anz rewards travel adventures card

Review: ANZ Rewards Travel Adventures Visa Card

• November 6, 2019
• Debit & Credit Card Reviews

One of the biggest travelling mistakes is taking your everyday credit card or debit card overseas, potentially adding an extra 3% on to your travel spend. The ANZ Rewards Travel Adventures Card does not charge a foreign conversion fee and is now my go to card for overseas travel. I previously used the CommBank Diamond Amex that did not charge the overseas transaction fee. Since that card has been shut down by CommBank, I have been forced to look elsewhere. The Australian Bureau of Statistics claims that over 11.2m Australians travel overseas each year. That number has doubled in the last ten years. Interestingly, only 60% was for a holiday. The recent census claims Australian households spend $4,000 each year on holidays. Simple maths shows that holiday makers spend $27b on overseas holidays each year (granted they pay their flights in AUD, but this is an average). This could mean up to $806m in “hidden” overseas transaction fees. That’s an average of $120 per holiday per household, but frequent travellers are paying a lot more! This number excludes money spent with overseas merchants for goods and services.

Tip: Remember to use the same card for overseas pre-booking when paying for flights, accommodation, tours and other incidentals.

Ouch. No wonder a number of banks are now providing fee free options e.g. Ubank and Commbank , to name just two.

In this post:

ANZ Rewards Travel Adventure Card

The card I am currently using for my overseas travel is the ANZ Rewards Travel Adventures Visa card. This card is relatively new to the ANZ card family and ticks a lot of boxes. Firstly, it ticks the box of “fee free” international transactions. I spend more a significant amount per year on holidays and overseas purchases, so with an annual fee of $225, it breaks even after the first $7,500 of spend. The card also includes a Velocity Frequent Flyer sign-on bonus and points accrual, which I plan to convert to Singapore Airlines points due to the superior redemption options. I ended up with a 40,000 Velocity point bonus. Moreover, it ticks the travel insurance box. However, this is something I don’t really value as I have four cards that offer this, including the recently launched CommBank World Debit Mastercard .

Free Domestic return flight with Virgin Australia (including Sydney to Perth)

Notably, the card offers a free domestic return flight on Virgin Australia between major Australian cities, and is one of the few to include Sydney to Perth. I plan to use this to fly to Darwin or Launceston. This flight is combined with two domestic lounge passes, and Virgin has some great lounges, so this is a plus.

One previous hack of mine is to fly for free to Darwin and then pick up Singapore Airlines subsidiary Silk Air for the next leg. Silk Air often have two flights per day leaving Darwin.

Tip: Consider using the free ticket to position yourself for your next flight. It can be easier to get a redemption flight out of Darwin, Brisbane, Adelaide or Perth and require fewer points .

Whilst the ANZ Travel Adventures card also provides a personal concierge, I have never used one and I don’t know anyone who has (I feel I can Google stuff myself rather than get someone else to do it). The application form was easy, however you will end up at a branch to finish off your ID. While their mobile app is pretty easy, their desktop is dated. It does not provide BPAY payment capability.

Virgin Australia Velocity Points capping is a negative

The only other negative is the amount of points you can earn. Essentially, you get 0.75 Virgin Australia Velocity points for each dollar spent. This is reduced by two thirds after the first $2k spend, which is pretty low when you consider how lumpy travel expenses can get. As many of the “fee free” overseas cards do not offer any rewards, perhaps this is moot. They also have a separate login for their points program. This is one of those opaque programs that’s hard to decipher and navigate. My tip is: get in, set up auto redemption and never go back. Finally it’s a Visa card, so is accepted at the same places that accept Mastercard and Amex.

Summary: If you want Virgin Australia Velocity points and spend over $7.5k per year on overseas transactions, then this card is worth considering. It gets better if you value the insurance and the free Virgin flight.

Drew spends 3 months of the year travelling, and 9 months working which is just enough to support a credit card application habit. Destinations are chosen around cycling, hiking or skiing opportunities. For Drew it's as much about the deal as the destination!

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ANZ Rewards Travel Adventures Credit Card

The ANZ Rewards Travel Adventures Credit Card offers a range of benefits including ANZ Reward Points earned on eligible purchases, complimentary travel insurance, no international transaction fees.

Updated 22 April 2024

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The ANZ Rewards Travel Adventures credit card is one of ANZ's mid-tier ANZ Rewards products. Featuring a competitive points earn rate which is uncapped, the card provides premium features such as insurances. Further, the product has a $120 annual fee, including up to 55 interest free days. And for anyone who is planning on travelling or making purchases online from international companies, this product charges no foreign transaction fees, which can create significant savings.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include no foreign transaction fees, which are commonly around 3 p.a., this product is great for anyone who makes overseas purchases online, or anyone planning on travelling overseas and Overseas Travel and Medical Insurance which is similar to equivalent products.

This product is currently not available for sale.

Earn ANZ Reward Points

1.5 points per $1 spent up to $2,000, then 0.5 per statement

$65 annual account fee

$55 rewards fee

$10 additional cardholder fee

$55 additional cardholder rewards fee

Up to 9 additional cardholders

No international transaction fee

Other fees may apply.

20.99% p.a. variable purchase rate

21.99% p.a. variable cash advance rate

Up to 55 interest free days on purchases

International Travel Insurance

Domestic Travel Insurance

Rental Vehicle Excess in Australia Insurance

Extended Warranty Insurance

Purchase Protection Insurance

Before applying for this product, you should read the Target Market Determination (TMD) available here on the ANZ website.

ANZ Rewards Travel Adventures

Enjoy 40,000 bonus Reward Points, when you spend $1,000 on eligible purchases in the first 3 months from approval. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee currently $120).

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

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

• Eligibility

Your Top Questions Answered for the ANZ Rewards Travel Adventures

How many reward points can i earn with the anz rewards travel adventures credit card.

The ANZ Rewards Travel Adventures card 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 1.5 Reward Points per dollar up to $2,000 each statement period (then 0.5 Reward Points per dollar above $2,000).

How do I earn ANZ Reward Points with this card?

You can earn Reward Points by using your ANZ Rewards Travel Adventures 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 Classic, ANZ Rewards Platinum, ANZ Rewards Black or ANZ Rewards Travel Adventures credit card in the past 12 months.

Does this card come with any extras?

Yes! The platinum perks on offer are excellent, with Guaranteed Pricing, Extended Warranty Insurance and Purchase Protection amongst the highlights. There are also complimentary insurances when travelling, including International Travel Insurance, Interstate Flight Inconvenience Insurance, Rental Vehicle Excess in Australia Insurance and Transit Accident Insurance. Of course,  terms and conditions apply to all complimentary offerings , so make sure to review them before you apply.

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 Classic, ANZ Rewards Platinum, ANZ Rewards Black or ANZ Rewards Travel Adventures 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 Travel Adventures on my mobile?

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

• Qantas Frequent Flyer
• Velocity Frequent Flyer
• Balance Transfer
• 0% Purchase
• Low Interest
• No Annual Fee
• All Frequent Flyer
• American Express
• Bank of Melbourne
• Bank of Queensland
• Bendigo Bank
• Commonwealth Bank
• Latitude Financial
• Qantas Money
• Virgin Money

ANZ Rewards Travel Adventures Credit Card

• Receive 40,000 bonus Reward Points, when you spend $1,000 on eligible purchases in the first 3 months from approval.
• No international transaction fees on purchases overseas or online purchases from international websites (in foreign currency).
• 7 complimentary insurances including International Travel Insurance.

Pros and cons

• Attractive sign up bonus. 40,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval.
• Earn 1.5 points for every $1 spent on eligible purchases.
• Complimentary international travel insurance and other protection.
• No fee on purchases made in a foreign currency.
• There is a $120 p.a. annual fee.
• The number of points you can earn is capped per statement period.
• Additional cardholders. You can request up to 9 additional cards. The annual fee for each card is $65 p.a. The account holder will be responsible for managing the account, including repayments.
• Digital wallets. Apple Pay, Google Pay and Samsung Pay are enabled for this card.
• Gambling transactions. The ANZ Rewards Travel Adventures Credit Card cannot be used for gambling related transactions.

Rewards and benefits

• Complimentary travel insurance. This card comes with complimentary international travel insurance. For cover to be enacted, the card must have been used to purchase flights, hotels, etc. related to your trip prior to departure. Detailed eligibility criteria are available on ANZ's website.
• Concierge services. Get 24 / 7 access to the ANZ concierge with the ANZ Rewards Travel Adventures Concierge, who can make travel arrangements, book travel, book hotels, compare prices, as well as offer guidance on shopping, restaurants, and more.
• Insurances. Cardholders get extended warranty insurance, fraud protection guarantee, international travel insurance, interstate flight inconvenience, and personal item theft cover.
• Rewards points. ANZ Rewards Travel Adventures Card cardholders can earn 1.5 points for every $1 spent on eligible purchases. Balance transfers and cash advances do not earn rewards.
• Sign up bonus. Get 40,000 ANZ Rewards points when you spend at least $1,000 on eligible purchases within 90 days of approval.

Rates and fees

• Annual fee. This card's ongoing annual fee is $120.
• Balance transfers. This card does not currently have a balance transfer offer.
• Cash advances. Interest for cash advances are 20.24% p.a. and will be charged immediately. There is a fee for any cash advances made on this card.
• Foreign exchange fee. There are no fees with this card when you make purchases in a foreign currency while overseas or when shopping online.
• Interest-free period. You'll get up to 55 days interest-free on purchases (except for cash advances) when you have paid your previous balance in full or made the minimum required payment.
• Purchases. The ANZ Rewards Travel Adventures Credit Card does not have any introductory offer on purchases. Purchases made with the card will attract interest at 20.24% p.a.

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You will receive a welcome email shortly, fly free with anz’s new rewards travel adventures credit card.

Globetrotters rejoice - ANZ has recently launched its new Rewards Travel Adventures credit card, an option that is set to see frequent travellers enjoy more tangible benefits from their rewards points.

The Travel Adventures card offers spenders a range of perks above and beyond those of travel credit cards offered by ANZ previously, including a complimentary domestic return flight each year that the card is held.

ANZ Managing Director Products and Marketing, Matt Boss said, “We developed this market-leading card specifically for customers who want to travel, and it represents great value for them.”

Other benefits included two free Virgin Australia lounge passes each year, and complimentary international travel insurance , which has become almost a staple for high end platinum and black credit cards.

And although the purchase rate and annual fee on ANZ’s new offering are typical of rewards cards , frequent international travellers - and online shoppers - could see the savings roll in with the fee-free international transactions available on the Travel Adventures credit card.

“ANZ is the only major Australian bank to offer a card with all these features,” Boss said.

“And we are still the only Australian bank to offer customers a digital wallet whether they have an Apple or Android smartphone, which this new card will work with.”

RELATED: Samsung Pay has arrived in Australia

ANZ reminded Aussie cardholders that to activate these perks, they’ll need to meet certain requirements, including a $500 spend on eligible purchases within the first 3 months of account activation.

“We want to make sure we are offering our customers what they want and that is exactly what this card represents for keen travellers,” Boss said.

Tips for making the most of your rewards credit card

• Add an additional cardholder. The more people who are spending on your credit card account, the faster you’ll rack up the rewards points. You can have up to 9 additional cardholders on the ANZ Travel Adventures card.
• Use your card often. You won’t earn rewards points if your card is sitting unused in your wallet. Consider using your card on everyday spends - just remember that you’ll need to be disciplined about paying off your balance each month.
• Shop at bonus partners. When you shop at retailers affiliated with your credit card, you’ll earn bonus points and supersize your rewards stack in no time.
• Know your expiry date and points cap. The last thing you want is to realise that your hard earned points have expired before you could redeem them, or that your spending hasn’t earned any points, because you’ve already hit your monthly cap. So make sure you know the fine print on your rewards card scheme!

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ANZ Rewards Travel Adventures Review

Learn about the ANZ Rewards Travel Adventures credit card in this review to help you decide whether this is the card for you.

• Earn reward points
• Complimentary return domestic flight offered
• Two complimentary Virgin Australia lounge passes offered
• Complimentary travel insurance
• No overseas ATM withdrawal fee
• 24/7 personal concierge
• You don’t have to be an ANZ customer

Pros and cons of using ANZ Rewards Travel Adventure Card

• Complimentary return domestic flight
• Complimentary lounge passes
• No transaction or ATM withdrawal fee overseas
• High annual fee of $225
• Complimentary lounge passes only available to primary card holder
• To be eligible for complimentary offers you must spend over $500 in the first 3 months
• $65 additional cardholder fee
• Minimum credit of $6000

Benefits of the ANZ Rewards Travel Adventure Card

• ANZ Falcon™ provides round-the-clock monitoring for suspicious transactions
• You won't be liable for fraudulent transactions on your ANZ credit card account with ANZ Fraud Money Back Guarantee
• Worldwide emergency credit card replacement

Convenience

• ANZ goMoney® to use your card
• 24/7 Concierge service
• Up to 9 additional card holders

• No overseas transaction fees
• No cash advance fee when you withdraw cash from an overseas branch or ATM
• No ATM withdrawal fee*
• Complimentary return domestic flight when you spend $500 on eligible purchases within the first 3 months
• Two complimentary Virgin Australia lounge passes when you spend $500 on eligible purchases within the first 3 months**
• Complimentary travel and medical insurance offered by QBE Insurance

*ATMs will likely provide their own charge so beware of this when withdrawing money overseas **Lounge passes are only available to the primary cardholder

Fees and Charges

Minimum amounts for the ANZ Reward Travel Adventures Card:

Fees for the ANZ Reward Travel Adventures Card:

Reward Points

This is where the difference between Visa and Amex come in, as you can choose which rewards programme you would like to be a part of. You have access to over 1000 different rewards that you can look at here, ranging from entertainment to hotels and including shopping at stores such as Bunnings, Woolworths, Myer, Flight Centre and many more. To give you an idea, we’ve pasted the rewards points below:

• American Express: 2 points per $1 you spend on eligible purchases
• Visa: 1 points per $1 you spend on eligible purchases

There is no cap for earning points so you can earn as much as you like and spend them as you wish. You can also transfer and redeem them for frequent flyer points Velocity, Air New Zealand Airpoints, Cathay Pacific Asia Miles or Singapore Airlines Kris Flyer frequent flyer programs.

