ANZ Rewards

Two cards. One account. Earn Reward Points for everyday purchases1.

ANZ Rewards

Apply now 60 second response

Current offer

25,000 Reward Points when you spend $2,500 on purchases in the first 3 months and no annual fee for the first year.2

You pay, you get

Rates and fees

 

$89 Total Annual Account Fee9

loading product data(View current rates) interest rate on purchases3

loading product data(View current rates) interest rate on cash advances3

$1,000 minimum credit limit

Rewards and benefits

Feature 1
Earn 2 Reward Points for every $1 spent on eligible purchases with your ANZ Rewards American Express card1
Feature 1
Earn 1.5 Reward Points for every $1 spent on eligible purchases with your ANZ Rewards Visa card1
Feature 1
Redeem for flights, gift cards and cashback4
Feature 1
Up to 44 interest-free days5 on purchases

Shop with extra security and confidence

ANZ Falcon
  • With ANZ Falcon™ you get advanced, around-the-clock monitoring for suspicious transactions
  • You won't be liable for fraudulent transactions on your ANZ credit card account6 with ANZ’s Fraud Money Back Guarantee
  • Worldwide emergency credit card replacement

Lifestyle and entertainment benefits

Lifestyle and entertainment benefits
  • Complimentary membership to Visa Entertainment, offering access to ticket pre-sales, movie screenings, and special offers
  • Complimentary access to American Express Selects™ for special offers and benefits which you can tailor to your lifestyle and interests
  • Complimentary Personal Concierge7 at your service 24 hours a day to manage anything from restaurant and taxi bookings through to party planning
  • Access to over 2000 special dining and hotel offers with eDine®

Convenient ways to bank

Use our app to bank on your iPhone or Android. Anytime. Anywhere.8
For payments under $100, simply tap and go with your card. No need to sign or enter a PIN.
Manage you credit card online, 24/7.

Shop for rewards

ANZ Rewards
Claim your rewards, check offers and balances
Access to the ANZ Rewards website enabling you to shop for rewards online including flights, gift cards, vouchers, merchandise and cashback4 to an ANZ account.

Additional card holders

Additional card holders
Add up to three additional ANZ Rewards cardholders2 whose purchases can also earn ANZ Reward Points1 that are credited to the account holder.

How to apply

It will take about 5 minutes to complete the online application and you'll receive a response in 60 seconds!

Call ANZ direct
Call 13 33 33, Monday to Friday, 8am to 8pm (AEST/AEDT)

You don’t need to be an ANZ customer to apply. Once approved, you may expect to receive your credit card within five business days.

Eligibility
  • You are over 18 years of age
  • You have a good credit rating
  • You are a permanent Australian resident, earning a minimum annual income of $15,000 if applying for an ANZ credit card account (minimum $50,000 for a Platinum credit card and $75,000 for a Black credit card) or $50,000 in Australian Authorised Deposit-taking Institution (ADI) accounts
  • You are a non-Australian permanent resident with more than 9 months remaining on your Visa, earning a minimum income annual income of $15,000 if applying for an ANZ credit card account (minimum $50,000 for a Platinum credit card and $75,000 for a Black credit card) or $50,000 in Australian Authorised Deposit-taking Institution (ADI) accounts

Considering ANZ Rewards Platinum?

ANZ Rewards Platinum

Upgrade to ANZ Rewards Platinum for an extra $60 p.a.9 and earn up to 3 Reward Points per $1 spent on eligible purchases1 plus platinum benefits including overseas travel and purchase protection insurance.10

Apply now

Important Information

Terms and conditions are available on application. Fees and charges apply. All applications for credit are subject to ANZ's credit assessment criteria.

View ANZ terms, conditions, fees and charges

1. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions (PDF 948kB) (please call 13 13 14 for a copy). Purchases exclude cash, cash equivalent transactions and premiums paid for ANZ Credit Card Insurance. 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.

2. 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 or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer.  Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases (excluding fees, cash, cash equivalent transactions, balance transfers and premiums for ANZ credit card insurance) within three months of approval to receive the bonus Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. 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.  The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at loading product data(View current rates) 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. 

3. Standard annual percentage interest rate is loading product data(View current rates) on purchases and loading product data(View current rates) on cash advances as at loading product data(View current rates) and is subject to change.

4. When you redeem your Reward Points for an ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards account within 5 business days.

5. Interest free  periods on the purchases do not apply if you do not pay your Closing Balance (or, if applicable, your '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.

6. Provided you do not contribute to the loss and have notified ANZ within a reasonable period of time of any suspected fraud or misuse of the card.

7. Terms and conditions apply. Please refer to the ANZ Emergency Travel Service & Personal Concierge Terms and Conditions (PDF 92kB) for further information

8. ANZ goMoney™ for Android™ is only available in Google Play™. ANZ goMoney™ for iPhone is only available from the App Store. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. Temporary service disruptions may occur.

9. After the first year for ANZ Rewards, a Total Annual Fee of $89 applies which includes a $34 Annual Account Fee and a $55 Rewards Program Services Fee.  After the first year, for additional cardholders on ANZ Rewards an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at Monday, 27 October 2014 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.

10. The Overseas travel and medical insurance master policy, the Transport accident cover master policy and Rental excess cover master policy (the Master Policies) are issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - insurances booklet (PDF 356kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof of that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

American Express is a registered trademark of American Express. This card is issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express.

™ 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.

® ANZ Holiday Rewards is a registered trademark of Australia and New Zealand Banking Group Limited, ABN 11 005 357 522. ANZ Holiday Rewards is provided by Pinpoint Travel Group Pty Ltd, Lic. No. 2TA002974.

® eDine is a registered trademark of Australia and New Zealand Banking Group Limited

 

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