ANZ Rewards Credit Cards | Compare Earn Rates, Bonuses & Apply Online

ANZ Rewards Credit Cards

Compare credit cards that earn points and come with the benefits of ANZ Rewards membership.

My monthly spend: 
$5,000
 
Features: 
All features
Types: 
All types
rewards program
earn rate
sign up bonus
Points earned
100,000 points and $100 back when you spend $4,000 on eligible purchases in the first 3 months.
Free International Travel Insurance.
Eligibility criteria, T&Cs, fees and charges apply.
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ANZ Rewards
ANZ Rewards
2 pts
per $1 spent
up to $5,000
then 1 pt
Above $5,000
More info
100,000
points
25,000 points when you spend $1,000 on eligible purchases in the first 3 months.
An easy to manage credit limit from $1,000.
Earn ANZ Rewards Points on everyday purchases.
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ANZ Rewards
ANZ Rewards
1 pt
per $1 spent
up to $1,000
then 0.5 pts
above $1,000
More info
25,000
points
ANZ Rewards Platinum Credit Card
50,000 points and $50 back when you spend $2,000 on eligible purchases in the first 3 months.
A range of complimentary insurances for travel and purchases.
Earn ANZ Rewards Points on everyday purchases.
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ANZ Rewards
ANZ Rewards
1.5 pts
per $1 spent
up to $2,000
then 0.5 pts
per statement period
More info
50,000
points
Take off with 75,000 bonus Velocity Points, if you spend $2,500 on eligible purchases in the first 3 months of approval.
A complimentary return economy domestic flight operated by Virgin Australia, each year until the card is cancelled (Terms and conditions apply).
Two complimentary single entry Virgin Australia lounge passes each year (terms and conditions apply).
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ANZ Rewards
ANZ Rewards
-
75,000
points
after spend criteria

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Q&As about ANZ Rewards Credit Cards from customers

Do all ANZ credit cards earn ANZ Rewards points?

No. ANZ also issues credit cards which earn Qantas Frequent Flyer points, and credit cards which earn no points at all. The ANZ Rewards credit cards all have the words 'ANZ Rewards’ at the beginning of their name.

How much does it cost to belong to the ANZ Rewards program?

There is no cost other than the annual fee for the rewards credit card.

What are the benefits of ANZ Rewards credit cards?

The primary benefit is that you are rewarded for your normal credit card spending in the form of loyalty points which can be exchanged for merchandise and other advantages. Secondary benefits may come in the form of first-purchase bonus points and other complimentary benefits such as travel and shopper’s insurance, free flights and airport lounge passes.

Are there any other benefits apart from earning rewards points?

Rewards points are not the only benefits you can expect to accompany your ANZ Rewards credit card. Depending on the card level and annual fee, you could also receive some of the following privileges, free of any additional charge:

  • Domestic travel insurance
  • International travel insurance
  • Purchase protection insurance
  • Extended warranty cover
  • Best price guarantee scheme
  • Free Virgin domestic return flight annually
  • Two single-entry Virgin airport lounge passes annually
  • Unlimited access to Veloce airport lounges overseas
  • Concierge service
  • Access to invitation-only events

How can I earn ANZ Rewards points?

Points are earned on all eligible purchases you make using the card – everyday spending as well as travel, entertainment and major purchases.

Do all ANZ Rewards credit card transactions earn points?

No. Points cannot be earned on card fees, interest charges, cash advances, balance transfers, foreign currency purchases and gambling or gaming transactions.

What are bonus points for new cardholders?

From time to time ANZ offers bonus points to new cardholders who meet a target spending amount in their first few months of holding the card. This is called a first purchase bonus. For example, ANZ may offer 75,000 bonus points for spending $2,500 in the first three months.

Do supplementary cards earn ANZ Rewards points?

Yes. Both the primary and any supplementary cards earn points on eligible purchases, but all points earned belong to the primary cardholder.

Who can operate the ANZ Rewards points account?

Only the primary cardholder can operate the points account and select redemptions.

What can ANZ Rewards points be redeemed for?

There is a wide range of options. Popular choices include retail gift cards, movie tickets and frequent flyer points with Virgin Australia, Singapore Airlines, Air New Zealand or Cathay Pacific. Points can also be effectively converted into cash (a cashback into your card account) or exchanged for merchandise, travel and charity donations.

Your options for redeeming points include:

  • Conversion to frequent flyer points with Virgin Australia, Singapore Airlines, Air New Zealand or Cathay Pacific
  • Merchandise from an online catalogue
  • Gift cards to spend at major retailers
  • Movie tickets and other entertainment
  • Food and wine
  • Cashback to your credit card or other ANZ account
  • Domestic and international flights
  • Hotel accommodation in Australia and overseas
  • Holiday packages
  • Car hire
  • Donations to charity

If you wish, you can set up auto-redemption and receive your chosen reward whenever you have accumulated enough points, or at intervals specified by you.

What if I don’t have enough points for a particular redemption?

You can choose the 'Points + Pay’ option, which allows you to pay the remainder in cash if you don’t have enough points for your selected redemption.

What is the best way to spend ANZ Rewards points?

Good question. It depends on your lifestyle. If you simply want to recoup the annual fee and then see how much you are earning on top of this, retail gift cards in high denominations may be your best bet. But if you are a regular traveller, you may derive a better dollar value by converting them into airline frequent flyer points.

How many ANZ Rewards points will I earn for each dollar I spend?

Points earning rates per dollar spent vary, depending on which ANZ Rewards card you have. The higher fee cards tend to have higher earning rates, which currently range between 1.0 and 2.0 points per dollar before the monthly threshold is reached. Earning rates per dollar fall when monthly spending reaches a set threshold, e.g. $2,000 per month.

The earning rates per dollar are not set in concrete. That is, the earning rate applying when you first get the card may change down the track.

What is one ANZ Rewards point worth?

The return per point for retail gift cards is about 0.5 cents. Converting ANZ Rewards points to Virgin Velocity frequent flyer points yields a very slightly higher result. Other redemptions, including merchandise from the online catalogue, will usually produce a lower return.

Is there any limit to the number of ANZ Rewards points I can earn?

No. There is no absolute limit or cap on monthly or annual points earning. There is, however, a monthly spending threshold. The earning rate per dollar falls steeply once the threshold is reached.

Do ANZ Rewards points expire?

Yes. Rewards points must be used within 36 months of 31st December of the year in which they were earned. Additionally, if your ANZ Rewards account is closed (because you no longer have an ANZ Rewards credit card, for example) you have 60 days in which to use them before they are cancelled.

Do all ANZ Rewards credit cards charge the same annual fee?

No. The annual fees range from moderate to very high. The higher fee cards allow you to earn points faster, and also have more complimentary benefits attached.

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