TIP:  Eligible purchases constitute as your everyday transactions i.e. supermarkets, petrol, food, restaurant’s etc. Note that reward points cannot be collected through: fees, cash, balance transfers, premiums paid for insurance, gambling or for gaming purposes. Anything that is treated as cash advance is also ineligible like lottery, rent, ATO and paying some bills.

Olivia lives and works in Melbourne as a full-time interior designer. She wanted a credit card that offered ways she could benefit from the money she spent day-to-day. As she had worked in her industry for over two years now, she was confident in her ability to repay the amount she spent, and also wanted a card that helped her earn reward points that she could transfer to her frequent flyer points. This would help her pay for her regular flights to see her family in Darwin. As she banks with ANZ already, Olivia first looked with them to see if any of the cards they offered suited her and what she wanted to get from a credit card. She was instantly attracted to the ANZ Travel Rewards Adventures credit card after hearing of its rewards scheme, teamed with its long list of benefits. As she met the criteria to apply, and was confident of keeping the minimum balance, Olivia applied online and had her credit card ready to use within five business days.

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Complete Guide to the ANZ Rewards Program

What can you get with ANZ rewards?

In this guide, look at what’s new and what’s coming soon with ANZ Rewards, who updated their program late 2021. ANZ has four rewards-earning credit cards, so we’ll show you how they stack up for value.

Editor’s note: All rates, fees and offers correct at the time of publication as of 5th October 2021

🔥 E arning Points

First things first. How do you earn points as a member of ANZ Rewards?

As an in-bank rewards program, ANZ Rewards offers points earning through its ANZ Rewards credit cards. There are four cards currently offered within the ANZ Rewards range, which are tiered to suit different levels of spending.

• The ANZ Rewards Card is the entry-level ANZ Rewards earner, offering the lowest earn rate – and the lowest annual fee.
• Next on the ladder is the ANZ Rewards Platinum Card, which offers a higher earn rate and more extras, in return for a higher annual fee.
• Top of the heap is the ANZ Rewards Black Card, which steps it up again with a higher earn rate, a few more extras, and again, a higher annual fee.
• Sitting outside the tier system is the ANZ Rewards Travel Adventures Card, which essentially offers the same earn rate and extras as the Platinum card, with the added bonus of having no international transaction fee.

We’ll discuss each of these cards in more detail in the following section.

What else do you need to know about points earning within ANZ Rewards?

On each card, you can enjoy uncapped points earning . This essentially allows you to continue earning points on your purchases, no matter how much you spend each month.

It is worth pointing out, however, that each card within the ANZ Rewards range structures its earn rate. So, while you may be able to earn as many points as you want, once you reach a certain spending threshold each month, your earn rate per $1 will drop.

As for what transactions are eligible for points earning, you will earn points on most purchases . Transactions exempt from points earning include interest charges, government charges, bank fees, payments made to the ATO, balance transfers and cash advances.

And points expiry ? According to the program’s terms, you must use your points within 36 months of 31 December of the year in which the points were earned. Points that remain unused after that period will be cancelled.

If you choose to close your ANZ Rewards account, will have 90 days to redeem your points before they expire.

One last note on points earning involves the Bonus Points Mall . Prior to the ANZ Rewards program upgrade, cardholders could earn bonus points on spending at certain retailers. While ANZ flags the Bonus Points Mall will return soon, it has not yet been reintroduced to the program.

ℹ️ I ntro Bonus Points

Like most rewards programs, ANZ Rewards offers bonus points introductory offers to entice new cardholders to apply for its credit cards.

How do these intro offers work?

When you apply for a card with a bonus points intro offer, you will receive a specified number of bonus points after meeting the minimum spend requirements as set out by the offer.

An example? Let’s say you apply for a card with an intro offer of 75,000 bonus points. The offer states you must spend at least $1,500 on your card within the first three months from card approval.

So, all you need to do is spend $1,500 on eligible purchases within that timeframe (these are usually the same types of transactions that allow you to earn rewards points), and your account will then be credited with 75,000 points to spend as you like.

It’s worth pointing out that as these offers are designed to attract new cardholders, they are only offered to new cardholders.

