- Earn 1 Reward Point per $1 spent on eligible purchases up to and including $1,000 per statement period
- Earn 0.5 Reward Points per $1 spent on eligible purchases above $1,000 per statement period.
- ANZ Rewards include travel options, entertainment, gift cards, shopping vouchers, merchandise and much more.
- Affordable $80 annual card fee
- Up to 55 days interest free on purchases
- ANZ Falcon™ round-the-clock transaction monitoring
- ANZ Fraud Money Back Guarantee. T&Cs apply.
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
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ANZ Credit Cards
Discontinued: ANZ Rewards Credit Card
Updated 15 November 2022
This card is no longer available for application. This information has been left for those who still have the card or were previously interested
The ANZ Rewards credit card is an excellent option for anyone who enjoys earning as they spend- earn 1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period, then 0.5 Reward Points per $1 spent thereafter. Redeem points on a range of rewards, including travel, gift cards, cashback, and more.
T&Cs, spend & eligibility criteria, fees & charges apply (including annual fee currently $80).
Points Earn Rate (per $1 spent)
1 point
Capped at $1000, then 0.5 pts per $1 spent
Rewards Program
ANZ Rewards
Bonus Points
N/A
Pros and cons
- No complimentary insurances
- High interest rates
Creditcard.com.au review
Editor Review
Discontinued: ANZ Rewards Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The ANZ Rewards Credit Card
As a basic rewards card, the ANZ Rewards Credit Card offers a decent earn rate and some handy features. Want to know more about how the ANZ Rewards program works? Read on and explore the benefits this card has to offer.
What we love...
Much like most other rewards cards, with the ANZ Rewards Credit Card, you earn points on your credit card spending. You will earn 1 Reward Point per $1 spent on the first $1,000 per statement period, and 0.5 Reward Points per $1 thereafter.
The points you accrue can then be redeemed for anything within the ANZ Rewards program. This can include gift cards, merchandise and cashback, with the flexibility to change reward choices at any time.
Love travel? You can redeem your Reward Points for flights, hotels, car hire and more. You can even redeem your points with any of their partner airline frequent flyer programs - Singapore Airlines KrisFlyer, Asia Miles, Velocity Frequent Flyer, to name a few.
Want something for your home? Check out the range of homewares and appliances. You can also choose from an array of entertainment, activities and gifts, such as experiences, magazine subscriptions and hampers, or you can opt for vouchers and gift cards.
To give you an idea of what your Reward Points are worth, you could redeem 2,300 points for a $10 gift card for Woolworths, JB HI-FI, and Myer. If you prefer to turn your points into cashback, you can get $5 for 1,250 points which will be credited to your card account within 2 business days.
Point calculations are accurate but may be subject to change without notice.
What’s not so great...
Rewards cards are generally not known for their low interest rates or annual fees. While the ANZ Rewards Credit Card has a fairly affordable annual fee, its purchase rate and cash advance rate are high enough that you wouldn’t want to carry a balance. In terms of its earn rate, this is not a high-earning rewards card. But if it suits your spending, you may find it offers value.
Why should you choose this card?
If you want a rewards card with an affordable annual fee, the ANZ Rewards Credit Card could be just what you’re looking for. As long as you’re not expecting to earn big rewards for your everyday spending, it could be a valuable choice. To figure that out though, you will need to work out how much you get back in rewards (and features) and compare that to the amount you pay in fees.
The card also provides exclusive offers and privileges in travel, leisure, dining, and shopping through Visa Entertainment, plus up to 55 days interest free on purchases, and all the basic security and technology features usually included on credit cards.
To be eligible, you must be 18 years or over, have a good credit rating and be a permanent Australian resident. If you are a non-permanent resident, you must have more than nine months remaining on your visa.
Overall Rating
A middle-of-the-road rewards card, the ANZ Rewards Credit Card is perfect for everyday use, offering access to an excellent rewards program, handy features - all for an affordable annual fee.
User reviews
Rates and fees
Interest rates
Purchase rate 20.24% p.a.
Cash advance rate 21.24% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $80 p.a.
Additional cardholder fee Up to 3 - $65 p.a each
Foreign transaction fee 3%
Minimum repayment 2% or $25, whichever is greater
Cash advance fee Consumer: 3% (in Australia); 3% of the amount or $4, whichever is greater (for overseas); Commercial: 1.50% or $1.50 whichever is greater
Late payment fee $20
Rewards and points
Rewards program
Rewards Program
ANZ Rewards
Bonus points N/A
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
ANZ Rewards points 1 point per $1 spent
Points cap per month Capped at $1000, then 0.5 pts per $1 spent
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Overview
Discontinued: ANZ Rewards Credit Card
Points can be redeemed for a wide variety of rewards, including travel, merchandise, shopping vouchers, gift cards and more. Cardholders can also take advantage of a generously low annual fee, up to 55 days interest free on purchases, and worldwide emergency card replacement.
Key features
- Earn 1 Reward Point per $1 spent on eligible purchases up to and including $1,000 per statement period
- Earn 0.5 Reward Points per $1 spent on eligible purchases above $1,000 per statement period.
- ANZ Rewards include travel options, entertainment, gift cards, shopping vouchers, merchandise and much more.
- $80 annual card fee
- Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account
- Security features such as ANZ Falcon™ transaction monitoring and ANZ Fraud Money Back Guarantee
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question3 questions (showing the latest 10 Q&As)
Hi! Can someone under temporary resident visa avail of this card? Thanks.
Hi Jen, yes this is possible. As long as you have more than 9 months left on your Visa and meet all other minimum requirements to apply.
is there a charge for a second card on this accoung
Hi Janine, there is a an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. Therefore the total fee is $65.
Are you able to transfer the points onto another card?
Hi Ruth - you cannot transfer the ANZ custom rewards points to another card - they sit within your ANZ rewards account.
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Craig Jones
28 January 2013You get a Visa and an Amex card for the ANZ rewards card. The Amex earns you more points â?? but itâ??s not accepted in as many places and you can get charged higher transaction fees.
Recommends this card