# Source: https://www.anz.com.au/personal/credit-cards/frequent-flyer-black

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Important: Cash Advance Fee increases and new Qantas Points earn caps from 28 Oct 2026, and complimentary insurance changes from 9 Dec 2026 and 24 Mar 2027\. [Find out more](https://www.anz.com.au/personal/credit-cards/card-changes/ "Find more about consumer card changes").

# Earn Qantas Points with ANZ Frequent Flyer Black

Enjoy our highest Qantas Points earn rate[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-points-disclaimer) plus our new credit card offer:

**50,000 bonus Qantas Points**

with your new ANZ Frequent Flyer Black credit card when you spend $6,000 on eligible purchases in the first 3 months from approval[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-black-offer-disclaimer)

**an additional 50,000 bonus Qantas Points**

when you keep your card for over 12 months[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-black-offer-disclaimer)

[Apply online now](https://applyapp.anz.com/choosing-the-right-card/?sourcecode%5F1=OBIO&producttype=FFB&schema=cola&appscode=OBIR)

You are not eligible for the initial bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-black-offer-disclaimer) T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425).[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)

## What to expect from this Qantas Points card…

Important: On and from 28 October 2026, we’re introducing a cap on the total spend on eligible purchases that can earn Qantas Points. Total spend on eligible purchases over $50,000 per statement period will not earn Qantas Points. [Find out more](https://www.anz.com.au/personal/credit-cards/card-changes/).

### Qantas Points

Earn 1 Qantas Point for every $1 up to and including $7,500\*

Earn 0.5 Qantas Points for every $1 over $7,500\*

(\*per statement period, eligible purchases only)[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-points-disclaimer)

### 22.49% p.a. interest rate

on purchases[Superscript: 4](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-black-interest-rate-disclaimer)

### $15,000 minimum credit limit

and you expect you will be able to repay all or most of the closing balance each month

### $425 Annual Fee[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)

## Things to consider

* A higher interest rate on purchases compared to the ANZ Low Rate card, so the ANZ Frequent Flyer Black card might not be suitable if you only make minimum repayments over a prolonged period
* A higher annual fee compared to the ANZ First card and ANZ Frequent Flyer Platinum.

## Plus you'll also get...

Important: Changes will be made to the complimentary International Travel Insurance available with the ANZ Frequent Flyer Black credit card from 24 March 2027, including a shorter cover period, reduced cover and the removal of a number of International Travel Insurance benefits. ANZ is also making changes to complimentary insurance across its credit card products, with different changes applying from 9 December 2026 and 24 March 2027 depending on the product. [Find out more](https://www.anz.com.au/personal/credit-cards/card-changes/).

### [Travel insurance](https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/)

Planning a trip? You may be eligible for complimentary travel insurance,[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers) plus cover for rental vehicle excess in Australia,[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers) when you purchase travel using your ANZ credit card.

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers)

### [Insurance on purchases](https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/)

Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers) and Purchase Protection Insurance.[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers)

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers)

### [Interest free days](https://www.anz.com.au/personal/credit-cards/credit-card-education/interest-free-periods/)

Make the most of your card with interest-free days on eligible purchases when you pay your full Closing Balance (or if applicable, the Adjusted Closing Balance) by the Due Date shown on your statement.[Superscript: 6](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Finterest-free-days-disclaimer)

### 24/7 Personal concierge

Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more.[Superscript: 7](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fanz-concierge-service-is-available)

Call us on [1300 580 765](tel:1300580765) (or [+61 2 7907 0805](tel:61279070805)).

### [ANZ Falcon® fraud protection](https://www.anz.com.au/security/how-we-protect-you/credit-card/)

ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.

### [Balance transfers](https://www.anz.com.au/personal/credit-cards/balance-transfer/)

Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment.[Superscript: 8](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FBalanceTransfers%5Fbt-100-or-more)

### [Digital wallet compatible](https://www.anz.com.au/support/online-banking/manage-your-card/digital-wallets/)

An easy way to pay using your ANZ credit card on your compatible mobile device.[Superscript: 9](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fcommon%5Fpay-with-phone-short) And, if you need a replacement card, digital cards are faster than the post.

## More Qantas features

### [Bonus Qantas Points](https://www.anz.com.au/content/anzcomau/en/personal/credit-cards/how-to-redeem-rewards.html/#freq-flyer)

Earn 1 bonus Qantas Point[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-points-disclaimer) per $1 spent on selected Qantas products and services, as well as bonus points[Superscript: 10](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fff-bonus-points) with our Bonus Partners.

### [Qantas Frequent flyer membership](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/#freq-flyer)

Complimentary Qantas Frequent Flyer membership, currently worth $99.50 if you're not yet a member and sign up using the link provided by ANZ.[Superscript: 11](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-membership-joining-waiver)

### [2x Qantas Club Lounge Invitations](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/#freq-flyer)

Two Qantas Club Complimentary Lounge Invitations each year[Superscript: 12](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fcomplimentary-qantas-club-lounge-invitations) and a discount on a 1-year Qantas Club membership.[Superscript: 13](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fdiscount-first-year-qantas-club)  

You can redeem your Qantas Club Complimentary Lounge Invitations by submitting the [ANZ Aspire lounge invitation redemption form](#). To complete the online redemption form, click on the link and you'll be directed to our partner website.

## What could 100,000 Points get you?[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-points-disclaimer)

You could redeem them for one of the following:

### [Domestic flights](https://www.qantas.com/au/en/frequent-flyer/use-points/classic-flight-rewards.html)

across a whole range of popular routes.

### [International flights](https://www.qantas.com/au/en/frequent-flyer/use-points/classic-flight-rewards.html)

so you can treat yourself to a well-deserved holiday.

### [Classic upgrade rewards](https://www.qantas.com/au/en/frequent-flyer/use-points/classic-upgrade-rewards.html) 

for a little luxury on international or domestic flights.

## Rates and fees

**$15,000** Minimum credit limit

**Up to 44** Interest-free days on purchases[Superscript: 6](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Finterest-free-days-disclaimer)

#### Standard interest rates

**22.49% p.a.** on purchases[Superscript: 4](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-black-interest-rate-disclaimer)

**23.49% p.a.** on cash advances[Superscript: 4](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-black-interest-rate-disclaimer)

**23.49% p.a.** on balance transfers[Superscript: 4](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-black-interest-rate-disclaimer)

#### Annual fees

**$425** Annual Fee  
(includes $370 Annual Fee and $55 Rewards Program Service Fee)[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)  

**Up to 9** additional cardholders for an annual fee of $65 per additional cardholder[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)

For details about all applicable fees & charges please refer to the [ANZ Credit Cards Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) and [ANZ Consumer Credit Cards Fees and Charges (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf).

Important: On and from 28 October 2026 the Cash Advance Fee will increase from 3% to 3.5%, the minimum Cash Advance Fee will increase from $3 to $4, and the maximum Cash Advance Fee will increase from $20 to $50\. [Find out more](https://www.anz.com.au/personal/credit-cards/card-changes/).

## Eligibility

### Who can apply?

To apply for an ANZ Frequent Flyer Black credit card, you’ll need to:

* be 18 years of age or over
* be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa
* have a good credit rating

**Bonus points offer**

You are not eligible for the initial Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months.

**Not sure if you’re eligible?**

Call our credit card specialists on [13 22 73](tel:132273).

## Get started online

### Apply online

[Apply online now](https://applyapp.anz.com/choosing-the-right-card/?sourcecode%5F1=OBIO&producttype=FFB&schema=cola&appscode=OBIR)

**You’ll need:**

* Details of your income, expenses, liabilities and assets
* Proof of identity.

### Request a call back

Need to know more before applying? We’ll call you back within 2 business days to answer any questions and help you complete your application.

[Request a call back](https://www.anz.com.au/personal/credit-cards/credit-card-quick-start-form/)

## See our other Frequent Flyer and Rewards credit cards

Important: On and from 28 Oct 2026, we’re introducing a cap on the total spend on eligible purchases that can earn Qantas Points and ANZ Reward Points. [Find out more](https://www.anz.com.au/personal/credit-cards/card-changes/).

### [ANZ Frequent Flyer Platinum credit card](https://www.anz.com.au/personal/credit-cards/frequent-flyer-platinum/)

Uncapped Qantas Points earn rate[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-points-disclaimer)

**$6,000**  
 Minimum credit limit

**$295**  
Current annual fee[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)

[**See Frequent Flyer Platinum**](https://www.anz.com.au/personal/credit-cards/frequent-flyer-platinum/)

Offer

**Earn up to 50,000 bonus Qantas Points**

Earn 25,000 bonus Qantas Points with your new ANZ Frequent Flyer Platinum credit card when you spend $3,500 on eligible purchases in the first 4 months from approval. Plus, earn an additional 25,000 bonus Qantas Points when you keep your card for over 12 months.[Superscript: 17](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-platinum-offer-disclaimer)

You are not eligible for the initial bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months.[Superscript: 17](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-platinum-offer-disclaimer) T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295).[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)

### [ANZ Rewards Black credit card](https://www.anz.com.au/personal/credit-cards/rewards-black/)

Highest ANZ Reward Points earn rate[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer)

**$15,000**  
 Minimum credit limit

**$375**  
 Current annual fee[Superscript: 15](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee)

[**See ANZ Rewards Black**](https://www.anz.com.au/personal/credit-cards/rewards-black/)

[How to use ANZ Rewards Points](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/)

**ANZ Rewards Black credit card**

Our premium rewards credit card offers the highest ANZ Reward Points earn rate of any ANZ credit card,[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer) plus flexible ways to redeem points,[Superscript: 16](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-air-points-partners-disclaimer) complimentary insurances,[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers) 24/7 concierge service[Superscript: 7](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fanz-concierge-service-is-available) and more.

T&Cs, limits, applicable sub-limits, exclusions, eligibility criteria, fees and charges apply (including an annual fee, currently $375).[Superscript: 15](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee)

### [ANZ Rewards Platinum credit card](https://www.anz.com.au/personal/credit-cards/rewards-platinum/)

Uncapped ANZ Reward Points earn rate[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer)

**$6,000**  
 Minimum credit limit

**$149**  
Current annual fee[Superscript: 15](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee)

[**See ANZ Rewards Platinum**](https://www.anz.com.au/personal/credit-cards/rewards-platinum/)

[How to use ANZ Rewards Points](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/)

Choose between one of these two new card offers:

**Earn up to 125,000 extra ANZ Reward Points[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer) and $50 back to your new ANZ Rewards Platinum credit card**

Earn 85,000 extra ANZ Reward Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval and an additional 40,000 extra points when you keep the card for over 15 months from activation.[Superscript: 18](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fanz-rewards-platinum-offer-disclaimer)

New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).[Superscript: 15](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee)

**OR**

**Earn up to 80,000 bonus Velocity Points and $50 back to your new ANZ Rewards Platinum card**

Switch on auto-redemption to transfer your ANZ Reward Points[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer) to Velocity Points[Superscript: 19](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Farw-plat-velocity-offer-minimum-redemption) within 3 months from approval and keep it on to earn 1) 60,000 bonus Velocity Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval[Superscript: 20](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Farw-plat-velocity-offer) and 2) an additional 20,000 bonus Velocity Points when you keep the card for over 15 months from activation.[Superscript: 20](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Farw-plat-velocity-offer)

New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).[Superscript: 15](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee) Auto-redemption must be kept on until points for relevant criteria have been made available for redemption.

## Ways your credit card is protected

### [ANZ Falcon® fraud protection](https://www.anz.com.au/security/how-we-protect-you/credit-card/#falcon)

ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.

### [Fraud money back guarantee](https://www.anz.com.au/security/how-we-protect-you/credit-card/#fraud)

Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs.[Superscript: 21](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Felectronic-banking-conditions-of-use)

### [Card security  microchip](https://www.anz.com.au/security/how-we-protect-you/credit-card/#microchip)

An embedded card microchip makes it harder for your card to be fraudulently copied.

### [Visa secure](https://www.anz.com.au/security/how-we-protect-you/credit-card/#verified)

#### (formerly known as Verified by Visa)

Some added peace of mind to securely shop online.

### Decisions? Decisions? Need help choosing a credit card?

Explore our range and compare features, trade-offs and fees to help you choose the card that suits you best.

[Visit credit card finder](https://www.anz.com.au/personal/credit-cards/compare-cards/credit-card-finder/)

## Your questions answered

### Qantas Points

###  Can I apply for this card if I'm not already a Qantas Frequent Flyer member? 

Yes, you can apply for this card. You’ll also receive complimentary Qantas Frequent Flyer membership if your application for an ANZ Frequent Flyer credit card is approved.[Superscript: 11](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-membership-joining-waiver)

###  When will my Qantas Points appear on my Frequent Flyer card? 

Your Qantas Points are automatically credited to your Qantas Frequent Flyer account every month. To find out how to use your Qantas Points and when they expire, visit the [Qantas website](https://www.qantas.com/au/en/frequent-flyer/use-points.html).

###  How do I spend my Qantas Points? 

You can redeem your Qantas Frequent Flyer points online at the [Qantas website](https://www.qantas.com/au/en/frequent-flyer.html). Points may be spent on flights, hotels, shopping and more.

###  How do I check my Qantas Points balance? 

You can check your Qantas Frequent Flyer balance by logging into your Frequent Flyer account at the [Qantas website.](https://www.qantas.com/au/en/frequent-flyer.html)

###  Can I choose to earn Velocity Points instead of Qantas Points? 

Our Frequent Flyer credit cards are for Qantas Frequent Flyer points earning only. Velocity Frequent Flyer members may like to check out our [Rewards credit cards,](https://www.anz.com.au/personal/credit-cards/rewards/) which allow you to redeem your ANZ Rewards Points with our other airline partners, including Velocity Frequent Flyer.[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer)

###  How can I redeem my complimentary Qantas Club lounge passes? 

ANZ Frequent Flyer Black credit cardholders are entitled to two complimentary Qantas Club lounge invitations in any 12-month period.

You can redeem your complimentary Qantas Club lounge invitations by submitting the [ANZ Aspire lounge invitation redemption form](#). To complete the online redemption form, click on the link and you'll be directed to our partner website. Or call ANZ Concierge on [1300 580 765](tel:1300580765) (or [+61 2 7907 0805](tel:61279070805) from overseas).

###  What is an eligible purchase? 

Most every day purchases are eligible purchases. Certain transactions and other items are not eligible to earn Qantas Points. Examples of transactions and other items that do not earn Qantas Points are interest charges, fees, cash advances, cash equivalent transactions, balance transfers, BPAY or Post BillPay payments, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. For more details of transactions that are not eligible to earn Qantas Points and how these transactions are identified, please refer to the [ANZ Frequent Flyer Reward Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf).

### General

###  Can I change from one type of ANZ credit card to another? 

Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only.

To request a change of credit card, choose one of the following options.

**Online:**

Log on to [ANZ Internet Banking](https://login.anz.com/internetbanking) and select your credit card account

**Over the phone:**

Call [13 22 73](tel:132273) between 7am-11pm (AEST) 7 days a week.

Call +61 3 9683 9999 from overseas.

### Credit scores

###  How do I check my credit report? 

The credit reporting bodies will provide you with one free credit report per year. Additional reports can be requested at a cost.

To obtain your credit report you’ll need to contact one or a combination of the credit reporting bodies.

Visit the [Credit Smart](https://www.creditsmart.org.au/otherhelpfulservices/credit-reporting-bodies/) website for more information

###  How can I improve my credit score? 

There is no quick fix, improving your credit score will take time. Getting on top of your repayments and ensuring they are made on time is a good place to start. For more tips on how to improve your score, visit the [Credit Smart](https://www.creditsmart.org.au/know-your-credit-score/how-to-improve-your-credit-score/) website.

## Help and support  

### Getting started

[Activate card and set PIN ](https://www.anz.com.au/support/online-banking/manage-your-card/activate-card/)

[Set up automatic payments ](https://www.anz.com.au/ways-to-bank/more/cardpay-direct/)

[Add a card to your digital wallet ](https://www.anz.com.au/support/online-banking/manage-your-card/digital-wallets/)

[Interest rates, fees & terms](https://www.anz.com.au/personal/credit-cards/manage-my-card/rates-fees-terms/)

### Using your card

[Manage your card ](https://www.anz.com.au/support/online-banking/manage-your-card/)

[Order a replacement card ](https://www.anz.com.au/support/online-banking/manage-your-card/#replace)

[Dispute a transaction ](https://www.anz.com.au/support/online-banking/account-management/dispute-transactions/)

[Decrease limit or close account ](https://www.anz.com.au/personal/credit-cards/manage-my-card/reduce-limit-close-account/)

[Forms and Documents ](https://www.anz.com.au/personal/credit-cards/manage-my-card/forms-documents/)

### Emergency assistance

[Lost or stolen cards ](https://www.anz.com.au/support/lost-stolen-card/)

[Financial assistance ](https://www.anz.com.au/support/financial-hardship/)

[Gambling help ](https://www.anz.com.au/support/services/gambling/)

### Other help topics

[Notify us of travel ](https://www.anz.com.au/personal/travel-international/guides/credit-card-travel-tips/)

[Credit card insurance ](https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/)

[Redeeming Rewards ](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/)

### Boost your credit card knowledge

With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Credit Card Education is an online educational series that explores credit card interest, making payments, balance transfers and more.

[Learn more about Credit Card Education ](https://www.anz.com.au/personal/credit-cards/credit-card-education/)

[More Help and Support](https://www.anz.com.au/support/)

## Connect with our specialists

### **Call us**

Our team are available Monday to Friday from 8am to 8pm (AEST).

[Call 13 33 33](tel:133333)

[See other contact options ](https://www.anz.com.au/support/contact-us/personal-credit-cards/)

### **Locate us**

Find your nearest ATM or branch.

[Book an appointment](https://www.anz.com.au/book-appointment/appointment-booking/)

[Find a location or specialist](https://www.anz.com.au/locations/)

### **Get help with your application**

We're here to answer your application questions and help you get started.

[Request a callback](https://www.anz.com.au/personal/credit-cards/credit-card-quick-start-form/)

###   
  
 You will now be directed to our partner website.

[Continue](https://anzloungepass.lifestyleprivileges.com/)

## Important information 

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

Falcon® is a registered trademark of Fair Isaac Corporation.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522\. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. We recommend you read the [ANZ App Terms and Conditions for iOS (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/ANZ-App-Current-Terms-and-Conditions-iOS.pdf) or [ANZ App Terms and Conditions for Android (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/ANZ-App-Current-Terms-and-Conditions-Android.pdf) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

1\. Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.  

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2\. This offer is available to new and approved credit card applicants and is limited to one offer per person. You are not eligible for the initial 50,000 bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. ANZ may change or withdraw this offer at any time without notice. This offer cannot be used with any other offers, packages or promotions, and is not available if you’re transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

To be eligible for the initial 50,000 bonus Qantas Points, you must meet the $6,000 spend criteria within 3 months of your approval date. Your approval date is the disclosure date specified in your Letter of Offer. Any purchases made within 3 months of your approval date that are refunded or reversed will not count towards meeting the spend criteria.

Some transactions and other items are not considered eligible purchases as they are not eligible to earn Qantas Points. These include: interest charges or bank fees, cash advances and balance transfers (as defined in the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf)), transactions made using the BPAY® scheme or Post Billpay service, Government Charges or payments to the ATO, and premiums paid for ANZ Credit Card Insurance. For further details, see the [ANZ Frequent Flyer Reward Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf).

If you are eligible for this offer, the initial 50,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of meeting the spend criteria.

If you do not meet the spend criteria within 3 months of your approval date, you won't receive the initial 50,000 bonus Qantas Points. You may still be eligible for the additional 50,000 bonus Qantas Points if you retain your card for over 12 months from the date your first annual fee is charged. The additional 50,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of your second annual fee being charged. The second annual fee is generally charged 12 months from the first annual fee.

The 100,000 bonus Qantas Points will not be credited if your ANZ Credit Card Account is closed, cancelled, suspended, transferred, has any overdue amount, or if you breach the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or [ANZ Frequent Flyer Reward Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) prior to, or at the time of, the bonus Qantas Points being credited to your Qantas Points balance.

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3\. For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call **[13 22 73](tel:132273)** for information regarding the fees that apply to their account.

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4\. Standard annual interest rate is 22.49% p.a. on the purchases balance, 23.49% p.a. on the cash advances balance and 23.49% p.a. on the standard balance transfers balance as at today's date and is subject to change.

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5\. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the [ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf) which may be amended from time to time. For insurable events that occur before 9 December 2026 please refer to the [ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf) dated 7 June 2024\. For insurable events that occur on or after 9 December 2026 but before 24 March 2027 please refer to the [ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/phase-one-anz-platinum-and-black-complimentary-insurance-booklet.pdf) dated 9 December 2026\. For insurable events that occur on or after 24 March 2027 please refer to the [ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/phase-two-anz-platinum-and-black-complimentary-insurance-booklet.pdf) dated 24 March 2027\. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

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6\. Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the [ANZ Credit Cards Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf). Existing customers should review their credit contract for information regarding their account.

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7\. The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders.

ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice.

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8\. Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.

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9\. Mobile payments available on compatible devices and eligible ANZ cards. View the full list at [anz.com/mobilepayments](https://www.anz.com.au/support/online-banking/manage-your-card/digital-wallets/). Terms and conditions apply to the use of [Apple Pay (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/applepay-tcs.pdf), [Google Pay (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/googlepay-tcs.pdf), [Samsung Pay (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/samsungpay-Terms-and-Conditions.pdf), [Fitbit Pay (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/googlepay-for-fitbit-tcs.pdf) and [Garmin Pay (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/garmin-pay-tcs.pdf).

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10\. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

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11\. This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the [Qantas website](http://www.qantas.com/joinffanz). This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Current joining fee $99.50 as at 7 April, 2022, subject to change.

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12\. Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge Invitations in any 12 month period by submitting the [ANZ Aspire lounge invitation redemption form](#) or by calling the ANZ Personal Concierge on [**1300 580 765**](tel:1300580765). Qantas Complimentary Lounge Invitations are provided courtesy of ANZ and are valid for 12 months from date of issue.

Complimentary Lounge Invitations will then be available when you log in to your Qantas Frequent Flyer Account or the Qantas App, provided the account holder is not in breach of the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) and the account remains open. Each Complimentary Lounge Invitation is valid for a single visit by one guest to a Qantas Club domestic lounge, Qantas International or Qantas International Business Lounge, and must be used prior to the expiry date.

Access and use are subject to the [Complimentary Lounge Invitation Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html) and [Qantas Club Lounge Entry Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/terms-conditions.html).

For information on Qantas lounge availability or to manage your Complimentary Lounge Invitations, visit the [Complimentary Invitations Portal](https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/lounge-passes.html).

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13\.  Offer only available to ANZ Frequent Flyer Black cardholders who are Australian residents. Offer non-transferable and not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. Customers who are eligible for this offer and contact the Qantas Frequent Flyer Service Centre on [13 11 31](tel:131131) to renew or purchase a new standard one year individual Qantas Club membership using an ANZ Frequent Flyer Black card will receive a joining fee waiver and discount on their standard one-year individual membership rate for Australian residents. Please speak to the Qantas Frequent Flyer Service Centre for current discounts and pricing. Different rates may be available for those with access to the Qantas Club Corporate scheme. Only one joining fee waiver and one membership fee discount available per year, per cardholder. Qantas Club membership is subject to approval by Qantas and to the terms and conditions of The Qantas Club, available at [qantas.com/qantasclub](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club.html).

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14\. ANZ Reward Points are earned and redeemed in accordance with the [ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the [ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf).

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15\. For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

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16\. Minimum Redemption thresholds apply. An account holder must be a member of the applicable partner program to redeem ANZ Reward Points for partner points. Membership details must be entered online at time of redemption in order to redeem ANZ Reward Points for partner points under the applicable partner program. See [anzrewards.com](https://www.anzrewards.com/) for details. Refer to the relevant program terms and conditions for details: [Velocity Member Terms and Conditions](https://experience.velocityfrequentflyer.com/member-support/terms-conditions), [KrisFlyer Terms and Conditions](https://www.singaporeair.com/en%5FUK/ppsclub%5Fkrisflyer/termsconditions-kf/), [Air New Zealand Koru Terms and Conditions](https://www.airnewzealand.com.au/koru/koru-terms-and-conditions), [Asia Miles Terms and Conditions](https://www.asiamiles.com/en/terms-and-conditions.html), [Everyday Rewards Terms and Conditions](https://www.everyday.com.au/terms.html), and [World360 Rewards Terms](https://www.world360rewards.com/terms). ANZ Reward Points are subject to the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf).

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17\. This offer is available to new and approved credit card applicants and is limited to one offer per person. You are not eligible for the initial 25,000 bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. ANZ may change or withdraw this offer at any time without notice. This offer cannot be used with any other offers, packages or promotions, and is not available if you’re transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

To be eligible for the initial 25,000 bonus Qantas Points, you must meet the $3,500 spend criteria within 4 months of your approval date. Your approval date is the disclosure date specified in your Letter of Offer. Any purchases made within 4 months of your approval date that are refunded or reversed will not count towards meeting the spend criteria.

Some transactions and other items are not considered eligible purchases as they are not eligible to earn Qantas Points. These include: interest charges or bank fees, cash advances and balance transfers (as defined in the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf)), transactions made using the BPAY® scheme or Post Billpay service, Government Charges or payments to the ATO, and premiums paid for ANZ Credit Card Insurance. For further details, see the [ANZ Frequent Flyer Reward Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf).

If you are eligible for this offer, the initial 25,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of meeting the spend criteria.

