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ANZ Rewards Credit Card
ANZ Rewards Credit Card

ANZ Credit Cards

ANZ Rewards Credit Card

Updated 30 September 2019

The ANZ Rewards credit card is an excellent option for anyone who enjoys earning as they spend and for a limited time you also receive 25,000 Reward Points when you spend $1,000 on eligible purchases in the first 3 months. Choosing the ANZ Rewards Credit Card you will 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.

Points Earn Rate (per $1 spent)

1 point

Capped at $1000, then 0.5 pts per $1 spent

Rewards Program

ANZ Rewards

Bonus Points

25,000 pts

Spend $1,000 in first 3 months

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 25,000 Reward Points when you spend $1,000 on eligible purchases in the first 3 months
  • 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
  • Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

  • 0.5 Reward Points per $1 spent on eligible purchases above $1,000 per statement period

Creditcard.com.au review

Editor Review

ANZ Rewards Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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. But, in case you need something more enticing, there is a pretty nice introductory offer on the table as well. As long as you spend $1,000 on eligible purchases in the first 3 months, you can enjoy 25,000 bonus Reward Points to redeem within the ANZ Rewards program.

What we love...

Designed to entice you, the ANZ Rewards Credit Card’s introductory offer does just that. As a new cardholder, you can benefit from 25,000 bonus Reward Points. All you need to do to get those points in your account is spend $1,000 on eligible purchases within the first three months of having the card.

What is an eligible purchase exactly? Well, as long as you’re not using the card to withdraw cash or cash equivalent transactions, or cover balance transfers, gambling or gaming transactions, then it should be eligible (check out the terms and conditions to make sure). After you have made that eligible purchase, your 25,000 bonus points will be credited to you within three months.

Want to know more about how the ANZ Rewards program works? 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. 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 how much that 25,000 bonus Reward Points is worth, you could redeem 22,225 Reward Points for a $100 gift card for Coles, Myer or Bunnings.

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.

In terms of features, you can enjoy access to 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 and 25,000 bonus Reward Points, for an affordable annual fee.

User reviews

ANZ Rewards Credit Card ( based on 8 Creditcard.com.au user reviews )

70% rating based on 8 reviews

Rates
Fees
Rewards
Customer Service
Value
69%

Craig Jones

28 January 2013

You 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

Rates and fees

Interest rates



Purchase rate 20.24% p.a.

Cash advance rate 20.24% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limt $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $80 p.a.

Additional card holder fee Up to 3 - $65 p.a each

Foreign transaction fee 3%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $20

Rewards and points

Rewards program

Rewards Program ANZ Rewards ANZ Rewards

Bonus points 25,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $1,000 in first 3 months

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

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

  • 25,000 Reward Points when you spend $1,000 on eligible purchases in the first 3 months
  • 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
  • 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

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

3 questions (showing the latest 10 Q&As)

Jen

Jen

22 October 2019
Hi! Can someone under temporary resident visa avail of this card? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 October 2019
    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.
janine

janine

29 January 2018
is there a charge for a second card on this accoung
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 January 2018
    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.
Ruth Metcalf

Ruth Metcalf

23 December 2015
Are you able to transfer the points onto another card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 December 2015
    Hi Ruth - you cannot transfer the ANZ custom rewards points to another card - they sit within your ANZ rewards account.

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