In terms of ANZ Rewards cards, that means you cannot currently hold, or have opened or closed any card within the ANZ Rewards range in the last 12 months.  

Comparing ANZ Cards

Time to compare ANZ Rewards cards to see how they work and what they have to offer.

💳 ANZ Rewards Card

Let’s start out by introducing the classic – or entry-level – card within the ANZ Rewards range. This is the ANZ Rewards Card.

As a classic rewards card, extras on the ANZ Rewards Card are basic. You get the standard set of security and payment features.

To apply for the ANZ Rewards Card, you must:

• Be 18 years of age or over.
• Be a permanent Australian resident or a non-permanent resident with more than nine months remaining on your Visa.
• Have a good credit rating.

ANZ doesn’t provide a minimum income requirement on any of its ANZ Rewards range. If you are thinking about applying for a particular card, it can be a good idea to start with the card’s minimum credit limit to gauge expected spending levels. If you’re still unsure, contact ANZ to get a rough idea of what’s expected of you.

Another factor to take into account should be your anticipated spend – and whether it will offer value in terms of the rewards you earn.

To give you an idea of how this might work, you would need to spend around $30,000 per year (or $2,500 per month) on the ANZ Rewards Card to break even after paying its annual fee.

On a monthly spend of $2,500, you would earn 1,750 points each month, or 21,000 points per year. This would equal $84 in cashback value, or $94 in gift card value, which would just cover the card’s annual fee.

💳 ANZ Rewards Platinum Card

Moving on up the ladder, the ANZ Rewards Platinum Card combines a higher earn rate and a higher points shaping threshold, with a few platinum perks.

Platinum perks on the ANZ Rewards Platinum Card focus on complimentary insurances.

For overseas travel:

• International Travel Insurance

For travel within Australia:

• Rental Vehicle Excess in Australia Insurance
• Domestic Travel Insurance

For your purchases:

• Purchase Protection Insurance
• Extended Warranty Insurance

Cardholders can also benefit from access to a personal concierge and Visa Offers + Perks.

Stated eligibility criteria is the same as the classic ANZ Rewards Card, but you would likely have to meet higher income requirements and other criteria to get approved for the Platinum card, thanks to its higher minimum credit limit.

And spend? To break even on this card’s annual fee year-to-year, you would need to spend at least $1,300 per month or $15,600 per year. On this spend, you would earn 23,400 points, equal to $94 in cashback value, or $102 in gift card value.

💳 ANZ Rewards Black Card

On top of the ladder is the ANZ Rewards card, providing the range’s highest earn rate and some additional perks on top of what’s on offer on the Platinum card.

Extras on the ANZ Rewards Black Card include the same complimentary insurances as the ANZ Rewards Platinum Card, alongside access to a personal concierge and Visa Offers + Perks.

The main additional extra comes in the form of Exclusives by ANZ, which essentially provides access to exclusive, invitation-only events.

Again, the stated eligibility criteria for the ANZ Rewards Black Card is the same as the other cards within this range, however, you would likely need to meet much stricter requirements in terms of your income and credit history in order to be approved.

So, how much would you need to spend to make paying that annual fee worthwhile? If you spent $4,000 each month, or $48,000 per year, you would earn 96,000 points in the year. That equates to $384 in cashback value, or $417 in gift card value.

💳 ANZ Rewards Travel Adventures Card

Set outside of the tiered selection of ANZ Rewards cards, the ANZ Rewards Travel Adventures Card focuses on travel benefits, featuring no international transaction fee on purchases.

The ANZ Rewards Travel Adventures Card basically offers the same extras as the ANZ Rewards Platinum Card, including the complimentary insurances and personal concierge service, while substituting access to Visa Offers + Perks for no international transaction fee.

Each of the other cards within the ANZ Rewards range charges an international transaction fee of 3%, so this is what’s designed to set this card apart.

With a higher annual fee than the Platinum card, however, you would need to spend more per month to see value on the ANZ Rewards Travel Adventures Card.

To break even on the card’s annual fee, you would need to spend at least $1,700 per month, or $20,400 per year. This would allow you to earn 30,600 points per year, equal to $122 in cashback value, or $133 in gift card value.

The 40,000 bonus points offer would give you an additional $160 cashback value, or $173 gift card value in the first year.

🟢 A dditional Cardholders

In the card tables above, we mentioned additional cardholders, noting how many additional cardholders could be added to each account, and how much each additional cardholder would cost in annual fees.

It’s worth bearing in mind that adding an additional cardholder to your account can help you to earn points faster. However, certain factors need to be taken into consideration before you implement this option.

First up, the additional cardholder annual fee. While some cards allow additional cardholders to be added to an account for free, there is a fee to do this on each card within the ANZ Rewards range.

