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 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 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.

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 quoted redemption fares are correct as at 1 May 2024 and are subject to change. Fares are subject to availability. Melbourne to Sydney (Economy) Points value is based on a one-way domestic Economy Reward Seat redemption for 6,200 Velocity Points plus $42.77 in taxes, fees and carrier charges with Virgin Australia. Melbourne to Sydney (Business) Points value is based on a one-way domestic Business Reward Seat redemption for 15,500 Velocity Points plus $42.77 in taxes, fees and carrier charges with Virgin Australia. Brisbane, Melbourne, or Sydney to San Francisco Points value is based on a return international Economy Reward Seat redemption for 89,600 Velocity Points plus a range of $165 to $203 in taxes, fees and carrier charges with United Airlines. Reward Seat redemption bookings must be made on the Virgin Australia website and selecting “Use Points”. Taxes, fees and carrier charges are payable in addition to Velocity Points redeemed. Price may vary until ticketed. Reward Seats and associated charges are not eligible for Points earn. Seats are limited and may not be available at peak times or on all flights. Payment surcharge may apply. You can change or get a refund for your booking by paying a fee and any fare difference, at least 24 hours before scheduled departure. You may also request a refund for other reasons, including under the Australian Consumer Law. View the Velocity Reward Seat fare rules for more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions at velocityfrequentflyer.com.

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF). Existing customers should review their credit contract for information regarding their account.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders.

ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice.

Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.

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.

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF), Fitbit Pay (PDF) and Garmin Pay (PDF).

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