If you do not meet the spend criteria within 4 months of your approval date, you won't receive the initial 25,000 bonus Qantas Points. You may still be eligible for the additional 25,000 bonus Qantas Points if you retain your card for over 12 months from the date your first annual fee is charged. The additional 25,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of your second annual fee being charged. The second annual fee is generally charged 12 months from the first annual fee.

The 50,000 bonus Qantas Points will not be credited if your ANZ Credit Card Account is closed, cancelled, suspended, transferred, has any overdue amount, or if you breach the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or [ANZ Frequent Flyer Reward Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) prior to, or at the time of, the bonus Qantas Points being credited to your Qantas Points balance.

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18\. Offer available to new and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

If approved, to be eligible for the 85,000 extra ANZ Reward Points and $50 credit back to your new ANZ Rewards Platinum card, you must meet the spend criteria within 3 months from the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the [ANZ Rewards - Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). The 85,000 extra ANZ Reward Points and the $50 credit will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ.

To be eligible for the 40,000 extra ANZ Reward Points, you must keep your card for over 15 months from the date you activate your card. The 40,000 extra ANZ Reward Points will generally be credited to your credit card account within 3 months of you retaining the card for over 15 months from the date you activate your card.

The extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). You are not eligible for this offer if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months.

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19\. Minimum redemption threshold applies. Allow up to 5 business days for your Velocity Points to be allocated to your account. To redeem ANZ Reward Points for Velocity Points, individuals must be both an ANZ Rewards account holder and a Velocity Frequent Flyer member. Velocity membership and Velocity Points earned and redeemed are subject to the Member Terms and Conditions, available at [velocityfrequentflyer.com/member-support/terms-conditions](https://www.velocityfrequentflyer.com/member-support/terms-conditions) as amended from time to time. Once ANZ Reward Points have been redeemed for Velocity Frequent Flyer Points, they are governed by the [Velocity Frequent Flyer Program Terms and Conditions](https://www.velocityfrequentflyer.com/member-support/terms-conditions) and cannot be reversed. ANZ holds no responsibility for flight availability, which may be limited, or any other redemption items available at [velocityfrequentflyer.com](https://www.velocityfrequentflyer.com/). Flight availability is at the sole discretion of Virgin Australia and airline partners.

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20\. Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

If approved, to be eligible for the 60,000 bonus Velocity Points and $50 credit back to your new ANZ Rewards Platinum card, you must activate the card, meet the spend criteria within 3 months from the date of approval, set up auto-redemption within 3 months of approval to automatically transfer your ANZ Reward Points to Velocity Points and keep it on for a consecutive period until the 60,000 bonus Velocity Points are made available for redemption. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the [ANZ Rewards - Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). The 60,000 bonus Velocity Points will generally be made available for redemption within 3 months of meeting the spend and eligibility criteria. The $50 credit will be applied to the purchases balance within 3 months of meeting the spend and eligibility criteria and does not constitute a payment under your contract with ANZ.

To be eligible for the 20,000 bonus Velocity Points, you must keep your card for over 15 months from the date you activate your card, set up auto-redemption within 3 months from the date of approval to automatically transfer your ANZ Reward Points to Velocity Points and keep it on for a consecutive period until the 20,000 bonus Velocity Points are made available for redemption. The 20,000 bonus Velocity Points will generally be made available for redemption within 3 months of meeting the eligibility criteria.

The bonus Velocity Points and $50 credit back available under this offer will not be credited if your credit card is cancelled, suspended, transferred, or if you have breached either the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf) prior to the bonus Velocity Points or the $50 back being credited to your account. You are not eligible for this offer if you currently hold or have held an ANZ Rewards or Frequent Flyer credit card in the last 24 months.

To enable you to redeem the 60,000 and 20,000 bonus Velocity Points, you will be sent either an: (i) SMS with a link to a redemption website and your Reward Code to enable you to continue with the redemption process; or (ii) Email to the email address listed on your ANZ account with a link to a redemption website to switch on ANZ Rewards Auto-Redemption for Velocity Points and your Reward Code to continue with the redemption process.

The redemption website is powered by Digital Glue Pty Ltd ABN 36 127 466 899\. It may take up to 90 days from the eligible criteria being met to receive your SMS or email. You must redeem the Reward Code for the relevant points before the expiry date listed in the SMS or email, otherwise you will forfeit any entitlement to do so.

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21\. Refer to the Electronic Banking Conditions of Use contained in your product [terms and conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf).

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##  About us

* [ Our company](https://www.anz.com.au/about-us/our-company/)
* [ Debt Investor Centre](https://www.anz.com.au/debtinvestors/centre/)
* [ ANZ Newsroom](https://www.anz.com.au/newsroom/home/)
* [ Shareholder Centre](https://www.anz.com.au/shareholder/centre/)
* [ Environment, Social and Governance](https://www.anz.com.au/about-us/esg/)
* [ Careers](https://www.anz.com.au/careers/)
* [ Accessibility Statement](https://www.anz.com.au/about-us/accessibility-statement/)

##  Our other sites

* [ Institutional banking](https://www.anz.com.au/institutional/)
* [ Private banking](https://www.anz.com.au/private-banking/)
* [ Mobile lending](https://www.anz.com.au/personal/home-loans/get-started/mobile-lending/)
* [ Residential brokers](https://www.anz.com.au/promo/broker/)
* [ Commercial brokers](https://www.anz.com.au/business/commercial-broker/)

##  Security

* [ Security hub](https://www.anz.com.au/security/)
* [ Types of scams](https://www.anz.com.au/security/types-of-scams/)
* [ Latest security alerts](https://www.anz.com.au/security/latest-scams-australia/)
* [ Report fraud](https://www.anz.com.au/security/report-scams-fraud/)
* [ Report a lost or stolen card](https://www.anz.com.au/support/online-banking/manage-your-card/lost-stolen-card/)

##  Contacts

* [ Contact us](https://www.anz.com.au/support/contact-us/)
* [ Phone directory](https://www.anz.com.au/support/contact-us/phone-directory/)
* [ Book a branch appointment](https://www.anz.com.au/book-appointment/)
* [ Complaints](https://www.anz.com.au/support/complaints/)
* [ Financial hardship assistance](https://www.anz.com.au/support/services/financial-hardship/)
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# Source: https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf

ANZ CREDIT CARDS 
CONDITIONS OF USE
31.07. 2025
CONSUMER CREDIT CARDS

2 
ANZ CONTACTS 
GENERAL ENQUIRIES 
For enquiries about your Credit Card or Credit Card Account go
to anz.com, call ANZ Cards on 13 22 73 or visit an ANZ branch.
Hearing and speech impaired customers can utilise the TTY
(telephone typewriter) service by calling 1300 366 255 
LOST OR STOLEN CARDS 
For lost or stolen cards, suspected unauthorised use or lost or
divulged PINs or passwords please contact ANZ straight away.
Information on how to report a lost or stolen card is available
on anz.com, or you can call the following numbers: 
If you are in Australia   - Freecall™* 1800 033 844 (24 hours a day) 
If you are overseas   - +61 3 9683 7043 (24 hours a day)
* Free call from fixed lines only. FreecallTM is a registered trademark of
Telstra Corporation Limited ABN 33 051 775 556 
ANZ COMPLAINT RESOLUTION CENTRE 
Phone:   1800 805 154 (8am – 7pm AEST/AEDT weekdays
excluding national public holidays) 
Email:   yourfeedback@anz.com 
Online:   Visit anz.com (Select ‘Complaints and compliments’
under ‘Find out more’, Select ‘Lodge your feedback
online’) 
Mail:   ANZ Complaint Resolution Centre Locked Bag 4050,
South Melbourne, VIC 3205

3 
AUSTRALIAN FINANCIAL COMPLAINTS
AUTHORITY (AFCA) 
Phone:   1800 931 678 
Email:   info@afca.org.au 
Website:   www.afca.org.au 
Mail:   Australian Financial Complaints Authority GPO Box 3,
Melbourne, VIC 3001 
IMPORTANT NOTICE 
This document does not contain all the precontractual
information required to be given to you.

4 
TABLE OF CONTENTS 
ANZ Contacts   2
Part A
Conditions of Use   6 
1.   Introduction   6
2.   Definitions   7
3.   Your Credit Limit   11
4.   Your liability if you allow use by others   11
5.   Transaction Balances on your Credit Card Account   12
6.   Promotional Plans   13
6A.   ANZ Instalment Plan at Checkout   13
7.   Debits and credits to your Credit Card Account   22
8.   Informal overlimits   23
9.   Using the Credit Card Account   24
10.   Transactions on your Credit Card Account   27
11.   Statements   32
12.   Amounts you must pay on your Credit Card Account   32
13.   How to make payments to your Credit Card Account   34
14.   How we apply payments and other credits   35
15.   How we calculate and charge interest   36
16.   Fees and charges you must pay   39
17.   Adjustments ANZ may make   40
18.   Keeping your Credit Card secure   40
19.   What to do if your Credit Card is lost or stolen   41
20.   Disputing Transactions and your liability   42
21.   Cancellation and termination   43
22.   Credit card reissue and replacement   46
23.   What happens if you are in default   47
24.   Changes to the Credit Card Contract   48
25.   Complaints feedback and errors   53
26.   Privacy and Confidentiality   53
27.   Commissions and Related Payments   57
28.   How we will contact you or send you things   57
29.   Updating your personal details   58
30.   General Matters   58

5
Part B
Electronic Banking Conditions of Use   61 
Definitions   61
1.   Transaction limits   63
2.   How you can use ANZ Internet Banking   63
3.   Fees and charges for Mobile Banking   63
4.   Access to and use of Pay Anyone and International
Services   63
5.   Access levels for ANZ Phone Banking, ANZ Internet
Banking and Mobile Banking   64
6.   Processing instructions - general   66
7.   Processing instructions - ANZ Phone Banking, ANZ
Internet Banking and Mobile Banking   67
8.   Processing instructions - Pay Anyone and International
Services   68
9.   Processing instructions - BPAY ®   69
10.   Short Message Service (SMS) and other messages   72
11.   Card validity   72
12.   Lost or stolen cards, password, PIN or Telecode   72
13.   Cancellation of cards or electronic access   73
14.   Withdrawal of electronic access   74
15.   Password, PIN and Telecode security   74
16.   Unauthorised transactions   76
17.   Additional protection Visa - Zero liability   79
18.   Equipment malfunction   79
19.   Liability under the BPAY ®   Scheme   80
20.   Indemnity   82
21.   Mistaken internet payments   83
22.   Changes to the Electronic Banking Conditions of Use   85 
Part C
Information Statement   87 
Things you should know about your proposed
credit   contract   87
The contract   87
Insurance   89
General   90

6 
PART A
CONDITIONS OF USE 
1.   INTRODUCTION 
1.1   Your Credit Card Contract 
(a)   Your Letter of Offer and these Conditions of Use (that
is, Part A of this booklet) together form the terms
of your Credit Card Contract with us. They set out
the terms and conditions that apply to you and any
Additional Cardholders.
(b)   The Electronic Banking Conditions of Use, which are
included for your reference in Part B of this booklet,
also apply to your Credit Card Account, but do not
form part of the Credit Card Contract.
(c)   Part C of this booklet gives you some information
about your rights and obligations, but does not form
part of the Credit Card Contract.
(d)   The contract starts when you accept our offer to
provide credit. You can do this by activating your
Credit Card, or when you or an Additional Cardholder
uses their Credit Card or transacts on the Credit
Card Account for the first time. We may allow you to
accept our offer in other ways.
(e)   We can amend the Credit Card Contract without your
agreement (see Clause 24). These amendments can
include changes to the fees and charges that you
pay. If you are not happy with any changes we make,
you can ask us to close your Credit Card Account and
terminate the Credit Card Contract under Clause 21.1.
(f )   Information on current interest rates, fees and
charges is available on request. 
1.2   Promotional Plan and other terms that may apply 
(a)   If you have a Promotional Plan on your account then
additional terms and conditions may apply. These
terms and conditions will form part of your Credit
Card Contract by agreement with us and will be made
available to you separately.
(b)   Other terms and conditions may also be relevant
to you and will be made available separately, for

7 
example reward program terms and conditions
which apply if you have a rewards card. 
1.3   Codes that we will comply with 
The Banking Code of Practice applies to your credit
contract. We also follow ASIC’s ePayments Code. 
1.4   Identification 
(a)   The law imposes obligations on us to verify the
identity of anyone who is authorised to use or have
access to the Credit Card Account. This includes you,
Additional Cardholders, signatories and agents.
(b)   These parties must meet our customer identification
process to our satisfaction (acting reasonably) before
they use a Credit Card or the Credit Card Account.
They may also be required to repeat the process
or update those details from time to time if we
reasonably believe this is necessary. 
2.   DEFINITIONS 
The following definitions apply in the Credit Card
Contract unless the context requires otherwise.
‘ Additional Cardholder ’ means a person you have
nominated and we have accepted as an additional
cardholder on your Credit Card Account.
‘ Adjusted Closing Balance ’ means the Closing Balance
less the sum of any Promotional Plan balances that
relate to an Instalment Plan, a Buy Now Pay Later
Plan or a Promotional Balance Transfer Plan, plus any
instalments   due under any Instalment Plan (including
instalments previously due which have not yet been paid).
‘ Amount ’ means a Purchase amount and may include
associated Setup Fees, relevant transaction or account
fees (including merchant surcharges), stamp duty and
related charges applicable to the Purchase.
‘ Annual Interest Rate ’ means the annual percentage rate
that applies to a Transaction Balance on your Credit Card
Account at the relevant time.
‘ ANZ Business Day ’ means any day which is not a
Saturday, Sunday or Australian national public holiday.

8 
‘ ANZ Instalment Plan at Checkout ’ or ‘ Checkout
Instalment Plan ’ or ‘ Checkout Plan ’ means an Instalment
Plan which may be requested by you at checkout when
authorising a Transaction in respect of a Purchase.
An ANZ Instalment Plan at Checkout is an Instalment
Plan and a Promotional Plan for the purposes of these
Conditions of Use.
‘ Available Channel ’ or ‘ Available Digital Channel ’
means a contact method that we make available for
the purposes of cancelling an ANZ Instalment Plan at
Checkout from time to time as specified on anz.com
‘ Balance Transfer ’ means the transfer of money by us to
another account (for example, a credit, charge or store
card account) that you or another person holds with
someone other than ANZ, and which we agree to treat as
a Balance Transfer.
‘ Buy Now Pay Later Plan ’ means a plan that requires no
repayment of an agreed amount, and where no interest is
charged on that amount, for a specified period.
‘ Cash Advance ’ means any of the following:
•   use of your Credit Card or Credit Card Account for
obtaining cash in any currency;
•   paying for things that are equivalent to or capable of
being used as a substitute for cash or money or as a
medium of exchange, including traveller’s cheques,
cheques, drafts or money orders, international money
transfers, crypto-currency or stored value cards;
•   transferring money, including through internet
banking, phone banking or mobile banking (unless
we treat it as a Balance Transfer);
•   paying a bill (unless it’s through BPAY® and where the
biller accepts a credit card for the payment);
•   paying for lottery or gambling goods or services; or
•   any transaction which the merchant, Visa or another
person involved in accepting or processing the
transaction treats as a cash advance, or tells us is a
cash advance.
Depending on the circumstances, we may treat any of
these things as a Purchase instead of a Cash Advance.

9 
In deciding whether a transaction is a Cash Advance we
rely on information provided by the merchant, Visa or
another person involved. This includes information we are
given about the type of business carried on by the person
accepting it. In that case we will treat all transactions with
those types of businesses as a Cash Advance, even if it isn’t
something listed above (for example, transactions with
businesses that sell lottery tickets).
‘ Checkout Plan Interest Rate ’ means the Annual Interest
Rate that applies to a particular Amount enrolled in a
Checkout Instalment Plan.
‘ Closing Balance ’ means the Credit Card Account Balance,
calculated on the day we issue a statement as the
balance for the end of the statement period.
‘ Conditions of Use ’ means Part A of this booklet.
‘ Credit Card ’ means a credit card (whether in plastic or
digital form) which we have issued for use on your Credit
Card Account and which is subject to these Conditions
of Use.
‘ Credit Card Account ’ means the account we use to
record transactions under your Credit Card Contract.
‘ Credit Card Account Balance ’ means the total of your
Transaction Balances at any time.
‘ Credit Card Contract ’ means the Letter of Offer and the
Conditions of Use (that is, Part A of this booklet).
‘ Due Date ’ means the date by which a payment must be
made, as shown on your statement.
‘ Electronic Banking Conditions of Use ’ means Part B of
this booklet, as amended or replaced by us from time to
time.
‘ Event of Default ’ means one of the circumstances
referred to in Clause 23(a).
‘ Instalment ’ means the amount payable under an
Instalment Plan on a Due Date over the Plan Period.
‘ Instalment Plan ’ means a plan that sets fixed payments
on an agreed amount for a specified period.
‘ Letter of Offer ’ means the letter we send you offering
use of a Credit Card Account.

10 
‘ Minimum Monthly Payment ’ means the minimum
payment required to be made by you each month, as
shown on your statement.
‘ Plan Period ’ means the period an Amount is enrolled in a
Checkout Instalment Plan.
‘ Promotional Balance Transfer Plan ’ means a Balance
Transfer plan with an interest rate or other terms that
differ from our standard Balance Transfer interest rate or
other terms at the time the plan is offered.
‘ Promotional Plan ’ means any special plan on your
Credit Card Account which has a separate balance to the
Purchases balance, the Cash Advances balance or the
standard Balance Transfer balance and which separate or
additional terms may apply to (for example, relating to
interest or repayment). It includes:
•   an Instalment Plan;
•   a Buy Now Pay Later Plan;
•   a Promotional Balance Transfer Plan; or
•   any other plan which we tell you is a promotional
plan or a promotional offer.
‘ Purchase ’ means:
•   a purchase of goods or services that is not a Cash
Advance; or
•   any other use of your Credit Card or Credit Card
Account that we treat as a purchase.
‘ Setup Fees ’ means fees chargeable by ANZ where we
accept a request from you to enrol an Amount in a
Checkout Instalment Plan.
‘ Transaction ’ means a Purchase, Cash Advance or Balance
Transfer.
‘ Transaction Balance ’ means:
(a)   the Purchases balance;
(b)   the Cash Advances balance;
(c)   the standard Balance Transfers balance; or
(d)   a Promotional Plan balance.

11 
‘ we ’, ‘ us ’ or ‘ ANZ ’ means Australia and New Zealand
Banking Group Limited ABN 11 005 357 522, Australian
Credit Licence number 234527, and its successors,
assignees or transferees.
‘ you ’ means the person in whose name the Credit Card
Account has been opened.
A reference in your Credit Card Contract to any
agreement or document includes it as amended,
assigned, transferred or replaced from time to time. 
3.   YOUR CREDIT LIMIT 
(a)   We tell you your initial credit limit in your Letter of
Offer. It applies to your Credit Card Account and you
share it with any Additional Cardholders.
(b)   You can ask us to increase your credit limit at any
time. Any request to increase your credit limit will be
subject to our usual credit assessment criteria.
(c)   We will reduce your credit limit if you ask us to. You
will have to repay any amount outstanding on your
Credit Card Account that is above the new credit limit
before we can complete your request.
(d)   Any requested credit limit cannot be below the
minimum credit limit that applies to your Credit Card
type.
(e)   You can ask us to increase or reduce your credit limit
by calling us or visiting anz.com 
4.   YOUR LIABILITY IF YOU ALLOW USE BY
OTHERS 
(a)   You can nominate any person who is 16 years or
older to be added as an Additional Cardholder on
your Credit Card Account. If we agree we may, if
asked to do so, issue an additional Credit Card to
them.
(b)   You are liable for any use by an Additional Cardholder
of any Credit Card or the Credit Card Account, or any
account linked to a Credit Card, including for any
debits to the Credit Card Account. You can dispute
liability in some circumstances. See Clause 20.

12 
(c)   Each Additional Cardholder must comply with
relevant provisions of the Credit Card Contract, and
you will be responsible for any breach if they don’t.
(d)   When nominating a person as an Additional
Cardholder, you are authorising them to:
(i)   operate the Credit Card Account and any accounts
linked to a Credit Card in the same way that you
can; and
(ii)   access the same information that you can about
those accounts.
However, some restrictions may apply.
(e)   You, or the Additional Cardholder, can ask us to
cancel an additional Credit Card. If that happens, or
if we cancel an additional Credit Card under Clause
21.2, then the additional Credit Card must not be
used and should be securely destroyed (including
any chip). You are still liable for any amounts that are
debited to the Credit Card Account as a result of use
of the additional Credit Card (including transactions
that have not yet been processed or under any
standing authorities that have not been cancelled). 
5.   TRANSACTION BALANCES ON YOUR
CREDIT CARD ACCOUNT 
(a)   You can use your Credit Card Account for Purchases,
Cash Advances and Balance Transfers.
(b)   You have a separate Transaction Balance on your
Credit Card Account for each of these Transaction
types. You may also have one or more Promotional
Plan balances if a Promotional Plan applies. See Clause
6 for more information about Promotional Plans.
(c)   Debits (for example Transactions, fees and charges
and interest) and credits (for example payments,
refunds and reversals) are allocated to these
Transaction Balances.
(d)   Different rates of interest may apply to each
Transaction Balance.
(e)   Clause 15 describes the debits included in each
Transaction Balance and how we calculate and
charge interest on your Credit Card Account.

13 
(f )   These Transaction Balances together make up your
Credit Card Account Balance. 
6.   PROMOTIONAL PLANS 
(a)   Promotional Plans may only apply for a limited period.
(b)   In some circumstances amounts may be included in
another Transaction Balance before they are moved
to the Promotional Plan. In that case the Annual
Interest Rate and other terms applying to that
Transaction Balance will apply until the transfer to the
Promotional Plan is complete.
(c)   After a Promotional Plan ends, if you haven’t already
repaid the relevant Promotional Plan balance it will
move to another one of your Transaction Balances
and become part of that Transaction Balance.
(d)   This means that when the transfer has become
effective, the Annual Interest Rate and other terms
applying to that Transaction Balance will apply to the
unpaid Promotional Plan Balance which has been
moved.
(e)   You will be told in the relevant Promotional Plan
terms, or your Letter of Offer, when the Promotional
Plan will end, and the Transaction Balance that the
Promotional Plan balance will move to when it ends.
(f )   If any debits or credits occur which relate to the
relevant Promotional Plan balance after it has ended
(for example a reversal or return, or a fee), then we
will generally process them, or transfer them, to the
Transaction Balance that the relevant Promotional
Plan has moved to. 
6A.   ANZ INSTALMENT PLAN AT CHECKOUT 
6A.1   What is an ANZ Instalment Plan at Checkout? 
(a)   This section 6A covers ANZ Instalment Plan at
Checkout and should be read as part of these
Conditions of Use.
(b)   ANZ Instalment Plan at Checkout allows you to
request at checkout that we split an Amount into 3, 6,
9 or 12 monthly Instalments.

14 
(c)   If a Checkout Instalment Plan option appears at
checkout you have the option to request to enrol the
Amount in a Checkout Instalment Plan.
(d)   You should not assume:
(i)   that a Checkout Instalment Plan option will appear
at checkout for a Purchase as this is subject to
ANZ’s discretion and factors including eligibility
criteria; or
(ii)   if the Checkout Instalment Plan option does
appear at checkout, that your request to enrol
an Amount in a Checkout Instalment Plan will be
received and accepted by ANZ. 
6A.2   Requesting to enrol an Amount in an ANZ Instalment
Plan at Checkout 
(a)   To request to enrol a particular Amount displayed at
checkout into a Checkout Instalment Plan, you must:
(i)   review and choose from one of the available
Checkout Instalment Plan options presented on
the payment terminal. Each Checkout Plan option
will display the Amount to be enrolled in the
Checkout Plan, number of monthly Instalments
and estimated monthly Instalment amount; and
(ii)   review the summary Checkout Instalment Plan
information that is displayed on the payment
terminal before submitting a request to enrol the
Amount in a Checkout Plan. If you choose not to
proceed with your request to enrol an Amount
into a Checkout Plan, you can pay for the Purchase
in the ordinary way at checkout.
(b)   By proceeding with a Purchase and requesting an
ANZ Instalment Plan at Checkout through a payment
terminal, you are:
(i)   authorising the Transaction. In accordance with
clause 9.3(a) of these Conditions of Use, you agree
that ANZ can debit the amount of the Transaction
from your Credit Card Account; and
(ii)   submitting a request for the Amount to be
enrolled in a Checkout Instalment Plan as
described in clause 6A.3.

