ANZ Rewards Credit Card

ANZ Rewards Credit Card


  • Earn uncapped ANZ Rewards Points on everyday purchases.
  • Annual fee of $80 p.a.
  • An easy to manage credit limit from $1,000.

Pros and cons


  • 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.
  • No cap on the number of points that can be earned.
  • ANZ Rewards points can be transferred to several airlines. This gives you
  • Up to 55 days interest-free on purchases.


  • Earn rate drops to 0.5 points per $1 above $1,000 per statement period.
  • No complimentary insurances on this card.
  • No lounge access or concierge service.
  • No balance transfer offer.


The basics

  • Additional cardholders. You can request up to 3 additional cardholders at the cost of $65 p.a. per card. The account holder will be responsible for managing the account and keeping it in good standing.
  • Digital wallets. This card can be used with Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. Gambling transactions are not blocked by ANZ, but they will be charged interest at the cash advance rate.

Rewards and benefits

  • Complimentary travel insurance. This card does not offer cardholders any complimentary international travel insurance.
  • Concierge services. The ANZ Rewards card does not give cardholders access to a concierge service.
  • Insurances. This card comes has no complimentary insurances, although it does have ANZ Falcon anti-fraud security.
  • Rewards points. The ANZ Rewards Credit Card earns 1 point per $1 spent up to $1,000 per statement period with the ANZ Rewards program on eligible purchases. Spend above $1,000 per statement period earns 0.5 points per $1 spent. There is no cap on how many points you can earn. One of the benefits of earning ANZ Rewards points is that they can be transferred to several airline partners (Velocity Frequent Flyer, Asia Miles, Airpoints, KrisFlyer), giving you more flexibility when booking flights. Balance transfers, cash advances, fees, and ATO payments are not eligible transactions for earning points.
  • Sign up bonus. This is currently no signup bonus for the ANZ Rewards Credit Card.

Rates and fees

  • Annual fee. ANZ charge an annual fee of $80 p.a. while you keep the card account open.
  • Balance transfers. The ANZ Rewards Credit Card does not have an introductory balance transfer offer at this time.
  • Cash advances. All transactions that are processed as cash advances will be charged interest immediately at the rate of 21.24% p.a. Interest is not the only charge you will incur for any cash advances made with this card. ANZ will also charge a fee for cash advances.
  • Foreign exchange fee. Any purchases made in a foreign currency while overseas or at online stores will attract a 3% fee.
  • Interest-free period. This card offers an interest-free period of up to 55 days on purchases except cash advances if you have paid off your previous balance.
  • Purchases rate. Purchases made with the card will be charged interest at the ongoing rate of 20.24% p.a. until they've been paid off.