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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions (please call 13 22 73 for a copy). Purchases exclude cash, cash equivalent transactions, fees, balance transfers and premiums paid for ANZ Credit Card Insurance. The Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate on both their ANZ Rewards American Express® card and/or ANZ Rewards Visa card. Existing customers should call 13 22 73 for information regarding the Reward Points earn rate that applies to their account. Bonus Reward Points do not accrue on purchases made using an ANZ Rewards Black card.