*Eligibility criteria, T&Cs, fees & charges apply.
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply.
Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and Product Disclosure Statement, which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.
You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.
Annual package fee currently $395 and subject to change. Eligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. See for details. ANZ Breakfree package benefits only apply while you maintain the package and meet ongoing eligibility criteria. Terms and conditions and fees and charges apply to products and services taken out in connection with an ANZ Breakfree package.Back to top
Interest rate discounts apply to eligible loan accounts linked to the Breakfree package which meet minimum lending requirements (total mortgage lending must be at least $150,000).Back to top
Fees are waived on eligible loan accounts linked to the Breakfree package where those fees become due on or after those loans become part of your Breakfree package. Other fees and charges may apply in relation to your nominated loan accounts, including in respect of a renegotiation. Please refer to the ANZ Personal Banking General Fees & charges booklet (PDF 156kB).Back to top
The Annual Account Fee is waived on one eligible ANZ credit card account held under an ANZ Breakfree Package. The waiver only applies while the account is held under the package. A Rewards Program Services Fee of $55 per cardholder may apply to ANZ Rewards and ANZ Frequent Flyer accounts.Back to top
ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). ANZ Mortgage Protection Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and QBE. This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. ANZ recommends that you read ANZ Financial Services Guide (PDF 520kB) and the relevant ANZ Home insurance Product Disclosure Statement and Policy (PDF 936kB), ANZ Landlord Insurance Product Disclosure Statement and Policy (PDF 736kB), ANZ Car Insurance Product Disclosure Statement and Policy (PDF 656kB) and ANZ Mortgage Protection Insurance Product Disclosure Statement and Policy (PDF 307kB), available by calling 13 16 14 or visiting anz.com before deciding whether to acquire, or to continue to hold, any of these products. To be entitled to a discount on your insurance you must notify the issuers of these products at the time of application that you are an ANZ Breakfree Package customer. Please note for ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year’s premium. Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree Package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you. These discounts are not available in conjunction with any other discount offer made by issuers of these products or ANZ.Back to top
The discount applies upon you notifying your ANZ Financial Planner that you are an ANZ Breakfree Package customer. ANZ Financial Planning will provide one discount per ANZ Breakfree Package of up to $550 (inclusive of GST) off the One-Off Adviser Service Fee (ASF). Where the ASF is less than $550 (inclusive of GST), the discount will equal this lesser amount. This Offer may not be used in conjunction with other ANZ Financial Planning offers. ANZ Financial Planners are representatives of Australia and New Zealand Banking Group Limited ABN 11 005 357 522, the holder of an Australian Financial Services Licence.Back to top
Terms and Conditions, fees and charges apply. Refer to ANZ Personal Account Fees and Charges booklet (PDF 139kB).Back to top
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.Back to top
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 top
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.Back to top