Signing up to the ANZ Rewards Program? Here’s what you need to know


Whether you’re a fan of the cinema or addicted to travel, the ANZ Rewards Program is fit for any kind of freebie lover. 

The ANZ Rewards Program allows spenders to earn points on their everyday purchases, which can then be redeemed for rewards, such as gift cards and entertainment experiences. And if travel is more your thing, you’re in luck, as you can use your points for free flights or hotel accommodation. And if you choose to flash your plastic at one of ANZ’s bonus partners, you’ll be able to earn extra bonus points. 

Speaking of bonus points, nearly all ANZ rewards cards come with a generous bonus points offer, helping you get your points stash off to a fantastic start.

Eligible ANZ rewards cards

There are four rewards cards eligible for the ANZ Rewards Program. Check them out. 

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Rewards Black

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Rewards Platinum

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Rewards Travel Adventures Card


Types of credit card rewards ANZ offers

No matter how you like to reward yourself, the ANZ Rewards Program has something for you. Under the ANZ Rewards program, redemption options can be split into four broad categories, which include:No matter how you like to reward yourself, the ANZ Rewards Program has something for you. Under the ANZ Rewards program, redemption options can be split into four broad categories, which include:

How to earn points with an ANZ rewards card

That’s easy, spend! All you need to do to start building your points stash is use your card at the checkout. One thing to keep in mind is that the number of points you’ll earn depends on the card you choose - but remember to weigh up the value of rewards points against the annual fee on each card. 

Here are the point earn rates across ANZ’s range of rewards cards:

There are also often bonus point offers available, and cardholders will also be able to score extra bonus points at over 30 bonus partners, these are retailers and brands that provide bonus points when you make a purchase. For example, with adidas, you’ll earn an extra 10 bonus points per $1 spent. You can check out all of ANZ’s bonus partners by heading to their website.

Redeeming your ANZ Rewards points

When you’re ready to cash in your points stash, you’ll need to log in to your ANZ Rewards account. Here you’ll be able to see your points balance and browse the options for redeeming your points. 

Once you’ve found the product you’d like, click ‘redeem now’ to start the request process - when you’re approved, you should receive your item within 28 days. Or if you’re planning on using your points to fly, you can transfer your points to the Velocity, Air New Zealand or KrisFlyer program. 

Got your eye on a particular item? With the ANZ Rewards Auto-redemption program, you’ll be able to pre-select a reward to be instantly delivered once you hit the number points needed. That means you won’t have to worry about counting points or remembering to redeem points before they expire.

Frequently asked questions

Do ANZ Rewards points expire?

Yes, you must claim a reward within 36 months of 31 December of the year your points were added to your account, otherwise you’ll lose them. You can avoid this by setting up auto redemption on your account, this is where you’ll automatically redeem a reward once you hit the number of points required.

Are ANZ Rewards Points capped?

No, there is no points cap on ANZ Rewards cards. However just keep in mind that you points earn rate will drop after you reach a certain spend per month, so it might be worth spacing out your spending to avoid hitting this earlier in the month.

What purchases won't earn me points?

While you will be able to earn points on the majority of your everyday purchases, you will not earn any points on BPAY, gambling, cash advances or balance transfers, traveller cheques or premiums paid for ANZ Credit Card Insurance.

Is there a fee to have an ANZ Rewards account?

Yes there is a fee to hold an ANZ Rewards account, however the size of the fee will depend on the card you choose. It’s important to remember that rewards cards that have a larger points earning rate typically come with higher fees, so you’ll need to decide whether these costs outweigh the value you’re getting in return.

Is there a minimum income requirement to apply for an ANZ rewards card?

Each ANZ rewards card has a minimum income you will need to meet in order to apply, which range from $15,000 for the more basic options, to $75,000 for the full-featured, luxe plastic. Other details you may need to apply include bank statements, recent payslips, other debt you may have.

Still unsure about whether an ANZ rewards card is the right choice for you? See how it stacks up against other options by checking out our rewards card comparison tool.