15 
(c)   If your Transaction is approved, we will debit the
amount of the Transaction from your Credit Card
Account and consider your request to enrol the
Amount into the Checkout Instalment Plan that you
have selected.
(d)   Where a Setup Fee applies to an ANZ Instalment Plan at
Checkout, the amount of the Setup Fee will be set out
in each of the Checkout Plan options on the payment
terminal. Where a Setup Fee is described on the
payment terminal, the Setup Fee is an Instalment Plan
Fee, and a fee that relates to the relevant Promotional
Plan for the purposes of your Credit Card Contract. The
Setup Fee is charged upfront but is payable in monthly
Instalments over the term of your Checkout Plan. This
means that if you cancel your Checkout Plan (or don’t
pay the required Checkout Plan Instalments) you must
still pay the whole Setup Fee, including any interest on
the Setup Fee (if applicable).
(e)   If a Setup Fee applies to an ANZ Instalment Plan
at Checkout, the Checkout Plan Interest Rate that
applies to the Checkout Plan will be 0% p.a. for the
duration of the Plan Period. 
6A.3   How ANZ Instalment Plan at Checkout works 
(a)   By requesting to enrol an Amount into an ANZ
Instalment Plan at Checkout you’re asking us to:
(i)   add the relevant Setup Fee that is described
on the payment terminal to the amount of
the Purchase and include the Amount in your
Promotional Plan balance; or
(ii)   apply the relevant Checkout Plan Interest Rate as
set out on the payment terminal to the relevant
Promotional Plan balance for the Plan Period and
calculate interest on that Amount at that rate in
accordance with your Credit Card Contract.
(b)   In addition, by requesting to enrol an Amount into an
ANZ Instalment Plan at Checkout you are asking us to:
(i)   apply the terms in this section 6A in addition
to the terms in these Conditions of Use if your
request is approved; and

16 
(ii)   apply payments you make to your Credit Card in
the manner described in clause 6A.4(b) of these
Conditions of Use during the Plan Period.
(c)   By requesting to enrol an Amount in an ANZ
Instalment Plan at Checkout, you are asking to
pay the Amount in Instalments according to the
following:
(i)   the Amount will be payable in the number of
Instalments requested;
(ii)   each Instalment will be due in each of the next
statement periods after the Amount is enrolled
during the Plan Period. For example, if you have
selected 3 Instalments, an Instalment will be due
on the Due Dates of each of the next 3 statement
periods after the Amount is enrolled;
(iii)   to calculate the amount of each Instalment
according to the following: 
(a)   if the Checkout Plan Interest Rate is 0% p.a.,
each Instalment will be an equal amount
except the final Instalment which will be the
balance of the Amount; or 
(b)   if the Checkout Plan Interest Rate is greater
than 0% p.a.: 
(i)   for each Instalment other than the final
Instalment - an equal division of the
Amount that is enrolled plus applicable
interest that has accrued on the Checkout
Plan balance as at the last day of the
relevant statement period; and 
(ii)   for the final Instalment - the remainder
of the Amount that was enrolled plus
applicable interest that has accrued on the
Checkout Plan balance as at the last day of
the relevant statement period.
(d)   If we agree to your request:
(i)   we will enrol the Amount you have requested to
enrol into an ANZ Instalment Plan at Checkout on
your Credit Card Account and the transfer to the
Checkout Plan will be effective from the date of
Purchase;

17 
(ii)   the Instalments will form part of your ‘Minimum
Monthly Payments’ in accordance with these
Conditions of Use;
(iii)   the amount of each Instalment due will be
specified in your statement during the Plan Period
and these amounts may vary from the estimated
Instalment amounts described at checkout;
(iv)   the Checkout Plan Interest Rate (if applicable)
will be an agreed variation to the interest rate for
Purchases that applies to your Credit Card Account
and will apply to the Promotional Plan balance for
the Checkout Plan; and
(v)   we will notify you that we have agreed to your
request.
(e)   The Amount may not be enrolled into an ANZ
Instalment Plan at Checkout if we do not receive
the complete Checkout Plan request information
from Visa to enable us to process your request and
set up the Checkout Plan or if there are matters
beyond ANZ’s reasonable control that prevent us
from considering your request. If we do not enrol the
Amount you have requested into an ANZ Instalment
Plan at Checkout, the Amount will be processed on
your Credit Card Account in accordance with these
Conditions of Use. You should review your statement
to confirm whether the Amount you have requested
has been enrolled into a Checkout Plan. 
6A.4   Payments to your Credit Card Account applied in
different way 
(a)   Whilst an ANZ Instalment Plan at Checkout applies
to your Credit Card Account the payments you make
to your Credit Card will be applied in a different
payment order to that described in clause 14.1 of
these Conditions of Use.
(b)   If you request to enrol an Amount into an ANZ
Instalment Plan at Checkout you are requesting
that we apply payments in a different order than we
would otherwise apply them under these Conditions
of Use during the Plan Period. We agree to this
payment request if we enrol the Amount into the
Checkout Instalment Plan that you have requested.
Where a payment is processed to your Credit Card

18 
Account during the Plan Period, we will apply it to
pay off:
(i)   first, any Buy Now Pay Later plan amounts that are
currently due;
(ii)   second, any Instalments which are currently due
under Checkout Instalment Plan and any other
Instalment Plan, in the order of those that have
the highest Annual Interest Rate to those that
have the lowest. If the Annual Interest Rate of the
Checkout Instalment Plan or any other Instalment
Plan is 0% p.a. we will apply the payment towards
paying off the Instalments on those Instalment
Plans in the order of those Instalment Plans that
have the oldest start date to those that have the
newest start date;
(iii)   third, any amounts which are not part of an
Instalment Plan or Buy Now Pay Later Plan balance
in accordance with these Conditions of Use; and
(iv)   lastly, any remaining amounts which are part of an
Instalment Plan or Buy Now Pay Later Plan balance,
in the order from those that were included in the
Closing Balance shown on your last statement
issued before the payment, before we apply it to
any amounts debited since that statement, and in
each case to those that have the highest Annual
Interest Rate to those that have the lowest. If the
Annual Interest Rate of the ANZ Instalment Plan at
Checkout or any other Instalment Plan is 0% p.a.
we will apply the payment towards paying off the
Instalments on those Instalment Plans in the order
of those Instalment Plans that have the oldest start
date to those that have the newest start date.
(c)   By applying payments in this way you may pay more
interest.
(d)   You may withdraw your request to apply payments
in this way at any time by making a cancellation
request via an Available Channel and requesting this.
If you do so ANZ will cancel the Checkout Instalment
Plan and interest may apply to any remaining ANZ
Instalment Plan at Checkout balance as described in
sub-clause 6A.5(b).

19 
(e)   Unless the individual Checkout Plan provides
otherwise, there is no interest-free period for
Amounts enrolled in a Plan. These Conditions of Use
include information about when interest free periods
on Purchases not enrolled in a Promotional Plan
apply and what you can do to regain the benefit of
interest free periods. 
6A.5   ANZ Instalment Plan at Checkout expiry or
cancellation 
(a)   A Checkout Instalment Plan continues until one of
the following occurs (whichever is first)
(i)   it ends when you have paid the final Instalment
due under the Checkout Instalment Plan;
(ii)   it expires when you have reached the end of the
Plan Period (the Checkout Instalment Plan expiry
date will be detailed in your statement); or
(iii)   if it is cancelled after it has been enrolled but at
any time before you have paid the final Instalment.
You can cancel a Checkout Instalment Plan via
an Available Channel. ANZ can also cancel a
Checkout Instalment Plan with your agreement.
The Checkout Instalment Plan ends when the
cancellation comes into effect in accordance with
this clause 6A.5.
(b)   If your Checkout Plan expires or ends early (through
cancellation by you or us with your agreement), the
Checkout Plan Interest Rate will no longer apply
to the remaining Promotional Plan balance. If a
Checkout Plan is ended early (through cancellation
by you or by us with your agreement) and there is a
remaining unpaid balance on that Checkout Plan at
the time the Checkout Plan expires or is ended:
(i)   pursuant to clause 6(c) and 6(d) of these
Conditions of Use, the remaining Checkout Plan
balance will move to and become part of your
Purchases balance. This means that when the
transfer has become effective, the Annual Interest
Rate and other terms applying to that Purchases
balance will apply to the remaining Checkout Plan
Balance which has been moved; and

20 
(ii)   the cancellation or ending of a Checkout
Instalment Plan may not be effective immediately
and will depend on factors including the day or
time when the event triggering the early end
of the Checkout Plan or when the cancellation
request is made and how it is made. The date it is
effective will be reflected on your statement in the
statement period in which the cancellation or end
is processed by ANZ. Generally: 
i.   If the Checkout Plan is ended early by ANZ
with your agreement: 
(a)   the Checkout Plan end will generally be
effective on the ANZ Business Day the plan
is ended early by ANZ; and 
(b)   the remaining Checkout Plan balance
will no longer form part of the relevant
Promotional Plan balance, and (unless
otherwise agreed) will transfer to the
Purchases balance from the next ANZ
Business Day after the Plan end is effective
and the Annual Interest Rate for Purchases
that applies to your Credit Card Account
and the terms and conditions applicable to
Purchases on your Credit Card Account will
apply to the balance from that date. 
ii.   If you request the cancellation via phone: 
(a)   where cancellation is requested before
the start of the applicable ANZ daily
processing time (currently 10.30pm on
a Monday - Friday (excluding non-ANZ
Business Days)), the Plan cancellation
will be effective on the day on which the
cancellation is requested; 
(b)   where a cancellation is requested after
the start of the applicable ANZ daily
processing time or at any time on a non-
ANZ Business Day the cancellation will
be effective the next ANZ Business Day
after the day on which the cancellation is
requested; and

21 
(c)   the remaining Checkout Plan balance
will no longer form part of the relevant
Promotional Plan balance and, unless
otherwise agreed, will transfer to the
Purchases balance, from the next ANZ
Business Day after the Plan end or
cancellation is effective and the Annual
Interest Rate for Purchases that applies to
your Credit Card Account and the terms
and conditions applicable to Purchases on
your Credit Card Account will apply to the
balance from that date. 
iii.   If the cancellation is requested via an Available
Digital Channel: 
(a)   the Checkout Plan cancellation will
generally be effective on the ANZ Business
Day the cancellation is requested. If the
cancellation is requested on a non-
ANZ Business Day, the cancellation will
generally be effective on the next ANZ
Business Day; and 
(b)   the remaining Checkout Plan balance
will no longer form part of the relevant
Promotional Plan balance, and (unless
otherwise agreed) will transfer to the
Purchases balance from the next ANZ
Business Day after the plan cancellation
is effective. The Annual Interest Rate for
Purchases that applies to your Credit Card
Account and the terms and conditions
applicable to Purchases on your Credit
Card Account will apply to the balance
from that date. 
(c)   Refunds or reversals of amounts relating
to Purchases that have been enrolled
in a Checkout Instalment Plan will not
automatically cancel the Plan and a
refunded or reversed amount will not
generally be applied as a payment towards
the Checkout Plan.

22 
7.   DEBITS AND CREDITS TO YOUR CREDIT
CARD ACCOUNT 
7.1   When debits and credits will be processed to the
Credit Card Account 
(a)   We process each debit or credit to the Credit Card
Account on the day determined by our business
processes, acting reasonably.
(b)   There may be a difference between the time and day
a debit or credit arose and the time and day on which
it is processed.
(c)   Timing may be affected by cut-off or processing
times (including cut-off and processing times of other
parties involved), weekends and public holidays,
different time zones or mail delivery times, and third
party system requirements (such as Visa’s). Cut-off
times can vary, for example different times can apply
to different payment methods. We, or someone else
involved, might also need more information from you
before we process a debit or credit.
(d)   The Electronic Banking Conditions of Use include
additional information about cut-offs and processing
times which may apply. We may also publish
information on anz.com, for example if specific rules
apply to any service provider we use. 
7.2   Dating debits and credits 
(a)   We will record each debit and credit as having
a transaction date, and a processing date. The
processing date may be different from the transaction
date.
(b)   In some circumstances we may debit an amount
(including interest or fees) before the date recorded
as the transaction date or the processing date (for
example because the date we would have debited
it is not an ANZ Business Day). This may affect the
amounts available for you to use. However, we
will only charge interest on that amount from the
transaction date. 
7.3   When payments and other credits are effective 
(a)   Payments and other credits do not form part of your
Credit Card Account Balance until they have been
processed, even if they have an earlier transaction

23 
date. Until that time, they are not taken into account
for the purposes calculating interest, satisfying
payments (including under Clause 15.3), or working
out if your account is overlimit. This applies even if
they are available for you to use before then.
(b)   We may require some payments (for example
cheques or CardPay Direct payments) to be cleared
before they will be processed and/or available
for you to use (which can take around four ANZ
Business   Days). 
7.4   When debits are effective and when we charge
interest from 
(a)   We will charge interest on each debit from the
transaction date, unless interest is not charged, for
example because an interest free period applies.
However, where we debit interest, we don’t charge
interest on that interest until the first day of the next
statement period.
(b)   If the processing date of the debit is after the
transaction date we may make adjustments to the
relevant Transaction Balance, for example to account
for interest between those dates. 
7.5   Processing order 
(a)   Our business processes also determine the order in
which we process debits and credits on any given
day. This means for example that they may not be
processed in the order they were made.
(b)   The processing order can affect the amount available
for you to use (see Clause 10.2) and the way any
excess credit is applied (see Clause 14.3). 
8.   INFORMAL OVERLIMITS 
(a)   If a debit to your Credit Card Account would result
in your outstanding Credit Card Account Balance
exceeding your credit limit, you will be taken to have
made a request for an informal overlimit amount.
(b)   We will consider your request for an informal
overlimit amount and, if both you and the debit
satisfy our criteria for informal overlimit amounts,
we will allow the debit to proceed as an informal
overlimit amount.

24 
(c)   We may charge you an overlimit fee if:
•   your account was opened on or after 18 June
2012 and you have consented to being charged
an overlimit fee, and haven’t withdrawn that
consent, at the time we allow the overlimit; or
•   your account was opened before 18 June 2012
and at the time we allow the overlimit either: 
-   you have not opted out of the overlimit fee; or 
-   if you have opted out, you have since
consented to being charged an overlimit fee
and haven’t withdrawn that consent.
(d)   We may charge interest on any informal overlimit
amount in accordance with these Conditions of Use.
(e)   You must repay any informal overlimit amount
immediately and in any case within 60 days of the
day on which an informal overlimit amount is debited
to your Credit Card Account.
(f )   By processing an amount as an informal overlimit
amount, we are not increasing your credit limit.
(g)   For more information about informal overlimits,
including how to consent or withdraw your consent
to the overlimit fee, please contact us. 
9.   USING THE CREDIT CARD ACCOUNT 
9.1   How you can use the Credit Card Account 
(a)   You must use your Credit Card Account wholly and
exclusively for your personal use.
(b)   You must not use the Credit Card Account for any
unlawful purpose, including the purchase of goods or
services prohibited by the laws of the jurisdiction you
are in. 
9.2   Credit card acceptance 
We cannot guarantee any financial institution or
merchant displaying a credit card symbol will always
accept or honour a Credit Card.

25 
9.3   Authorising amounts 
(a)   When you or an Additional Cardholder authorises
any Transaction, including by using a Credit Card or
providing card details, you agree that we can debit
the amount of the Transaction from your Credit Card
Account.
(b)   For each Transaction you or an Additional
Cardholder authorise, you are agreeing that the
amount of the Transaction is correct. Depending
on the circumstances, we may be able to reverse a
Transaction if it isn’t correct, but you must raise a
dispute under Clause 20 first.
(c)   We treat the amount of any Transaction which you
or an Additional Cardholder authorises, as well as any
fees, interest or other amounts we can debit under
your Credit Card Contract as credit that we have
provided to you.
(d)   We may rely on information from other parties
involved when we debit or credit amounts to your
Credit Card Account. You should carefully check
amounts and other details at the time you use
your card, and check any receipts. Tell the person
accepting your card if something isn’t correct. You
should also check your statements carefully and let us
know as soon as possible if you think there is an error.
Depending on the circumstances, we may also be
able to reverse or adjust a Transaction if it isn’t correct,
but you must raise a dispute under Clause 20 first. 
9.4   Standing authorities and recurring transactions 
(a)   You or an Additional Cardholder can give a merchant or
other party standing authority to debit your Credit Card
Account. This includes for recurring transactions where
the merchant or other party may debit your Credit
Card Account without getting your authorisation each
time, and for future transactions where the merchant or
other party uses stored card details.
(b)   We will generally keep debiting the relevant amounts
from your Credit Card Account until the arrangement
is cancelled.
(c)   The relevant cardholder must cancel any standing
authority directly with the merchant or other person.
You should give plenty of notice that you want to

26 
cancel, as it may take some time for them to process
the request.
(d)   If the merchant or other person does not cancel the
standing authority after they have been asked to
then you can ask us to help you resolve the dispute
under Clause 20 (you should keep evidence of your
request).
(e)   If you or an Additional Cardholder gets a new Credit
Card (for example if a Credit Card expires or is lost
or stolen and in either case a replacement issued),
existing standing authorities should be cancelled
and set up with the replacement card details, or
your details updated as appropriate, if you want
the standing authorities to continue. In some cases
an existing standing authority may automatically
continue (for example, under Visa’s arrangements
with some merchants, there may be circumstances
where credit card details are automatically updated
when a replacement card is issued). If you don’t want
that to happen then you must cancel the standing
authority.
(f )   If:
(i)   An Event of Default has occurred under clause 23;
or
(ii)   Your Credit Card has been cancelled or suspended
or your Credit Card Account has been blocked or
closed in accordance with these Terms, 
then ANZ may stop processing recurring or other
relevant transactions even if the relevant standing
authority has not been cancelled. 
9.5   Exchange rates used for foreign currency amounts 
(a)   All amounts transacted in a currency other than
Australian dollars will be converted into Australian
dollars by Visa. Visa will determine the conversion
process and rate or rates used.
(b)   In some cases, the merchant or other party involved
may set the exchange rate so that you can pay in
Australian dollars (in this case an overseas transaction
fee may still be charged).

27 
(c)   If any amount debited to the Credit Card Account in
a foreign currency is later refunded or reversed, the
payments made in Australian dollars to the Credit
Card Account may differ from the original Australian
dollar amount. 
9.6   Related charges 
(a)   The merchant or other person involved in accepting
or processing a transaction, or the recipient of any
money, may impose additional related charges. These
include, for example merchant surcharges, branch
fees or ATM fees.
(b)   These charges are outside our control and generally
we are not able to identify them on your statement.
They will (where applicable) form part of the
transaction amount (including for the purposes of
calculating any fee we are entitled to charge for a
Transaction), and will be debited to the relevant
Transaction Balance. 
10.   TRANSACTIONS ON YOUR CREDIT CARD
ACCOUNT 
10.1   Authorisations by ANZ 
(a)   Before any Transaction is made, the merchant or
other person involved in the Transaction may obtain
an authorisation for the Transaction.
(b)   We can decline or refuse to authorise a Transaction
where:
•   you do not have sufficient credit available on your
Credit Card Account;
•   ATM, cash advance or gambling limits apply to the
Transaction;
•   a Credit Card has been cancelled or suspended or
your Credit Card Account has been blocked;
•   we reasonably suspect fraud on a Credit Card
Account; or
•   we reasonably consider it necessary to reduce the
risk of loss to you or to ANZ. 
An authorisation may reduce the amount of credit
available to you on your Credit Card Account (and

28 
the Transaction may be shown as ‘pending’). If the
Transaction is not completed, the amount of credit
may continue to be reduced for a period of time,
usually for around six ANZ Business Days.
(c)   The amount we process to your Credit Card Account
may be different from the amount we authorise. For
example, if the merchant has obtained authorisation
for an estimated amount it can settle for a higher
amount without getting another authorisation, or if
the transaction is in a foreign currency the exchange
rate can change before the transaction is settled.
This   means you could exceed your credit limit when
the amount is processed. 
10.2   Indicative amounts shown 
(a)   You may be shown amounts, for example at an ATM,
on internet banking or mobile banking, or on a
receipt or transaction summary, which is indicative of:
•   the amount you are able to use in your Credit Card
Account (which might, for example, be referred
to as ‘funds’, or just a ‘$’ figure) - this amount
may reflect some, but possibly not all, debits
and credits that have been made but not yet
processed; or
•   the amount you owe or that is in your Credit Card
Account (which might, for example, be referred to
as ‘balance’) – this amount only reflects the debits
and credits which have actually been processed
by us as at a specific point in time.
(b)   This means for example that:
•   it may appear that you have a positive Credit Card
Account Balance when you make a transaction,
but there may not be a positive balance when that
transaction is processed, and you may have to pay
interest and applicable fees; or
•   it may appear that you have sufficient credit
available to use for a transaction but it may be
declined, or there may not be sufficient credit at
the time it is processed and your account may go
overlimit. 
This might be because credits are still pending, or
another debit has arisen and/or been processed first.

29 
(c)   Please see Clause 8 for further details of what may
happen if you go overlimit, and Clause 7 for more
information about how we process debits and credits. 
10.3   Anti-money laundering compliance and sanctions 
(a)   You agree that we may, without providing you with
any notice and without incurring any liability delay,
block or refuse to process any transaction, or close
your account, if we reasonably consider or suspect
that processing the transaction or keeping your
account open:
•   may break any law or regulation in Australia or any
other country;
•   involves any person (natural, corporate or
governmental) that is itself sanctioned or is
connected, directly or indirectly, to any person
that is sanctioned under economic and trade
sanctions imposed by the United Nations, the
European Union or any country;
•   may directly or indirectly involve the proceeds
of, or be applied for the purposes of, unlawful
conduct; or
•   may be inconsistent with or prohibited by our
anti-money laundering and counter-terrorism
financing or sanctions policies.
(b)   Such policies, which can change from time to
time, are designed to help ANZ comply with legal
obligations and to identify, manage and mitigate
money laundering, terrorism financing and sanctions
risks. These policies cover matters such as ANZ’s
approach to:
•   customer due diligence;
•   monitoring transactions for indicators of unusual
behaviour and reporting suspicious activities to
appropriate authorities; and
•   transactions that may be connected, directly or
indirectly, with sanctioned parties, jurisdictions,
products or sectors of economies in certain
jurisdictions.
(c)   A summary of our anti-money laundering and
counter-terrorism financing policy and our sanctions

30 
policy is available on anz.com and includes, for
example, a current list of relevant jurisdictions.
(d)   You must give us all the information we reasonably
need to manage anti-money laundering, counter-
terrorism financing and/or economic and trade
sanctions risk or to comply with any law in Australia
or any other country.
(e)   You agree that we may give any information about
you to:
•   any law enforcement, regulatory agency or court
if we must do this under any law or regulation in
Australia or elsewhere; and
•   any correspondent (or agent) bank we use to
make the payment for the purpose of compliance
with any law or regulation.
(f )   Unless you have told us that you are a trustee of the
account or are acting on behalf of someone else, you
warrant that you are acting on your own behalf in
entering into this agreement.
(g)   You declare and undertake to us that the processing
of any transaction by us in accordance with your
instructions will not breach any law or regulation in
Australia or any other country. 
10.4   Gambling transactions 
(a)   We may decline or refuse to process any gambling
transaction on your Credit Card Account without
notice and without incurring any liability to you.
(b)   We will publish guidelines on anz.com explaining
when we can decline or refuse to process a gambling
transaction.
(c)   We will tell you of any new or changed guidelines
at least 20 days before the guidelines take effect by
a notice on or with a statement, or by a notice in a
national newspaper, or any other public notice as
long as the requirements of any applicable law or
Code are met.
(d)   We may rely on information from a merchant, Visa
or another person involved to identify a gambling
transaction. That information may not correctly
characterise all Transactions. For example, all

31 
Transactions with merchants who sell lottery tickets
may be identified as gambling transactions. Other
Transactions that you intend to be for gambling
purposes may not be identified, and we will have no
liability to you in failing to identify them.
(e)   These provisions do not oblige us to decline a
gambling transaction or limit your liability to us in
respect of any gambling transactions processed to
your Credit Card Account.
(f )   If we permit gambling transactions to be authorised
or processed, we may treat them as Cash Advances,
and Cash Advance limits, fees and interest may apply. 
10.5   Card Controls 
(a)   We may make certain card controls available for use
from time to time. ‘Card Control’ means a function
which we may make available for use in connection
with a Credit Card that may result in us declining or
refusing to process certain transactions or types of
transactions on the Credit Card or the Credit Card
Account.
(b)   We may publish guidelines outlining the types of
Card Controls that are currently available.
(c)   If Card Controls apply to a Credit Card then we may
decline or refuse to process applicable transactions
without incurring any liability to you. 
10.6   Cash Advance limits 
(a)   We may impose a minimum, or limits, on the amount
of Cash Advances available. You may ask us to change
the limit we have imposed.
(b)   Other financial institutions, ATMs, merchants or
service providers may also impose their own
minimum amounts or limits.
(c)   You may be required to produce suitable
identification when requesting a Cash Advance.
(d)   See anz.com for details of the current cash advance
limits that apply.
(e)   See the Electronic Banking Conditions of Use for
information about other transaction limits that might
apply.

