ANZ Rewards Visa Card – Details and Application
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With ANZ Rewards Australia, you choose the way you’re rewarded from over 500 choices. These can include cash back and shopping vouchers. Open up a world of opportunity with the ANZ Rewards Credit Card.
| Product Name | ANZ Rewards Credit Card | |
|---|---|---|
| Balance Transfer Rate | 0% p.a. for 9 months | |
| Interest Rate on Purchases | 19.39% p.a. | |
| Offer end date | 30 June 2013 | |
| Annual Fee | $89 p.a. (which includes a $34 annual account Fee and a $55 Rewards Program services fee) | |
| Interest Free Period | up to 44 days | |
| Interest Rate on Cash Advances | 20.99% p.a. | |
| Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
|
$1,000 | |
| Max Credit Limit | $15,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | American Express/Visa | |
| Late Payment Fee | $20 | |
| Complimentary Travel Insurance | No | |
| Available to Temporary Residents | No | |
| Joint Application | No |
Features of the ANZ Rewards Visa Card
- 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 19.39% p.a. on purchases and 20.99% p.a. on cash advances
- Total Annual Fee of $89 p.a. (which includes a $34 annual account Fee and a $55 Rewards Program services fee) for new applicants
- Earn 3.00 Reward Points for every $1 spent on purchases using your ANZ Rewards American Express card
- Earn 1.50 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
- 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 credit card rewards programs, ANZ has loaded this card with competitive features. 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 could be 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. If you feel that you are being pushed into making extra purchases on your credit card just to boost your points, this card is a viable alternative.
Auto-Redemption:
When you’re ready to redeem your ANZ 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. You can exchange these 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 partners, including Qantas and Accor Hospitality.
How to apply?
If you have compared cards and decided to apply for the ANZ Rewards Credit Card, make sure you have your licence details or other form of identification, your financial statements, details of you employer and pay slips. Then click the "apply now" button below. If you need more information before you apply, click on the "find out more" button.
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 This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $1,000 | |
| Max Credit Limit | $15,000 |
| Annual Fee | $89 p.a. (which includes a $34 annual account Fee and a $55 Rewards Program services fee) | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $20 | |
| Over Limit Fee | $20 | |
| Overseas Emergency Replacement | $0 | |
| Overseas ATM Balance check | $0 | |
| Overseas ATM Withdrawal | $4 | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $10 | |
| Number of Additional Cardholders | 3 |
Read the ANZ Rewards Credit Card terms and conditions.
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30 Responses to ANZ Rewards Visa Card – Details and Application
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I was advised by an ANZ branch that the points for the ANZ Visa rewards credit card expired within 3 years however the Credit card finder website states that ‘Rewards points never expire as long as your account remains open’, could you please verify this?
Thanks
Chris
Hi Chris. Thanks for alerting to this typo. The page has been updated. According to the ANZ Rewards Visa Card Terms and Conditions, ‘Reward Points must be used to claim a reward within 36 months of 31 December of the year in which the Reward Point were added to a points record. Reward Points that remain unused after that period will be cancelled. In the event your card account is closed, any Reward Points that remain unused must be used within 60 days of the date of closure. Reward Points that remain unused after that period will be cancelled.’ Thanks for your question.
What is the supplementary card holders fee?
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
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.
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
Can you tell me if there is an additional charge for more card holders?
Hi Paula,
Yes, there is a fee for each additional card holder plus an additional fee 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
Can I apply for this credit card under my company name?
Hi Joel. Thanks for your question. You can’t apply for this card under a company name. But ANZ do offer a business credit card. Please check our business credit card comparison page for further information. Sorry for the late reply. Jacob.
I don’t currently have a qantas membership. I would consider an additional card for my husband – could we link his membership or do I have to get my own one and would there be an additional fee
Hi Mary. If there is an additional cardholder added to the ANZ Rewards Visa Credit Card, they will accrue points for the frequent flyer membership that is linked to the primary cardholder. Each additional frequent flyer membership wil incur an additional membership fee. Thanks for your question.
I’m an existing customer of ANZ and would like to apply for the ANZ rewards card. Is the annual fee of $48 for the first year only or for every year I keep the card? Thanks.
Hi Shelly. Thanks for your question. The annual fee of $48 is charged for the first year only. Every year after that the full fee of $89 a year is payable. Cheers.
How many points do I need for a 1 return ticket to London?
Hi Rod. According to the ANZ Rewards website: ’335,970 points + tax or points + pay’ are needed to get to Heathrow London – economy class return. Thanks for your question.
Can you make business purchases with this credit card?
For example; paying a bill to a supplier.
Hi Wade. Thanks for your question. You can use your card for to make business purchases, but you may not earn points. You will not earn Reward Points on interest charges; government charges; bank fees; cash advances (as defined in the ANZ Credit Cards Conditions of Use) and card account adjustments resulting from disputed transactions. The terms and conditions say nothing about not earning points on business purchases, check with your lender for further clarification. Cheers.
Can I earn reward points for paying university fees with this Credit Card?
Hi Christine,
that’s a great question.
According to ANZ points can be earned for paying university fees, as long as there’s no biller code reference number attached to the fee.
I hope this helps,
Marc.
Can you only use the award points with qantas or other airlines.
Thank you
Hi Kerri. According to the ANZ Rewards Website, ‘If you’re already a member with Air New Zealand, Asia Miles™, Singapore Airlines or Velocity Frequent Flyer, or if you’re considering becoming one, your ANZ Rewards lets you redeem your Reward Points for points or miles in these programs.’ Hope this helps.
I am trying to find the balance of points accrued on my Visa card, but your web site keeps rejecting my details { which haven’t change for 10yrs!!
Hi Pamela. How strange. Please contact an ANZ customer service agent to confirm your details and log in information. Jacob.
Do you accrue points on Bpay purchases?
Hi Graeme. Thanks for your question. It depends on the merchant. If the merchant is set up to accept BPAY payments then the transaction will be treated as a purchase. If they aren’t, then it will be treated as a cash advance and you won’t earn points. If you’re having doubts about this, you can call ANZ and they will confirm whether it will be a purchase or a cash advance. Jacob.
Can I put through business expenses i.e. inventory items on this card?
I have seen from previous questions that I can use the card but not claim points. With thanks
Hi James. Thanks for your question. I’m not sure I understand this question. According to the terms and conditions, ‘You will not earn Reward Points on interest charges; premiums paid for ANZ Credit Card Insurance; government charges; bank fees; cash advances (as defined in the ANZ Credit Cards Conditions of Use) and card account adjustments resulting from disputed transactions.’ You can redeem points through the ANZ Rewards Website. Jacob.
Hi James. Thanks for your question. Although this card is intended for personal use, there is nothing that stops you from using it to pay for business inventory items. You an even earn points on these transactions. Points will be earned on all transactions except, ‘You will not earn Reward Points on interest
charges; premiums paid for ANZ Credit Card Insurance; government charges; bank fees; cash advances (as defined in the ANZ Credit Cards Conditions of Use) and card account adjustments resulting from disputed transactions’ – ANZ Rewards Terms and Conditions.
Jacob.