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New to ANZ Rewards?

At ANZ Rewards, we've got credit cards to suit virtually all needs. Whether you're interested in earning Reward Points or extra features like extended warranties and insurance, if you want to upgrade your account, we have options for you to consider.

ANZ Rewards Black

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2 Reward Points per $1 spent on eligible purchases1 up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases1 above $5,000 per statement period¹

Until 5th August receive 2 Reward Points per $1 spent on eligible purchases1 uncapped2

ANZ Rewards rates, fees
and features

ANZ Rewards Travel Adventures card

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1.5 Reward Points per $1 spent on eligible purchases1 up to $2,000 per statement period, then 0.5 Reward Points per $1 spent on eligible purchases1 above $2,000 per statement period1

Until 5th August receive 1.5 Reward Points per $1 spent on eligible purchases1 uncapped 2

ANZ Rewards Platinum rates, fees and features

ANZ Rewards Platinum

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1.5 Reward Points per $1 spent on eligible purchases1up to $2,000 per statement period, then 0.5 Reward Points per $1 spent on eligible purchases1 above $2,000 per statement period1

Until 5th August receive 1.5 Reward Points per $1 spent on eligible purchases1 uncapped 2

ANZ Rewards Black rates,
fees and features

Looking for another option?

ANZ Rewards Classic

ANZ Rewards

Important information

Terms and conditions apply and are available on application. Fees and charges apply. Approval subject to ANZ's credit assessment criteria.

  • Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards – Rewards Program Terms and Conditions (1.03.2017 version) booklet, e.g. fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. The Reward Points information and Rewards Program Terms and Conditions displayed on this page apply to customers who opened their account from 1 March 2017 only. Customers who opened their account before 1 March 2017 may be subject to a different Reward Points earn rate or different earn rate bands and to different Rewards Program Terms and Conditions. Existing customers should call 13 13 14 for information regarding the Reward Points earn rate(s) that apply to their account, or visit to view the ANZ Rewards – Rewards Program Terms and Conditions (pre-1.03.2017 version) booklet that applies to accounts opened prior to 1 March 2017.
  • Until 5 August 2017, the higher earn rate on the account will apply to all eligible purchases. For purchases made after 5 August 2017, the earn rate bands will apply and applicable Points per dollar earn rate will be based on the value of eligible purchases made during a statement period.
  • Complimentary access to participating airport lounges is available to eligible ANZ Rewards Black cardholders. Participating airport lounges are subject to change. To gain complimentary access, eligible cardholders must present their credit card and a current flight boarding pass in the same name at the participating lounge. For terms & conditions and participating airport lounges refer to Complimentary Airport Lounge Access Program Terms & Conditions.
  • The Overseas travel and medical insurance master policy, the Transport accident cover master policy and Rental excess cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 AFSL 239545 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth), The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards – insurances (PDF 1.37MB) – Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof of that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.
  • This estimate is based on a couple/family purchasing a standard international annual multi - trip policy underwritten by QBE without any customisation for pre-existing conditions or without taking into account any special conditions or requests as of 10 March 2014.
  • Terms and conditions apply. Please refer to the ANZ Emergency Travel Service & Personal Concierge terms and conditions (PDF 92kB) for further information.
  • Loyalty Bonus is awarded in accordance with the ANZ Rewards – Rewards Program Terms and Conditions (PDF 654 KB) (please call 13 13 14 for a copy). To receive the Loyalty Bonus, you must make qualifying purchases valued at $50,000 or more using your ANZ Rewards Black account during the first year you hold your account. The year commences on the day after your first Fee Date, and ends on your second Fee Date. Your Fee Date is the date that your account is assessed for charging an annual account fee (please call 13 13 14 to confirm your Fee Date). Qualifying purchases for the purposes of calculating your eligibility for a Loyalty Bonus exclude Balance Transfers, cash advances, interest, fees, stamp duty, government charges and transactions reversed or refunded. Only one Loyalty Bonus may be earned per account. Any Loyalty Bonus earned will be automatically credited to your ANZ Rewards points balance within 90 days however ANZ accepts no liability for any delay.
  • Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience Insurance is underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Terms and conditions apply to the cover provided. For more information refer to the Premium Cards – insurances (PDF 1.37MB) – Part 2 Zurich Policy Wordings.
  • Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use.
  • For ANZ Rewards a Total Annual Fee of $80 applies which includes a $25 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum a Total Annual Fee of $95 applies which includes a $40 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. For ANZ Rewards Black a Total Annual Fee of $375 applies which includes a $320 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. The Total Annual Fee information displayed on this page applies to new customers only. Existing customers may be subject to a different Total Annual Fee and should call 13 22 73 for information regarding the Total Annual Fee that applies to their account.
  • Offer available to ANZ Rewards Travel Adventures accountholders who have made $500 of net eligible purchases within three months of approval. One complimentary flight is available to the accountholder each year until the card is cancelled. Complimentary flights are restricted to selected economy fare classes on flights operated by Virgin Australia to selected domestic destinations. Bookings are subject to availability and some flights may not have complimentary seats available. Flights must be booked at least 60 days in advance. Not to be combined with any other offer, discount or cabin class upgrades. Fees may apply for excess baggage, booking changes and cancellations. The complimentary flight is not eligible for Velocity Points and/or Status Credits earn. The Air Travel Benefit Terms (PDF 56 KB) and the Virgin Australia Terms and Conditions of Carriage (available at virginaustralia.com/au) apply. Eligible purchases are described in the Air Travel Benefit Terms - for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases.
  • Offer available to ANZ Rewards Travel Adventures accountholders who have made $500 of net eligible purchases within three months of approval. The accountholder is entitled to two single entry lounge passes each year until the card is cancelled. Lounge passes provide access to the Virgin Australia Domestic Lounge when travelling on a Virgin Australia Domestic flight. Lounge Passes cannot be used in international lounges, partner airlines or associated lounges. Lounge Passes expire 12 months after request. Please allow 4 weeks for delivery of passes. Lounge entry is subject to space availability and is permitted a maximum of 2 hours before the flight. Damaged lounge passes will not be accepted. Lounge passes are non-refundable and must not be offered for re-sale. Access to the lounge is to the Virgin Australia Lounge Terms and Conditions and Lounge Rules (available at virginaustralia.com/au). This offer is subject to the Air Travel Benefit Terms. Eligible purchases are described in the Air Travel Benefit Terms (PDF 56 KB) - for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your eligible purchases.
  • ANZ will waive the overseas transaction fee on foreign currency transactions and transactions where the merchant or financial institution accepting the card is located outside Australia. ANZ will also waive the cash advance fee if you use your ANZ Rewards Travel Adventures account to withdraw actual cash from a branch or ATM located overseas. A cash advance fee will apply to any other cash advances on your account. ATM operator fees may apply.
  • For ANZ Rewards Travel Adventures Total Annual Fee of $225 applies which includes a $170 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account. The Total Annual Fee information displayed on this page applies to new customers only. Existing customers may be subject to a different Total Annual Fee and should call 13 22 73 for information regarding the Total Annual Fee that applies to their account.
  • Offer available to new and approved applicants who apply for an ANZ Rewards Black card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers (except the $0 annual fee waiver for the first year), or packages or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards Platinum, ANZ Rewards, or ANZ Rewards Platinum credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and make $2,500 worth of eligible purchases (purchases which are not eligible are described in the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 76kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes) within 60 days of approval to receive the Westfield Gift Card. The Westfield Gift Card will be mailed to the mailing address provided at the time of application for the ANZ Rewards Black credit card account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Black credit card account before receiving the Westfield Gift Card, you may become ineligible for the Westfield Gift Card. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards Black a Total Annual Fee of $375 applies, which includes a $325 Annual Account Fee and a $55 Rewards Program Service Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at Thursday, 23 February 2017 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. Some retailers may choose not to accept Westfield Gift Cards. Westfield Gift Card terms and conditions apply. Issued by Westfield Gift Cards Pty Ltd ACN 113171663.
  • Offer available to new and approved applicants who apply for an ANZ Rewards Platinum card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers (except the $0 annual fee waiver for the first year), or packages or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and make $2,500 worth of eligible purchases (purchases which are not eligible are described in the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 76kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes) within 60 days of approval to receive the Westfield Gift Card. The Westfield Gift Card will be mailed to the mailing address provided at the time of application for the ANZ Rewards Platinum credit card account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum credit card account before receiving the Westfield Gift Card, you may become ineligible for the Westfield Gift Card. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards Platinum a Total Annual Fee of $95 applies, which includes a $40 Annual Account Fee and a $55 Rewards Program Service Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at Thursday, 23 February 2017 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. Some retailers may choose not to accept Westfield Gift Cards. Westfield Gift Card terms and conditions apply. Issued by Westfield Gift Cards Pty Ltd ACN 113171663.
  • Offer available to new and approved applicants who apply for an ANZ Rewards card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers (except the $0 annual fee waiver for the first year), or packages or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards Platinum, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and make $2,500 worth of eligible purchases (purchases which are not eligible are described in the ANZ Rewards - Rewards Program terms and conditions booklet (PDF 76kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes) within 60 days of approval to receive the Westfield Gift Card. The Westfield Gift Card will be mailed to the mailing address provided at the time of application for the ANZ Rewards credit card account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards credit card account before receiving the Westfield Gift Card, you may become ineligible for the Westfield Gift Card. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards credit card a Total Annual Fee of $80 applies, which includes a $25 Annual Account Fee and a $55 Rewards Program Service Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at Thursday, 23 February 2017 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. Some retailers may choose not to accept Westfield Gift Cards. Westfield Gift Card terms and conditions apply. Issued by Westfield Gift Cards Pty Ltd ACN 113171663.

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