Before adding an additional cardholder, consider how much more you will pay in annual fees to do so. Think about whether that additional cost will be more or less than the value of rewards the additional cardholder spending brings in.

It’s also a good idea to consider points shaping and points caps before adding an additional cardholder. While the ANZ Rewards range does not cap points, it does shape points, reducing the earn rate once a certain spending threshold has been reached.  

🛒 U sing Points

Now it’s time to look at redemption options. What can you get back in rewards when you redeem points on the ANZ Rewards program?

ANZ Rewards currently offers three ways to redeem Reward Points.

• Gift cards from a range of retailers, where 2,300 Reward Points equal $10.
• Cashback on the credit card , where 1,250 Reward Points equal $5.
• Asia Miles 3:1 (where 3,000 Reward Points equal 1,000 Asia Miles)
• Air New Zealand Airpoints 200:1
• Singapore Airlines KrisFlyer 3:1
• Velocity 2:1

ANZ states:

“A few of our previous redemption options are still getting their finishing touches, ready to return in the coming months.”

First, some fine print.

Only the primary accountholder can redeem points to claim rewards. In other words, additional cardholders are not allowed to claim rewards.

Also, you cannot claim a reward by pooling points from a number of card accounts. So, you and your partner, for example, couldn’t claim a reward from a pool of your two rewards balances.

Okay, rewards. As we mentioned earlier, ANZ Rewards has received a makeover. In fact, it’s still in the process of finishing up that makeover. As a result, not all rewards are available to claim. Let’s take a look at what’s available now – and what’s yet to come.

Some things to look out for include:

• Merchandise redemptions, on items such as electronics and homewares.<b
• Auto-redemptions linked to partner programs.
• Points Plus Pay, which would allow you to make up the difference on your card when you don’t have enough points for the reward you want.
• Bonus Points Mall, where you can earn extra Reward Points when you shop online with certain brands.

🎁 e Gift Cards

You can redeem your ANZ Rewards points on a wide range of eGift cards. Retailers include well-known names such as Amazon and Apple, Big W and Bunnings, Dan Murphy’s, Myer and Sephora.

Experiences are also on the table, through eGift cards for Endota Spa and Event Cinemas, Red Balloon and Myer. And, while you can’t book travel with your points right now – more on that in a minute – you can pick up a Flight Centre eGift card with your points.

Happily, ANZ Rewards utilises a standardised redemption value across all eGift cards, so you know you will get the same value, regardless of which eGift card you choose. There are also a wide range of denominations on offer (depending on retailer), so you can redeem big or small.

Here are the number of points you would need to redeem for each major eGift card value.

• 2,300 points = $10 eGift card
• 5,560 points = $25 eGift card
• 11,115 points = $50 eGift card
• 22,225 points = $100 eGift card
• 55,560 points = $250 eGift card
• 111,000 points = $500 eGift card

💰 C ashback

Alternatively, you could redeem your points to reduce the balance on your card, or top up your eligible ANZ bank account.

With this option, you will receive $5 cashback for every 1,250 points you redeem.

As you can see from the examples above, cashback offers slightly less value on redemption than gift cards.

To enjoy $10 of eGift card value, you would need to redeem 2,300 points, while $10 of cashback value would require 2,500 points.

As with any reward, you would need to weigh up the pros and cons of each redemption option, to find out where the true value lies for you.  

✈️ U sing Points for Travel

Prior to its makeover, ANZ Rewards allowed cardholders to book travel using points via its ANZ Holiday Rewards service.

As this is one of the services that is yet to be reinstated, using points for travel within ANZ Rewards can now only be achieved by redeeming points for a Flight Centre eGift card, or by transferring points to one of the program’s frequent flyer partners.

You can transfer ANZ Reward Points to Cathay Pacific’s Asia Miles program at a rate of 3:1 (where 3,000 Reward Points equal 1,000 Asia Miles).

Transfers start at 3,000 Reward Points, going up in increments of 1,500 Reward Points. ANZ Rewards notes a redemption time of up to 18 business days to complete each transfer.

• Air New Zealand Airpoints

You can transfer ANZ Reward Points to Air New Zealand’s Airpoints program at a rate of 200:1 (where 200 Reward Points equal 1 Airpoints Dollar).

Transfers start at 2,000 Reward Points, going up in increments of 2,000 Reward Points. ANZ Rewards notes a redemption time of up to 6 business days to complete each transfer.

You can transfer ANZ Reward Points to Singapore Airlines’ KrisFlyer program at a rate of 3:1 (where 3,000 Reward Points equal 1,000 KrisFlyer Miles).

Transfers start at 1,500 Reward Points, going up in increments of 1,500 Reward Points. ANZ Rewards notes a redemption time of up to 15 business days to complete each transfer.