32 
11.   STATEMENTS 
(a)   We will issue a statement to you on or before the
end of each statement period unless we decide not
to because it is not required by law. The statement
period will generally be around 30 days, ending on
or around the same day each month (taking into
account weekends and public holidays).
(b)   The statement will be available electronically if you
have internet banking or use mobile banking. We
will also send the statement to your mailing address,
unless you have asked us not to, or unless the law
allows us to send it to you electronically instead (in
which case we may send it to you in accordance with
Clause 28). It is important that you keep your contact
details up to date.
(c)   You must carefully check your statement as soon as
you get them. If you think there may be mistakes or
unauthorised transactions, if something doesn’t look
right, or if you have any questions about an entry on
a statement contact us immediately.
(d)   Depending on the circumstances, we may be able to
reverse a transaction if it isn’t correct, but you must
raise a dispute under Clause 20 first.
(e)   We may allow you to check transaction details in
other ways, for example on internet banking, phone
banking or mobile banking. 
12.   AMOUNTS YOU MUST PAY ON YOUR
CREDIT CARD ACCOUNT 
12.1   Minimum amounts you must pay 
Your statement will show your Minimum Monthly
Payment and any ‘Payable Immediately’ amount. 
12.2   Minimum Monthly Payment 
(a)   The Minimum Monthly Payment will generally be
(and, except as allowed by Clause 12.3, won’t exceed):
(i)   2% of the Closing Balance shown on your
statement (less any Instalment Plan and Buy Now
Pay Later Plan balances); or

33 
(ii)   if your account is overlimit, and you don’t have
overdue amounts which are the same or higher
than the overlimit amount, 2% of your credit limit
(less any Instalment Plan and Buy Now Pay Later
Plan balances), 
in either case rounded up to the nearest dollar, plus
any instalments that are due under any Instalment
Plan in the next statement period.
(b)   If that amount is $25 or less, then we may make the
Minimum Monthly Payment an amount which does
not exceed the lesser of $25 and the Closing Balance.
(c)   Instalment Plan and Buy Now Pay Later Plan balances
are the total of Instalment Plan and Buy Now Pay
Later Plan balances as shown on the relevant
statement.
(d)   You must pay the Minimum Monthly Payment by the
Due Date shown on the statement. 
12.3   Amounts payable immediately 
(a)   You must pay any ‘Payable Immediately’ amount
immediately.
(b)   The ‘Payable Immediately’ amount may include
amounts that are immediately due, including any
overdue amounts and any amount by which your
outstanding Credit Card Account Balance exceeds
your credit limit.
(c)   If you have both overdue amounts and overlimit
amounts, then the greater of those amounts will be
the ‘Payable Immediately’ amount.
(d)   If we don’t include amounts that are immediately due
in the ‘Payable Immediately’ amount then we may
add them to the Minimum Monthly Payment instead. 
12.4   How we work out the Due Date 
(a)   Unless we have agreed otherwise, the Due Date in
respect of each statement period is:
(i)   14 days after the end of the statement period; or
(ii)   25 days after the end of the statement period if: 
•   we have agreed with you, or told you, that you
have an interest free period of up to 55 days on
the Purchases balance, or

34 
•   you don’t have an interest free period.
(b)   If the Due Date would fall on a day that is not an
ANZ Business Day, the Due Date may be either the
previous or next ANZ Business Day depending on our
business processes. 
12.5   What to do if you are in financial difficulty 
You should tell us as soon as possible if you are in
financial difficulty. We will, with your agreement, try
and help you overcome your difficulties with managing
your Credit Card Account, including for example by
developing a repayment plan. 
13.   HOW TO MAKE PAYMENTS TO YOUR
CREDIT CARD ACCOUNT 
(a)   You can make payments to your Credit Card Account
in any way we allow. Go to anz.com for information
about the payment methods available.
(b)   All payments must be settled in Australia with
Australian dollars.
(c)   Your payment won’t be treated as made to your
Credit Card Account until we have received and
processed it. You should make sure you allow time for
the payment to reach us, especially if you are paying
from another bank or by mail. See Clause 7 for more
information about processing.
(d)   When we make adjustments to your Transaction
Balances to account for refunds and reversals, we
don’t treat them in the same way as payments to
the Credit Card Account for the purposes of seeing
whether you have met your minimum monthly
payments under Clause 12. That means you could be
in default under the Credit Card Contract and/or be
charged a late payment fee even though a refund or
reversal has been processed to your account by the
Due Date.
(e)   However when we assess whether or not you have
paid your Closing Balance or Adjusted Closing
Balance for the purposes of Clause 15.3, we will
generally treat a refund or reversal as a payment,
except that we may not treat it as effective until the
next date on which an actual payment is processed

35 
to the Credit Card Account, or until the next Due Date
(which in some circumstances means we may charge
interest on your Purchases Balance until then).
(f )   In some circumstances payments can be rejected
(for example, because there is an error with them).
If they are subsequently processed, we will make
adjustments to your Transaction Balances, but they
may not be treated as a payment for the purposes of
Clause 12 or Clause 15.3. This means you could be in
default, be charged a late payment fee or overlimit
fee and/or be charged interest (unless the rejection is
due to ANZ’s fraud, wilful misconduct or error).
(g)   If a payment made to your account is reversed
(for   example because it was paid to you in error,
or   because we have agreed in our discretion,
acting   reasonably, to reverse it) or dishonoured,
then we will debit the Transaction Balances the
original payment was credited to accordingly,
and may make adjustments under Clause 17. The
amount of credit available for you to use will also be
reduced accordingly. This may mean you incur a late
payment fee, exceed your credit limit and/or incur
an   overlimit   fee. 
14.   HOW WE APPLY PAYMENTS AND OTHER
CREDITS 
14.1   How we apply payments 
(a)   Unless you have requested and we have agreed
a different order with you (for example where a
Promotional Plan applies which provides for a
different payment order), once a payment has been
processed we will apply it:
(i)   to pay any unpaid amount that was included in
the Closing Balance shown on your last statement
issued before the payment, before we apply it to
any amounts debited since that statement;
(ii)   in each case, in order from those that have the
highest Annual Interest Rate to those that have
the lowest.
(b)   If the same Annual Interest Rate applies to all of the
relevant amounts, we will apply the payment towards

36 
paying off those amounts in the order determined by
our business processes, acting reasonably.
(c)   In comparing the Annual Interest Rates that apply
to different amounts, we assume that interest free
periods don’t apply to the Purchases balance. 
14.2   How we apply credit from a refund or reversal 
After it has been processed we will generally apply
any credit from a refund (for example where you have
returned goods or cancelled services) or a reversal (for
example where the Transaction was made in error or
a dispute has been resolved in your favour) to reduce
amounts forming part of the Transaction Balance which
the relevant Transaction was originally debited from
(based on information provided to us). 
14.3   How we treat excess credit 
(a)   If there is any excess credit remaining after we have
applied a payment or other credit, then we will apply
it to subsequent debits in the order determined by
our business processes, acting reasonably. This will
generally be based on the order those debits are
processed, or the dates on which your Transaction
Balances were set up.
(b)   See Clause 7 for more information about when we
process debits and credits and the order we process
them in. 
15.   HOW WE CALCULATE AND CHARGE
INTEREST 
15.1   How interest is charged on Credit Card Accounts 
(a)   Unless an interest free period applies or you have a
Promotional Plan under which no interest is currently
charged, we may charge interest on each Transaction
Balance.
(b)   Interest is calculated on the Transaction Balance as
at the end of each day, using the applicable Annual
Interest Rate divided by 365.
(c)   We debit interest for a statement period (including
any adjustments under Clause 7.4 or Clause 17)
to your Credit Card Account as at the last day of
the statement period. It will be included in your
Closing Balance for the statement. Any interest that

37 
is not debited may be carried forward to the next
statement period. 
15.2   Amounts included in the Transaction Balances 
(a)   The Purchases balance includes:
•   Purchase amounts;
•   fees and charges and other amounts we
debit under Clause 16, other than any that we
reasonably consider relate to another Transaction
Balance;
•   any other amount we are entitled to debit under
the Credit Card Contract or any other terms you
have agreed to, other than an amount that we
reasonably consider relates to another Transaction
Balance; and
•   interest debited in respect of those amounts, and
on interest we have already debited.
(b)   The Cash Advances balance includes:
•   Cash Advance amounts;
•   fees and charges and other amounts we debit
under Clause 16 that we reasonably consider
relate to the Cash Advances balance; and
•   interest debited in respect of those amounts, and
on interest we have already debited.
(c)   The standard Balance Transfers balance includes:
•   standard Balance Transfer amounts;
•   fees and charges and other amounts we debit
under Clause 16 that we reasonably consider
relate to the standard Balance Transfers balance;
•   interest debited in respect of those amounts, and
on interest we have already debited.
(d)   Each Promotional Plan balance includes:
•   Transaction amounts on the relevant Promotional
Plan and other Transaction Balances transferred to
the relevant Promotional Plan (as applicable);
•   fees and charges and other amounts we debit
under Clause 16 that we reasonably consider
relate to the relevant Promotional Plan;

38 
•   interest (if any) debited in respect of those
amounts, and on interest we have already debited. 
15.3   Interest free periods 
(a)   If your Credit Card Account has interest free periods
on Purchases:
•   we won’t charge interest on the Purchases balance
for the period beginning at the start of the Credit
Card Contract and ending on the Due Date for the
first statement period;
•   after that, we won’t charge interest on the
Purchases balance if you pay the full Closing
Balance or the full Adjusted Closing Balance (as
applicable) for each statement period by the
applicable Due Date.
(b)   If you don’t pay the full Closing Balance or the full
Adjusted Closing Balance (as applicable) shown on
a statement by the Due Date, we will charge interest
on the Purchases balance from the day after the
applicable Due Date.
(c)   You can regain your interest free period if you pay
the full Closing Balance or the full Adjusted Closing
Balance (as applicable) shown on your next (or any
subsequent) statement by the Due Date. If you do
that we won’t charge interest on your Purchases
balance for the period beginning on the day after
payment. We will start charging interest again if the
circumstances in (b) above apply.
(d)   You can also regain your interest free period if the
Closing Balance or Adjusted Closing Balance shown
on a subsequent statement is nil or a positive balance
amount. In that case we won’t charge interest on the
Purchases balance for the period beginning on the
first day of the next statement period. We will start
charging interest again if the circumstances in (b)
above apply.
(e)   If you regain your interest free period, your statement
may still include interest charged for the period
before you regained it.
(f )   Your Letter of Offer will tell you if you have interest
free periods on Purchases.

39 
(g)   There is no interest free period on amounts debited
to:
•   the Cash Advances balance;
•   the standard Balance Transfers balance; or
•   any Promotional Plan balance including any
Purchases debited to it (unless the Promotional
Plan terms say that interest is not charged). 
16.   FEES AND CHARGES YOU MUST PAY 
(a)   You must pay:
•   the fees and charges set out in your Letter of Offer;
•   the fees and charges that apply to any
Promotional Plan;
•   any premiums for credit card insurance you agree
to take out in connection with your Credit Card
Contract; and
•   any enforcement expenses we may charge you
under Clause 23; and
•   any additional fees and charges we have agreed
with you or told you about under your Credit Card
Contract. 
Those fees and charges may be varied from time to
time under your Credit Card Contract.
(b)   We may debit those fees and charges to your Credit
Card Account at any time after we become entitled
to charge them.
(c)   Any annual or other periodic fees are charged for the
relevant year or period or any part of it. This means,
unless we agree otherwise, that we will not refund
them once paid, even if a Credit Card is cancelled or
your Credit Card Account is closed.
(d)   You must also pay any GST or other government
duties or charges that are payable in relation to the
Credit Card Account or any amounts debited or
credited to the Credit Card Account. We may also
debit those amounts to your Credit Card Account.

40 
17.   ADJUSTMENTS ANZ MAY MAKE 
(a)   We may adjust a debit or credit made to the Credit
Card Account to ensure that it accurately records the
legal obligations under this Credit Card Contract and
the law, for example because of:
•   an error or processing problem;
•   a payment reversal or dishonour;
•   a resolution of a dispute;
•   you asking us to move amounts between your
Transaction Balances or pay a credit balance to
you.
(b)   If we do this we may make consequential
adjustments to Transaction Balances, including
to interest. The adjustments may relate to prior
statement periods. 
18.   KEEPING YOUR CREDIT CARD SECURE 
The security of your Credit Card is very important.
You and each Additional Cardholder must:
(a)   sign the back of the Credit Card immediately once it
is received, and only use it within the ‘valid from’ and
‘until end’ dates;
(b)   securely destroy the Credit Card when it expires
(including any chip);
(c)   not let anyone else use the Credit Card, or have
access to the card details or the PIN;
(d)   take reasonable steps to protect the Credit Card from
loss, theft or misuse;
(e)   if the Credit Card is lost or stolen, or there is any
unauthorised use, immediately make a report under
Clause 19; and
(f )   comply with the security and other requirements set
out in the Electronic Banking Conditions of Use.
You are more likely to be liable for unauthorised
Transactions if you don’t do these things, see Clause 20.
Credit Cards remain the property of ANZ at all times.

41 
19.   WHAT TO DO IF YOUR CREDIT CARD IS
LOST OR STOLEN 
(a)   If you or an Additional Cardholder suspects that a
Credit Card has been lost or stolen, or that the card or
card details have been used by someone else without
authority, it should be reported to us immediately.
(b)   We will cancel the Credit Card when you notify us. We
may also cancel any other Credit Cards on your Credit
Card Account. The Credit Cards must not be used
once the report has been made, and if applicable
must be securely destroyed (including any chip).
Cancellation may not become effective immediately.
(c)   We can also cancel a Credit Card if we learn in some
other way that it has been lost or stolen (for example,
because a third party reports that they have found it).
(d)   We may issue replacement Credit Cards. Depending
on the circumstances, we may also issue you with
a new Credit Card Account and transfer your Credit
Card Account Balance to it (including any subsequent
debits referred to in paragraph (f )). Your existing
Credit Card Contract, as well as any Promotional Plan
terms, will apply to your new Credit Card Account
and/or Credit Cards.
(e)   Any standing authority on the old Credit Cards
should be cancelled and set up on the replacement
Credit Cards. See Clause 9.4 for more information
about standing authorities and recurring transactions.
(f )   Even if a Credit Card has been cancelled under this
clause, amounts may still be processed to your Credit
Card Account (including transactions that have
not yet been processed and transactions under a
standing authority (such as recurring transactions)
that have not been cancelled). You may be liable for
those amounts, and any related interest and fees.
(g)   If you want to dispute a Transaction which happened
when your Credit Card was lost or stolen or which
you didn’t authorise, you will need to lodge a dispute
under Clause 20.

42 
20.   DISPUTING TRANSACTIONS AND YOUR
LIABILITY 
20.1   How to dispute a transaction 
(a)   You can lodge a dispute about a transaction, for
example, because you didn’t authorise it or you didn’t
receive the goods or services, or you think there has
been an error by a merchant or another party. For
details about how to dispute a transaction (including
applicable time limits and the information you will
need to provide) you can call us.
(b)   To the extent permitted by law, we are not
responsible for incorrect amounts debited or credited
to your Credit Card Account where we have relied on
information from other parties involved (for example
Visa, or the person accepting your card), except to the
extent this arises from ANZ’s fraud, wilful misconduct
or negligence.
(c)   However, depending on the circumstances you may
have rights under the scheme rules or under the
ePayments Code. 
20.2   Disputing unauthorised Transactions 
(a)   If you didn’t authorise a Transaction (for example
because your card was lost or stolen) then you may
be entitled to a reversal under the ePayments Code,
or under the applicable scheme rules even if the
merchant or other party doesn’t accept responsibility,
or we may otherwise agree to reverse the amount.
(b)   See the Electronic Banking Conditions of Use for
more information about liability for unauthorised
transactions. 
20.3   Resolving your dispute under the scheme rules 
(a)   If you have a dispute with the merchant or other
person who accepted your Credit Card, then in some
cases we may be able to help by referring the dispute
under the applicable scheme rules. This depends
on the type of dispute and the circumstances. If
it is successful the transaction may be reversed
(sometimes called a chargeback), and we will credit
any refund to your   account.
(b)   It is important to lodge a dispute as soon as possible,
as there are time limits which may apply under the

43 
scheme rules. ANZ does not control the time limits
imposed under scheme rules. We are not responsible
if you don’t meet the deadlines or provide sufficient
information, including any extra information we
reasonably ask for. If you unreasonably delay in
providing the required information we request,
we   can treat the dispute as withdrawn.
(c)   In some cases the merchant or other party may
not be obliged to reverse the Transaction under
the applicable scheme rules, for example if it was
authenticated using Visa Secure (formerly known as
Verified by Visa). 
20.4   Other important information about disputes 
(a)   We do not accept any liability for goods or services
purchased with a Credit Card, and any complaints
about them must be resolved directly with the
merchant concerned.
(b)   If you raise a dispute under this clause, we may make
adjustments (for example when we calculate interest). 
21.   CANCELLATION AND TERMINATION 
21.1   Your rights to close your Credit Card Account 
(a)   You can ask us to close your Credit Card Account
at any time by visiting anz.com, calling us, or in
any other way we allow. See anz.com for more
information.
(b)   When we process your request to close your Credit
Card Account we will cancel all Credit Cards linked
to the Credit Card Account. Once we have done that,
the cards can’t be reinstated, and you will have to
reapply.
(c)   Before we close your Credit Card Account, you will
need to pay your outstanding Credit Card Account
Balance.
(d)   We will only complete the closure of your Credit Card
Account and terminate your Credit Card Contract
when we are satisfied, acting reasonably, that all
outstanding amounts have been paid in full and
no further transactions (including, for example, any
recurring transactions or other regular payment
arrangements) can be debited to the account. Until

44 
then, you will still have to pay any amounts required
under the Credit Card Contract. See Clause 21.4. 
21.2   Our rights to cancel or suspend your cards, close your
account and terminate your contract 
(a)   In addition to any rights we have under clause 10.3,
we may cancel or suspend any Credit Card on your
Credit Card Account or block or close your Credit
Card Account, if:
(i)   an Event of Default occurs and we are entitled
to take further action under clause 23(c);
(ii)   we suspect on reasonable grounds that
there has been, or we reasonably believe
it is necessary to prevent, fraudulent or
unauthorised use of the Credit Card Account or
any Credit Card;
(iii)   we reasonably believe that use of the Credit
Card Account or any Credit Card may cause
us loss, or that the cancellation, suspension,
closure or block is necessary to protect our
legitimate interests;
(iv)   we reasonably believe that the use of the
Credit Card Account or any Credit Card may
cause you hardship or loss;
(v)   we become aware that you do not meet, or
cease to meet, our eligibility requirements for
any Credit Card or the Credit Card Account;
(vi)   a Credit Card or your Credit Card Account
has not been used for any Transactions for 12
months or more;
(vii)   a Credit Card is not activated within 6 months
of it being issued; or
(viii)   we decide not to reissue a Credit Card under
Clause 22
(b)   Unless required by law, we may not give you notice
prior to cancelling or suspending your Credit Card or
Credit Card Accounts under paragraph (a). If we don’t
give you notice before we cancel a Credit Card under
paragraph (a), then we will take reasonable steps to
tell you as soon as practicable afterwards.

45 
(c)   We can also cancel or suspend any Credit Card on
your Credit Card Account, or block or close your
Credit Card Account, without giving a reason, by
giving you at least three months’ notice.
(d)   If we cancel a Credit Card, then we may close your
Credit Card Account and terminate your Credit Card
Contract. However, we may not do these things
immediately, and you will still have to pay any
amounts required under the Credit Card Contract.
See Clause 21.4. 
21.3   What happens after closure or cancellation 
If your Credit Card is cancelled or your Credit Card
Account is closed under Clause 21.1 or Clause 21.2 then:
•   your Credit Card Account and the Credit Cards on
your Credit Card Account must not be used (other
than to pay amounts under Clause 21.4);
•   all Credit Cards must be securely destroyed (including
any chip); and
•   if you have a positive Credit Card Account Balance
when we cancel your Credit Cards then we will pay
you the Credit Card Account Balance (unless those
funds have been remitted as unclaimed money in
accordance with the law). In order to pay the balance
to you, we may need you to provide us with payment
details. 
21.4   Amounts that can still be payable after closure or
cancellation 
(a)   Even if you have asked us to close your Credit Card
Account, or Credit Cards on your account have been
cancelled, debits may still be processed to your Credit
Card Account. This can happen, for example, if a
transaction had occurred but not been processed,
or if there is a Transaction where authorisation is
not needed, such as a recurring transaction or a
Transaction where systems are offline. This will apply
even if you paid your Credit Card Account Balance
to zero. If this happens, you will have to repay those
amounts, together with any related interest and fees.
(b)   Standing authorities and other regular payment
arrangements may not automatically be cancelled
and you should cancel them directly with the
merchant or other party (see Clause 9.4).

46 
(c)   You must also continue to pay all other amounts
required under the Credit Card Contract including
fees and interest. This can include annual or other
periodic fees, which may continue to apply in
accordance with your Credit Card Contract if you
have an outstanding Credit Card Account Balance at
a relevant time. 
21.5   Suspension of Credit Cards 
(a)   This clause applies if we have suspended a Credit
Card under Clause 21.2.
(b)   If we have suspended a Credit Card because you
haven’t paid an amount due then you will generally
be able to start using it again once you have made
those payments (unless we have cancelled the Credit
Card). In other circumstances, if appropriate, we will
tell you what you need to do for the Credit Card to
be   reinstated.
(c)   Even if a Credit Card has been suspended, debits may
still be processed to your Credit Card Account. This
can include transactions under a standing authority
(though some transactions under a standing authority
may not be processed after suspension, for example
if they require authorisation which we decline). If
debits are processed to your Credit Card Account, you
will have to repay those amounts, together with any
interest, fees and charges relating to them.
(d)   You must also continue to pay all other amounts
required under the Credit Card Contract.
(e)   If we suspend a Credit Card, then in our discretion
we can decide to reinstate it, or we may cancel it in
accordance with our rights under Clause 21.2. 
22.   CREDIT CARD REISSUE AND
REPLACEMENT 
We may issue a new Credit Card to you or an Additional
Cardholder in certain circumstances (for example, if the
Credit Card is faulty, damaged, lost stolen or has expired).
We reserve the right, acting reasonably, not to reissue a
Credit Card. That might happen where for example we
need to complete or update our customer identification
process, we don’t have a valid Australian address for you,
or one of the circumstances in Clause 21.2(a) applies.

47 
23.   WHAT HAPPENS IF YOU ARE IN DEFAULT 
(a)   It is an Event of Default if any of the following occurs:
•   you do not pay an amount due under the Credit
Card Contract when it is due;
•   you do not, or an Additional Cardholder does
not, comply with any other obligation under the
Credit Card Contract or we believe on reasonable
grounds that you obtained the Credit Card
Contract by fraudulent misrepresentation, and
we reasonably consider it is likely to materially
increase our credit risk, or give rise to a material
legal, reputational or security risk in connection
with the Credit Card Contract; or
•   we believe on reasonable grounds that you or an
Additional Cardholder has engaged in an unlawful
purpose using funds supplied to you under the
Credit Card Contract.
(b)   Before we take any enforcement action, we will send
you a notice giving you an opportunity to remedy
the default within a specified time (at least 30 days, or
any shorter timeframe permitted by law) unless the
law says we don’t have to.
(c)   If:
•   you don’t remedy the default or the default can’t
be remedied in the time specified; or
•   we don’t have to give you notice under applicable
law,
then we may do any of the following:
•   reduce or cancel your credit limit;
•   require you to repay any or all of your Credit Card
Account Balance;
•   cancel or suspend any Credit Cards on your
account, or block your Credit Card Account, under
Clause 21.2 (in which case Clauses 21.3, 21.4 and
21.5 will apply);
•   in the case of you not paying an amount when
due, report your default to any credit reporting
bodies;

48 
•   charge you any enforcement expenses we
reasonably incur as a result of the default;
•   assign the debts due to us by you to a debt
collection agency; and
•   commence legal proceedings against you in
respect of the default. 
Unless required by law, we may not seek your consent
prior to doing any of these things. Where required by
law, we will tell you if we do any of these things.
(d)   If we charge you enforcement expenses under
paragraph (c) then:
(i)   we can debit those amounts to your Credit Card
Account, in which case they will form part of the
Purchases balance and we can charge interest on
them under Clause 15; and
(ii)   they may be described on your statement other
than as enforcement expenses (for example, as a
‘recovery fee’), and we may include them in the
‘payable immediately’ amount shown on your
statement. 
24.   CHANGES TO THE CREDIT CARD
CONTRACT 
24.1   We can make changes to the Credit Card Contract
without your agreement 
We can make changes to your Credit Card Contract
without your agreement.
The changes we can make are set out below. If we make
such a change, we will give you notice as set out below.
If we make a change that you are not happy with, then
you can close your account and terminate the Credit Card
Contract under Clause 21.1.

49 
24.2   Changes to interest, payments, fees and charges 
Type of change   When we will give
you notice
How we will
give you
notice 
1. A change to
an interest rate
or rates.
Not later than the
day the change
takes effect.
However, if the
change to the
rate is determined
by referring to a
reference rate, we
may not give you
notice if the change
to the reference rate
is notified by public
notice* by us or
another party not
later than the date
the change takes
effect.
By public
notice *  and
also giving you
written notice
before or
when we give
you your next
statement after
the change
or by written
notice.
2. A change
in how we
calculate or
charge interest
(including to
any interest free
period) unless
it reduces your
obligations.
Not later than 20
days before the
change takes effect,
if the change is
reasonable for us to
manage a material
and immediate risk.
Otherwise not later
than 30 days before
the change takes
effect.
Written notice.

50
Type of change   When we will give
you notice
How we will
give you
notice 
3. Any change
in the amount,
frequency, time
for payment or
way we calculate
instalments
or minimum
repayments
(unless it reduces
your obligations,
or extends
the time for
payment).
Not later than 30
days before the
change takes effect.
Written notice.
4. A change in
the amount of
any fee or charge
(including any
new fee or
charge), or a
change in the
frequency or
time for payment
of any fee or
charge (unless
it reduces your
obligations, or
extends the time
for payment).
Not later than 20
days before the
change takes effect,
if the change is
reasonable for us to
manage a material
and immediate
risk, or if it relates
to a change to or
introduction of a
government charge
that you pay directly
or indirectly in
connection with
the Credit Card
Contract.
Otherwise not later
than 30 days before
the change takes
effect.
By public
notice *  and
also giving you
written notice
before or
when we give
you your next
statement after
the increase
or by written
notice.

