anz travel insurance application

• New Zealand
• American Samoa
• Cook Islands
• New Caledonia
• Papua New Guinea
• Philippines
• Solomon Islands
• Timor Leste
• United Arab Emirates
• United Kingdom
• United States of America

Credit card travel insurance

How do I qualify for travel insurance using my credit card?

If you have an ANZ Airpoints Visa Platinum credit card, and you pay for at least half of your pre-paid travel expenses with your card you may be eligible to receive overseas travel insurance.

To check your eligibility, please visit our ANZ travel insurance website

Secure email via Internet Banking

• Send bank mail

0800 269 296

Monday to Friday, 8am - 8pm Saturday and Sunday, 8am - 6pm

• All phone numbers

Visit a branch

• Find an ANZ branch

• International group corporate website
• Allianz Partners Hong Kong
• Allianz Partners Australia
• Allianz Partners Austria
• Allianz Partners Brazil
• Allianz Partners Belgium - Nederlands
• Belgique - Français
• Brasil - Espanhol
• Allianz Partners Colombia - Español
• Česká republika
• Allianz Partners Deutschland
• Allianz Partners España
• Allianz Partners France
• Allianz Partners Greece
• Allianz Partners Indonesia - English
• Allianz Partners Ireland
• Allianz Partners Italia
• Allianz Partners Malaysia
• Allianz Partners México
• Allianz Partners New Zealand
• Nordic & Baltics
• Allianz Partners Portugal
• Allianz Partners Singapore
• Allianz partners Thailand
• Allianz Partners Switzerland - English
• Allianz Partners Switzerland - Deutsch
• Allianz Partners Turkiye
• Allianz Partners UK
• WGEA Employer Statement
• Roadside Assistance
• Easy living
• Emergency Home Assistance
• In the news
• Sustainability

ANZ Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

Information for anz eligible cardholders regarding covid-19 and with a claim event date on and after 27 th april 2022.

Information on this page is correct as of 27 April 2022

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller website and World Health Organisation   (WHO) and Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel.   In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions.  Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1300 135 271.

Are Eligible travellers covered for COVID-19 with this complimentary credit card travel insurance?

This complimentary travel insurance policy is designed to provide cover under select benefits to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under certain sections of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:    ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet   or the  ANZ Business Black Complimentary Travel Insurance Policy Information booklet .  A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible ANZ Cardholders must submit a claim.

Eligible ANZ travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained.  Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the ANZ Complimentary Insurance covers, please refer to the General Exclusions section and the section specific exclusions of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  Premium Cards – Insurances, Insurance Policy Information booklet or the  ANZ Business Black Travel Insurance, Policy Information booklet

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

• where your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of:
•                 by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on                 www.smartraveller.gov.au; or
•                 which was published in a reliable mass media source.
• any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority;  For example, if  Smartraveller has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded.  Or if, a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if an ANZ Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet  or the ANZ Business Black Complimentary Travel Insurance Policy Information booklet     . If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, ANZ Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can ANZ Eligible Cardholders make a claim for consideration?

Every ANZ Eligible Cardholder can submit a claim and have their individual circumstances considered in accordance with the eligibility criteria which includes the terms, conditions, limits and exclusions that apply as set out in the  and the  Premium Cards – Insurances, Insurance Policy Information booklet   or the  ANZ Business Black Travel Insurance, Policy Information booklet.

If you would like to claim, we encourage you to claim online via  www.claimmanager.com.au/anz

Claim Online 

Call our claims team.

ANZ credit card complimentary travel insurance

Wondering what cover you get with anz credit card complimentary travel insurance here’s what you need to know and how to make a claim..

In this guide

Which ANZ credit cards have complimentary travel insurance?

How can you access anz credit card international travel insurance, what's covered by anz complimentary international travel insurance, what's not covered, pre-existing medical conditions, how to make a claim through your anz credit card complimentary international travel insurance policy, other types of anz complimentary credit card travel insurance, anz credit card complimentary insurance for shopping, anz business credit card complimentary insurance options, frequently asked questions, what you need to know:.

• ANZ credit cards with complimentary international travel insurance offer comprehensive cover for up to 6 months in a row when you travel overseas.
• You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
• Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions .
• Do you have a question or need to make a claim right now? Call the insurance provider, Allianz, on 1300 135 271 (from Australia) or +61 7 3305 7465 (from overseas).

