At ANZ we know the things that excite you today may not be the same as they were 30 years ago. By sitting down for an A-Z Review® with one of our specialist bankers we can explore the range of benefits available to you based on your age and the accounts you hold with us. Learn more about ANZ 50+ Benefits below or request an A-Z Review® at your nearest ANZ branch. 

50+ Benefits

Offers only available in branch.

Term Deposits
  • Bonus interest on new or existing investments between $5,000 and $99,999 with interest payable at maturity (criteria apply)1.
  • For investments of $100,000 or more, talk to us about other interest rates that are available.
Everyday banking

ANZ Access Advantage:

Over 60? 

You could enjoy

  • $0 monthly account service fee on one nominated account (on application for a fee waiver at a branch for ANZ Access Advantage, normally $5 a month)2.

Under 60?

You may be eligible to apply for a waiver of the monthly account service fee on one nominated ANZ Access Advantage account2.

ANZ Access Advantage also features the following great benefits for all customers:

  • $0 monthly account service fee if you deposit at least $2,000 a month3, or if you meet our other eligibility criteria4 (normally $5 a month).
  • unlimited transactions – unlimited everyday ANZ transactions for $5 a month. The only time you’ll incur additional ANZ fees on your account is if you try to or do overdraw your account and/or transact overseas2.
  • cheque book available on request at no extra charge.

Home loans

ANZ Breakfree Package5

Receive interest rate discounts and fee waivers on eligible Home or Residential Investment loans for an annual package fee5

Find out more about ANZ Breakfree Packages.

Credit cards

ANZ Rewards and ANZ Rewards Platinum

20,000 Bonus Reward Points for new ANZ Rewards and ANZ Rewards Platinum accounts6 when you activate and make a purchase on the card within a month of approval (criteria apply).


ANZ Home Insurance7

You could enjoy

  • 10% discount on premiums for those over 50s, plus generous loyalty and multi-policy rebates8.
  • Up to $500 for a limb fracture in your home.
  • Vet expenses benefit, to $1,000.
  • Home modification benefit, to $20,000.
  • Funeral expenses benefit, to $20,000.

Important information 

The above offers are available for a limited time. ANZ reserves the right to vary or withdraw the offers at anytime. This material does not take into account your personal needs and financial circumstances and you should consider whether the product is appropriate for you. ANZ recommends you read the relevant Product Disclosure Statements and/or Terms and Conditions, which are available by calling 13 13 14 or at ANZ before deciding to acquire or hold the product. All applications for credit are subject to ANZ’s normal credit approval criteria. Please refer to relevant terms and conditions available upon request.

1. Minimum opening balance of $5,000 is required. The offer applies to personal customers only; customers with a commercial relationship manager are excluded. To be eligible, customer must be aged 50 years or over. Upon maturity bonus interest rates will be applied to existing investments upon customer application for that benefit. ANZ reserves the right to amend or withdraw bonus interest offer at any time without prior notice. Bonus rates are not available on all terms. Please note that an administration fee and interest rate reduction applies for early termination of an ANZ Term Deposit. Different interest rates apply to different investment amounts and terms. At the end of the investment term, if you have not told us what you want to do with your funds, we will reinvest them in the same type of ANZ Term Deposit. In this case, the interest rate applicable to your new ANZ Term Deposit may be lower or higher than the interest rate on your maturing ANZ Term Deposit. You can contact us at maturity of your ANZ Term Deposit to confirm interest rates that will apply upon reinvestment.

2. On application by you, the monthly account service fee may be waived on one nominated ANZ Access Advantage account if you:

3. Monthly account service fee waived for ANZ Access Advantage accounts opened on or after 30 November 2013 if you deposit $2,000 or more by the last business day of the calendar month.

4. Eligibility criteria apply. The monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges.

5. ANZ Breakfree Package fee applies. Other fees charges and eligibility criteria apply. Please see the ANZ Breakfree Terms and Conditions available on the Breakfree website or at any branch.

6. Bonus Reward Points offer applies only once per new ANZ Rewards or ANZ Rewards Platinum account. To be eligible, customer must be aged 50 years or over. Customers must activate their card and make a purchase on that card within one month of approval to receive the Bonus Reward Points. This offer is not available in conjunction with any other offers or promotions or when you transfer and close other ANZ credit card accounts. The Bonus Reward Points should be credited to the account holder within three months of card activation. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving applications. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards Program Terms and Conditions (please call 13 13 14 for a copy). Purchases exclude cash and cash equivalent transactions.

7. ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are jointly issued by OnePath General Insurance Pty Limited (ABN 56 072 892 365), a wholly owned subsidiary of ANZ, and QBE Insurance (Australia) Limited (ABN 78 003 191 035). 

8. To be eligible for rebates there are a number of terms and conditions that you must meet. The rebate applies to eligible policies which are ANZ Home Insurance Buildings cover, ANZ Home Insurance Contents cover, ANZ Car Insurance and is subject to the  terms and conditions set out in the PDS for each product.    

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 the ANZ Financial Services Guide and the ANZ Home Insurance PDS and Policy Document (also available by calling 13 16 14), before deciding whether to acquire, or to continue to hold, these products.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.