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Travel Adventures with your ANZ credit card

There are a number of reasons why credit cards are popular for travel adventures. From complimentary insurances for some cards to anti-fraud protection and more, we explore the benefits of packing your credit card next time you leave home.disclaimer

Pay off your holiday at your own pace with an ANZ Instalment Plan

ANZ Instalment Plans can be a handy way to repay your credit card purchases. Put your flights, hotel bookings and more on your credit card and apply for Instalment Plans to get 0% p.a. interestdisclaimer on your repayments over 3, 6 or 12 months.disclaimer

Approval, eligibility criteria and T&Cs apply. Setup Fee applies.

At your service! A personal concierge 24/7

You could enjoy the assistance of a personal concierge to help you with restaurant or hotel bookings, gift ideas, travel recommendations and much more.disclaimer

Available on ANZ Black and Platinum cards only.

 

Complimentary insurances

You may be eligible for some complimentary travel or shopping insurance with your ANZ credit card, including International and Domestic Travel Insurance, Rental Vehicle Excess in Australia, Extended Warranty Insurance and Purchase Protection Insurance.disclaimer Learn more

Terms, conditions, exclusions, limits, applicable sub-limits and eligibility criteria apply. Available on ANZ Black and Platinum cards only.

24/7 anti-fraud protection

All of our credit cards come with 24/7 anti-fraud protection with ANZ Falcon security. If we identify any unusual transactions, we’ll contact you to help protect your money.

Frequent flyer points programs

ANZ Reward Points

With an ANZ Rewards Black or Platinum credit card, you can redeem your ANZ Reward Points for frequent flyer pointsdisclaimer through these airline partner programs:

   

Qantas Points

You don’t have to convert your points with ANZ Frequent Flyer Black or Platinum cards. It’s all done for you. Qantas Pointsdisclaimerare automatically credited to your existing Qantas Frequent Flyer account every month. disclaimer

See our Rewards and Frequent Flyer cards

ANZ Rewards Platinum

  • Uncapped ANZ Reward Points earn ratedisclaimer 
  • $6,000 Minimum credit limit
  • $149 current annual feedisclaimer

ANZ Rewards offer

Earn 80,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum card when you spend $2,000 on eligible purchases in the first 3 monthsdisclaimer from approval.disclaimer

New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).disclaimer

See ANZ Rewards Platinum

ANZ Rewards Black

  • Highest ANZ Reward Points earn ratedisclaimer
  • $15,000 Minimum credit limit
  • $375 current annual feedisclaimer

ANZ rewards offer

Earn 180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black card when you spend $3,000 on eligible purchases in the first 3 months from approval.disclaimer

New Rewards card. T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $375).disclaimer

See ANZ Rewards Black

ANZ Frequent Flyer Black

  • ANZ's highest Qantas Points earn ratedisclaimer;
  • $15,000 Minimum credit limit
  • $425 current annual feedisclaimer

Qantas points offer

Earn up to 130,000 bonus Qantas Points! Get 100,000 bonus Qantas Points and $250 back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 30,000 bonus Qantas Points when you keep your card for over 12 months.disclaimer

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425).disclaimer

See ANZ Frequent Flyer Black

ANZ Frequent Flyer Platinum

  • Uncapped Qantas Points earn ratedisclaimer
  • $6,000 Minimum credit limit
  • $295 current annual feedisclaimer

Qantas points offer

Earn 75,000 bonus Qantas Points and $100 back to your new ANZ Frequent Flyer Platinum card when you spend $2,500 on eligible purchases in the first 3 months from approval.disclaimer

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295).disclaimer

ANZ Frequent Flyer Platinum

Decisions? Decisions? Need help choosing a credit card?

Explore our range and compare features, trade-offs and fees to help you choose the card that suits you best.

Visit credit card finder

Your questions answered

General

Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only.  

To request a change of credit card, choose one of the following options.  

Online:

Log on to ANZ Internet Banking and select your credit card account  

Over the phone:

Call 13 22 73 between 7am-11pm (AEST) 7 days a week.

Call +61 3 9683 9999 from overseas.

  

Our Frequent Flyer credit cards are for Qantas Frequent Flyer points earning only. Velocity Frequent Flyer members may like to check out our Rewards credit cards, which allow you to redeem your ANZ Rewards Points with our other airline partners, including Velocity Frequent Flyer.disclaimer

  

ANZ Rewards Points

You can check and redeem your ANZ Reward Points by logging in to the ANZ Rewards website.

ANZ Reward Points must be used to claim a reward within 36 months of 31 December of the year in which the Reward Points were added to a points record. Reward Points that remain unused after that period will be cancelled. In the event your ANZ Rewards account is closed, any Reward Points that remain unused must be used within 90 days of the date of closure. Reward Points that remain unused after that period will be cancelled.

Please refer to the ANZ Rewards – Rewards Program Terms and Conditions (PDF) for further conditions. We may also cancel Reward Points at our sole discretion if you die, if your card account is suspended, if you breach or any additional cardholder breaches the ANZ Rewards Terms and Conditions or the ANZ Credit Cards Conditions of Use or if we reasonably suspect you are operating your card account fraudulently.

Qantas Points

Yes, you can apply for this card. You’ll also receive complimentary Qantas Frequent Flyer membership if your application for an ANZ Frequent Flyer credit card is approved.disclaimer

   

Your Qantas Points are automatically credited to your Qantas Frequent Flyer account every month. To find out how to use your Qantas Points and when they expire, visit the Qantas website.

   

You can redeem your Qantas Frequent Flyer points online at the Qantas website. Points may be spent on flights, hotels, shopping and more.