If you have an eligible ANZ credit card, you may be able to use this cover when you meet the eligibility requirements in the insurance policy booklet, including (but not limited to):

• Prepayment of at least $250 of your travel costs before you leave Australia
• Having a return overseas travel ticket to Australia before the start of your trip

Cover may also be available for your spouse and/or eligible dependents when both you and they meet the requirements in the policy information booklet.

If you need written confirmation of cover, you can also visit http://www.checkyourcover.com.au/anz or call Allianz on 1300 135 271 for more details.

Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with an ANZ credit card

Example of when you might use this cover on an overseas trip.

If got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:

• Doctor's fees
• Hospital fees
• Changes in your travel plans

Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.

ANZ complimentary international travel insurance for cancellation, delays, accommodation and transport

⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.

Luggage and personal items cover offered with ANZ credit card complimentary insurance

Hijacking, personal liability, death and other cover offered with anz complimentary credit card travel insurance.

Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.

• Hijacking: Unlimited
• Emergency accommodation due to terrorism: Up to $300 per day and a maximum of $3,000 per cardholder or spouse
• Personal safety evacuation: Unlimited
• Personal liability: Up to $3 million per cardholder or spouse
• Legal expenses: Up to $15,000 per cardholder or spouse
• Accidental death: $50,000 per cardholder or spouse, up to $1,000 per dependant
• Funeral expenses: Up to $25,000 for a cardholder or spouse

Note: Unless a specific limit is listed for dependants, any claims related to them will come out of the limit for the cardholder and/or their spouse.

Some of the key things you won’t be covered for with ANZ credit card complimentary international travel insurance include:

• If you don’t follow advice from any government, official body or mass media announcements
• Issues related to drinking alcohol or taking non-prescription drugs
• Travel that’s for the purpose of medical treatment
• If you or your partner give birth during the trip, or there are complications arising after week 26 of the pregnancy
• Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding if the engine has a capacity of 200cc or more

Does ANZ complimentary credit card travel insurance cover pandemics?

Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:

• Overseas emergency assistance
• Overseas emergency medical
• Evacuation and repatriation
• Cancellation
• Additional expenses

If you're travelling with someone who tests positive for COVID-19, some cover is also available under the cancellation and additional expenses benefits.

⚠️ Remember: Check the ANZ credit card insurance policy booklet or call Allianz on 1300 135 271 for more details about COVID-19 claims and any exclusions.

Does ANZ credit card travel insurance cover family members?

Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with your for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.

ANZ’s complimentary credit card international travel insurance offers cover for a select number of pre-existing medical conditions when you meet the requirements, including:

• High blood pressure
• High cholesterol
• Coeliac disease
• Diabetes (types 1 and 2)

If your condition is listed in the policy document, you don't need to apply for written confirmation as long as you meet the following criteria:

• The condition is stable
• You are not waiting for treatment
• You are not waiting on results of medical tests or investigations
• You’re not on a hospital waiting list
• You meet any other criteria specifically listed for your medical condition

Some pre-existing medical conditions have additional requirements. For example, with diabetes, you need to have been diagnosed at least 12 months before your trip. You also can’t have any known cardiovascular, hypertensive or vascular disease – or any related kidney, eye or neuropathy complications.

⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the ANZ credit card complimentary travel insurance policy document.

What if I don't meet the requirements or have a different pre-existing condition?

Call Allianz on 1300 135 271 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered. Keep in mind that a $75 administration fee may apply as part of this process.

Otherwise, you won't get cover for any pre-existing conditions that cause issues. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.

Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.

If it's an emergency, call Allianz on +61 7 3305 7465 when you're overseas or 1300 135 271 in Australia. You can also submit a claim online by following these steps:

• Go to the Allianz online claims portal at https://claimmanager.com.au/anz/agreement
• Confirm you agree with the terms and conditions, then select "Create new claim"
• Select the "Credit card insurance" option and provide details of your card
• Fill in the details on the claim form and upload your supporting documentation

You will be contacted about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Photo evidence
• Police reports

Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the ANZ card insurance policy booklet – plus anything that could become supporting documentation for claims.