You can transfer ANZ Reward Points to Virgin Australia’s Velocity program at a rate of 2:1 (where 2,000 Reward Points equal 1,000 Velocity Points).

Transfers start at 2,000 Reward Points, going up in increments of 2 Reward Points. ANZ Rewards notes a redemption time of up to 5 business days to complete each transfer.

It’s worth mentioning that in order to transfer ANZ Reward Points to one of the program’s partners, you must be a member of that program.

ANZ Rewards also notes that transfers currently need to be completed over the phone by calling the ANZ Rewards Centre on 1300 367 763 during business hours (8am to 8pm AEST, Monday to Friday excluding national public holidays).

You can start your redemption online, but you will need to call to verify your details in order to complete the redemption within seven days.

🔜 C oming Soon

So, what else is in the pipeline for ANZ Rewards?

On its site, ANZ says that a few of its previous redemption options are still “getting their finishing touches”, and are set to return in the coming months. Here’s what you can expect once the program’s makeover is complete.

• Products: ANZ Rewards is “working to bring specific products such as homewares or electronics back”. Merchandise rewards will likely be offered via the ANZ Rewards Store, or something similar.
• Physical Gift Cards: Right now, ANZ Rewards only offers eGift cards. However, the bank states physical gift cards will be making a comeback soon.
• Travel: ANZ doesn’t provide any specific info regarding the return of ANZ Holiday Rewards. It may bring back this travel booking service or something similar, which would allow members to use their points to book flights, accommodation and activities.

Other things to look out for include:

• Auto-redemptions (allowing you to link to partner programs and transfer your points automatically to that program).
• Points Plus Pay (allowing you to make up the difference on your card when you don’t have enough points to redeem the reward you want).
• Bonus Points Mall (where you can earn extra Reward Points when you shop online with certain brands).

⚖️ W hy Choose ANZ Rewards?

ANZ Rewards is a well rounded rewards program, offering transparent redemption options in the form of cashback and eGift cards. Members also have the option to transfer points to a nice selection of partner frequent flyer programs, offering conversion rates on par with other in-bank programs.

As ANZ Rewards completes its makeover, the program should provide more useability and flexibility.

In terms of cards earning ANZ Rewards, the tiered selection should allow you to choose the level of card that works for your spending, with some nice perks on the higher end options. While none of the cards within the ANZ Rewards range caps points, it’s worth paying attention to points shaping – and how it may affect your earn.

As for bonus points offers, these will change over time, but they can provide serious value when the offer is big enough.

Photo source: Getty Images

Pauline hatch.

Pauline is a personal finance expert at CreditCard.com.au, with 8 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.

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See the range of options for how to use your ANZ Reward Points disclaimer . The more you use your ANZ Rewards credit card, the more Reward Points you’ll receive and the closer you’ll get to your choice of great rewards, including:

Choose from a range of popular brands including Bunnings, Wish, Westfield and many more. disclaimer

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Get the latest tech and home appliances, from headphones and speakers, to cameras and coffee machines. disclaimer

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Use your Reward Points for ANZ Cashback disclaimer to reduce the balance of your ANZ Rewards credit card or pop into your eligible ANZ bank account to spend on whatever you like. 

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Redeem your Reward Points for frequent flyer points disclaimer  in these programs:

ANZ Reward Points do expire

ANZ Reward Points must be used to claim a reward within 36 months of 31 December of the year in which the Reward Points were added to a points record. Reward Points that remain unused after that period will be cancelled. disclaimer

In the event your ANZ Rewards account is closed, any Reward Points that remain unused must be used within 90 days of the date of closure. Reward Points that remain unused after that period will be cancelled. disclaimer

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You don’t have to convert your points with ANZ Frequent Flyer. It’s all done for you. Qantas Points disclaimer are automatically credited to your Qantas Frequent Flyer account every month. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. disclaimer

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Enjoy a joining fee waiver, offered by ANZ and currently worth $99.50, if you’re not a Qantas Frequent Flyer member yet. disclaimer

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Qantas club membership.

You could enjoy a joining fee waiver and discount on 1-year individual Qantas Club membership if you purchase or renew your Qantas Club membership using your ANZ Frequent Flyer Black credit card.  disclaimer

Qantas club members benefits include priority check-in, additional luggage allowance, and unlimited access to Qantas Club Lounges around the world.

Qantas Club lounge invitations

Why not relax before your flight, with a more comfortable pre-flight experience including complimentary refreshments and business facilities? Enjoy two complimentary Qantas Club Lounge invitations each year. disclaimer Call your Personal Concierge on 1300 580 765 to order your invitations.

Qantas Lounge invitations are uploaded to your Frequent Flyer account in digital form, please allow a minimum of 14 business days prior to departure to avoid any inconvenience.

