ANZ Rewards Visa – Earn Rewards Points With An ANZ Rewards Credit Card

Information verified correct on September 29th, 2016
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Discover the ANZ Rewards Visa credit card and how to earn a great variety of rewards for simply spending on your card. Find out all you need to know about the Rewards Visa program and how easy it is to locate the perfect reward via the ANZ Rewards Visa website.

For an annual fee of $80 p.a. the ANZ Rewards Visa credit card allows you to earn reward points which you can then redeem for a huge choice of great rewards, including shopping vouchers and gift cards, merchandise and gifts, frequent flyer points, travel and accommodation, and entertainment.

If you are not an ANZ Rewards Visa cardholder already but would like to become one, you can apply online for a card at anz.com, or you can pick up an application form at any branch of ANZ Bank.

ANZ Rewards Visa credit card features

  • Interest rate on purchases of 18.79% p.a.
  • Interest rate on cash advances of 20.99% p.a.
  • Up to 44 days interest-free on purchases
  • Minimum credit limit of $1,000
  • Total annual fee of $80 p.a., where $22 of that is for the rewards program
  • Falcon 24/7 monitoring for suspicious transactions

If you are eligible, earning a minimum income of $50,000, you may like to apply instead for the ANZ Rewards Visa Gold:

ANZ Rewards Visa Gold

  • Interest rate on purchases of 19.99% p.a.
  • Interest rate on cash advances of 21.49% p.a.
  • Up to 55 days interest-free on purchases
  • Minimum credit limit of $5,000
  • Total annual fee of $95 p.a., where $22 of that is for the rewards program
  • Falcon 24/7 monitoring for suspicious transactions
  • Earn one point per $1 on purchases

ANZ Rewards Visa program overview

The ANZ Rewards Visa credit card rewards you for every dollar you spend on your credit card, with the exception of cash transactions such as ATM withdrawals, or cash-equivalent transactions such as purchasing traveller’s cheque or foreign currency. If you use your ANZ Rewards Visa for your everyday expenses like groceries, bills, entertainment, and fuel, you will soon see the points building up towards some very attractive rewards.

You can also accelerate your reward points balance by spending on your ANZ Rewards Visa credit card at Bonus Partners such as Harvey World Travel, Prouds, Thrifty and many others. There is no limit to the number of Bonus reward points you can earn each year, and to make it easier to search for these Bonus Partner, they are listed three ways on the ANZ Rewards website: alphabetically, by Bonus reward points per dollar, and by category.

Register on the ANZ Rewards Visa website is an easy process that will allow you to check your reward points balance, redeem your points online, and view your rewards statement. Plus, you will receive email updates with details of rewards and Bonus Partner special offers

When you are ready to redeem your rewards points, you can search for rewards by category, or by the number of reward points needed using the ‘Search by points’ function.

Anyone who holds more than one ANZ Rewards Visa account can pool their reward points, thus optimising their total balance.

You can earn 1 reward point per dollar up to a maximum spend of $50,000 per year on ANZ Rewards Visa cards, giving you enormous potential to redeem for some truly fantastic rewards.

Although reward points do eventually expire, you are given plenty of time to redeem them, as you are allowed 36 months from the 31st December of the year in which the reward points were earned in which to make your redemption. Any reward points remaining unused after that time will be lost. Similarly, if your ANZ Rewards Visa account is closed, you will have 60 from the closure date to redeem your remaining points before they are lost.

ANZ Rewards Visa – Rewards program features

  • Earn one reward point per $1 spent on purchases
  • Earn Bonus reward points at a range of Bonus Partner outlets
  • Choose from a wide range of rewards: shopping vouchers and gift cards; merchandise and gifts; frequent flyer points; travel and accommodation; and entertainment
  • Add up to three additional cardholders to your account for $22 per card. Purchases by additional cardholders also earn reward points that are credited to the account holder
  • Visa Entertainment provides you with access to special events, exclusive merchandise and home entertainment products

Variable Points Plus Pay

This option allows you to claim a reward before you have earned sufficient points to match it. Variable Points Plus Pay lets you 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 lets you get your hands on rewards earlier than you might have thought, and means you are not under pressure to build up your points by spending unnecessarily.

Auto-Redemption

When you’re ready to redeem your ANZ Rewards Visa points, you can choose from shopping vouchers, gift cards, merchandise and gifts, frequent flyer points, travel and accommodation, entertainment offers, and much more. Shopping vouchers and gifts cards are available in denominations of $20, $50 and $100 to exchange at some of Australia’s leading retailers, and you can decide how you redeem your reward points – either via an auto-redemption or a manual option. With auto-redemption, you have 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)

The manual option allows you to save up for longer so that you can choose to redeem when it suits you.

