ANZ Rewards Visa Card – Details and Application
What happens when I click Apply Now?
- Clicking Apply will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
- Your application will typically take you no more than 10-15 minutes to complete
- Once approved, you will receive your credit card in the mail within 1-2 weeks
ANZ is a solid stable company and you can rely on them to provide superior service. It is important to note that your credit card provider is there for you when you need assistance and to help you work out any issues that may arise.
With one of the most flexible reward programs in Australia, you choose the way you’re rewarded from over 500 choices including cash back and shopping vouchers. Open up a world of opportunity with the ANZ Rewards Credit Card.
Interest Rates, Fees & Charges
| Interest Rate on Purchases |  |
19.89% p.a. |
|---|---|---|
| Annual Fee | |
$89 |
| Interest Free Period | |
up to 44 days |
| Cash Advance Rate | |
20.99% p.a. |
| Card Type | |
Standard |
| Minimum Income Requirement | |
$15,000 p.a. |
| Credit Card Type | |
American Express/Visa |
| Rewards Program | |
Yes |
| Additional Cardholder Fee | |
$10 p.a. |
- Redeem points for a huge selection of rewards including Shopping Vouchers, Gift Cards, Merchandise, Travel Options and much, much more
- Up to 44 days interest free credit on purchases
- Interest rate of 19.89% p.a. on purchases and 20.99% p.a. on cash advances
- Total Annual Fee of $89 for new applicants
- Earn 2 Reward Points for every $1 spent on purchases using your ANZ Rewards American Express card
- Earn 1.5 Reward Points for every $1 spent on purchases using your ANZ Rewards Visa card
- Set up auto-redemption so that your chosen reward is automatically sent to you when you become eligible to receive it
- Rewards points never expire as long as your account remains open
- Variable Points Plus Pay option
- Book flights online with ANZ Holiday Rewards
- Visa entertainment provides you with access to special events, exclusive merchandise packages and home entertainment products
- Three additional cardholders can be added to your account.
- The Visa credit card is accepted worldwide wherever you see a Visa sign.
- Suspicious transactions are closely monitored using a 24/7 Falcon system.
- Access to ANZ car-rental cover.
ANZ Rewards Visa Review
Offering one of Australia’s best credit card rewards programs, ANZ has loaded this card with great value and assorted benefits. Not only do you receive everything you would expect from a regular Visa card, you also have access to one of the leading rewards programs in the country and a greater earn rate with an American Express credit card.
The ANZ Rewards Visa credit card rewards you for every dollar spent on your credit card, except for cash transactions such as ATM withdrawals, or cash-equivalent transactions such as purchasing traveller’s cheque or foreign currency.
ANZ Rewards Visa offers a wide selection of rewards, including shopping vouchers and gift cards, merchandise and gifts, frequent flyer points, travel and accommodation, and entertainment.
This is an ideal card if you want to be rewarded for any purchases that you make. You will receive points for every dollar that you spend on your and it is quite easy to accumulate points. Once you have built up enough points you can start shopping for items such as merchandise, shopping vouchers and various experiences. These points will be added to your account any time you make a purchase anywhere that Visa and American Express are accepted worldwide.
Variable Points Plus Pay option:
This option allows you to claim a merchandise reward before you have earned sufficient points. With variable Points Plus Pay on merchandise rewards you can decide how many reward points to redeem (a minimum of 2,000 in increments of 5) and then pay for the rest of the reward (a minimum $5) using your ANZ Rewards Visa credit card. This means you do not have to wait for too long to claim the goods you want or feel that you are being pushed into making extra purchases on your credit card just to boost your points.
Auto-Redemption:
When you’re ready to redeem yourANZ Rewards Visa points, you can choose from shopping vouchers and gift cards, merchandise and gifts, frequent flyer points, travel and accommodation, and entertainment offers. Shopping vouchers and gifts cards are available in denominations of $20, $50 and $100 to exchange at some of Australia’s leading retailers. You can also choose how you redeem your reward points, either via an auto-redemption or a manual option. With the auto-redemption option, there are three choices:
- Annual Auto-Redemption (once a year)
- Periodic Auto-Redemption (every 3, 6 or 12 months)
- Reward Value Auto-Redemption (whenever your Reward Points accumulate to the reward value of your choice)
With the manual option you can save up for as long as you want and make your choice whenever you please.
How to earn extra points
You can earn additional points on your ANZ Rewards credit card by shopping with bonus partners, including Qantas and Accor Hospitality.
Hopefully this credit card review has given you enough information to make an informed decision about the ANZ Rewards credit card. This is truly an amazing card backed by a stable company
Read the ANZ Rewards Credit Card terms and conditions.
| Minimum Income | $15,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | No | |
| Credit Rating Requirement | Good | |
| Min Credit Limit | $1,000 | |
| Max Credit Limit | $15,000 |
| Annual Fee | $89 p.a. | |
|---|---|---|
| Minimum Repayment | 2.00% | |
| Interest Charged From | Purchase Date | |
| Late Payment Fee | $20.00 | |
| Over Limit Fee | $20.00 | |
| Overseas Emergency Replacement | $0 | |
| Overseas ATM Balance check | $0 | |
| Overseas ATM Withdrawal | $4.00 | |
| Gambling Transactions Allowed | No |
| Rewards Points per Dollar | AMEX:2 VISA:1.5 Point(s) | |
|---|---|---|
| Points needed for Syd/Mel Return Flight | 31000 | |
| Points needed for $100 Voucher | 9990 |
What is the supplementary card holders fee?
Do you offer credit cards for temporary residents of Australia? I will soon be an international postgraduate student and would like an Australian credit card.
Can you tell me if there is an additional charge for more card holders?
Hi Paula,
Yes, there is a charge of $10 for each additional card holder plus an additional $55 to place that person on the cards reward scheme, so $65 for each new card holder for full access to the cards benefits. Thanks.
Cheers.
Jeremy
Hi,
To be eligible for an Australian credit card, most if not all companies require that you are a permanent resident but it would be best to consider speaking to someone at a bank branch in person. There have been instances in the past where users have been able to get a credit card issues while on a Visa. Thanks for your question.
Cheers
Jeremy
Hi,
A supplementary card holders fee is a fee incurred for adding another person to your credit card so they can use it. A supplementary card holder does not have the same level of access as the primary card holder but they can still make purchases. Hope this clears things up.
Cheers,
Jeremy