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ANZ Rewards
$ 8000
12
$ 15000
$
%
$ 15000
$
%

ANZ Rewards Credit Card

ANZ Rewards

Be rewarded for your everyday purchases and have the flexiblity to redeem points for rewards ranging from gift cards to cashback and travel. Earn 50,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $80).

ANZ Rewards Points Forecast

Balance Transfer Savings

0% Purchase Savings

View Offer


104,000

Total points is the estimated number of bonus points earned plus points per dollar earned during the forecast period, based on your inputs above and the promotional offer of the card. Some cards may have points capping and spend requirements, which are factored into our calculations.

It is assumed that the monthly spend is applicable for each month of the forecast period, and that it does not include any excluded or reduced earning transaction categories, e.g. cash advances, government or international purchases.

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

estimated points earned

You could save

$0

Savings is an estimate of the amount saved on interest charges and annual fees, as a result of transferring an eligible balance to the 0% balance transfer card for the interest-free period.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as applicable balance transfer and annual fees, along with the following assumptions:
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

in months

You could save

$0

Savings is an estimate of the amount saved on interest charges and annual fees during the interest-free period, as a result of making a purchase on a 0% purchase card, rather than on your existing card.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions:
• The purchase amount is incurred in the first month
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

in months

ANZ Rewards
Program
50,000
Bonus Points
When you spend $1,000 on eligible purchases in the first 3 months from approval.
$80

p.a.
Annual Fee
Includes a $25 Annual Account Fee and a $55 Rewards Program Service Fee.
1
Points per $
Earn 1 Reward Points per $1 spent on eligible purchases up to and including $1,000 per statement period then 0.5 Reward Points per $1 spent on eligible purchases above $1,000 per statement period
p.a.
% p.a.
Purchase Rate
$

p.a.
Annual Fee
% p.a.
Purchase Rate
$
p.a.
Annual Fee
$

annual fees
Total Fees
Total Fees is a calculation based on the total annual fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation considers annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

ANZ Rewards Credit Card Review

Reviewed on 19 October 2020 by Maja – credit card expert & co-founder of Compare the Card

With 50,000 bonus Reward Points when you spend $1,000 on eligible purchases within the first 3 months from card approval, the ANZ Rewards is a great way to earn more ANZ Reward Points on your everyday spend. It also comes with a generous 55-day interest free period on purchases.

What do we love about this card?

You can earn 1 Reward Point per $1 spent on eligible purchases up to and including $1,000 per statement period, then 0.5 Reward Points per $1 of eligible purchases above $2,000. With ANZ Rewards, you have a great range of redemption options to choose from, including entertainment, gift cards, shopping vouchers, merchandise and much more.

ANZ Rewards cardholders can also earn additional bonus points when shopping online via the ANZ Bonus Points Mall, with some retailers offering over 10 Bonus Reward Points per dollar spent. You just need to remember to click via the ANZ Bonus Points Mall link before you start shopping.

How much is 50,000 Reward Points worth?

An ANZ Reward Point is worth approximately 0.45 cents (based on the redemption of a $100 digital gift card at a retailer like Woolworths, Coles, David Jones or Myer), meaning you’ll need approximately 222 Reward Points for each dollar you want to redeem. You’ll generally find that gift cards are the best value redemptions for your Reward Points, and it’s usually worth hunting around for a sale at a retailer from which you can get a gift card, rather than buying it outright from the online store. Similarly, cashbacks tend to net you a lower dollar value per point and aren’t the best use of your points, though it may be a more convenient option for some people.

The 50,000 bonus Reward Points offer translates to around $225 worth of gift cards (based on the sample of retailers above), meaning the card is good value compared to its $80 p.a. annual fee.

What benefits does the card come with?

ANZ Rewards cardholders get exclusive entertainment and lifestyle offers, as well as a complimentary Personal Concierge service that can help you with restaurant or hotel bookings, gift ideas, travel recommendations and much more.

What could be better?

As the entry-level option in the ANZ Rewards lineup, the ANZ Rewards card has a lower earn rate and less competitive bonus points offer than the mid-tier ANZ Rewards Platinum card. While this can be expected as a tradeoff for the lower annual fee, it’s worth considering whether the ANZ Rewards Platinum may be a better value option.

Summary

If you’re looking for a basic bonus Reward Points credit card with a lower annual fee, the ANZ Rewards credit card is a great entry-level option. If you’re on the fence between this card and its big brother ANZ Rewards Platinum, it may worth considering whether the latter’s 100,000 bonus Reward Points, higher earn rate and complimentary insurances when shopping and travelling are better value for only a slightly higher annual fee.

Ready to apply?

You can apply for the ANZ Rewards credit card securely via the ANZ website. The application process only takes 5 minutes.

