Be rewarded for your everyday purchases

ANZ Rewards

No annual fee for the first year & 50,000 Reward Points when you spend $3000 on purchases within the first 3 months.5

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Two ANZ Rewards credit cards. One account. Simply more rewarding
One shared account, one Total Annual Fee, one monthly account statement and one credit limit for both ANZ Rewards credit cards.

Redeem Reward Points1 for a wide selection of rewards
ANZ Rewards offers a range of rewards including travel options, entertainment, gift cards, shopping vouchers, merchandise and more.

You could automatically receive select rewards when you have accumulated sufficient Reward Points1. For example, you could choose to receive a shopping voucher or movie passes as soon as you have enough Reward Points for that reward.

With the addition of an ANZ Rewards American Express card, you could earn Reward Points faster than ever before on this account.

For more information and to explore hundreds of different reward options, visit the ANZ Rewards website.

Interest rate on purchases

Interest rate on cash advances

Interest free period on purchases4

Up to 44 days

Minimum credit limit

$1,000

Total Annual Fee6

$89

 

  • Earn Reward Points from everyday purchases1

Reward Points1

ANZ Rewards Earn rate Spend value on eligible purchases
ANZ Rewards
American Express card
2 Reward Points $1
ANZ Rewards Visa card 1.5 Reward Points $1
  • Choose from a wide range of everyday rewards:
    • shopping vouchers and gift cards
    • merchandise and gifts
    • frequent flyer points, travel and accommodation
    • entertainment.
  • Flexibility to add up to three additional ANZ Rewards cardholders to your account. Purchases by additional cardholders5 can also earn Reward Points1 that are credited to the account holder.
  • Reward Points1 can be earned on credit card purchases anywhere American Express or Visa cards are accepted around the world.
  • Exclusive offers with American Express Selects™ amexnetwork.com.au.
  • Visa entertainment providing you with access to special events, exclusive merchandise packages and home entertainment products visaentertainment.com.au.

 

  • Worldwide emergency credit card replacement for your ANZ Rewards cards.
  • As an ANZ Rewards account holder, you have access to a range of optional extra services including

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How to apply

Call ANZ direct
Call 13 33 33, Monday to Friday, 8am to 8pm (AEST/AEDT) Saturday & Sunday, 10am to 6pm (AEST)

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. If you require a Platinum credit card account or you are a non-permanent Australian resident, you must earn a minimum annual income of $50,000

Considering ANZ Rewards Platinum?

ANZ Rewards Platinum

Upgrade to ANZ Rewards Platinum for an extra $60 p.a.7 and earn up to 3 Reward Points per $1 spent on eligible purchases1 plus platinum benefits including overseas travel and purchase protection insurance.8

Apply now

View ANZ terms, conditions, fees and charges

Terms and conditions are available on application. Fees and charges apply.

1. Reward Points accrue in accordance with the ANZ Rewards – Rewards Program terms and conditions (PDF 76kB) (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. All applications for credit are subject to ANZ's credit assessment criteria.

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. Interest 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.

5. Offer available to new and approved applicants who apply for an ANZ Rewards credit card account by 30 June 2015. 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 customer.  Your application must be approved and you must activate the card and make $3,000 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 60 days 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 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 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.  ANZ reserves the right to withdraw this offer at any time.

6. 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 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 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.  

7. After the first year for ANZ Rewards Platinum, a Total Annual Fee of $149 applies, which includes a $94 Annual Account Fee and a $55 Rewards Program Service Fee. For additional cardholders on ANZ Rewards Platinum 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.

8. 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.

 

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