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
• Cancellation: Up to a maximum of $3,000.
• Travel delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
• Additional expenses: Up to $3,000.
• Luggage: Up to $750 per covered item with a maximum of $2,000.
• Luggage delay: After a delay of 12 hours or more, $150 per person up to a maximum of $400 for all claims combined.
• When can I use it? If you have paid for your return domestic flight with your eligible ANZ credit card before you leave. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs before you leave (such as accommodation).
• Is there an excess cost? There is a $100 excess cancellation, additional expenses and luggage claims.

Rental vehicle excess in Australia insurance

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,000.
• When can I use it? If you’ve used your ANZ credit card to pay the full cost of the vehicle rental.
• Is there an excess cost? $100 per claim.

How to make a claim under one of these policies

ANZ credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:

• Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
• Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.

Don’t have complimentary insurance on your credit card yet? Compare ANZ credit cards or other cards that offer insurance .

All ANZ business credit cards offer complimentary unauthorised transaction insurance. Some also offer complimentary international travel insurance and transit accident insurance. Here’s a summary for different ANZ business cards:

Have an ANZ credit card that’s not on this list? Check the terms and conditions available on the ANZ website to see if your card is eligible. Or, look at ANZ travel insurance you can get without a credit card.

Can I get proof of my cover?

Yes. If you’re going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/ANZ .

Is pregnancy covered by this travel insurance?

Pregnancy is treated as a pre-existing medical condition but some cover may be available for complications of your pregnancy caused by injury or sickness. This includes naturally conceived and medically assisted (e.g. by IVF) pregnancies. If there were complications before you became eligible for cover, you typically won't get cover for pregnancy-related claims.

There are also exclusions related to pregnancy, such as for antenatal care. Make sure you read the ANZ credit card complimentary insurance booklet for full details, or call Allianz on 1300 135 271.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

More guides on Finder

The ANZ Rewards Platinum Credit Card offers up to 100,000 bonus Velocity Points and a range of complimentary insurance covers.

With 130,000 bonus Qantas Points and complimentary insurances, the ANZ Qantas Business Rewards Credit Card could be an appealing option for business owners.

This entry-level card offers a low annual fee, a $200 digital gift card offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.

Receive $250 back to your card with this promo offer. Plus, save with a competitive 13.74% p.a. purchase rate.

This platinum card offers a $0 first-year annual fee, $300 credit back offer and complimentary insurance covers.

This business rewards credit card offers 100,000 bonus ANZ Reward Points, transfers to Qantas Frequent Flyer and data feeds for accounting software. So is it right for you?

The ANZ Frequent Flyer Black has a competitive bonus Qantas Points offer and perks including Qantas Club Lounge invitations and complimentary insurance. Weigh up if it's worth the $425 annual fee.

Compare the features of the ANZ Rewards Black, including 180,000 bonus points offer, a high earn rate and complimentary insurance.

The ANZ Rewards Platinum Credit Card offers a competitive rewards program, 100,000 bonus ANZ Reward Points and a range of complimentary insurance covers.

This entry-level card offers a $0 first-year annual fee, $125 credit back offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.

Ask a Question

Click here to cancel reply.

You are about to post a question on finder.com.au:

• Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
• finder.com.au is a financial comparison and information service, not a bank or product provider
• We cannot provide you with personal advice or recommendations
• Your answer might already be waiting – check previous questions below to see if yours has already been asked

153 Responses

Does my complimentary travel insurance also cover my wife travelling with me

Hi Bob, Yes, if your wife is travelling with you for the entire trip and both of you meet the requirements, you’ll both be able to use this travel insurance. If you have more specific questions about this cover, you can also contact the insurer Allianz on 1300 135 271. I hope this helps.

We are going on a 35 day cruise going around Australia with many stops in Australia and also one stop in Denpasar Indonesia and 3 stop around New Zealand. The Cruise starts in Sydney and finish in Sydney. I’m using my ANZ Platinum card, are we covered?

Hi John, The international travel insurance policy for the ANZ Platinum Credit Card has a definition for “overseas” that includes “when you are aboard a foreign registered cruise vessel in Australian territorial waters.” So if the cruise ship is registered outside Australia, it’s possible you would be covered. But you should call the insurance provider, Allianz, on 1300 135 271 to check the details specific to your travel plans. I hope this helps.

Hi I am about to turn 81 years of age will I still be covered by my Platinum card. If not will my wife who is 76 be covered even if I am not.