Your questions answered...

Visit the Complimentary Invitations Portal  to manage your complimentary lounge invitations.

Yes, invitations must be linked to Qantas flights or Jetstar flights at least 24 hours before departure. You can de-link invitations from a flight at any time before 24 hours of the departure. 

Visit the Complimentary Invitations Portal to manage your complimentary lounge invitations or call Qantas on 13 11 31 for more information.

To redeem a complimentary lounge invitation, you must be a Qantas Frequent Flyer member, however a joining fee waiver disclaimer is offered by ANZ. You can apply for membership online at the Qantas website .

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Passes can be transferred online to another Qantas Frequent Flyer member. Visit the Complimentary Invitations Portal to manage your complimentary lounge invitations or call Qantas on 13 11 31 for more information.

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Earn 180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black card when you spend $3,000 on eligible purchases in the first 3 months from approval. disclaimer

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Earn up to 130,000 bonus Qantas Points! Get 90,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months. disclaimer

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Important information

ANZ Reward Points are earned and redeemed in the ANZ Rewards store in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF) . Certain transactions and other items are not eligible to earn Reward Points, for details refer to the  ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF).

Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the  ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) . Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.

Gift card denominations and minimum redemption thresholds vary. T&Cs apply, see anzrewards.com  to view the ANZ Rewards Terms and Conditions or call 13 13 14  to request a copy.

Rewards Store Terms and Conditions Apply - see www.anzrewards.com for details.

ANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Rewards or other ANZ account within 2 business days. Minimum Redemption thresholds apply.

Terms and Conditions apply. An Account Holder must be a member of the applicable frequent flyer program to redeem Reward Points for frequent flyer points. Redemption thresholds apply. Frequent traveller details must be entered online at time of redemption in order to transfer points to the frequent flyer program. See anzrewards.com for details.

Please refer to the  ANZ Rewards – Rewards program Terms and Conditions (PDF) for further conditions. We may also cancel Reward Points at our sole discretion if you die, if your card account is suspended, if you breach or any additional cardholder breaches the ANZ Rewards Terms and Conditions or the ANZ Credit Cards Conditions of Use or if we reasonably suspect you are operating your card account fraudulently.

This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the  Qantas website . This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Current joining fee $99.50 as at 7 April, 2022, subject to change.

Offer only available to ANZ Frequent Flyer Black cardholders who are Australian residents. Offer non-transferable and not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. Customers who are eligible for this offer and contact the Qantas Frequent Flyer Service Centre on 13 11 31 to renew or purchase a new standard one year individual Qantas Club membership using an ANZ Frequent Flyer Black card will receive a joining fee waiver and discount on their standard one-year individual membership rate for Australian residents. Please speak to the Qantas Frequent Flyer Service Centre for current discounts and pricing. Different rates may be available for those with access to the Qantas Club Corporate scheme. Only one joining fee waiver and one membership fee discount available per year, per cardholder. Qantas Club membership is subject to approval by Qantas and to the terms and conditions of The Qantas Club, available at  qantas.com/qantasclub .

Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765 . Qantas Club Complimentary Invitations will then be available via the Complimentary Invitations Portal, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use (PDF) and the account remains open. Qantas Club Complimentary Invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas operated International Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way and Qantas reserves the right to cancel invitations that are in breach of this policy. Invitations are valid for 12 months from date of issue. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on qantas.com/qantasclub . Qantas Club Complimentary Invitations are subject to Complimentary Lounge Invitation Terms and Conditions and Qantas Club Lounge Entry Terms and Conditions . Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff.

For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee.  For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of  $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

Offer available to new and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF) . The 100,000 extra ANZ Reward Points and the $50 will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the Purchases balance and does not constitute a payment under your contract with ANZ. The 100,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Rewards Credit Card in the last 12 months.

Offer available to new and approved applicants who apply for an ANZ Rewards Black Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF) . The $150 will generally be credited to your credit card account within three months of meeting the spend criteria. The $150 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. ANZ Rewards Points will generally be credited to your ANZ Rewards Account within 3 months of meeting the spend criteria. ANZ Rewards Points will not be credited and you will not be eligible for the $150 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF)  or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit card in the last 12 months.

For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account.  These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73  for information regarding the fees that apply to their account.

Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) . The 90,000 bonus Qantas Points and $200 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $200 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 40,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. The 130,000 bonus Qantas Points will not be credited and you will not be eligible for $200 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF) prior to the bonus Qantas Points or $200 being credited to your ANZ Credit Card Account. You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum Credit Card and is limited to one offer per applicant.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) . The 75,000 bonus Qantas Points and $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 75,000 bonus Qantas Points will not be credited and you will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.