevant program terms and conditions for details: Velocity Member Terms and Conditions, KrisFlyer Terms and Conditions, Airpoints Terms and Conditions and Asia Miles. ANZ Reward Points are subject to ANZ Rewards – Rewards Program Terms and Conditions (PDF 87kB).

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When you redeem your ANZ 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. Minimum Redemption thresholds apply.

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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.

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

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For details about all applicable fees & charges please refer to your Letter of Offer, ANZ Credit Cards Conditions of Use, ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.

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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 $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.

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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.

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