51
Type of change   When we will give
you notice
How we will
give you
notice 
5. Any change
referred to in
2, 3 or 4 which
reduces your
obligations, or
extends the time
for payment.
Before or when we
give you your next
statement after the
change takes effect.
Written notice.
*   A public notice is a notice published in a national newspaper, or any
other public notice as long as the requirements of any applicable law
or Code are met. 
24.3   Other changes we can make without your agreement 
We can also make the following changes to your Credit
Card Contract without your agreement:
(a)   Changes to ensure our products work with, or the
terms of your Credit Card Contract are consistent
with, our business, communication, technological or
operational systems or processes;
(b)   Changes to comply with, or to reduce the risk of non-
compliance with, any law or any change in law, or any
decision, recommendation, regulatory guidance or
standard of any court, tribunal, ombudsman service,
regulator, or any other similar body;
(c)   Changes that, in our reasonable opinion, are required
or appropriate to protect us or any person from the
risk of fraudulent or illegal activity;
(d)   Changes that enhance the security of our products or
services;
(e)   Changes that are administrative;
(f )   Changes to simplify the terms of your Credit Card
Contract;
(g)   Changes to correct a mistake, inconsistency or
omission;
(h)   Changes to reflect changes or improvements to the
features of the product or how it works;

52 
(i)   Changes to, or as part of a process to, discontinue
or replace a product or migrate a product to a new
system, and for this purpose we may change your
product to a different product with similar features to
the discontinued or replaced product, or change your
existing product;
(j)   Changes that are beneficial to you;
(k)   Changes that reflect current industry or market
practice or conditions or that we reasonably consider
are appropriate in light of changes to community
standards or expectations in respect of bank or
environmental, social and governance practices;
(l)   Changes that in our reasonable opinion are
reasonably required to prudently manage a material
credit, operational or compliance risk; and
(m)   Any other changes that are reasonably necessary to
protect our legitimate business interests.
If we make any of these changes, we will give you
written notice:
-   not later than 20 days before the change takes
effect, if the change is reasonable for us to manage
a material and immediate risk, or if it relates to a
change to or introduction of a government charge
that you pay directly or indirectly in connection
with the Credit Card Contract;
-   otherwise, not later than 30 days before the
change takes effect. 
24.4   Reducing limits 
(a)   We can reduce your credit limit or any cash advance
limit that applies to your Credit Card or Credit Card
Account without notice if:
(i)   an Event of Default occurs, even if we haven’t
exercised our right to require you to repay your
outstanding Credit Card Account Balance; or
(ii)   we reasonably consider it necessary to reduce the
risk of loss to you or to ANZ.
(b)   Unless there is an Event of Default, we will give you
notice as soon as reasonably practicable after we
have reduced the relevant limit.

53 
25.   COMPLAINTS FEEDBACK AND ERRORS 
We value your feedback and acknowledge we can
sometimes make mistakes or get things wrong. If
you think we have made an error, please let us know
immediately. To make a complaint, provide feedback or
let us know about a possible error. You can talk to staff at
your local ANZ Branch or Business Centre or call us. We
will do our best to help resolve any issue you may have.
If you are not satisfied with our response, or do not want
to talk to the customer service team, you can contact our
Complaint Resolution Centre. Our specialists will work
with you to resolve your complaint quickly and amicably.
If you are not satisfied with our response you can lodge
a complaint with the Australian Financial Complaints
Authority (AFCA). AFCA offers free, fair, independent and
accessible financial services dispute resolution.
You can find contact details at the front of this booklet.
Time limits may apply to complaints to AFCA. Please
act promptly and consult the AFCA website to find out
if or when the time limit relevant to your circumstance
expires.
The Electronic Banking Conditions of Use contain further
information on what to do in circumstances when
you believe that there has been an error involving an
electronic access process, including your card and PIN. 
26.   PRIVACY AND CONFIDENTIALITY 
26.1   Privacy and confidentiality 
ANZ will collect and use information about you during
the course of your relationship with ANZ. We explain
below when and how ANZ may collect, use and disclose
this information.
It is important that the information ANZ holds about you
is up to date. You must let ANZ know when information
you have provided ANZ has changed.
In this Clause 26, ‘you’ includes an Additional Cardholder. 
26.2   Collection, use and disclosure of information 
ANZ may use and disclose the information we collect
about you for the following purposes:

54 
•   to assist in providing information about a product or
service;
•   to consider your request for a product or service;
•   to enable ANZ to provide a product or service;
•   to tell you about other products or services that may
be of interest to you;
•   to assist in arrangements with other organisations
(such as loyalty partners) in relation to the promotion
or provision of a product or service;
•   to manage accounts and perform other
administrative and operational tasks (including risk
management, systems development and testing,
credit scoring, staff training, collecting debts and
market or customer satisfaction research);
•   to consider any concerns or complaints you raise
against ANZ and/or to manage any legal action
involving ANZ;
•   to identify, prevent or investigate any fraud, unlawful
activity or misconduct (or suspected fraud, unlawful
activity or misconduct);
•   to identify you or establish your tax status under any
Australian or foreign legislation, regulation or treaty or
pursuant to an agreement with any tax authority; and
•   as required by relevant laws, regulations, codes of
practice and external payment systems. 
26.3   Absence of relevant information may lead to loss of
service 
If you do not provide some or all of the information
requested, ANZ may be unable to provide you with a
product or service. 
26.4   Information required by law etc. 
ANZ may be required by relevant laws to collect certain
information from you. Details of laws that require us
to collect information about individuals (personal
information) and why these laws require us to collect
personal information are contained in ANZ’s Privacy
Policy and at anz.com/privacy.

55 
26.5   Providing your information to others 
ANZ may provide your information to:
•   any related entity of ANZ which may use the
information to: carry out ANZ’s functions and
activities; promote its own products and services;
assess your application for one of its products or
services; manage your product or service; perform
administrative and operational tasks (including debt
recovery); or comply with regulatory requirements
and prudential standards;
•   an organisation that is in an arrangement with ANZ to
jointly offer products and/or has an alliance with ANZ
to share information for marketing purposes (and
any of its outsourced service providers or agents), to
enable them or ANZ to: provide you with products or
services; and/or promote a product or service;
•   any agent, contractor or service provider ANZ
engages to carry out or assist its functions and
activities (for example, mailing houses or debt
collection agencies);
•   an organisation that assists ANZ to identify, prevent
or investigate fraud, unlawful activity or misconduct;
•   regulatory bodies, government agencies, law
enforcement bodies and courts;
•   other parties ANZ is authorised or required by law or
court/tribunal order to disclose information to;
•   participants in the payments system (including
payment organisations and merchants) and other
financial institutions (such as banks);
•   other credit providers;
•   mortgage insurers and any reinsurer of any such
mortgage insurer;
•   your guarantors (and intending guarantors) and any
person who has provided security for your loan;
•   any person who introduces you to ANZ;
•   your referee(s);
•   your employer;
•   your joint borrower(s) or account holder(s); and

56 
•   your adviser; your authorised agents; your executor,
administrator or trustee in bankruptcy; your legal
representative; your attorney; or anyone acting for
you in connection with your account.
If you do not want us to tell you about products or
services, call us to withdraw your consent.
ANZ may disclose information to recipients (including
service providers and ANZ’s related entities) which are (1)
located outside Australia and/or (2) not established in or
do not carry on business in Australia. You can find details
about the location of these recipients in ANZ’s Privacy
Policy and at anz.com/privacy. 
26.6   Credit reporting 
ANZ may also disclose personal information, including
information about your other credit liabilities, repayments
and defaults, to credit reporting bodies. We may also
collect this information from credit reporting bodies.
Information about credit reporting, including the name
and contact details of these credit reporting bodies,
when ANZ may disclose your personal information to
them to include in a report about your credit worthiness,
and how you can request credit reporting bodies not use
your information in certain circumstances, is available at
anz.com/privacy.
If you would like a hard copy of this information, please
call us or visit any ANZ branch for a copy of ANZ’s Privacy
Policy. 
26.7   ANZ Privacy Policy 
ANZ’s Privacy Policy (anz.com/privacy) contains
information about:
•   the circumstances in which ANZ may collect personal
information from other sources (including from a
third party);
•   how to access personal information and seek
correction of personal information; and
•   how you can raise concerns that ANZ has breached
the Privacy Act or an applicable code and how ANZ
will deal with those matters.

57 
26.8   Collecting sensitive information 
ANZ will not collect sensitive information about you, such
as information about your health, without your consent. 
26.9   Personal information you provide about someone
else 
If you give ANZ personal information about someone
else, please show them a copy of this clause so that they
may understand the manner in which their personal
information may be used or disclosed by ANZ in
connection with your dealings with ANZ. 
27.   COMMISSIONS AND RELATED PAYMENTS 
Various amounts of commissions, fees and charges may
be paid to or by ANZ when you use your Credit Card or
accept any Promotional Plans. These include any amount
which may be received by ANZ from a merchant or a
merchant’s bank for ANZ paying debts incurred by you. 
28.   HOW WE WILL CONTACT YOU OR SEND
YOU THINGS 
(a)   We may send you notices, documents and
information by mail, by personal delivery, (where
permitted by law) by electronic methods or
any other method permitted by law. Electronic
methods include email, fax, SMS, or other electronic
messaging, such as through internet banking or
mobile banking. It also includes publishing the
relevant notice, document or information on our
website or in internet banking or mobile banking and
giving you notice using any method permitted in this
paragraph that it is available. Messages may include
personal information.
(b)   We may send notices, documents and information to
any person you have nominated to receive them.
(c)   You will be taken to have received anything sent:
•   by mail, on the day it would have been delivered
in the ordinary course of post;
•   by personal delivery, on the day we deliver it to
you; or

58 
•   using any electronic method, on the day we send
it (or we send the notice telling you it is available,
where applicable).
(d)   We are not liable for any loss or damage you suffer
as a result of any person other than you accessing
messages we send, except where it results from our
fraud, wilful misconduct or negligence. 
29.   UPDATING YOUR PERSONAL DETAILS 
(a)   It is important that you and any Additional
Cardholders keep your contact details and other
personal details up to date (for example, address,
telephone number or email address), and you or any
Additional Cardholder must tell us about any changes
as soon as possible. Sometimes it will be necessary
to provide information in writing or by visiting an
ANZ branch. A PO Box cannot be used as a residential
address.
(b)   If you don’t keep your contact details up to date,
we are not responsible if we are unable to issue
statements or cards or information to you. 
30.   GENERAL MATTERS 
30.1   ANZ Business Days 
If the Credit Card Contract requires or allows us to do
something or provides that any of our processes occur
on a day that is not an ANZ Business Day, we may do it
or the process may occur on either the preceding or the
following ANZ Business Day. 
30.2   Certificate of outstanding amount 
(a)   If we give you a written notice of how much you owe
us that notice can be used as evidence of the amount
owing, unless you dispute the correctness of the
notice including in any court or tribunal proceeding.
(b)   The notice may not include Transactions, interest, fees
or charges, refunds or payments that have not been
processed by us at the time the notice is prepared.
(c)   You must check the details in any written notice
provided under this section and, if you believe there
are any errors or you have any other concerns, you
must contact ANZ as soon as possible.

59 
30.3   ANZ’s rights to set off and combine accounts 
Subject to the Banking Code of Practice, where we
reasonably consider that it is in our legitimate interests
to do so, we can combine the total balance in two or
more of your accounts held with us, or set off an amount
in one account against an amount in another, even if
the accounts are not both credit card accounts or if they
are held at different branches. This means, for example,
that the credit in one account can be used to repay all or
part of the outstanding balance in another account. We
do not need to give notice to you before we do this, but
will promptly tell you once it has been completed. You
should not treat your accounts as combined unless we
have agreed to do so. 
30.4   Things outside ANZ’s control 
To the extent permitted by law, we will not be liable
to you for any loss or damage (whether direct or
consequential), nor be in default under the Credit Card
Contract, if we fail to observe or perform any of our
obligations under the Credit Card Contract because of
anything which we could not, with reasonable diligence,
control or prevent.
This includes acts of God, acts of nature, acts of
government or their agencies, strikes or other industrial
action, fire, flood, storm, riots, power shortages or failures,
unexpected system failure, epidemics or pandemics, or
disruption by war or sabotage. 
30.5   Waiver 
If we delay or do not use or rely on a right or power
we have under the Credit Card Contract, this does not
prevent us using or relying on it later. 
30.6   Transfer of ANZ’s rights 
Subject to applicable law and the Banking Code of
Practice, we may, without telling you or obtaining your
consent:
(a)   assign or transfer any of our rights under the Credit
Card Contract to give effect to:
(i)   a sale of debt (eg to third party purchaser or debt
collectors);
(ii)   a sale of business, assets or portfolios;

60 
(iii)   business restructuring; or
(iv)   securitisation or other finance structure; and
(b)   give information about this contract and your
obligations under it to any assignee or transferee
of our rights under this contract, or anyone who is
considering becoming an assignee or transferee. 
30.7   The law that governs our contract 
The law of Victoria, Australia governs these Conditions of
Use and your Credit Card Contract with us.
You agree that any court with official power to make
legal decisions and judgements in Victoria can hear
proceedings in relation to our contract.

61 
PART B
ELECTRONIC BANKING
CONDITIONS OF USE 
ANZ will comply with the requirements of the ePayments Code.
These Electronic Banking Conditions of Use apply to payment,
funds transfer and cash withdrawal transactions that are:
(a)   initiated using electronic equipment; and
(b)   not intended to be authenticated by comparing a
manual signature with a specimen signature.
Unless the account services are provided or referred to you by
ANZ, ANZ does not authorise, promote or endorse the use of
account services offered by third parties to access your ANZ
accounts (including account aggregation services, such as may
be provided by other financial institutions). 
DEFINITIONS 
‘ Activation Code ’ means the 4- to 7-digit temporary activation
number issued to activate the Mobile Banking service.
‘ ANZ Business Day ’ means any day from Monday to Friday on
which ANZ is open for business in at least one of its branch
locations in Australia.
‘ AFT ’ means an Account Funding Transaction initiated by a
Visa Direct enabled merchant or other person to debit an ANZ
Credit Card to transfer funds to a further nominated account or
digital wallet.
‘ Authorised Deposit-taking Institution ’ has the meaning given
to that term in the Banking Act 1959 (Cth).
‘ Banking Business Day ’ refers to any day on which banks in
Melbourne or Sydney are able to effect settlement through the
Reserve Bank of Australia.
‘ BPAY® Payment ’ means a payment made via the BPAY®
Payments service provided by BPAY Pty Ltd.
‘ CRN ’ means the Customer Registration Number issued by
ANZ   to you.
‘ Extreme Carelessness ’ means a degree of carelessness that
greatly exceeds what would normally be considered careless
behaviour.

62 
‘ mistaken internet payment ’ means a payment made by a user
through Pay Anyone where funds are paid into the account of
an unintended recipient because the user enters or selects a
BSB number and/or account number or PayID that does not
belong to the named and/or intended recipient as a result of:
•   the user’s error; or
•   the user being advised of the wrong BSB number and/or
account number or PayID.
This does not include payments made using BPAY®, PayTo or
situations where the user transfer fund to the recipient as a
result of a scam.
‘ Mobile Banking ’ means any banking solution for your mobile
device offered by ANZ that operates in a manner governed by
this section.
‘ OCT ’ means an Original Credit Transaction initiated by a Visa
Direct enabled merchant or other person which credits funds
to an ANZ Credit Card.
‘ PIN ’ means Personal Identification Number.
‘ Pay Anyone Processing Day ’   means any day from Monday to
Friday that is not a public holiday in both Melbourne and Sydney.
‘ Receiving Bank ’ means an Authorised Deposit taking
Institution which has subscribed to the ePayments Code and
whose customer has received an internet payment.
‘ SecureMail ’ means the electronic messaging system which
enables communications to be sent to or from ANZ as part of
ANZ Internet Banking.
‘ Security Requirement ’ has the meaning given to that term in
Clause 15(b).
‘ Telecode ’ means the four to seven digit number issued to
access ANZ Phone Banking.
‘ Transaction ’ means a transaction to which the ePayments
Code applies.
‘ Unintended recipient ’ means the recipient of funds as a result
of a mistaken internet payment.
‘ User ’ means you or an individual who is authorised to use an
account.

63 
1.   TRANSACTION LIMITS 
(a)   ANZ or another party such as a merchant may limit
the amount of any electronic transaction you can
make over certain periods (e.g. during any day or in a
single transaction).
(b)   Transaction limits apply to AFT and OCT transactions.
You can view these limits on anz.com
(c)   ANZ may change any transaction limit or impose
new transaction limits by giving you notice in
accordance with the requirements under ‘Changes
to the Electronic Banking Conditions of Use’. You can
contact ANZ to find out the current transaction limits
for your account. 
2.   HOW YOU CAN USE ANZ INTERNET
BANKING 
You can use ANZ Internet Banking to make transactions
on your linked accounts, as set out in your account terms
and conditions.
You can also use ANZ Internet Banking to purchase and
order a range of financial services and products. You can
get more details by visiting the website at anz.com 
3.   FEES AND CHARGES FOR MOBILE
BANKING 
ANZ reserves the right to charge an account nominated
by you with fees and charges for the provision of Mobile
Banking. The fees and charges applicable to Mobile
Banking are those shown on anz.com and may vary from
time to time in accordance with the requirements under
‘Changes to the Electronic Banking Conditions of Use’.
You may also incur charges from your mobile operator
as a result of using Mobile Banking. Any such charges are
solely your responsibility. 
4.   ACCESS TO AND USE OF PAY ANYONE
AND INTERNATIONAL SERVICES 
4.1   Obtaining Pay Anyone 
(a)   When applying for Pay Anyone for ANZ Internet
Banking, you must request a Pay Anyone daily limit

64 
which is subject to approval by ANZ. The options
for the daily limits are set out at anz.com when you
apply. Restrictions apply depending on whether
you are using Pay Anyone for personal or business
purposes. When applying for Pay Anyone for Mobile
Banking your daily limit will be as advised to you by
ANZ and may not be changed by you.
(b)   If you require your password for Pay Anyone for ANZ
Internet Banking to be reset or reissued ANZ may
reduce your current daily Pay Anyone limit for ANZ
Internet Banking. You will need to re-apply if you wish
to reinstate that limit. Please allow sufficient time
for the change to be made before you attempt to
use the higher daily transfer limit. You can apply to
increase or decrease your daily transfer limit for ANZ
Internet Banking through ANZ Internet Banking. 
4.2   Obtaining International Services 
You can apply for International Services after you have
been granted Pay Anyone access. International Services
are not available through Mobile Banking.
The total of all Pay Anyone and International Services
transfers (converted into Australian Dollars) on any day
cannot exceed your Pay Anyone daily transaction limit. 
5.   ACCESS LEVELS FOR ANZ PHONE
BANKING, ANZ INTERNET BANKING AND
MOBILE BANKING 
(a)   Access levels (other than for credit card and Visa
PAYCARD accounts):
•   ‘ All transactions ’ – access every function within
ANZ Phone Banking and ANZ Internet Banking for
the account;
•   ‘ Transaction History Details only and BPAY® ’ –
includes BPAY®, account balance information,
transaction history details, ordering a cheque/
deposit book but excludes transfers between
accounts, redrawing on a home loan, direct loan
payments, BPAY View™, ANZ Online Investing and
ANZ Online Reporting;
•   ‘ Deposit and Transaction History Details only ’ –
includes transfers between accounts, transaction

65 
history details, account balance information and
ordering a cheque/deposit book but excludes
withdrawals from accounts, redrawing on a home
loan, direct loan payments, BPAY View™, ANZ
Online Reporting, ANZ Online Investing and BPAY®;
•   Deposit only   – includes transfers between
accounts but excludes withdrawals from
accounts, BPAY®, redrawing on a home loan,
direct loan payments, BPAY View™, ANZ Online
Reporting, ANZ Online Investing, account balance
information, transaction history details and
ordering a cheque/deposit book;
•   Transaction History Details only   – includes
enquiries on past transactions about the account
but excludes all transactions on the account,
transfers between accounts, redrawing on a home
loan, direct loan payments, BPAY View™, ANZ
Online Reporting, ANZ Online Investing and BPAY®. 
For access arrangements for credit card and Visa
PAYCARDS accounts, see the applicable Conditions of
Use. 
Account holders aged 12 to 15 years, adults who
have a joint account with account holders aged 12 to
15 years, and account signatories (no agents can be
appointed) to accounts held by customers aged 12
to 15 years may only have restricted access levels for
ANZ Phone Banking and ANZ Internet Banking.
(b)   Only the account holder or account signatories
can select an access level. The account holder or
account signatories may authorise another person
(an ‘authorised user’) to operate the account and
that person may have a different access level to the
account holder. 
The account holder is responsible for the operation of
the account by the authorised user within that user’s
level of access.
(c)   The account holder or account signatories may
cancel or change any access level by sending a
written request or SecureMail to ANZ, or calling ANZ.
ANZ may require written confirmation. ANZ may take
several days to process this change.

66 
(d)   Authorised users, regardless of their level of access,
cannot access ANZ Pay Anyone, ANZ Online
Investing, International Services, redraw on a home
loan, or use SecureMail to change any of the account
holder’s account or other personal details. However,
all authorised users can use ANZ Internet Banking to
change their own profile, access their own SecureMail
and select and change their own password and
Mobile Banking to change their own password. 
6.   PROCESSING INSTRUCTIONS - GENERAL 
(a)   The account holder authorises ANZ to act on the
instructions you enter into electronic equipment.
Any electronic transaction made by you cannot be
cancelled, altered or changed by you unless allowed
by the applicable terms and conditions or this section.
(b)   ANZ may delay acting on or may ask you for further
information before acting on an instruction. Where
ANZ has instructions for more than one payment
from your account(s), ANZ will determine the order of
priority in which payments are made in accordance
with the ANZ Credit Cards Conditions of Use.
(c)   If you make a cash withdrawal from an account
by making an electronic transaction and there is a
difference between the amount of cash received and
the amount shown on the receipt, you must report
this to ANZ and to the merchant (if applicable) as
soon as possible. You can make your report to ANZ by
calling ANZ.
(d)   If you make a deposit of funds to an account by
making an electronic transaction and there is a
difference between the amount recorded as having
been deposited and the amount ANZ receives, the
account holder will be notified of the difference as
soon as possible and will be advised of the actual
amount which has been credited to the account.
(e)   ANZ is not liable for the refusal of any merchant to
accept an electronic transaction and, to the extent
permitted by law, is not responsible for the goods
and services supplied by a merchant.

67 
ANZ may notify you of any electronic transactions
(instructions for which are received through Mobile
Banking) it is unable to process.
(f )   You accept that:
•   not all electronic equipment from which cash can
be withdrawn will always contain cash;
•   any cash dispensed at electronic equipment is at
your risk once it becomes visible or available for
you to collect;
•   not all electronic equipment will allow you to
make deposits.
(g)   An immediate transfer, Pay Anyone or BPAY® payment
cannot be revoked or stopped once ANZ receives
your instruction. Future dated transfer, Pay Anyone or
BPAY® instructions can only be revoked or changed
if instructions to delete the transaction are given to
ANZ through ANZ Internet Banking (or any other
channel we allow) before midnight Sydney time on
the ANZ Business Day (or, for Pay Anyone, the Pay
Anyone Processing Day) before the transaction is
scheduled to occur. After this time, the instruction
cannot be revoked.
(h)   If you use a credit card or credit card account to
transfer money or pay a bill through electronic
equipment it may be treated as a cash advance, and
cash advance fees and interest may apply (unless it is
through BPAY® and the biller accepts a credit card for
the payment). 
7.   PROCESSING INSTRUCTIONS - ANZ
PHONE BANKING, ANZ INTERNET
BANKING AND MOBILE BANKING 
(a)   Any ANZ Phone Banking, ANZ Internet Banking and
Mobile Banking transactions (other than a BPAY®
payment) will generally be processed to your account
on the same day ANZ receives your instructions,
if given before 10.00pm Melbourne time Monday
to Friday (except national public holidays). Any
transaction made after this time may be processed
on the following ANZ Business Day.

68 
(b)   Account information accessed using ANZ Phone
Banking, ANZ Internet Banking and Mobile Banking
are indicative of the position of the account at that
time. But, for example, account balances generally
won’t reflect transactions not yet processed by ANZ
(including uncleared cheques and unprocessed
credit card transactions) or cleared cheques and
direct debits processed by ANZ that day. 
8.   PROCESSING INSTRUCTIONS - PAY
ANYONE AND INTERNATIONAL
SERVICES 
(a)   ANZ will generally process Pay Anyone instructions:
•   for immediate Pay Anyone transfers, on the
day the instruction is given, if ANZ receives the
instruction before 6pm Melbourne time on a Pay
Anyone Processing Day;
•   for immediate international transfers, on the
day the instruction is given, if ANZ receives the
instruction before 6pm Melbourne time on a Pay
Anyone Processing Day;
•   future dated transfers, on the relevant future day
you select if it is a Pay Anyone Processing Day (or
if it is not, on the Pay Anyone Processing Day after
that day).
(b)   Instructions you give will be delivered to the payee’s
financial institution on the day that ANZ processes
them except where:
•   ANZ is not obliged to process your instructions;
•   there is a technical failure; or
•   there is a delay or error in accepting the
instructions caused by the financial institution to
which the transfer is to be made; or
•   the instructions are for a transfer by way of an
international draft or telegraphic draft.
(c)   Where your instruction is for a transfer by way of ANZ
issuing an international draft:
•   ANZ will send the draft by post to the delivery
address notified by you;

69 
•   You acknowledge that it is your responsibility to
forward the draft to the intended recipient.
(d)   ANZ cannot control (and is not responsible for) when,
or if, the payee’s financial institution processes your
instructions or the fees that financial institutions may
charge to process your instructions.
(e)   Once ANZ processes your transfer instruction, ANZ
is reliant on the payee’s financial institution to advise
whether your instructions have been successfully
processed. If the payee’s financial institution advises
that your transfer instruction has not been successful,
it may take a number of weeks, depending on
the financial institution, to reverse the relevant
withdrawal from your linked account. 
9.   PROCESSING INSTRUCTIONS - BPAY ® 
(a)   ANZ is a member of the BPAY® Scheme. This is an
electronic payments scheme through which ANZ
can be asked to make payments on your behalf to
billers. ANZ will tell you if it ceases to be a member
of the BPAY® Scheme. For the purposes of the BPAY®
Scheme, ANZ may also be a biller.
(b)   You must comply with the terms and conditions
for the account which you ask ANZ to debit a BPAY®
payment (to the extent that those terms are not
inconsistent with or expressly overridden by these
Conditions of Use).
(c)   To make a BPAY® payment the following information
must be given to ANZ:
•   your CRN and password or Telecode;
•   the biller code from the bill;
•   your customer reference number (e.g. your
account number) with that biller;
•   the amount you want to pay;
•   the account from which you want the payment to
be made; and
•   for future dated payments, the date on which you
want the payment to be made.