Hi Ron, If you meet the other eligibility requirements for cover before you turn 81, you would be eligible for this cover. This means you would need to spend at least $250 of your prepaid travel expenses on your eligible ANZ Platinum card, have a return overseas travel ticket before you leave Australia and meet the residency requirements. Your wife would also be eligible if you met the eligibility requirements. If you have further questions, you can contact the insurance provider Allianz on 1300 135 271. I hope this helps.

Does paying for car hire on a trip count for the $250 you need to put on your platinum Visa card for Domestic travel insurance?

Hi Clare, Car hire would generally be considered as a pre-paid travel cost. A sit’s not specifically mentioned in the ANZ Platinum and Black Complimentary Insurance policy booklet, it’s a good idea to call the insurance provider, Allianz, on 1300 135 271 to check your eligibility. I hope this helps.

HI I’ve been diagnosed with Motor Neurone Disease and have a trip to Bali on May 25th. Will I still have coverage under a frequent flyer Anz black card if I need to be flown back to Australia. Many thanks.

Unfortunately, Motor Neurone Disease is not one of the pre-existing medical conditions that is listed as being covered without an assessment. But you can call Allianz on 1300 135 271 to organise an assessment of your condition, which may allow you to get written confirmation from Allianz that the pre-existing medical condition is covered. A $75 administration fee may apply as part of this process.

Alternatively, you can compare travel insurance for pre-existing conditions and learn more about different options on Finder. I hope that helps.

How likely would you be to recommend Finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

Advertiser disclosure.

finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

How we make money

We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.

Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .

Sorting and Ranking Products

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

Terms of Service and Privacy Policy

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

• Bank accounts Everyday/savings & term deposits
• Credit cards Low interest rate, rewards frequent flyer & platinum
• Home loans Buying, refinancing & investing in property
• Personal loans Debt consolidation, buying a new or used car, renovations and more
• Insurance Get on top of your home, life, income and car insurance
• Superannuation and retirement Superannuation and retirement options
• Travel & international Travel and foreign exchange
• Ways to bank Internet & mobile banking, ATMs & more
• Financial wellbeing Discover tools, tips and insights to help you get on top of your money
• Private banking Specialised banking and advice for high net worth individuals
• Intermediary deposits A service for third party advisers offering ANZ deposit products
• Security hub Helping you to bank safely and stay alert to scams and fraud

Fraud protection. Now it’s personal.

ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud. 

Visit our security hub

Falcon® is a registered trademark of Fair Isaac Corporation.

• See all Business
• Business finance Check out our flexible loans and cash flow options to seize your next business opportunity
• Business credit cards Grow your business potential with one of our business credit cards
• Business accounts Accounts and term deposits to help you manage your cash flow and earn interest
• Merchant and payments From EFTPOS machines to online payments, we have solutions to meet all your in-person payment needs
• Financially Ready Hub Access tools, tips and financial insights for small business
• Online business banking Choose from a range of online business banking options depending on your business needs
• International business Grow your business with our tailored international trade and foreign exchange solutions
• Indigenous Banking Services Tailored solutions to support Indigenous Small Business owners
• Business protection Helping your business to bank safely and stay cyber secure
• Business support
• Business banking offers
• Institutional & Corporate
• Industries Industry advice and support across a range of key sectors
• Our expertise Our banking credentials, global reach and areas of expertise
• Solutions World-class banking solutions tailored to suit your business needs
• ANZ Insights In-depth insights and analysis from our dedicated teams
• ANZ Digital Services All your banking platforms such as Transactive - Global, Transactive Trade, FX Online and more
• Security centre Stay protected from ever-changing cybersecurity threats
• Global network We operate in close to 30 markets around the world, including more than 10 markets across Asia
• ANZ Research Global economics, industry research and forecasts
• Rates, fees, terms, taxes and disclosures Rates, fees, terms, and taxes for our products
• Contact us Contact details for Institutional and Corporate customers

  ANZ Transactive – Global

Explore more

Digital Services status

Online resources

Security device user guide

• Internet Banking
• Register for Internet Banking
• Close mobile menu Personal

Credit cards

• ANZ Rewards Black
• ANZ Rewards Platinum
• ANZ Frequent Flyer Black
• ANZ Frequent Flyer Platinum
• ANZ Platinum
• ANZ Low Rate
• Compare and apply
• Credit card finder
• Credit card education landing page

For everyday or just those rainy days, a credit card may come in handy.