Redeeming your points online

To redeem your rewards points you will first need to be registered at the ANZ Reward website, anzrewards.com. After that, you just need to follow a few simple steps:

  1. Log on using your email address and password.
  2. Find out how many reward points you have earned by checking your balance displayed above the page.
  3. Click on the “Your Rewards” tab, then search for a reward that you want to redeem for by either selecting one of the categories shown on the left hand side, or searching by the number of rewards points you have.
  4. Click on a reward that looks interesting to find out more about it, and view the reward points required or the Variable Points Plus Pay options.
  5. Click on “Redeem Now” to make your redemption request and start the process.
  6. Wait up to 28 days for delivery of your reward.

ANZ Visa Rewards categories

Rewards on the ANZ Rewards website are listed in the following categories. Without going into too much detail, this should give you an excellent idea of the sheer range of rewards on offer. There’s no reason why anyone should ever feel they don’t have something to choose that suits their tastes.

  • ANZ Holiday Rewards
  • Accommodation
  • Automotive
  • Cameras
  • Car Rental
  • Charity
  • Children’s Products
  • Entertainment
  • Experiences
  • Financial Services
  • Food & Wine
  • Frequent Flyer
  • Gifts & Accessories
  • Health & Fitness
  • Home
  • Home Entertainment
  • Hot Offers
  • Kitchen
  • Magazine Subscriptions
  • Outdoor
  • Phones
  • Shopping Vouchers
  • Technology
  • Travel

ANZ Holiday Rewards

Travel is one of the most popular choices in any rewards program, and the ANZ Rewards Visa program has plenty to offer in this area.

As an ANZ Visa Rewards cardholder you have exclusive access to the ANZ Holiday Rewards travel service. This is where you can redeem your reward points towards your travel arrangements, including flights, hotels, tours, cruises, transfers and meals, theme park tickets and car hire. You don’t even have to be the one travelling; you can use your points to book for other people.

But this is more than a points redemption feature; Holiday Rewards operates as a normal travel agent would, with fully qualified and experienced travel consultants to help you plan and book your trips and holidays on pretty much every airline flying practically anywhere in the world.

Payments can be made in points only, or using Variable Points Plus Pay, as described above. This gives you the opportunity of booking what you want when you want, and paying the balance on your ANZ Visa Rewards credit card – which of course will earn you even more rewards points.

All holiday and travel options that are commercially available can be accessed, apart from those offered by online-only operators. Your rewards newsletter will keep you updated about the latest travel and flight offers so you can seize those opportunities as they arise. You will also be able to earn frequent flyer points on those airlines that operate such schemes and of which you are a program member.

ANZ Rewards Visa eligibility criteria

You can apply for an ANZ Rewards Visa credit card if you meet the following requirements:

  • You are at least 18 years of age
  • You have a good credit rating
  • You are a permanent Australian resident, earning at least $15,000 gross per year
  • You are a non-permanent Australian resident earning at least $50,000 gross per year

Information required to apply

Your ANZ Rewards Visa application will take around 10 to 15 minutes provided you have the following information to hand:

  • Details of your Australian Driver’s licence, if you have one
  • Employer’s address, as listed in the White Pages
  • Accountant’s name and contact number, if self-employed
  • Details of your income, assets and liabilities
  • Your ANZ account number, if you’re an ANZ customer already

If you leave your application unattended for more than 15 minutes, the site’s security features will cancel your application and any information already input. Once your application is completed and submitted, you will receive a response within 60 seconds.

With such a comprehensive array of rewards and the ability to earn points whenever you spend on your card, the ANZ rewards Visa credit card is an excellent choice for the serious points collector.

Minimum Income$15,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
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
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$15,000
Annual Fee$80 p.a.
Minimum Repayment2%
Late Payment Fee$20
Over Limit Fee$20
Cash Advance FeeThe greater of 2% of the cash advance amount or a minimum of $0
Overseas Cash Advance FeeThe greater of 2% of cash advance amount or a minimum of $4
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (AMEX)3% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$65 p.a.
Number of Additional Cardholders3
BPAYYes
ChequeYes
Direct DebitYes
Australia PostNo
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Receive 25,000 Reward Points after your first eligible purchase is made within 3 months of card approval.

Cons

  • It gives you only 44 interest-free days.
Rewards ProgramANZ Rewards Program
Bonus Points on Sign-up25,000
Rewards Points per $ (VISA/MC)0.75
Rewards Points per $ (AMEX)1.5
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ (AMEX) CapUncapped
Points Expiry36 months
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