70 
(d)   Once this information is provided, ANZ will treat
your instructions as valid and will debit the relevant
account. ANZ will not be obliged to effect a BPAY®
instruction if it is not made in accordance with these
Conditions of Use or if the information given is
incomplete and/or inaccurate. 
ANZ may reject a payment direction if the relevant
biller no longer offers BPAY® payment facilities.
(e)   Limits apply to your use of BPAY® on both a
per transaction and daily limit (per CRN) basis.
Separate daily limits apply for BPAY® Tax Payments,
independent of the general BPAY® limits. For more
information on available limits see anz.com
(f )   Subject to the ‘Processing Instructions’ conditions set
out above:
•   any BPAY® payment made by you will be
processed on the day you tell ANZ to make that
BPAY® payment if ANZ receives your instructions
before 6pm Sydney time on a Banking Business
Day (ANZ’s cut-off time); and
•   BPAY® instructions received after 6pm Sydney time
on a Banking Business Day, or on a day that is not
a Banking Business Day, will be processed on the
next Banking Business Day.
(g)   A delay may occur in processing a BPAY® payment
where:
•   you tell ANZ to make a BPAY® payment on a day
which is not a Banking Business Day;
•   you tell ANZ to make a BPAY® payment after ANZ’s
cut-off time; or
•   another participant in the BPAY® Scheme, such as
another financial institution or a biller does not
process a payment as soon as it receives details of
the payment or does not otherwise comply with
its obligations under the BPAY® Scheme.
(h)   While it is expected that any such delay will not
continue for more than one Banking Business Day, it
may continue for a longer period.

71 
(i)   ANZ will attempt to ensure a BPAY® payment is
processed promptly by billers and other participants
in the BPAY® Scheme.
(j)   You should check your account records carefully and
tell ANZ as soon as possible if you become aware of:
•   a BPAY® payment which has been made from your
linked account which was not authorised;
•   the possibility that you have been fraudulently
induced to make a BPAY® payment; or
•   any delay or mistake in processing of your BPAY®
payment.
(k)   The longer it takes you to tell ANZ about a BPAY®
payment which was unauthorised, may have been
fraudulently induced, or any delay or mistake in
processing the BPAY® payment, the more difficult it
may be for ANZ to investigate and/or recover the
BPAY® payment. 
You must provide ANZ such assistance as may
be reasonably necessary to investigate any BPAY®
payment which was unauthorised, may have been
fraudulently induced, or any delay or mistake in
processing the BPAY® payment.
(l)   If ANZ is advised by a biller that it cannot process
your BPAY® payment ANZ will:
•   advise you of this;
•   credit your account with the amount of that BPAY®
payment; and
•   tell you how ANZ can assist you, if possible, in
making the payment as soon as possible.
(m)   You are not authorised to give a biller code to any
person in order to receive payments owing to you. 
Biller codes may only be used by authorised billers
to receive payment of bills issued by that biller. The
terms and conditions of use of BPAY® will not apply to
any use by you of biller codes in this way.

72 
10.   SHORT MESSAGE SERVICE (SMS) AND
OTHER MESSAGES 
You agree that we may send messages (including via
SMS and email) (including messages which may contain
personal information) to you, including to your mobile
phone.
ANZ is not liable for any loss or damage you suffer as
a result of any person other than you accessing those
messages, except where such loss or damage results from
our fraud, wilful misconduct or negligence. 
11.   CARD VALIDITY 
(a)   Your card remains ANZ’s property at all times.
(b)   A card must be signed immediately by the person
in whose name it has been issued and must only
be used within the ‘valid from’ and ‘until end’ dates
shown on the card. For security reasons you must, as
soon as the card expires, securely destroy it (including
any chip). 
12.   LOST OR STOLEN CARDS, PASSWORD,
PIN OR TELECODE 
(a)   You must make a report to us immediately if you
suspect that your card, or another card on your
account, has been lost or stolen, or that the card or
card details have been used by someone else without
authority. We will cancel the card when you notify us. 
You must not use the card once the report is made. If
you recover the lost or stolen card, you must securely
destroy the card (including any chip).
(b)   You must make a report to ANZ (and the relevant
third party, if a third party issued the username,
password, PIN or card to you) immediately you
become aware or suspect that your password,
username, PIN, CRN or Telecode has been stolen,
disclosed or used without your authority, or lost.
You must not then continue to use your password,
username, PIN, CRN or Telecode. ANZ will cancel
it and arrange for you to select a new username,
password, PIN or Telecode, or to be provided with a
new CRN.

73 
(c)   Information on how to report a lost or stolen card
is available on anz.com, or you can call using the
telephone numbers listed at the front of this booklet. 
13.   CANCELLATION OF CARDS OR
ELECTRONIC ACCESS 
(a)   If ANZ cancels, suspends or blocks your card or
account in accordance with the terms of your credit
contract, then ANZ may, without notice, cancel any
associated CRN or cancel or restrict electronic access.
(b)   The account holder may cancel a card at any time by
sending ANZ a written request, by calling ANZ, or in
any other way ANZ allows. ANZ may require written
confirmation. The card must be securely destroyed
(including any chip).
(c)   Without limiting any other rights of ANZ under
applicable terms and conditions, we may also at any
time suspend or terminate your ability to make BPAY®
Payments in the following circumstances:
•   We, or BPAY®, suspect on reasonable grounds that
you, or a person acting on your behalf is: 
-   being fraudulent; 
-   in breach, or will cause you to be in breach, of
these Electronic Banking Conditions of Use; 
-   using BPAY® Payments in a manner that will,
or is likely to, adversely affect the integrity,
stability or reputation of BPAY® Payments, the
BPAY® Scheme, or the quality of services offered
to you or to other customers; and/or 
-   using BPAY® Payments in connection with any
activities which are unlawful.
•   BPAY® or any regulatory authority requires or
requests us to do so.
•   Our membership to the BPAY® Scheme or our
subscription to BPAY® Payments is suspended,
ceases or is cancelled for any reason.
(d)   You can request ANZ to de-register you from ANZ
Internet Banking at any time by SecureMail or by
calling ANZ.

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14.   WITHDRAWAL OF ELECTRONIC ACCESS 
(a)   ANZ may withdraw your electronic access to
accounts (including by BPAY®) without prior notice if:
•   electronic equipment malfunctions or is otherwise
unavailable for use;
•   a merchant refuses to accept your card;
•   any one of the accounts is overdrawn (other
than by use of the Informal Overdraft facility, if
any) or will become overdrawn, or is otherwise
considered out of order by ANZ;
•   ANZ reasonably believes your access to accounts
through electronic equipment may cause loss to
the account holder or to ANZ;
•   ANZ reasonably believes that the quality or
security of your electronic access process or ANZ’s
systems may have been compromised;
•   all the accounts which you may access using
ANZ Phone Banking or ANZ Internet Banking
have been closed or are inactive or the account
you have nominated for Mobile Banking fees and
charges to be charged to is closed;
•   ANZ reasonably suspects you of being fraudulent
or engaging in inappropriate behaviour,
unless the withdrawal is prohibited by law.
(b)   ANZ may at any time change the types of accounts
that may be operated, or the types of electronic
transactions that may be made through particular
electronic equipment. 
15.   PASSWORD, PIN AND TELECODE
SECURITY 
(a)   Users must keep their passwords (including one-time
passwords), PINs and Telecodes secure. Failure to do
so may increase your liability for any loss.

75 
Warning: 
A user must not use their birth date or an
alphabetical Telecode which is a recognisable
part of their name as a password, PIN or
Telecode, or select a Telecode which has
sequential numbers, for example, ‘12345’ or
where all numbers are the same, for example,
‘11111’. If the user does, you may be liable for any
loss suffered from an unauthorised transaction.
(b)   A user must not:
•   voluntarily disclose any of their passwords, PINs or
Telecodes to anyone, including a family member
or friend;
•   write or record passwords, PINs or Telecodes on
a card, or keep a record of the passwords, PINs
or Telecodes on anything carried with the card
or liable to loss or theft at the same time as the
card, unless the user makes a reasonable attempt
to protect the security of the passwords, PINs or
Telecodes;
•   keep a written record of all passwords, PINs or
Telecodes required to perform transactions on one
or more articles liable to be lost or stolen at the
same time, without making a reasonable attempt
to protect the security of the passwords, PINs or
Telecodes;
•   select a numeric password, PIN or Telecode that
represents their birth date, or an alphabetical
password, PIN or Telecode that is a recognisable
part of their name; or
•   otherwise act with extreme carelessness in failing
to protect the security of all passwords, PINs or
Telecodes, (each a ‘ Security Requirement ’). 
For the avoidance of doubt, reference to passwords in
this clause 15(b) includes one-time passwords.

76 
Warning: 
Users should avoid accessing ANZ Phone
Banking through telephone services which
record numbers dialled – for example hotels
which do this for billing purposes. In these
situations users should obtain access to ANZ
Phone Banking through an ANZ customer
service operator. To assist you, ANZ publishes
security guidelines. A   copy of the current
guidelines is available at anz.com 
16.   UNAUTHORISED TRANSACTIONS 
The following provisions apply to unauthorised
transactions. The provisions do not apply to a transaction
performed by a user or by anyone who performs a
transaction with the knowledge and consent of a user. 
16.1   When ANZ is liable 
ANZ will be liable for losses incurred by the account
holder that:
•   are caused by the fraudulent or negligent conduct of
ANZ’s employees or agents or third parties involved
in networking arrangements, or of merchants or their
agents or employees;
•   are caused by a card, account number, PayID,
password, PIN or Telecode which is forged, faulty,
expired or cancelled;
•   are caused by a transaction that requires the use of
any card, password, PIN or Telecode that occurred
before the user received or selected the card,
password, PIN or Telecode (including a reissued card,
password, PIN or Telecode);
•   are caused by a transaction being incorrectly debited
a second or subsequent times to the same account;
•   arises from an unauthorised transaction that occurs
after you have notified ANZ that any card has been
misused, lost or stolen or that the security of a
password, PIN or Telecode has been breached;
•   arises from an unauthorised transaction that can be
made using an account number or PayID without

77 
a password, PIN or Telecode or card. Where a
transaction can be made using a card, or a card and
an account number or PayID, but does not require
a password, PIN or Telecode, you will be liable only
if the user unreasonably delays reporting the loss or
theft of the card;
•   arise from an unauthorised transaction if it is clear
that a user has not contributed to the losses; or
•   occur while ANZ’s process for reporting unauthorised
transactions, loss, theft or misuse of a card or breach
of a Security Requirement is unavailable, provided
that a report is made within a reasonable time of the
process again becoming generally available. 
16.2   When the account holder is liable 
(a)   If ANZ can prove on the balance of probability
that a user contributed to the loss arising from an
unauthorised transaction through fraud or through
breaching a Security Requirement:
•   the account holder is liable in full for the actual
losses that occur before ANZ is notified of the loss,
theft or misuse of a card or breach of a Security
Requirement, but
•   the account holder will not be liable for a portion
of the losses: 
-   incurred on any one day that exceed any
applicable daily transaction limit; 
-   incurred in any period that exceed any
applicable periodic transaction limit; 
-   that exceeds the balance of the account,
including any pre-arranged credit; or 
-   incurred on any account that ANZ and the
account holder had not agreed could be
accessed using the card, account number or
PayID and/or password, PIN or Telecode used
to perform the transaction.
(b)   Where:
•   more than one password, PIN or Telecode is
required to perform a transaction, and

78 
•   ANZ can prove that a user breached a Security
Requirement for one or more (but not all) of the
required passwords, PINs or Telecodes, 
the account holder will only be liable if ANZ can
also prove that on the balance of probability that
the breach of the Security Requirement was more
than 50% responsible for the losses, when assessed
together with all the contributing causes. 
The account holder is liable for losses arising from
unauthorised transactions that occur because a user
contributed to the losses by leaving a card in an
ANZ   ATM.
(c)   If ANZ can prove, on the balance of probability that
a user contributed to the losses resulting from an
unauthorised transaction by unreasonably delaying
reporting the misuse, loss or theft of a card or a
breach of a Security Requirement, the account holder
will be liable for the actual losses that occur between:
•   the time when the user became aware of the
security compromise, or in the case of a lost or
stolen card, should reasonably have become
aware; and
•   the time ANZ was notified of the security
compromise, 
however, the account holder will not be liable for that
portion of the losses:
•   incurred on any one day that exceeds any
applicable daily transaction limit;
•   incurred in any period that exceeds any applicable
periodic transaction limit;
•   that exceeds the balance on the account,
including any pre-arranged credit; or
•   incurred on any account that we and the account
holder had not agreed could be accessed using
the card and/or passwords, PIN or Telecode used
to perform the transaction.
(d)   Where a loss arises from an unauthorised transaction
otherwise than as described above and where a
password, PIN or Telecode was required to perform

79 
the unauthorised transaction, the account holder is
liable for the least of:
•   $150 or a lower figure determined by ANZ;
•   the balance of the account or accounts (including
any prearranged credit) from which ANZ and the
account holder have agreed could be accessed
using the card and/or password, PIN or Telecode; or
•   the actual loss at the time ANZ is notified of
the misuse, loss or theft of a card or breach of a
Security Requirement (but not that portion of the
loss incurred on any one day* which is greater
than the daily transaction limit or other periodic
transaction limit (if any)). 
17.   ADDITIONAL PROTECTION VISA - ZERO
LIABILITY 
Your liability for unauthorised transactions on a Visa credit
card, Visa PAYCARD or ANZ Access Visa Debit card may be
limited by the Visa scheme rules, and you may be entitled
to provisional credit, subject to those rules. 
18.   EQUIPMENT MALFUNCTION 
(a)   ANZ is responsible to the account holder for any
loss caused by the failure of a system or equipment
to complete a transaction that was accepted in
accordance with your instructions.
(b)   However, and subject to applicable laws (including
any implied statutory warranties), if you were aware
or should reasonably have been aware that the
system or equipment was unavailable for use or
malfunctioning, ANZ’s responsibility will be limited to
correcting errors in the account and refunding any
charges or fees imposed as a result.
(c)   You are solely responsible for your own computer
and mobile phone anti-virus and security measures,
and those of any authorised user, to help prevent
unauthorised access via ANZ Internet Banking or Mobile
Banking to your transactions and linked accounts.
* A day begins at 12.00am (Melbourne time) and ends at 11.59pm
(Melbourne time) on the same day. If you are not in the same time
zone as Melbourne, please check http://www.australia.gov.au

80 
19.   LIABILITY UNDER THE BPAY ®   SCHEME 
19.1   General 
You should note that:
•   if you advise ANZ that a BPAY® payment made from
a linked account is unauthorised, you should first
give ANZ your written consent to obtain from the
biller information about your account with that biller
or the BPAY® payment, (including your CRN) as ANZ
reasonably requires to investigate the BPAY® payment.
This should be addressed to the biller who received
the BPAY® payment. If you do not do this, the biller
may not be permitted by law to disclose to ANZ the
information ANZ needs to investigate or rectify that
BPAY® payment;
•   if you discover that the amount you instructed ANZ
to pay was less than the amount you needed to
pay, you can make another BPAY® payment for the
shortfall. If you cannot make another BPAY® payment
for the shortfall because the shortfall amount is less
than the minimum amount the biller will accept, you
can ask ANZ to arrange for a reversal of the initial
payment. You can then make a second payment
for the correct amount. If you discover that the
amount you instructed ANZ to pay was more than
the amount you needed to pay, you can ask ANZ
to request a reversal of the initial payment from the
biller on your behalf, and if this occurs, you can make
a second payment for the correct amount. 
19.2   ANZ’s liability 
If you are liable for an unauthorised or fraudulently
induced payment under this ‘Liability under the BPAY®
Scheme’   section or as a result of a BPAY® billing error and
the ePayments Code applies, then your liability is limited to
the lesser of:
(i)   the amount of that unauthorised or fraudulently
induced payment; or
(ii)   the limit (if any) of your liability set out under
‘Unauthorised transactions’.
If (ii) applies, ANZ will be liable to you for the difference
between the amount for which you are liable and the
† ® Registered to BPAY Pty Ltd ABN 69 079 137 518.

81 
amount of the unauthorised or fraudulently induced
payment. 
19.3   BPAY® payments 
Except where a BPAY® payment is an unauthorised
payment, a fraudulently induced payment or a mistaken
payment (as outlined below), BPAY® payments are
irrevocable. No refunds will be provided through the
BPAY® Scheme where you have a dispute with the biller
about any goods or services you may have agreed to
acquire from the biller. Any dispute must be resolved
with the biller. This is the case even where your BPAY®
payment has been made with a credit card account as no
chargeback rights apply to BPAY® payments. 
19.4   Unauthorised BPAY® payments 
If a BPAY® payment is made in accordance with a
payment direction, which appeared to ANZ to be from
you or on your behalf, but which you did not in fact
authorise, ANZ will credit your account with the amount
of that unauthorised payment. However, you must
pay ANZ the amount of that payment (or part of that
payment as applicable) if:
•   ANZ cannot recover the amount from the person
who received it within 20 Banking Business Days of
ANZ attempting to do so; and
•   the payment was made as a result of a payment
direction which did not comply with ANZ’s Security
Requirements. 
19.5   Fraudulently induced BPAY® payments 
If a BPAY® payment is induced by the fraud of a person
involved in the BPAY® Scheme, then that person should
refund you the amount of the fraudulently induced
payment. However, if that person does not refund you
that amount, you must bear the loss unless some other
person involved in the BPAY® Scheme knew of the
fraudulent inducement or would have detected it with
reasonable diligence, in which case that person must
refund you the amount of the fraud-induced payment. 
19.6   Mistaken BPAY® payments 
(a)   If you discover that a BPAY® payment has been
made to a person, or for an amount, which is not in
accordance with your instructions (if any), and your

82 
account was debited for the amount of that payment,
ANZ will credit that amount to your account.
However, if you were responsible for a mistake
resulting in that payment (e.g. due to entering the
wrong details as part of the payment direction) and
ANZ cannot recover the amount of that payment, or
part of that payment (as applicable) from the person
who received it within 20 Banking Business Days of
ANZ attempting to do so, you must pay ANZ the
amount that ANZ cannot recover.
(b)   You acknowledge that the receipt by a biller of a
mistaken or erroneous payment does not or will not,
under any circumstances, constitute part or whole
satisfaction of any underlying debt owed between
you and that biller. 
19.7   Consequential loss 
This clause does not apply to the extent that it is
inconsistent with or contrary to any applicable law or
code of practice to which we have subscribed. If those
laws or that code would make this clause illegal, void or
unenforceable or impose an obligation or liability which is
prohibited by those laws or that code, this clause is to be
read as if it were varied to the extent necessary to comply
with those laws or that code or, if necessary, omitted.
ANZ is not liable for any consequential loss or damage
you suffer as a result of using the BPAY® Scheme, other
than due to any loss or damage you suffer due to ANZ’s
negligence, fraud or wilful misconduct or in relation to
any breach of a condition or warranty implied by law in
contracts for the supply of goods and services and which
may not be excluded, restricted or modified at all or only
to a limited extent. 
20.   INDEMNITY 
To the extent permitted by law, you indemnify ANZ
against any loss or damage ANZ may suffer (acting
reasonably) due to any claim, demand or action of any
kind brought against ANZ arising directly because you:
•   did not observe your obligations under; or
•   acted negligently or fraudulently in connection with
these Electronic Banking Conditions of Use.

83 
You are not required to discharge or indemnify us under
this clause in relation to any loss or damage to the extent
it arises from negligence, fraud, wilful misconduct or
mistake by ANZ or its officers, employees, contractors
or agents. 
21.   MISTAKEN INTERNET PAYMENTS 
A user may report a mistaken internet payment at any
ANZ branch or by calling ANZ.
Where a user reports a mistaken internet payment, ANZ
will investigate whether a mistaken internet payment has
occurred.
If ANZ is satisfied that a mistaken internet payment has
occurred, ANZ will send the Receiving Bank a request for
return of the funds.
If ANZ is not satisfied that a mistaken internet payment
has occurred, ANZ will not take any further action.
ANZ will inform the user of the outcome of a reported
mistaken internet payment in writing within 30 business
days of the report being made. 
21.1   Process where some or all funds are available and
report is made within 10 business days 
Where a user reports a mistaken internet payment within
10 business days of making the payment and:
•   ANZ and the Receiving Bank are satisfied that a
mistaken internet payment has occurred; and
•   ANZ is advised by the Receiving Bank that there are
funds available in the account of the unintended
recipient to cover some or all of the payment and the
Receiving Bank has recovered those funds,
the Receiving Bank must forward those funds to ANZ no
later than 10 business days after receiving our request to
return those funds. 
21.2   Process where some or all funds are available and
report is made between 10 business days and 7 months 
Where a user reports a mistaken internet payment
between 10 business days and 7 months after making
the payment and:

84 
•   ANZ and the Receiving Bank are satisfied that a
mistaken payment has occurred; and
•   ANZ is advised by the Receiving Bank that there are
funds available in the account of the unintended
recipient to cover some of all of the payment; and
•   the Receiving Bank prevents the unintended recipient
from withdrawing those funds for 10 business days
and during this period the unintended recipient does
not establish that they are entitled to those funds and
the Receiving Bank has recovered those funds,
the Receiving Bank must forward those funds to ANZ
within 2 business days of the expiry of the 10 business
day period referred to above. 
21.3   Process where some or all funds are available and
report is made after 7 months 
Where a user reports a mistaken internet payment more
than 7 months after making the payment and:
•   ANZ and the Receiving Bank are satisfied that a
mistaken payment has occurred; and
•   ANZ is advised by the Receiving Bank that there are
funds available in the account of the unintended
recipient to cover some or all of the payment; and
•   the unintended recipient consents to return of those
funds,
the Receiving Bank must forward those funds to ANZ. 
21.4   Process following report of a mistaken internet
payment 
If the Receiving Bank recovers any funds from the
unintended recipient and forwards those funds to ANZ,
we will return the funds to the account holder as soon as
practicable.
It may not be possible to recover any funds in certain
circumstances, for example where:
•   the Receiving Bank is not satisfied that a mistaken
internet payment has occurred; or
•   there are insufficient funds in the unintended
recipient’s account. In this case, the amount that may
be recovered will depend on the Receiving Bank’s

85 
exercise of discretion to pursue all, some or none of
the funds.
If the Receiving Bank is unable to recover the funds
from the unintended recipient, the account holder will
be liable for losses arising from the mistaken internet
payment. 
21.5   Complaints about mistaken internet payments 
A user who reports a mistaken internet payment can
complain to ANZ about how the report is dealt with.
ANZ will deal with the complaint in accordance with this
booklet.
The user is unable to complain to ANZ about the conduct
of the Receiving Bank in dealing with their report of a
mistaken internet payment. 
21.6   Unintended recipients 
If you receive a mistaken internet payment into your
account and ANZ, as Receiving Bank is required to
forward the funds to the payer’s authorised deposit
taking institution, you authorise ANZ to:
•   block your access to some or all of your funds; and
•   withdraw some or all of those funds from your
account without notice and return the funds to the
payer’s authorised deposit-taking institution. 
22.   CHANGES TO THE ELECTRONIC
BANKING CONDITIONS OF USE 
ANZ can change the Electronic Banking Conditions of
Use at any time. In accordance with the requirements
under the ePayments Code, ANZ will give you at least 20
days prior written notice of any changes which:
•   impose or increase fees or charges for issuing or
replacing a card, password, PIN or Telecode;
•   impose or increase fees or charges for performing
transactions;
•   increase your liability for losses relating to
transactions;

86 
•   change your daily transaction limit or other periodical
transaction limit applying to the use of electronic
equipment;
•   impose, remove or change your daily or other
periodic limit on transactions, an account or
electronic equipment (eg limits on the number or
value of ATM withdrawals); or
•   are otherwise unfavourable.
We will give you notice of any other change to the
Electronic Banking Conditions of Use as soon as
reasonably practicable and in any case, before the
change takes effect. We will give you notice in the
manner required by applicable law, or if there are no such
requirements in a way that the notice is likely to come to
your attention (for example, by publishing notice of the
change in internet banking).
We are not required to give you advance notice of a
change to the Electronic Banking Conditions of Use if the
change is required to immediately restore or maintain the
security of a system or an individual facility (for example,
the prevention of systemic or individual criminal activity
including fraud).
If we make a change that you are not happy with, then
you can exercise rights to terminate your contract
with ANZ under and in accordance with the terms and
conditions of the contract.