Whether you’re after Rewards Points or Qantas Points, or a low fee or low-rate card that simply gets the job done, compare our range to find the best credit card to suit your needs.

Plus, when you get a credit card with us, you also get 24/7 anti-fraud protection thanks to ANZ Falcon®.

Find a card to suit you Compare all cards

What credit card might suit you?

Low fee or low rate credit cards   .

I want a credit card with a lower interest rate or annual fee.

Reward Points credit cards   

I want to earn Reward Points disclaimer and redeem them for things like gift cards and airline partner points. disclaimer

Frequent Flyer credit cards  

I want to earn Qantas Points disclaimer  and start booking flights, hotels and travel upgrades.

Is 0% p.a. interest on a balance transfer for a 28 month promo period music to your ears?

3% Balance Transfer fee applies. See our latest balance transfer offer, available with a new ANZ Low Rate credit card. disclaimer

Tell me more

28-month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promotional period, currently disclaimer T&Cs, eligibility criteria, fees & charges apply (including an annual fee, $0 for the first year, currently $58 thereafter).

Low rate or fee credit cards

ANZ First credit card

This credit card has the lowest annual fee disclaimer compared to all other ANZ credit cards.

$1,000 Minimum credit limit

$30 Current annual fee disclaimer

See ANZ First

Earn $125 credit back to your new card

when you spend $750 on eligible purchases in the first 3 months from approval of your new ANZ First credit card. disclaimer Plus, get a $0 annual fee in the first year. disclaimer

T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $30 thereafter). disclaimer

ANZ Platinum credit card

Annual fee waived each year if you spend $20,000 or more on eligible purchases (less refunds or reversals) disclaimer

$6,000 Minimum credit limit

$87 Current annual fee disclaimer

See ANZ Platinum

Earn $300 credit back to your new card

when you spend $1,500 on eligible purchases in the first 3 months from approval of your new ANZ Platinum credit card. disclaimer

T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $87 thereafter). disclaimer

ANZ Low Rate credit card

Our lowest interest rate on purchases disclaimer at 

$58 Current annual fee disclaimer

See ANZ Low Rate

Earn $250 credit back to your new card

when you spend $1,500 on eligible purchases in the first 3 months from approval of your new ANZ Low Rate credit card. disclaimer

T&Cs, eligibility criteria, fees and charges apply.

0% p.a. balance transfer rate for a 28 month promo period

with a 3% balance transfer fee and $0 annual fee in the first year. disclaimer

28-month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promo period, currently disclaimer

T&Cs, eligibility criteria, fees & charges apply (including an annual fee, $0 for the first year, currently $58 thereafter).

Rewards Points credit cards

ANZ Rewards Black credit card

Highest ANZ Reward Points earn rate disclaimer

$15,000  Minimum credit limit

$375  Current annual fee disclaimer

See ANZ Rewards Black

How to use ANZ Rewards Points 

Earn 180,000 extra ANZ Reward Points and $150 credit back to your new card

when you spend $3,000 on eligible purchases in the first 3 months from approval of your new ANZ Rewards Black credit card . disclaimer

New Rewards card. T&Cs, eligibility criteria, fees and charges apply.

ANZ Rewards Platinum credit card

Uncapped ANZ Reward Points earn rate disclaimer 

$149 Current annual fee disclaimer

See ANZ Rewards Platinum

Earn 100,000 extra ANZ Reward Points disclaimer and $50 back to your new card

when you spend $2,000 on eligible purchases in the first 3 months from approval of your new ANZ Rewards Platinum credit card. disclaimer

Earn up to 100,000 bonus Velocity Points disclaimer

Get 70,000 bonus Velocity Points when you spend $2,000 on eligible purchases in the first 3 months from approval of your new ANZ Rewards Platinum card. disclaimer Plus, an additional 30,000 Velocity Points when you keep the card for more than 15 months. disclaimer 

To be eligible, switch on and keep on auto-redemption within 3 months from approval. New Rewards card. T&Cs, eligibility criteria, fees and charges apply.

