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Rewards credit cards

Using your Rewards Travel Adventures card

Enjoy a world of adventure in your own backyard with a complimentary Virgin Australia return domestic flightdisclaimereach year until the card is cancelled, and two complimentary single entry Virgin Australia lounge passes.disclaimer

 

Using your ANZ Rewards card

Get something back when you make purchases on your ANZ Rewards credit card. When you earn Reward Points on your everyday purchasesdisclaimer you'll be able to redeem points on a wide range of rewards, including gift cards, merchandise and cashbackdisclaimer. There’s no cap to the number of Reward Pointsdisclaimer you can earn.

 

Using your ANZ Rewards Platinum card

Get ready to be rewarded when you use your ANZ Rewards Platinum card on eligible purchases. And spend with confidence knowing you may be covered with our range of complimentary insurances.

 

Using your ANZ Rewards Black card

Enjoy our highest Reward Pointsdisclaimer earning potential, the flexibility to redeem for a variety of rewards, entry to participating airport lounges outside Australiadisclaimer and access to exclusive events and experiences. And you could be eligible for a range of complimentary insurances.

  

Low annual fee credit cards

Using your ANZ First card

Not only does your ANZ First credit card give you a low annual fee, it also offers you complimentary insurances to give you extra security and confidence when you shopdisclaimer, plus the added peace of mind of ANZ Falcon™ to monitor suspicious transactions.

 

Using your ANZ Platinum card

Get ready for Platinum privileges and a low annual account feedisclaimer.

 

Low Rate credit cards

Using your ANZ Low Rate card

Enjoy our lowest interest rate on purchases and shop with confidence with our extra security features.disclaimer

 

Using your ANZ Low Rate Platinum card

Enjoy a low interest rate on purchases and a range of complimentary insurances with your ANZ Low Rate Platinum card.

 

ANZ Frequent Flyer credit cards

Using your ANZ Frequent Flyer card

Earn Qantas Pointsdisclaimer on everyday purchases with your ANZ Frequent Flyer card and enjoy complimentary Qantas Frequent Flyer membership - a saving of $89.50 - for your first yeardisclaimer.

 

Using your ANZ Frequent Flyer Platinum card

The more you buy, the more you could fly. Earn Qantas Pointsdisclaimer on everyday eligible purchases with your ANZ Frequent Flyer Platinum card and enjoy complimentary Qantas Frequent Flyer membership, a saving of $89.50disclaimer.

 

Using your ANZ Frequent Flyer Black card

Get ready for your most rewarding Qantas Points experience with our highest uncapped points earning potential, two Qantas Club lounge invitations per yeardisclaimer, and a range of complimentary insurances. And save up to $475 in your first year if you purchase a Qantas Club membership with your ANZ Frequent Flyer Black carddisclaimer

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. 

Offer available to ANZ Rewards Travel Adventures account holders who have made $500 of net eligible purchases within three months of approval. One complimentary flight is available to the accountholder each year until the card is cancelled. Complimentary flights are restricted to selected economy fare class on flights operated by Virgin Australia to selected domestic destinations. Bookings are subject to availability and some flights may not have complimentary seats available. Flights must be booked at least 60 days in advance. Not to be combined with any other offer, discount or cabin class upgrades. Fees may apply for excess baggage, booking changes and cancellations. The complimentary flight is not eligible for Velocity Points and/or Status Credits earn. The Air Travel Benefit Terms (PDF 56kB) and the Virgin Australia Terms and Conditions of Carriage apply. Eligible purchases are described in the Air Travel Benefit Terms - for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases.

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Offer available to ANZ Rewards Travel Adventures accountholders who have made $500 of net eligible purchases within three months of approval. The accountholder is entitled to two single entry lounge passes each year until the card is cancelled.  Lounge passes provide access to the Virgin Australia domestic Lounge when travelling on a Virgin Australia domestic flight. Lounge Passes cannot be used in international lounges, partner airlines or associated lounges. Lounge Passes expire 12 months after request. Please allow 4 weeks for delivery of passes. Lounge entry is subject to space availability and is permitted a maximum of 2 hours before the flight. Damaged lounge passes will not be accepted. Lounge passes are non-refundable and must not be offered for re-sale. Access to the lounge is subject to the Virgin Australia Lounge Terms and Conditions and Lounge Rules. This offer is subject to the Air Travel Benefit Terms (PDF 56 KB). Eligible purchases are described in the Air Travel Benefit Terms - for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your eligible purchases. 

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 113kB). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 113kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. 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, ANZ Rewards Travel Adventures or ANZ Rewards Black account within 5 business days.

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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 can be found on velocelounges.com and 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 refer to the Complimentary Airport Lounge Access Program Terms and Conditions (pdf 63kb).

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Extended Warranty Insurance and 90-day Purchase Security Insurance 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  ANZ Credit Cards Insurance Features Brochure (108kB).

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The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the first year. In each subsequent year, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. Eligible Purchases must be made in the year prior to your next Fee Date. Your Fee Date is the date that your account is assessed for charging an Annual Fee. If your account has not previously been charged an Annual Fee then for the purpose of determining your eligibility for the waiver, your Fee Date is the first date that your account is assessed for charging an Annual Fee. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of Eligible Purchases in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change. 

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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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Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB) and ANZ Frequent Flyer Black Reward Terms and Conditions (PDF 1.67MB). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.87MB) and ANZ Frequent Flyer Black Reward Terms and Conditions (PDF 1.67MB)  for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points. 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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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.

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Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765. Qantas Club Lounge invitations will be sent to the account holder’s current mailing address within 4 weeks of request, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use (PDF 336 kB) and the account remains open. It is the account holder’s responsibility to ensure that ANZ has their current mailing address. Neither ANZ nor Qantas accept responsibility for any delay in delivery of invitations. Lost or stolen invitations will not be replaced. Damaged invitations may not be accepted. Qantas Club Lounge invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas operated international Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way. Invitations are valid for 12 months from date of request and will expire on the date printed on the invitations. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. Access may not be available if the applicable lounge is full or near capacity. Access and use of Qantas Club lounges is subject to Qantas Club rules which are available at qantas.com/qantasclub.

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Offers are only available to ANZ Frequent Flyer Black cardholders who are Australian residents and who purchase Qantas Club membership using their ANZ Frequent Flyer Black card. Offers are non-transferable and are not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. $475 saving in the first year is based upon a joining fee waiver and a discount to the standard one-year individual membership rate. The joining fee waiver is for a new one year individual Qantas Club membership purchased using an ANZ Frequent Flyer Black card by contacting the Qantas Frequent Flyer Service Centre on 13 11 31. Quoted joining fee savings are based on the joining fee for an individual Qantas Club membership application by an Australian resident. Different rates may be available for those with access to the Qantas Club Corporate scheme. The membership fee offer is for a one year individual Qantas Club membership which is purchased or renewed using an ANZ Frequent Flyer Black card by contacting the Qantas Service Centre. Quoted membership fee savings are based on the difference between the published corporate membership rate and the fee applicable to an individual Qantas Club membership held by an Australian resident. Only one joining fee waiver, and one membership fee discount per year, are available per cardholder. Qantas Club membership is subject to approval by Qantas and to the terms and conditions of The Qantas Club, available at qantas.com/qantasclub.

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