  

You can check your Qantas Frequent Flyer balance by logging into your Frequent Flyer account at the Qantas website.

  

Credit scores

The credit reporting bodies will provide you with one free credit report per year. Additional reports can be requested at a cost.

To obtain your credit report you’ll need to contact one or a combination of the credit reporting bodies.

Visit the Credit Smart website for more information

  

There is no quick fix, improving your credit score will take time. Getting on top of your repayments and ensuring they are made on time is a good place to start. For more tips on how to improve your score, visit the Credit Smart website.

  

ANZ Instalment Plans

ANZ Instalment Plans are a tool that eligible ANZ credit card customers can apply for in the ANZ App.

They can be used to pay off a selected Amount on an eligible ANZ Credit Carddisclaimer via monthly Instalments.disclaimer You can pay bit by bit.

If you are eligible to apply for a Plan you will see the option “Instalment Plan” in the “Manage” section of your credit card in the ANZ App.

From there, the steps to apply for a Plan are simple:disclaimer

  1. First click on the “ANZ Instalment Plans” link in the ‘Manage’ section of your credit card in the ANZ App.
  2. Choose the Amount you’d like to apply to pay off in Instalments.
  3. Choose the number of Instalments.
  4. Review the details of the Plan and submit your application. 
  5. If approved, once set up your Plan Instalments will form part of your Minimum Monthly Payments. 
  6. You can cancel your Plan at any time. Easy as.

While we’d love to make this promotion available for all customers, not everyone meets eligibility criteria all the time. If you can’t see Instalment Plans in the app this may either be because your account currently doesn’t meet the applicable eligibility criteria to apply for a Plan or because you may not be on the latest version of the ANZ App.

It can be possible to have more than one ANZ Instalment Plan on an account at a time.  A separate Plan is created for each Amount that is successfully enrolled in an ANZ Instalment Plan.

You can find information about the rates, fees, and charges that would relate to a particular Plan (if approved) on the “Confirm details” screen in the app. Once a Plan is active you’ll also be sent a confirmation with details and can refer to your statements of account.

Connect with our specialists

Call us

Our team are available Monday to Friday from 8am to 8pm (AEST).

Call 13 22 73

Locate us

Find your nearest ATM or branch.

Book an appointment

Find a location or specialist

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 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 (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Purchases made overseas with an ANZ credit card may incur an overseas transaction fee. You may also have to pay a cash advance fee and an ATM operator fee if you use an overseas ATM. Other fees may also be applicable. For full details, please refer to the ANZ Personal Banking Account Fees and Charges (PDF) booklet and ANZ Credit Cards Condition of Use (PDF) booklet, available online and in ANZ branches in Australia.

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A Plan interest rate is a discounted purchase interest rate that applies to an ANZ Instalment Plan balance if and while it’s enrolled in a Plan. For more information, see the ANZ Instalment Plan T&Cs (PDF).

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T&Cs and eligibility criteria apply. Fees and charges may apply.

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The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders.

ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice.

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Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

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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).

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Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). 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.

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ANZ Reward Points are earned and redeemed in the ANZ Rewards store in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF).

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For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee.  For Additional Cardholders on 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 today's date and are subject to change. The fee information displayed on this page applies to new customers only.

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Offer available to new and approved applicants who apply for an ANZ Rewards Black Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). The $150 will generally be credited to your credit card account within three months of meeting the spend criteria. The $150 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. ANZ Rewards Points will generally be credited to your ANZ Rewards Account within 3 months of meeting the spend criteria. ANZ Rewards Points will not be credited and you will not be eligible for the $150 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit card in the last 12 months.

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Offer available to new and approved applicants who apply for an ANZ Rewards Platinum credit card. 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 Travel Adventures or ANZ Rewards Black credit card, or have closed, or qualified for extra Reward Points or a credit back on any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. If approved, you must activate the card and make $2,000 worth of eligible purchases within 3 months of approval to receive the 80,000 Rewards Points to your ANZ Rewards account and the $50 back to your credit card account. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your account but excludes specific purchases as set out in the ANZ Credit Cards Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers [premiums paid for ANZ credit card insurance], transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The extra 80,000 Reward Points will be credited to your ANZ Rewards account and the $50 credited to your credit card account within three months of the eligible spend criteria being met. The $50 credit will be applied to the Purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ Rewards Platinum Credit Card Account before the extra Reward Points or the $50 credit are processed to your account, you may become ineligible for this offer. ANZ may refuse to fulfill this offer if you are in default under the terms of your credit card contract. If your account is cancelled or suspended, you forfeit your right to redeem the extra Reward Points or the $50 credit under this offer.

There may be 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. An Annual Fee of $149 applies. This fee is current as at  and is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF).

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The date of approval of an application is the disclosure date specified in your Letter of Offer.

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For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, 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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Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). The 100,000 bonus Qantas Points and $250 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $250 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 30,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. The 130,000 bonus Qantas Points will not be credited and you will not be eligible for $250 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF) prior to the bonus Qantas Points or $250 being credited to your ANZ Credit Card Account. You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

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Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum Credit Card and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). The 75,000 bonus Qantas Points and $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 75,000 bonus Qantas Points will not be credited and you will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

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This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the Qantas website. This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Current joining fee $99.50 as at 7 April, 2022, subject to change.

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Not all ANZ credit card accounts are eligible to apply to enrol an Amount in an ANZ Instalment Plan.  If you are eligible to apply for a Plan you will see the option “ANZ Instalment Plans” in the “Manage” section of your credit card in the ANZ App. 

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T&Cs apply. You can learn more about the ANZ Instalment Plan T&Cs (PDF) here.

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