87 
PART C
INFORMATION STATEMENT 
THINGS YOU SHOULD KNOW ABOUT YOUR
PROPOSED CREDIT   CONTRACT 
This statement tells you about some of the rights and
obligations of yourself and your credit provider, Australia and
New Zealand Banking Group Limited ABN 11 005 357 522
(‘ANZ’). It does not state the terms and conditions of your
contract.
If you have any concerns about your contract, contact ANZ
and, if you still have concerns, contact the AFCA scheme, or get
legal advice. 
THE CONTRACT 
1   How can I get details of my proposed credit contract? 
ANZ must give you a precontractual statement
containing certain information about your contract. The
precontractual statement, and this document, must be
given to you before:
•   your contract is entered into; or
•   you make an offer to enter into the contract,
whichever happens first. 
2   How can I get a copy of the final contract? 
If the contract document is to be signed by you and
returned to ANZ, you must be given a copy to keep.
Also, ANZ must give you a copy of the final contract
within 14 days after it is made. This rule does not
however, apply, if ANZ has previously given you a copy of
the contract document to keep.
If you want another copy of your contract write to ANZ
and ask for one. ANZ may charge you a fee. ANZ has to
give you a copy:
•   within 14 days of your written request if the original
contract came into existence one year or less before
your request; or
•   otherwise within 30 days of your written request.

88 
3   Can I terminate the contract? 
Yes. You can terminate the contract by writing to ANZ so
long as:
•   you have not obtained any credit under the contract;
or
•   a card or other means of obtaining credit given to
you by ANZ has not been used to acquire goods or
services for which credit is to be provided under the
contract.
However, you will still have to pay any fees or charges
incurred before you terminate the contract. 
4   Can I pay my credit contract out early? 
Yes. Pay ANZ the amount required to pay out your credit
contract on the day you wish to end your contract. 
5   How can I find out the payout figure? 
You can write to ANZ at any time and ask for a statement
of the payout figure as at any date you specify. You can
also ask for details of how the amount is made up.
ANZ must give you the statement within seven days after
you give your request to ANZ. You may be charged a fee
for the statement. 
6   Will I pay less interest if I pay out my contract early? 
Yes. The interest you can be charged depends on the
actual time money is owing. 
7   Can my contract be changed by ANZ? 
Yes, but only if your contract says so. 
8   Will I be told in advance if ANZ is going to make a
change in the contract? 
That depends on the type of change. For example:
•   you get at least same day notice for a change to an
annual percentage rate. That notice may be a written
notice to you or a notice published by your credit
provider.
•   you get at least 20 days advance written notice for:
-   a change in the way in which interest is calculated;
or

89 
-   a change in credit fees and charges; or
-   any other changes by ANZ; 
except where the change reduces what you have to
pay or the change happens automatically under the
contract. 
9   Is there anything I can do if I think my contract is unjust? 
Yes. You should first talk to ANZ. Discuss the matter and
see if you can come to some arrangement.
If that is not successful, you may contact the AFCA
scheme. The AFCA scheme is a free service established to
provide you with an independent mechanism to resolve
specific complaints. The AFCA scheme can be contacted
by phone on 1800 931 678, by email at info@afca.org.au,
or by writing to:
Australian Financial Complaints Authority,
GPO Box 3,
Melbourne VIC 3001.
Alternatively, you can go to court. You may wish to get
legal advice, for example from your community legal
centre or Legal Aid.
You can also contact ASIC, the regulator, for information
on 1300 300 630 or through ASIC’s website at http://
www.asic.gov.au. 
INSURANCE 
10   Do I have to take out insurance? 
You can decide if you want to take out insurance or not.
If you take out insurance, ANZ can not insist that you use
any particular insurance company. 
11   Will I get details of my insurance cover? 
Yes, if you have taken out consumer credit insurance and
the premium is financed by ANZ. In that case the insurer
must give you a copy of the policy within 14 days after
the insurer has accepted the insurance proposal.
You can always ask the insurer for details of your insurance
contract. If you ask in writing your insurer must give you a
statement containing all the provisions of the contract.

90 
12   If the insurer does not accept my proposal, will I be told? 
Yes, if the insurance was to be financed by the credit
contract. The insurer will inform you if the proposal is
rejected. 
13   In that case, what happens to the premiums? 
ANZ must give you a refund or credit unless the
insurance is to be arranged with another insurer. 
GENERAL 
14   What do I do if I cannot make a repayment? 
Get in touch with ANZ immediately. Discuss the matter
and see if you can come to some arrangement. You can
ask ANZ to change your contract in a number of ways:
•   to reduce payments; or
•   to delay payments for a set time. 
15   What if ANZ and I cannot agree on a suitable
arrangement? 
If ANZ refuses your request to change the repayments,
you can ask ANZ to review this decision if you think it is
wrong.
If ANZ still refuses your request you can complain to the
AFCA scheme. Further details about this scheme are set
out below in question 17. 
16   Can ANZ take action against me? 
Yes, if you are in default under your contract. But the law
says that you cannot be unduly harassed or threatened
for repayments. If you think you are being unduly
harassed or threatened, contact the AFCA scheme or
ASIC, or get legal advice. 
17   Do I have any other rights and obligations? 
Yes. The law will give you other rights and obligations.
You should also READ YOUR CONTRACT carefully.

91 
IF YOU HAVE ANY COMPLAINTS ABOUT
YOUR CREDIT CONTRACT, OR WANT MORE
INFORMATION, CONTACT ANZ. YOU MUST
ATTEMPT TO RESOLVE YOUR COMPLAINT
WITH ANZ BEFORE CONTACTING THE
AFCA SCHEME. IF YOU HAVE A COMPLAINT
WHICH REMAINS UNRESOLVED AFTER
SPEAKING TO ANZ YOU CAN CONTACT THE
AFCA SCHEME OR GET LEGAL ADVICE.
THE AFCA SCHEME IS A FREE SERVICE
ESTABLISHED TO PROVIDE YOU WITH AN
INDEPENDENT MECHANISM TO RESOLVE
SPECIFIC COMPLAINTS. THE AFCA SCHEME
CAN BE CONTACTED BY PHONE ON 1800 931
678, BY EMAIL AT INFO@AFCA.ORG.AU OR
BY WRITING TO: AUSTRALIAN FINANCIAL
COMPLAINTS AUTHORITY, GPO BOX 3,
MELBOURNE VIC 3001.
PLEASE KEEP THIS INFORMATION
STATEMENT. YOU MAY WANT SOME
INFORMATION FROM IT AT A LATER DATE.

92 
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.   Australian Credit Licence Number 234527.
Item No. 80037 07.2025 WZ154779 
anz.com

---

# Source: https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf

REWARD
TERMS AND CONDITIONS 
ANZ FREQUENT FLYER

2 
DEFINITIONS AND INTERPRETATIONS 
1.   In these terms and conditions the following words
have the meanings set out below, unless the context
requires otherwise. 
‘Account Holder’   means the person in whose name a Card
account is kept and who is responsible for all transactions on
the Card account. 
‘Additional Cardholder’   means a person to whom a Card
is issued, at the request of the Account Holder and who is
authorised to transact on the Card account. 
‘AFT’   means an Account Funding Transaction initiated by a
Visa Direct enabled merchant or other person to debit an ANZ
Credit Card to transfer funds to a further nominated account or
digital wallet. 
‘ANZ’   means Australia and New Zealand Banking Group
Limited ABN 11 005 357 522. 
‘Balance Transfer’   means where funds are credited to another
credit, charge or store card account held by you or a third party
which is not an ANZ account. 
‘Black Card’   means a Card that is an ‘ANZ Frequent Flyer
Visa Black’ or such other Card as may be notified to Account
Holders as being a Black Card for the purposes of these terms
and conditions. 
‘Bonus Partner’   means Qantas and any other person who ANZ
advises has agreed to provide Bonus Points to Account Holders
from time to time. 
‘Bonus Points’   means the extra Points that are earned in
respect of the acquisition of qualifying goods and services
from any Bonus Partners in addition to the standard Points
earned for spend on ANZ Frequent Flyer. 
‘BPAY®’   means BPAY Pty Ltd ABN 69 079 137 518. 
‘Cap’   means the dollar value of all purchases made on a Card
account (including purchases made by Additional Cardholders)
which will be eligible to earn Points in a statement period, as
advised by ANZ from time to time. 
‘Card’   means an ANZ credit card which is a:
(a)   Classic Card;
(b)   Platinum Card;
(c)   Black Card; or

3 
(d)   other card notified to the relevant Account Holders as being
a card to which these terms and conditions relate. 
‘Cardholder’   means, in relation to a Card account,
the Account Holder and each Additional Cardholder. 
‘Cash Equivalent Transaction’   means transfers of funds
to or from other financial institutions, foreign exchange
transactions, travellers cheque purchases, gambling
transactions, utility bills paid in person at a bank or Australia
Post or any bills paid using the Card in conjunction with
the BPAY® scheme (if the billing merchant does not accept
credit card payment using the BPAY® scheme) and any other
transaction that is treated as a cash advance. 
‘Classic Card’   means a Card that is an ‘ANZ Frequent Flyer
Visa’ or such other Card as may be notified to Account
Holders as being a Classic Card for the purposes of these
terms and conditions. 
‘Current Spend’   means the collective dollar value of all
purchases made within the current statement period on
the Card account (including purchases made by Additional
Cardholders). 
‘Government Charge(s)’   includes, but is not limited to,
payment for goods, services, charges and/or levies made to
a local, state, or federal government or statutory authorities
or related agencies (and includes Australian and overseas
governments). 
‘Platinum Card’   means a Card that is an ‘ANZ Frequent Flyer
Visa Platinum’ or such other Card as may be notified to Account
Holders as being a Platinum Card for the purposes of these
terms and conditions. 
‘Point’   means a Qantas Point added to or subtracted from a Points
Record in accordance with these terms and conditions. 
‘Points Record’   means a record established by ANZ in the
name of an Account Holder for the purpose of calculating the
Account Holder’s Points entitlements. 
‘Points Summary’   means a report issued to an Account
Holder, either as part of their regular credit card statement or
separately, detailing the Points Record for a given period, in
accordance with these terms and conditions. 
‘Qantas’   means Qantas Airways Limited (ABN 16 009 661 901)
or any of its agents or contractors from time to time.

4
‘Qantas Frequent Flyer program’   means the frequent flyer
program operated by or on behalf of Qantas. 
‘Qantas Frequent Flyer membership number ’ means the
Qantas Frequent Flyer program membership number which is
in the name of the Account Holder. 
‘Qantas Point’   means a point earned in the Qantas Frequent
Flyer program. 
‘Refund’   means a refund or reimbursement for purchases
previously charged to a Card account, including but not
limited to adjustments to the Card account balance arising
from returned goods. 
‘You’   and   ‘Your’   means the Account Holder.
Other expressions used in these terms and conditions which
are not defined here have the same meaning as in the ANZ
Credit Cards Conditions of Use which are provided to the
Account Holder on opening a Card account. Copies of the
ANZ Credit Cards Conditions of Use are available from ANZ
branches, at anz.com or by calling ANZ. 
REWARD TERMS AND CONDITIONS 
Terms governing your agreement 
2.   You will be bound by these terms and conditions and any
terms and conditions on anz.com when you accept your
Credit Card Contract.
3.   Use of the Card and Credit Card Account is governed by
the ANZ Credit Cards Conditions of Use.
4.   Points are governed by and subject to the terms and
conditions of the Qantas Frequent Flyer program. 
Changes to these terms 
5.   ANZ may amend or terminate these terms and conditions
at any time by giving You at least 30 days’ notice: 
(i)   in writing; or 
(ii)   by public notice. Public notice may include a notice
published in a national newspaper or other form
of public notice which results in the notice being
accessible and reasonably prominent.
6.   ANZ may add and remove Bonus Partners without prior notice.
7.   ANZ cannot control changes Bonus Partners may make to
the goods or services in relation to which Bonus Points are

5 
awarded and the number of Points which You will receive
as a result of acquiring such goods or services. 
Use of Information 
8.   The ANZ Credit Cards Conditions of Use and ANZ’s Privacy
Policy contain information about the information that
ANZ collects about You (personal information) during the
course of Your relationship with ANZ. Qantas and ANZ may
also collect information about: 
(a)   transactions or events resulting in Points being
credited or debited in your Points Record; 
(b)   the number of Points being credited or debited; 
(c)   the number of Points accumulated by You; and 
(d)   any information relating to the Card, Card account,
transactions on the Card account or related terms and
conditions that You disclose to Qantas or ANZ. 
Qantas and ANZ collect this information for the following
purposes: 
(a)   to administer the Card, Card account and these terms
and conditions; 
(b)   to provide, perform or arrange for the provision or
performance of services relating to the Card, Card
account and these terms and conditions; and 
(c)   to plan, research and for the promotion and marketing
(whether targeted, direct or indirect) of goods, services
and products of Qantas and ANZ and any other Bonus
Partner.
9.   By using the Card, each Cardholder specifically authorises
Qantas, ANZ and any Bonus Partner, and any of their
respective agents and contractors to seek access to, collect
and use that information and disclose that information
between themselves for the above purposes, provided that
no Bonus Partner (except Qantas and ANZ) will have access
to the Cardholder’s name and address.
10.   Each Cardholder may obtain access to stored information
relating to that Cardholder and may obtain access to and
correct that information by calling ANZ on 13 22 73. A fee
may apply for this service.
11.   An outlet may cease to be a Bonus Partner, and additional
outlets may become Bonus Partners at any time.

6 
12.   Points in a Points Record at the time of death of the
Account Holder will be cancelled and may not be claimed
by any other person.
13.   Neither Qantas nor ANZ will be responsible for
correspondence lost or delayed in the mail. Any Points
Summary or notice will be deemed to have been given
to the Account Holder if posted to the Account Holder’s
mailing address.
14.   Neither Cards nor Points may be sold or transferred in
any   way.
15.   If ANZ closes Your Card account, ANZ will notify the
Account Holder of such closure.
16.   Subject to clause 24, if ANZ or the Account Holder
closes the Card account, Points will continue to be
awarded under these terms and conditions in relation
to transactions occurring prior to the date of closure,
provided that ANZ receives notice of the transaction and
the Account Holder’s Qantas Frequent Flyer membership
number within 60 days after the date of closure. No Points
will be awarded in relation to transactions notified to
ANZ after that date. If ANZ does not receive the Account
Holder’s Qantas Frequent Flyer membership number
within 60 days after the date of closure, the Points in the
Points Record in respect of the Card as at that date will be
cancelled and may not be credited to a Qantas Frequent
Flyer account.
17.   If these terms and conditions are terminated, Points will
continue to be awarded in accordance with these terms
and conditions in relation to transactions occurring prior
to the date of termination, provided that ANZ receives
notice of the transaction and the Account Holder’s Qantas
Frequent Flyer membership number within 90 days after
the date of closure. No Points will be awarded in relation to
transactions notified to ANZ after that date. 
Earning Points 
18.   (a)   You must be a member of the Qantas Frequent Flyer
program to earn and redeem Points. A joining fee
may apply. Membership of the Qantas Frequent Flyer
program is subject to the terms and conditions of
the   Qantas Frequent Flyer program. Please refer to
qantas.com/terms or call the Qantas Frequent Flyer
Service Centre on 13 11 31 for a copy.

7 
(b)   Points earned by using Your Card or Card account are
credited to Your Qantas Frequent Flyer account after
each statement period. Only whole Points are credited.
Portions of Points are carried over until they can be
credited as whole Points. 
(c)   The number of Points earned in a given period appears
on an Account Holder’s Points Summary for that period,
and may include Points that have not been credited to a
Qantas Frequent Flyer account. 
(d)   Qantas Points that are available to be redeemed appear in
an Account Holder’s Qantas Frequent Flyer account and
can be obtained by referring to qantas.com/frequentflyer
or by calling the Qantas Frequent Flyer Service Centre
on   13 11 31.
19.   ANZ will advise you in writing of the number of Points you
could earn per dollar spent and any earn rate bands or
Caps applicable to your Card(s) at the time of opening your
Card account. At any other time, ANZ will advise you if the
number of Points you could earn per dollar spent decreases
or the earn rate bands or Caps change in a way which
reduces your ability to earn Points. ANZ is not required to
advise you in writing at any time if the number of Points you
could earn per dollar spent increases or the earn rate bands
or Caps change in a way which increases your ability to
earn   Points.
20.   Some Card accounts may have: 
(a)   banded Point earn rates, as advised by ANZ from
time to time. This means that different earn rates may
apply depending on the cumulative dollar value of
eligible purchases made during the current statement
period. For example, the earn rate available on eligible
purchases made once your total eligible purchases
during a statement period exceed $1,000 may be
different from the earn rate available on the first $999
of eligible purchases made during a statement period.
The cumulative dollar value of eligible purchases made
will reset at the start of each statement period. ANZ
will advise you in writing of any banded earn rates
applicable to the account at the time of opening your
Card account; or 
(b)   a Cap, as advised by ANZ from time to time. If a Cap
applies to your account, you will only earn Points
in a Card account statement period for every dollar
Cardholders spend up to the Cap. Caps will reset at

8 
the start of each statement period. Dollars spent by
all Cardholders on their cards are collectively applied
against the Cap. ANZ will advise you in writing of any
Cap applicable to your Card account at the time of
opening Your Card account and at any time where the
Cap decreases.
21.   There is no limit on the number of Bonus Points You may
earn in any statement period. 
When you won’t earn points 
22.   You will not earn Points on: 
(a)   Interest charges or bank fees; 
(b)   premiums paid for ANZ Credit Card Insurance (ANZ
Credit Card Insurance not available for new customers
from March 17 th , 2018); 
(c)   Government Charges or payments made to the
Australian Taxation Office; 
(d)   transactions made using the BPAY® scheme or Post
Billpay service; 
(e)   card account adjustments resulting from disputed
transactions or otherwise; 
(f )   balance transfers, cash advances (as defined in the
ANZ   Credit Cards Conditions of Use) or AFTs; or 
(g)   transactions which are identified to ANZ by the relevant
merchant or any intermediary financial institution as
falling into one of these categories. ANZ is only able
to determine whether a transaction is eligible to earn
Points by using information provided by the merchant
(including the type of business conducted by the
merchant) and the relevant intermediary financial
institution (i.e. the financial institution with which the
merchant has entered into an agreement, enabling the
merchant to accept payment for goods and services by
credit card). Accordingly, certain transactions made with
certain merchants may be treated as ineligible to earn
Points even if such transactions do not fall within the
categories as set out this clause.
23.   Please ensure, by calling 13 22 73, ANZ has your Qantas
Frequent Flyer membership number so that Points can
be credited to Your Qantas Frequent Flyer account. If
ANZ has not been notified of Your Qantas Frequent Flyer
membership number within 12 months after the date of
opening Your Card account, You will be entitled to claim

9 
Points only in relation to transactions made during the 12
months immediately preceding the date You notify ANZ of
Your Qantas Frequent Flyer membership number. Points
will not accrue in relation to any earlier transactions. If ANZ
or the Account Holder closes the Card account and ANZ
does not receive the Account Holder’s Qantas Frequent
Flyer membership number within 60 days after the date of
closure, the Points in the Points Record in respect of the Card
as at that date will be cancelled and may not be credited to
a Qantas Frequent Flyer program account.
24.   Pursuant to the ANZ Credit Cards Conditions of Use, ANZ
can suspend or cancel any Credit Card on your Credit Card
Account in certain circumstances, including if an Event of
Default occurs or if we suspect, on reasonable grounds,
that you have been operating your Credit Card Account
fraudulently. If we cancel or suspend your Credit Card or
block your Credit Card Account you will not be able to
accrue Points.
25.   You will earn Bonus Points as a result of You or Your
Additional Cardholder using a Card or Your Card account to
purchase qualifying goods or services from a Bonus Partner
in Australia or in any other locations where specified on
anz.com. ANZ will, by agreement with Bonus Partners,
determine which goods or services are qualifying goods
or services. These will be specified on anz.com or other
communication from ANZ.
26.   Bonus Partners are not responsible for the management,
operation or administration of the ANZ Frequent Flyer
reward program.
27.   Points are awarded to Account Holders and not to
Additional Cardholders.
28.   Points may also be earned in relation to promotions and
incentives offered by Qantas, ANZ or any other Bonus
Partners from time to time.
29.   ANZ and Qantas may establish additional means of earning
and accruing Points. This may include changes to the
amount of Points earned per dollar spent for selected
Account Holders from time to time.
30.   When a Cardholder obtains a Refund, an adjustment may be
made to the Points Record and/or the Current Spend for that
Card account, in accordance with this clause: 
(a)   where no Cap applies to your Card account, your Points
Record will be reduced in proportion to the Refund.

10 
(b)   where a Cap applies and it has not been reached at
the time of the Refund, your Points Record and Current
Spend will be reduced in proportion to the Refund. 
(c)   where a Cap applies to your Card account and it has
been reached at the time of the refund, you may have
Points deducted for the Refund. The amount of Points
deducted for the Refund is based on the proportion of
the Refund taking you below the Cap. 
(d)   in all cases, the number of Points deducted from your
Points Record will be calculated by reference to the rate
at which you were earning Points at the time the Refund
was granted. 
(e)   for all Card accounts, any Bonus Points earned on a
purchase of qualifying goods or services will be reversed
if a Refund is obtained for that purchase.
31.   You will have no recourse against any Bonus Partner in
respect of Points recorded in Your Points Record. There
will be no compensation for Points which are cancelled or
deemed by ANZ to have expired.
32.   Points will accrue approximately monthly based on the Card
statement period.
33.   Requests for missing Points must be notified to ANZ within
six months after the relevant transaction has appeared on
the Account Holder’s credit card statement of account. Your
request will be investigated by ANZ. ANZ will notify you of
the outcome of its investigation and may update your Points
Record accordingly. Any adjustment made by ANZ may
affect Points that already appear in your Points Notice. 
Qantas Bonus Points 
34.   You will earn the number of Bonus Points per dollar spent
as published on anz.com for every dollar charged to the
Card when you use your Card to purchase the following
selected Qantas products and services directly from
Qantas: Qantas Passenger flights (with a QF flight number),
Qantas Frequent Flyer and Qantas Club membership
joining and annual fees. Bonus Points are not earned on
expenditure relating to Qantas Freight, Qantas Holidays
Limited, Qantas Business Travel PTY Limited, Qantas Staff
Travel, Jetset Travelworld, the Jetstar Group of Companies
or goods and services supplied by Qantas Frequent Flyer
program partners unless otherwise notified.

11

anz.com Australia and New Zealand Banking Group Limited ABN 11 005 357 522.   Australian Credit Licence Number 234527. Item No. 92259 07.2024 WZ143646

---

# Source: https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf

Changes to ANZ
Platinum and Black
Personal Credit Cards
Complimentary
Insurance
ANZ is making changes to the ANZ Platinum
and Black Personal Credit Cards Complimentary
Insurance Policy Information Booklet ( Policy
Information Booklet ) dated 7 June 2024. The
changes will be introduced in two phases:
•   Phase 1 takes effect on 9 December 2026
•   Phase 2 takes effect on 24 March 2027 
On each effective date, a new version of the Policy
Information Booklet will come into effect and
replace the previous version. 
For full details, please refer to the table of changes
outlining all updates which can be viewed here. 
What happens if an insurable event occurs
before 9 December 2026? 
If an insurable event occurs before 9 December
2026, and the eligibility criteria have been met,
access to cover will be determined under the
terms of the Policy Information Booklet dated
7 June 2024.

2 
What happens if an insurable event occurs
on or after 9 December 2026 but before 24
March 2027? 
If an insurable event occurs on or after 9
December 2026 but before 24 March 2027, and the
eligibility criteria have been met, access to cover
will be determined under the terms of the Policy
Information Booklet dated 9 December 2026. 
What happens if an insurable event occurs on or
after 24 March 2027? 
If an insurable event occurs on or after 24 March
2027, and the eligibility criteria have been met,
access to cover will be determined under the
terms of the Policy Information Booklet dated 24
March 2027. 
Further information 
If you have any questions about this document
or how the changes apply to you, please contact
Allianz Global Assistance on 1300 135 271 (within
Australia) or by email to
ANZTravelTeam@allianz-assistance.com.au.
Further information may be found at
anz.com/allianz.

ANZ PL ATINUM AND BL ACK
PERSONAL CREDIT CARDS
COMPLIMENTARY INSUR ANCE 
POLICY INFORMATION BOOKLET
EFFECTIVE DATE: 7 JUNE 2024

CONTACT ALLIANZ GLOBAL ASSISTANCE 
Claims and enquiries 
Online   Lodge your International Travel Insurance claim at:
claimmanager.com.au/anz
Access claim forms, 24 hours a day, 7 days a week at:
travel.agaassistance.com.au/anz/make-a-claim 
Phone   1300 135 271 (within Australia) 
Enquiries 
Monday to Friday 8am to 7pm AEST
Saturday 8am to 5pm AEST 
Claims 
Monday to Friday 8am to 5pm AEST 
Email   ANZTravelTeam@allianz-assistance.com.au 
24-hour emergency assistance 
Phone   1800 010 075 (within Australia)
+61 7 3305 7465 (overseas)
Please note, additional charges may apply for any
calls made from mobiles, public telephones or hotel
rooms. 
Email   medical@allianz-assistance.com.au 
LETTER OF ELIGIBILITY FOR INTERNATIONAL
TRAVEL INSURANCE 
You can obtain written confirmation of eligibility for cover for your
overseas journey based on the answers you give us, by applying
online at: www.checkyourcover.com.au/anz. If you provide us
with incorrect answers to the questions we ask you, you may not
be eligible for cover under the Group Policy issued to ANZ. 
CHANGES TO THIS BOOKLET 
The information in this booklet is subject to change from time
to time and is correct and current as at the date on the cover.
The Termination or Variation of Cover clause on page 2 sets out
the notice ANZ will provide to you when changes are made
to the terms and conditions related to the insurance cover
available to you or where the policy is terminated. A new Policy
Information Booklet reflecting the changes will be available on
www.anz.com/allianz.

