Credit cards

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).

Minimum Redemption thresholds apply. To redeem ANZ Reward Points for frequent flyer points, airpoints or airmiles, you must be a member of the relevant program and an ANZ Rewards Account Holder. Refer to the relevant program terms and conditions for details: Velocity Member Terms and Conditions, KrisFlyer Terms and Conditions, Airpoints Terms and Conditions and Asia Miles. ANZ Reward Points are subject to ANZ Rewards – Rewards Program Terms and Conditions (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.

Applications for credit are subject to ANZ’s eligibility and credit approval criteria. 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.

Offer available in respect of balance transfers requested from Australian non-ANZ credit and store cards only at the time of applying for the new ANZ credit card. ANZ will process the balance transfer requested and any applicable fees up to 95% of your approved credit limit. Depending on the credit limit we approve, this might be less than the full amount of the amount of balance transfer you request when you apply.

The balance transfer Promotional Plan annual percentage rate expires 28 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 28 months the standard balance transfer annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. The standard balance transfers annual percentage rate is currently for ANZ Low Rate Card, and is subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF).

See the ANZ Credit Card Conditions of Use (PDF) and the ANZ Personal Banking Account Fees and Charges (PDF) for more information about fees and charges. If you transfer to a different credit card account this offer will cease to apply.

The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 3% of the balance transferred and will be applied at the time the balance is transferred and forms part of the Promotional Plan balance.

After the first year an annual fee applies, currently $58. Please see the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Credit Cards Conditions of Use (PDF).

The annual fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at  and is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF).

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. Eligible purchases includes purchases made using your ANZ Credit Card Account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $125 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $125 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $125 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached the ANZ Credit Card Conditions of Use (PDF).

After the first year an annual fee applies, currently $30. Please see the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Credit Card Conditions of Use (PDF).

The ANZ Platinum Annual Fee will be waived in the first year. In each subsequent year, if Eligible Purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next Annual Fee will be waived. The date Purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last Annual Fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your Annual Fee) and ends on the day your next Annual Fee would be charged. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of Eligible Purchases excluding refunds and reversals in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change.

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. Eligible purchases includes purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $300 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $300 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $300 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you are in default or breached the ANZ Credit Card Conditions of Use (PDF).

The standard annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.

The annual fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF).

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 approval. The date of approval of an application is the disclosure date specified in your Letter of Offer.

Eligible purchases include purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions, and will not qualify.

The $250 will generally be credited to your credit card account within three months meeting the spend criteria. The $250 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ.

You will not be eligible for the $250 back if your credit card account is cancelled, suspended, transferred, or you are in default or breach of the ANZ Credit Card Conditions of Use (PDF).

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 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.

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.

Minimum redemption threshold applies. Allow up to 5 business days for your Velocity Points to be allocated to your account. To redeem Reward Points for Velocity Points, individuals must be both an ANZ Rewards account holder and a Velocity Frequent Flyer member. Velocity membership and Velocity Points earned and redeemed are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com/termsandconditions as amended from time to time. Once ANZ Reward Points have been redeemed for Velocity Frequent Flyer Points, they are governed by the Velocity Frequent Flyer Program Terms & Conditions and cannot be reversed. ANZ holds no responsibility for flight availability, which may be limited, or any other redemption items available at velocityfrequentflyer.com. Flight availability is at the sole discretion of Virgin Australia and airline partners.

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.

If approved, you must activate the card, turn on auto-redemption to Velocity Points and 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 Reward Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). To be eligible for this offer, you must set up auto-redemption within 3 months from the date of approval and automatically transfer your ANZ Reward Points to Velocity Points for a consecutive period until the bonus Velocity Points under this offer are made available for redemption. The 70,000 bonus Velocity Points will be available for redemption within 3 months of meeting the spend criteria. The 30,000 bonus Velocity Points will be available for redemption within 3 months of keeping your credit card for 15 months. The bonus Velocity Points available under this offer will not be credited if your credit card is cancelled, suspended, transferred, or if you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) prior to the bonus Velocity Points being credited to your Velocity account. 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 starts 12:01am (AEDT) on 15 May 2024 and ends at 11:59pm (AEDT) on 15 November 2024.

To enable you to redeem the 70,000 bonus Velocity Points, we will send you an: (i) SMS with a link to a redemption website and your Reward Code to enable you to continue with the redemption process; or (ii) Email to the email address listed on your ANZ account with a link to a redemption website to switch on ANZ Rewards Auto-Redemption for Velocity Points with and your Reward Code to continue with the redemption process.

To enable you to redeem the 30,000 bonus Velocity Points, we will send you an: (i) SMS with a link to a redemption website and your Reward Code to enable you to continue with the redemption process; or (ii) Email to the email address listed on your ANZ account with a link to a redemption website and your Reward Code to continue the redemption process.

The redemption website is powered by Digital Glue Pty Ltd ABN 36 127 466 899. It may take up to 90 days from the eligible criteria being met to receive your SMS or email. You must redeem the Reward Code for the eligibility offers before the expiry date listed in the SMS or email, otherwise you will forfeit any entitlement to do so.

To redeem ANZ Reward Points for Velocity Points, individuals must be both an ANZ Rewards account holder and a Velocity Frequent Flyer member. Upon accruing ANZ Reward Points to the value of the minimum threshold set-up on auto-redemption, allow up to 5 business days for your Velocity Points to be allocated to your account. Velocity membership and Velocity Points earned and redeemed are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com/termsandconditions as amended from time to time. Once ANZ Reward Points have been redeemed for Velocity Frequent Flyer Points, they are governed by the Velocity Frequent Flyer Program Terms & Conditions and cannot be reversed. ANZ holds no responsibility for flight availability, which may be limited, or any other redemption items available at velocityfrequentflyer.com. Flight availability is at the sole discretion of Virgin Australia and airline partners.

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.

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 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.

Approval, eligibility criteria and T&Cs apply. Fees and charges may apply.

Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply.  Please visit Cashrewards for further details.

Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF).