ANZ Rewards Credit Card
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
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
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
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
email me
p.a.
p.a.
annual fees
| Minimum Credit Limit | $6,000 |
|---|---|
| Other Requirements | Yes 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 Payments | Yes Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay |
| Card Type | Visa |
| 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 Program | ANZ 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 Age | 18 years of age or over |
|---|---|
| Joint Application | No |
| Temporary Resident Application | Yes, 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 Fee | 2% 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 Fee | 2% 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 Service | Yes |
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.