Frequent flyer credit cards

ANZ Frequent Flyer Black credit card

ANZ's highest Qantas Points earn rate disclaimer;

$15,000 Minimum credit limit

$425 Current annual fee disclaimer

See Frequent Flyer Black

Earn up to 130,000 bonus Qantas Points! 

Earn 90,000 bonus Qantas Points and $200 credit back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months. disclaimer

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply.

ANZ Frequent Flyer Platinum credit card

Uncapped Qantas Points earn rate disclaimer

$295 Current annual fee disclaimer

See Frequent Flyer Platinum

Earn 75,000 bonus Qantas Points and $100 credit back to your new credit card

when you spend $2,500 on eligible purchases in the first 3 months from approval of your new ANZ Frequent Flyer Platinum credit card. disclaimer

Need help choosing a credit card?

Popular features, balance transfer.

Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment.

Buy now, repay later

ANZ Instalment Plans disclaimer could be a handy way to repay your eligible credit card purchases over 3, 6 or 12 months.

Earn cashback when you shop

Earn cashback from more than 2,000 popular retailers when you shop through Cashrewards. disclaimer Tap 'For You' in the ANZ App to see latest offers.

Ways your credit card is protected

Anz falcon® fraud protection.

ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.

Fraud money back guarantee

Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs. disclaimer

Card security microchip

An embedded card microchip makes it harder for your card to be fraudulently copied.

Visa secure

(formerly known as verified by visa).

Some added peace of mind to securely shop online. 

Help and support

Getting started.

Activate card and set PIN  

Set up automatic payments  

Add a card to your digital wallet  

Interest rates, fees & terms  

Using your card

Order a replacement card  

Set up instalment plans  

Dispute a transaction  

Decrease limit or close account  

Forms and Documents  

Emergency assistance

Lost or stolen cards  

Financial assistance  

Gambling help  

Other help topics

Notify us of travel  

Credit card insurance  

Join Cashrewards  

Redeeming Rewards  

More Help and Support

Credit card education

How to choose a credit card  

See how balance transfers work  

Understand how credit card interest works  

Tips to help pay your credit card debt faster  

More credit card articles

Your questions answered

What is a credit card.

A credit card is a credit facility which allows you to borrow money from the bank to make purchases and get cash advances. Each credit card has a credit limit which is the amount you have been approved to spend on your card. Read “What is a credit limit” in our FAQ for more information on credit limits.

When you take out a credit card you agree to pay back the money you borrow plus any applicable interest, fees and charges.  Learn more  about ANZ’s interest rates, fees and charges.

Why get a balance transfer?

A balance transfer could help you manage your card repayments. By transferring the outstanding balance of your other credit or store card accounts to an ANZ Credit Card Account and closing those other accounts, you only have to manage one card. 

Transferring your balance to a Credit Card Account with a lower interest rate could help you save on interest which means you can pay off your balance faster.  

What is a credit limit?

The credit limit is the amount you have been approved to spend on your credit card.

• From time to time there may be a debit made to your Credit Card Account, which, if processed, would temporarily result in the outstanding balance exceeding your credit limit.
• ANZ has an informal overlimit facility to help you in these circumstances.
• Please note an overlimit fee will be charged in these circumstances.
• You can ask ANZ to decline certain transactions so that you don't exceed your credit limit. 
• Please refer to the ANZ Credit Cards Conditions of Use for further information.

What happens if I miss the due day for a repayment?

You must be sure you will be able to repay a credit card before you take one out. If you miss a repayment due date you may have to pay interest and other fees and charges. It’s really important to understand your payment obligations and how credit card statements are structured. Our credit card education section contains a lot of useful information on your payment obligations and how credit cards work.

Can I change from one type of ANZ credit card to another?

Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only.  

To request a change of credit card, choose one of the following options.  

Log on to ANZ Internet Banking and select your credit card account  

Over the phone:

Call 13 22 73  between 7am-11pm (AEST) 7 days a week.

Call +61 3 9683 9999 from overseas.

Connect with our specialists

Our team are available Monday to Friday from 8am to 8pm (AEST).

Call 13 22 73

Visit us in person

Book an appointment at your local branch or see a map of our branch locations.

Book an appointment  

Find a location or specialist  

Get help with your application

We're here to answer your application questions and help you get started.

Request a callback

Important information

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

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.

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.

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.

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.

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) .