$89$0 in the first 1 year
The ANZ Rewards credit card is a great all round rewards card offering cardholders the option to redeem their points for flights, travel, gift cards and merchandise. The card comes with both a Visa and an American Express card and if you apply by 27 October, you'll get 50,000 bonus Rewards points after your first eligible purchase.
The ANZ Rewards Card has a standard purchase rate of 18.79% so be diligent about paying your balance off in full each month. There is no annual fee in the first year and an $89 annual fee every year after which comprises of a $34 annual account fee and a $55 rewards program services fee.
You'll get two cards on the one account with the ANZ Rewards credit card, a Visa and an American Express card. With the American Express card you will earn 2 points per dollar and with the Visa card you will get 1.5 points per dollar spent. You can transfer your points direct to airline frequent flyers programs or redeem points for a range of rewards including giftcards, merchandise or shopping rewards. There is no cap on the amount of points you can earn each year but be mindful that points will expire after 36 months.
If you plan to use your card overseas or with overseas retailers you will have to pay a 3% foreign currency conversion charge on every purchase.
Additional benefits of this card include exclusive offers with American Express Select and via Visa Entertainment.
The usual penalties apply for late payments ($20).
Who it's good for:
This is a rewards card for the card holder that likes to have options with how to spend their rewards.
Points expire after 36 months so if you are saving up the points for that extended overseas holiday, you'll need to spend up big to get enough points in time or transfer them across to an airline program that you can then redeem for a flight later on when you are ready to travel.
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ANZ credit card reviews
Read ANZ credit card reviews by the Mozo community
ANZ has always protected me against suspicious activity on my card. They provide great customer service. Interest rates could be improved though. Full review
ANZ has always protected me against suspicious activity on my card. They provide great customer service. Interest rates could be improved though.
Great customer service
My credit card is simply awesome. Full review
My credit card is simply awesome.
Poor info about product fees
ANZ Rewards credit program is very expensive as far as the annual charges go and I would not reccomend this product to any of the blue collar workers. Full review
ANZ Rewards credit program is very expensive as far as the annual charges go and I would not reccomend this product to any of the blue collar workers.
The ANZ rewards card is awesome! Now I have such gadgets as a bread making machine which makes my 'dough' rise! Full review
The ANZ rewards card is awesome! Now I have such gadgets as a bread making machine which makes my 'dough' rise!
Easy and low cost
Interest free period, easy to use, auto payment options. Full review
Interest free period, easy to use, auto payment options.
ANZ is one of the largest companies in Australia and New Zealand, with a history that stretches back over 170 years. The bank offers a range of banking and financial products to more than 5.7 million retail customers, including home loans, credit cards and debit cards, personal loans, savings and banking accounts and personal insurance. And now, with its new mobile banking application, ANZ goMoney, it's easier to do banking on the go.
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