25,000 bonus Reward Points
When you spend $1,500 on eligible purchases in the first 3 months from approval.disclaimer
It only takes around 5 minutes to apply.
ANZ Rewards
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
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
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 travel options, 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.
Earn Rewards Points on eligible purchases
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
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 (PDF 64kB).
Get exclusive entertainment and lifestyle offers
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 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
ANZ Rewards Visa | 1 Reward Pointdisclaimer 0.5 Reward Pointsdisclaimer |
|---|---|
Interest rate on purchases | |
Interest rate on cash advances | |
Interest rate on standard balance transfers |
Total annual fee |
$80disclaimer |
|---|---|
Interest free days on purchases |
Up to 44 daysdisclaimer |
Minimum credit limit |
$1,000 |
Additional cardholders |
Up to 3 |
To apply for an ANZ Rewards credit card, you need to:
- Be 18 years of age or over
- Have a good credit rating. Find out more about Credit Reporting
- 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
- 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
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.
Looking for more choices?
Be rewarded for your everyday purchasesdisclaimer and access a flexible Rewards program with complimentary insurances and Personal Concierge
75,000 bonus Reward Points when you spend $5,000 on eligible purchases in the first 3 months from approval.disclaimer
Earn Qantas Pointsdisclaimer on your everyday purchases
25,000 bonus Qantas Points when you spend $1,500 on eligible purchases in the first 3 months from approval.disclaimer
Not sure which credit card is right for you?
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. Not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card, or have closed, or qualified for bonus Rewards Points or a credit back 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 $1,500 worth of eligible purchases within 3 months of approval to receive the 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 468kB), for example fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points. The bonus Rewards Points will be credited to your Rewards 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 Rewards Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Rewards 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.
Back to topReward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB) (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 (PDF 87kB), e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points.
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.
Back to topMobile 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.
Back to topProvided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.
Back to topFor all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).
Back to topStandard annual percentage interest rate is on purchases, on cash advances and on standard balance transfers as at and is subject to change.
Back to topFor 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.
Back to topInterest 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).
Back to topOffer 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. Not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card, or have closed, or qualified for bonus Rewards Points or a credit back 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 $5,000 worth of eligible purchases within 3 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 468kB), for example fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points. The bonus Reward 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 Rewards Platinum credit card account the bonus Rewards Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Rewards 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.
Back to topQantas 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 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 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 $1,500 worth of eligible purchases within three months of approval to receive the 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 (PDF 1.67MB), for example fees, cash, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The 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 the 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.
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