Pros
  • Up to 55 days interest free period
  • Low annual fee
Cons
  • No Purchase Insurance
  • Relatively high international transaction fee of 3%
  • Charges additional cardholder fee of $65
Minimum Credit Limit$6,000
Other RequirementsYes
Don't currently hold and haven't opened or closed an ANZ Rewards Black, ANZ Rewards Platinum or an ANZ Rewards credit card in the last 12 months
Mobile Cardless PaymentsYes
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Card TypeVisa
Balance Transfer Rate
The interest rate applied to the balance transfer amount for a set period of time
20.24% p.a.
Interest rate payable on the remaining balance of debt that has been transferred to this card
Cash Advance Rate
Interest rate incurred for a cash advance
20.24% p.a.
Interest Free Period
The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date.
Up to 55 days
Purchase Rate
The standard interest rate that applies to purchases on the card
20.24% p.a.
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$80
Includes a $25 Annual Account Fee and a $55 Rewards Program Service Fee.
Rewards ProgramANZ Rewards
Bonus Points
The promotional bonus points offered. A minimum spend requirement within a set time period may apply. For example, in order to earn 90,000 bonus points, you may need to spend at least $3,000 per month on eligible transactions during the first three months. Some transactions may be excluded or earn points at a reduced rate, e.g. cash advances, government or foreign transactions. Conditions apply. Refer to the bank's website for full T&Cs.
50,000
When you spend $1,000 on eligible purchases in the first 3 months from approval.
Rewards Earn Rate per $ spent
The number of rewards points earned for each eligible dollar spent on the card
1 points per $
Earn 1 Reward Points per $1 spent on eligible purchases up to and including $1,000 per statement period then 0.5 Reward Points per $1 spent on eligible purchases above $1,000 per statement period
Minimum Age18 years of age or over
Joint ApplicationNo
Temporary Resident ApplicationYes, conditions apply
Must have more than 9 months available on Visa
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$80
Includes a $25 Annual Account Fee and a $55 Rewards Program Service Fee.
Cash Advance Fee2% or $4, whichever is greater
Minimum Monthly Repayment
The minimum repayment that must be paid by the payment due date to avoid incurring late fees. Interest will still be charged on the remaining amount owing.
2% or $25, whichever is greater
Late Payment Fee
Fee incurred if the minimum repayment is not paid by the due date
$20
International Cash Advance Fee2% or $4, whichever is greater
International ATM Withdrawal Fee$5
International Transaction Fee
Fee incurred for transactions made in foreign currency
3% of transaction amount
Additional Cardholder Fee
Fee incurred for adding an additional cardholder to the account
$65
Maximum Additional Cardholders
Maximum number of additional cardholders
Up to 3
Travel Insurance
Terms, conditions, limits and exclusions may apply, check product site for details
No
Purchase Insurance
Terms, conditions, limits and exclusions may apply, check product site for details
No
Concierge ServiceYes

Like the sound of this card?

Apply now securely via the bank's website or email yourself a link to apply later.
go to offer
 email me

Your Top Questions Answered for the ANZ Rewards Card

How many Reward Points can I earn with the ANZ Rewards credit card?

The ANZ Rewards has uncapped Reward Points earning potential, which means the sky’s the limit when it comes to the number of points you can earn. It also has a great Reward Points earning potential of 1 Reward Points per dollar up to $1,000 each statement period (then 0.5 Reward Points per dollar above $1,000).

Thanks to the bonus offer, you can earn 50,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval.

How do I earn ANZ Reward Points with this card?

You can earn Reward Points by using your ANZ Rewards credit card to pay for eligible purchases. For a definition of purchases eligible to earn Reward Points, check the terms and conditions.

What are the eligibility criteria for this credit card and the bonus offer?

To apply for this credit card, you must be 18 years of age or over and a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa.

You will also need to ensure you meet all of the eligibility criteria of the offer, which includes meeting the spend requirement within the specified timeframe. You must also ensure that you don’t currently hold or haven’t opened or closed an ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards credit card in the past 12 months.

Does this card come with any extras?

While this card doesn’t come with any complimentary insurances, you can enjoy complimentary Personal Concierge service that can help you with restaurant or hotel bookings, gift ideas, travel recommendations and much more.

You can also earn additional bonus points when shopping online via the ANZ Bonus Points Mall.

What is the best way to redeem ANZ Reward Points?

You can generally get the most bang for your buck by redeeming your Reward Points for gift cards and vouchers, compared to redeeming them for merchandise in the rewards store.

Can I redeem ANZ Reward Points for frequent flyer points?

Yes! A great feature of the ANZ Rewards Program is that you can redeem your Reward Points for frequent flyer points and airmiles, including Velocity Frequent Flyer Points, Air New Zealand Airpoints Dollars, Singapore Airlines KrisFlyer miles or Asia Miles, which makes it very flexible frequent flyer points earning credit card. Note that Qantas is not a transfer partner.

How much is an ANZ Reward Point worth?

A Reward Point is worth approximately 0.45 cents (based on the redemption of a $100 digital gift card at a retailer like Woolworths, Coles, David Jones or Myer), meaning you’ll need approximately 222 Reward Points for each dollar you want to redeem.

If you want to use the Reward Points for a cashback onto you card, you’ll need 25,000 Reward Points to get $100 cashback. Compared to redeeming points for vouchers, this is a slightly less economical option, at a cost of 0.40 cents per point or 250 points per dollar.

Do ANZ Reward Points expire?

Your ANZ Reward Points do have an expiry date, so make sure to use them within 36 months of 31 December of the year in which the Reward Point was added to a Points Record. Reward Points that remain unused after they have expired will be cancelled.

Am I eligible for this offer if I’ve previously held this card or another ANZ credit card?

This offer is only available to those who don’t currently hold or haven’t opened or closed an ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards credit card in the past 12 months.

Can I use the card with Apple Pay or Google Pay?

Yes, you can use your ANZ card with the top mobile payment systems, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Can I apply for the ANZ Rewards on my mobile?

Yes, you can apply for the ANZ Rewards credit card securely via the ANZ website. The application is mobile-friendly and only takes 5 minutes.

Like the sound of this card?

Apply now securely via the bank's website or email yourself a link to apply later.
go to offer
 email me
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