CONTENTS 
Important Information
about the Complimentary Cover Available   ................................... 1 
Introduction   ......................................................................................................... 1
Allianz - the insurer   .......................................................................................... 1
ANZ is not the issuer (insurer) of this cover   ..................................... 2
Termination or variation of cover   ........................................................... 2
Other insurances ............................................................................................... 3
Limitation of cover ........................................................................................... 3
Eligible cards ........................................................................................................ 3 
Allianz Global Assistance Privacy Notice   ........................................ 4
Definitions .................................................................................................. 6
International Travel Insurance
(for people aged under 81 years)   ....................................................15 
Part A - Eligibility for Cover   .......................................................................15
Part B - Period of Cover   ...............................................................................16
Part C - Benefits Limits   .................................................................................17
Part D - Excesses and General Exclusions   ........................................22
Part E - The Cover Available ......................................................................26 
Domestic Travel Insurance   .................................................................55 
Part A - Eligibility for Cover   .......................................................................55
Part B - Period of Cover   ...............................................................................56
Part C - Benefit Limits   ...................................................................................56
Part D - Excesses and General Exclusions   ........................................57
Part E - The Cover Available ......................................................................59 
Rental Vehicle Excess Insurance in Australia   ...............................69 
Part A - Eligibility for Cover   .......................................................................69
Part B - Period of Cover   ...............................................................................69
Part C - Benefit Limits   ...................................................................................69
Part D - Excess and Exclusions   ................................................................69
Part E - The cover available   .......................................................................71 
Purchase Protection Insurance   .........................................................72 
Part A - Eligibility for Cover   .......................................................................72
Part B - Period of Cover   ...............................................................................72
Part C - Benefit Limits   ...................................................................................72
Part D - Excess and Exclusions   ................................................................73
Part E - The Cover Available ......................................................................74

Extended Warranty Insurance ...........................................................76 
Part A - Eligibility for Cover   .......................................................................76
Part B - Period of Cover   ...............................................................................76
Part C - Benefit Limits   ...................................................................................76
Part D - Excess and Exclusions   ................................................................77
Part E - The Cover Available ......................................................................77 
Claims   ........................................................................................................79 
How to make a claim   ...................................................................................79
Depreciation   ......................................................................................................80
Claims are payable in Australian dollars   ...........................................81
Recovery   .............................................................................................................81
How GST may affect your claim   ............................................................82
Fraud.......................................................................................................................82 
Complaints and Disputes   ...................................................................83
General Insurance Code of Practice ................................................83
THE INSURER IS 
Allianz Australia Insurance Limited, ABN 15 000 122 850,
AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000,
telephone 13 10 00. 
THE GROUP POLICY IS ISSUED AND MANAGED BY 
AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631,
trading as Allianz Global Assistance, of Level 16, 310 Ann Street,
Brisbane, QLD 4000, telephone 1800 091 710.

1 
IMPORTANT INFORMATION
ABOUT THE COMPLIMENTARY
COVER AVAILABLE 
INTRODUCTION 
This booklet describes the complimentary insurance benefits
provided by Allianz Australia Insurance Limited (Allianz), which
are available to ANZ cardholders and other eligible beneficiaries.
Cover applies to events occurring on or after 7 June 2024. You
are not covered for events occurring after termination of, or
the expiry of, the period of the Group Policy. ANZ will provide
accountholders with details of any replacement cover. 
ALLIANZ - THE INSURER 
These covers are available under the Group Policy issued to
Australia and New Zealand Banking Group Limited, ABN 11 005
357 522, AFSL and Australian credit licence No 234527 (ANZ)
of Level 9, 833 Collins Street, Docklands, VIC 3008, by AWP
Australia Pty Ltd, ABN 52 097 227 177, AFS Licence No 245631
trading as Allianz Global Assistance of 310 Ann Street, Brisbane
QLD 4000 (Allianz Global Assistance) under a binder from the
insurer, Allianz Australia Insurance Limited, ABN 15 000 122 850,
AFS Licence No. 234708, Level 16, 10 Carrington Street, Sydney,
NSW 2000 (Allianz). For general enquiries call Allianz Global
Assistance. Allianz Global Assistance issues and manages the
Group Policy on behalf of Allianz.
The covers described in this booklet are available for your
benefit under the Group Policy entered into between Allianz
Global Assistance (on behalf of Allianz) and ANZ. ANZ is the
policy owner. When eligible, you have the benefit of cover as a
third party beneficiary by reason of the statutory operation of
Section 48 of the Insurance Contracts Act 1984 (Cth).
There is no obligation to accept any of these benefits. However,
if you wish to claim any of these benefits, you will be bound by
the definitions, terms, conditions, exclusions, limits, applicable
sub-limits and claims procedures contained in this booklet. 
Please read this booklet carefully and keep it in a safe place. 
Also please keep detailed particulars and proof of any loss.
Examples may include sales receipts and ANZ card account
statements showing any purchases.

2 
ANZ IS NOT THE ISSUER (INSURER) OF
THIS COVER 
ANZ is not the issuer of these covers and neither it nor any of
its related corporations guarantee or are liable to pay any of the
benefits under these covers.
These benefits are available to the beneficiaries upon meeting
the eligibility requirements under these covers. Neither ANZ nor
any of its related corporations are Authorised Representatives
of Allianz, Allianz Global Assistance or any of their related
companies and ANZ does not receive any commission or
remuneration in relation to the insurance set out in this booklet. 
TERMINATION OR VARIATION OF COVER 
ANZ or Allianz may terminate or agree to vary the terms,
conditions and cover available to cardholders under the Group
Policy as set out in this booklet. If this occurs, ANZ will give
the accountholder at least 30 days' written notice before the
termination or change takes effect. ANZ may give less notice, or
publish the notice on ANZ’s website if:
•   there is a minor change with no effect to the cardholders’
cover or the eligibility criteria (e.g. a change of contact
details);
•   the variation is favourable to the cardholder (in which case
ANZ will take reasonable steps to provide written notice as
soon as reasonably possible); or
•   ANZ and Allianz are reasonably required to act quickly to
change the terms of the Group Policy to manage material
and immediate risks arising from: 
-   a potential or actual breach of any law; or 
-   a proposed change in, or interpretation of, a law or any
decision, recommendation, regulatory guidance or
standard of any court, tribunal, ombudsman service,
regulatory or other similar body.
A risk will be considered material and immediate if to protect
ANZ and/or Allianz’   legitimate business interests, ANZ and/or
Allianz are required to act quickly to change the terms, conditions
and/or cover, or terminate the cover, as set out in this booklet.
Where there is a termination or change to the terms, conditions
and/or cover as set out in this booklet, the existing terms,
conditions and/or cover will only apply to events occurring
before the date of the change or termination.
Where the Group Policy is terminated, no cover is available for
events occurring after the date of termination. ANZ will provide
accountholders with details of any replacement cover and its
relevant effective date.

3 
OTHER INSURANCES 
If you are entitled to receive a benefit or make a claim under
another insurance policy (Other Policy), in respect of the same
loss as your claim under the Group Policy, then, subject to the
provisions of the Insurance Contracts Act 1984 (Cth) Allianz is
not liable to provide indemnity under the Group Policy until the
amount of any indemnity under that Other Policy is exhausted.
In other words, any cover available under the Group Policy in
respect of the same loss shall only be excess insurance cover
over and above the applicable Other Policy.
If you make a claim under another insurance policy and you
are not paid the full amount of the claim, then, subject to
the provisions of the Insurance Contracts Act 1984 (Cth), the
cover available to you under the Group Policy will make up the
difference, to the extent of cover that applies, in accordance with
the terms and conditions contained in this booklet.
Should we make payment to you for the full amount of the
claim, we may seek contribution from your other insurer. In
such circumstances, you must give us any information that we
reasonably require to help us make a contribution claim from
the other insurer. 
LIMITATION OF COVER 
Regardless of anything contained in this Policy to the contrary,
we shall not be liable to provide any cover or benefit or pay
any claim where the provision of cover or benefit or payment
of claim would constitute a breach of any trade or economic
sanction, embargo, prohibition or restriction imposed by any
of the following: United Nations, United States of America,
Australia, European Union, United Kingdom, or New Zealand, or
any other applicable national trade or economic sanctions, laws
or regulations. This applies where such geographical location,
provision of goods, services or other reasons shall contravene
such sanction, embargo, prohibition or restriction. 
ELIGIBLE CARDS 
The complimentary insurance outlined in this booklet is available
to the eligible beneficiaries of the following credit cards:
•   ANZ Frequent Flyer Platinum
•   ANZ Frequent Flyer Black
•   ANZ Rewards Platinum
•   ANZ Rewards Travel Adventures
•   ANZ Rewards Black
•   ANZ Platinum

4 
ALLIANZ GLOBAL ASSISTANCE
PRIVACY NOTICE 
To offer or provide you with our insurance services, we, namely
AWP Australia Pty Ltd ABN 52 097 227 177 trading as ‘Allianz
Global Assistance’   and as agent for the insurer Allianz, collects,
stores, uses, and discloses your personal information including
sensitive information. The insurance cover arises from a Group
Policy taken out between your bank (ANZ) and Allianz and under
which you are entitled to cover as a beneficiary when you meet
the eligibility criteria set out in the Group Policy wording.
We usually collect your personal information directly from you,
but sometimes from others depending upon the circumstances.
For example, when you make a claim for cover, we may
collect your personal information from you, the Group Policy
holder (to check you have met eligibility requirements), your
family members and travel companions, as well as from third
parties that provide services including doctors, hospitals,
airlines, travel and accommodation providers, your agents and
representatives, our agents, and other service providers. We are
responsible for ensuring your personal information is used and
protected in accordance with applicable laws and regulations,
including the Privacy Act 1988 (Cth). We collect your personal
information to enable us to properly assess and manage your
insurance claim, and to provide the services we have agreed to
provide under the Group Policy. For example, we collect your
name, address, date of birth, email address, and sometimes
your medical information, bank account details, as well as other
information we collect through devices like ‘cookies’ when you
visit our website such as your IP address and online preferences.
We use your personal information to offer and provide our
services and to manage your and our rights and obligations in
connection with your claim. For instance, we use it to check,
process, and finalise your insurance claim. We may also use it
for product development, customer data analytics, research, IT
systems maintenance and development, recovery against third
parties, for the detection and investigation of fraud, and for
other purposes with your consent or where permitted by law.
We do not use your personal or sensitive information for
marketing purposes or provide that information to any third
parties for marketing.
Your personal information may be disclosed to third parties
(some of whom are data processors) who assist us to carry out
the above activities both inside and outside of Australia, such as
claims management providers, travel agents and intermediaries,
insurers, investigators, cost containment providers, medical
and health service providers, overseas data storage (including

5
‘cloud’ storage) and data handling providers, legal and other
professional advisers, your agents, your travel group leader if
you travel in a group, your bank (ANZ) if you are the beneficiary
of the bank’s credit card insurances, insurance reference
bureaux, and our related and group companies including
Allianz. Some of these third parties may be located in other
countries including in Europe, Asia, Canada, or the USA.
When you provide personal information to us about other
individuals, we rely on you to have first obtained the individual’s
consent, and to have made them aware of the matters set out
in this Privacy Notice.
You may also seek access to your personal data and ask us to
correct and update it. We will delete your personal data when
we no longer need it for a legitimate purpose.
You may not access or correct personal information of others
unless you have been authorised by their express consent, or
unless they are your dependants under 16 years of age.
If you have a request or complaint concerning your personal
information or about data privacy, please contact: The Privacy
Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD
4066, or email DataPrivacyAU@allianz-assistance.com.au.
You can also contact the Privacy Commissioner at the Office
of The Australian Information Commissioner, GPO Box 5288,
Sydney, NSW 2001 if you have a complaint.
For more information about our corporate privacy policy and
handling of personal information, including further details
about access, correction and complaints, please visit our
website at www.allianz-assistance.com.au and click on the
‘Privacy & Security’ link in the footer.
If you do not agree with the matters set out in our privacy
policy or will not provide us with the personal information we
request, we may not be able to provide you with our services
including the assessment and payment of any claims. In cases
where we cannot comply with your request concerning your
personal information, we will give you reasons why.

6 
DEFINITIONS 
There are some words in this booklet that have a special
meaning. When the following words and phrases appear in this
booklet they have the meanings given below. The use of the
singular shall also include the use of the plural and vice versa. 
Word   Meaning
accident
accidental
accidentally 
a sudden, unforeseen and unintended
event. 
accountholder   an ANZ customer, being an individual,
business entity or company, who has
entered into a card account with ANZ
and in whose name the card account
was opened. The accountholder is the
individual, business entity or company
that has contractual obligations with ANZ
under the card account. 
Allianz   Allianz Australia Insurance Limited, ABN 15
000 122 850, AFSL 234708. 
Allianz Global
Assistance 
AWP Australia Pty Ltd, ABN 52 097 227 177,
AFSL 245631. 
ANZ   Australia and New Zealand Banking Group
Limited, ABN 11 005 357 522, AFSL and
Australian credit licence No 234527. 
ANZ Credit
Card 
a current and valid:
•   ANZ Frequent Flyer Platinum; or
•   ANZ Frequent Flyer Black; or
•   ANZ Rewards Platinum; or
•   ANZ Rewards Travel Adventures; or
•   ANZ Rewards Black; or
•   ANZ Platinum. 
ANZ Black
Credit Card 
the following cards issued by ANZ:
•   ANZ Frequent Flyer Black; or
•   ANZ Rewards Black. 
ANZ Platinum
Credit Card 
the following cards issued by ANZ:
•   ANZ Frequent Flyer Platinum; or
•   ANZ Rewards Platinum; or
•   ANZ Rewards Travel Adventures; or
•   ANZ Platinum.

7 
card account   •   A current and valid ANZ Credit Card
facility provided by ANZ to which
purchases made by cardholders on an
ANZ Credit Card are charged; or
•   the primary account linked to an ANZ
Credit Card to which a transaction is
routed by any electronic funds transfer
facility. 
cardholder   a person who resides in Australia (including
holders of a visa issued under the Migration
Act 1958 (Cth) which entitles the holder of
the visa to residency), to whom ANZ has
issued an ANZ Credit Card (this includes
primary and additional cardholders). 
chronic   a persistent and lasting condition. It may
have a pattern of relapse and remission. 
concealed
storage
compartment 
a boot, trunk, glove box, enclosed centre
console, or concealed cargo area of a
vehicle. 
covered
breakdown 
the failure of a covered item to operate for
the purpose for which it was designed, as a
direct result of a breakdown or defect. This
does not include where the breakdown
or defect is covered by the terms of the
manufacturer’s warranty. 
covered item   an item acquired for personal, domestic or
household use but excludes:
•   items acquired for the purpose of sale
or trade;
•   animals or plant life;
•   boats, automobiles, motorboats,
motorcycles, airplanes or any other
motorised vehicles and their integral
parts and installed accessories;
•   computer software and other non-
tangible items;
•   cash, bullion, negotiable instruments,
vouchers, gift cards, securities, trading
cards, tickets of any description,
travellers cheques or collections such as
stamps, coins and cards;
•   consumable or perishable items
(including but not limited to food, drink,
drugs, cosmetics, fuel or oil);

8
•   manuscripts and books of account;
•   second-hand items including works of
art and antiques;
•   items of contraband;
•   real estate and movable fixtures or
fittings (including but not limited to
dish washers, stoves, ovens and fixed air
conditioners) which are or are intended
to form part of any home or real estate. 
dependant   •   your child (including step-child,
adopted child, foster child and child
you care for under a legal guardian
arrangement), not in full-time
employment who is aged under 25
years at the time that their eligibility for
cover is met; or
•   a person who is physically or mentally
incapable of self-support who the
cardholder has custody of and who lives
with the cardholder.
Dependant does not include any person
other than those listed. 
epidemic   an infectious disease that rapidly
spreads to a large number of people in a
community, population or region, that is
recognised or referred to as an epidemic
by the World Health Organisation (WHO)
or an official government authority. 
excess   the deduction we will make from the
amount otherwise payable for each
claimable incident or event. 
financial
default 
insolvency, bankruptcy, provisional
liquidation, financial collapse, appointment
of receivers, or any other form of insolvency
administration or the happening of
anything of a similar nature under the laws
of any jurisdiction. 
funeral
expenses 
the costs charged by a funeral director
for arranging a funeral service and by a
cemetery for a burial or a crematorium for
a cremation. It does not include the cost
of memorialisation or any other costs.

9 
Group Policy   an insurance policy on the terms and
conditions set out in this booklet, issued
by Allianz Global Assistance on behalf of
the Insurer Allianz to ANZ, under which
the Insurer, by operation of section 48
of the Insurance Contracts Act, provide
insurance cover benefits for ANZ
cardholders (including spouses and/or
dependant/s) as third party beneficiaries
(as that term is defined in the Insurance
Contracts Act). 
home   the place where you normally live in
Australia. 
hospital   an established hospital registered under
any legislation that applies to it, that
provides in-patient medical care. It does
not include any institution used primarily
as a nursing or convalescent home, or
a place for the treatment of alcoholism,
drug addiction or substance addiction. 
income   the amount of money you earn from
your employment in a trade, business,
profession or occupation after the
deduction of income tax. 
injure
injured
injury 
bodily injury caused solely and directly
by violent, accidental, visible and external
means, which happens at a definite time
and place during the period of cover
available and does not result from any
illness, sickness or disease. 
journey   travel which begins when you leave home
or your place of business to commence
your travel and ends when you arrive
back home or at a hospital or nursing
home in Australia (if you are evacuated or
repatriated), whichever happens earlier. 
manufacturer’s
warranty 
the manufacturer’s written warranty,
properly registered with the manufacturer,
that is applicable and able to be fulfilled
within Australia.

10 
medical
adviser 
a doctor, a clinical psychologist or a dentist,
who is not you, your travel companion
or a relative or an employee of you, your
travel companion or a relative, holding
the necessary certification for the country
in which they are currently practicing
and qualified to give the diagnosis being
provided. 
medical
expenses 
reasonable expenses incurred for:
•   medical, paramedical or surgical
treatment and other treatment given or
prescribed by a medical adviser; or
•   ambulance or hospital charges; or
•   dental treatment arising as a result of
an injury. 
mental illness   any illness, condition or disorder listed in
the current edition of the Diagnostic and
Statistical Manual of Mental Disorders
(Used by clinicians and psychiatrists to
diagnose psychiatric illnesses. Consult your
medical advisor for more information). 
motorcycle   any two-wheeled or three-wheeled motor
vehicle. 
natural
disaster 
any event or force of nature that has
catastrophic consequences, such as
avalanche, earthquake, flood, bush fire,
hurricane, tornado, cyclone, tsunami and
volcanic eruption, but not epidemics or
pandemics. 
overseas   outside of Australia and its territories, and
includes when you are aboard a foreign
registered cruise vessel in Australian
territorial waters. 
pandemic   an epidemic that spreads to multiple
countries, continents, or worldwide, that
is recognised or referred to as a pandemic
by the World Health Organisation (WHO)
or an official government authority. 
permanent
disability 
permanent loss of all the sight in one or
both eyes, or the use of a hand at or above
the wrist or a foot at or above the ankle.

11 
pre-existing
medical
condition 
a condition of which a reasonable person
in the circumstances, should have been
aware at the time eligibility for the cover
available was met, including:
•   any dental condition; or
•   any physical condition; or
•   pregnancy; or
•   any lifelong illness; or
•   any chronic illness; or
•   any mental illness; or
•   any current or previously treated cancer,
or
any condition which, in the last two years:
•   was treated by surgery (including day
surgery); or
•   required regular medication; or
•   required on-going treatment; or
•   was referred to a specialist medical
adviser; or
•   had regular reviews or check-ups; or
•   caused admission to hospital; or
•   was treated at a hospital emergency
department or out-patient clinic. 
pregnancy-
related 
arising from or directly connected with
the process and changes in a mother
resulting from a developing foetus. It
covers the mother and foetus, as per
the limits and conditions of cover set
out in this policy, when either requires
emergency medical care. 
proof of
ownership and
value 
receipts, invoices, valuations, and other
documents directly showing ownership
and value. Where direct proof of
ownership or valuation is not reasonably
available to the insured and depending
upon the value and nature of the claim, it
can include statutory declarations or other
information which show the insured is
most likely the owner. 
quad bike   a motorised vehicle designed to travel
on four or more wheels, having a seat
straddled by the operator and handlebars
for steering control.

12 
reasonable   •   for covered medical, hospital or dental
expenses – at the standard level of care
given in the country you are in but not
exceeding that provided through the
public hospital system in Australia;
•   for covered booking and travel-related
expenses – a level comparable to those
you have booked for the rest of your
journey. If no similar booked travel
arrangements or for covered expenses
of relatives, a level that is appropriate
and moderate in the circumstances, not
extravagant;
•   for covered funeral expenses – a level
that in the circumstances is moderate,
not premium;
•   for situations where we ask you to do
something such as to assist us, or to
provide documents or information,
or to take reasonable care or to make
reasonable efforts - to the extent that is
practically achievable by you and within
your control or ability using ordinary
efforts;
•   for reasonable medical advice - advice
provided by a doctor or other medically
qualified practitioner experienced in the
medical issue in question and engaged
either on your behalf or on our behalf to
provide medical advice;
•   for legal costs or expenses - the usual
or normal legal costs and expenses
incurred in defending or settling a claim,
including engaging a mid-tier firm of
lawyers, their reasonable disbursements
etc, not extravagant;
•   for conduct, acts or knowledge of
‘a reasonable person’ - what would
be expected of an average person in
the circumstances having regard to
common community standards and
fairness, and achievable by the insured
through normal endeavours;
•   for any other circumstances - what
is reasonable in the circumstances,
having regard to common community
standards, and fairness.

13 
Reciprocal
Health Care
Agreement 
an agreement between the Government of
Australia and the government of another
country where Australian residents are
provided with subsidised essential medical
treatment. (Please visit www.dfat.gov.au for
details of Reciprocal Health Care Agreements
with Australia). 
relative   •   spouse, fiance, fiancee;
•   parent, parent-in-law; step parent,
guardian; grandparent;
•   child, grandchild, step child, foster child,
ward;
•   brother, half brother, step brother,
brother-in-law, sister, half sister, step
sister, sister-in-law;
•   daughter-in-law, son-in-law; or
•   uncle, aunt, niece, nephew.
Relative does not include any other
person. 
rental vehicle   a campervan/motorhome that does
not exceed 4.5 tonnes, a sedan, coupe,
hatchback, station-wagon, SUV, four wheel
drive or mini bus/people mover rented
from a licensed motor vehicle rental
company or agency. Rental vehicle does
not include any other vehicle irrespective
of type or weight. 
return
domestic flight
ticket 
a flight ticket to and from a destination in
Australia and its territories on a scheduled
commercial passenger airline. 
return
overseas travel
ticket 
an air or cruise ticket departing from and
returning to Australia. 
sick, sickness   a medical condition (including a mental
illness), not being an injury, the signs or
symptoms of which first occur or manifest
during the period of cover available. 
special event   a wedding, funeral, conference, 25th
or 50th wedding anniversary, pre-paid
sporting event, pre-paid concert, pre-paid
cruise or pre-paid tour which before you
left Australia you had planned to attend.
Special event does not include any other
event.

14 
sporting
equipment 
equipment needed and used to
participate in a particular sport and which
can be carried about with you. 
spouse   the partner of the cardholder who is
in a permanent relationship with the
cardholder at the time the journey starts. 
transaction
card 
a debit card, credit card or travel money
card. 
transportation   a commercial airline aircraft, vehicle, taxi,
train, ride share, bus or short-haul ferry
(but not a cruise ship) that is licensed or
authorised to carry fare-paying passengers.
Transportation does not include any
other means of transport including light
aircraft or hot air balloons (whether
licensed or not) or hire vehicles under the
control of the insured. 
travel
companion 
a person with whom you made
arrangements before the journey began,
to travel with you for at least 50% of the
period of cover available for your journey.
Travel companion does not include any
other person. 
valuables   jewellery, watches, precious metals or
semi-precious stones/precious stones
and items made of or containing
precious metals or semi-precious
stones/precious stones, furs, binoculars,
telescopes, computer games, any kind
of photographic, audio, video, computer,
television, fax and phone equipment
(including mobile phones), tablets, MP3/4
players and PDAs. 
we, our, us   Allianz Australia Insurance Limited, ABN 15
000 122 850, AFSL 234708 and its agent
AWP Australia Pty Ltd, ABN 52 097 227
177, AFSL 245631 trading as Allianz Global
Assistance. 
you, your,
yourself 
accountholder, cardholder, spouse or
dependants if they are eligible for the
cover available.

15 
INTERNATIONAL TRAVEL
INSURANCE (FOR PEOPLE AGED
UNDER 81 YEARS) 
PART A - ELIGIBILITY FOR COVER
WHO IS ELIGIBLE? 
As a cardholder with an ANZ Credit Card you are eligible for the
cover available under this International Travel Insurance when
you meet all of the following criteria:
1.   you reside in Australia or are the holder of a visa issued
under the Migration Act 1958 (Cth) which entitles you to
residency;
2.   before leaving Australia you spend at least $250 on your
prepaid travel costs (i.e. your travel costs that you pay for
before leaving Australia) and you charge these costs (e.g.
cost of your return overseas travel ticket; and/or airport/
departure taxes; and/or your prepaid overseas
accommodation/ travel; and/or your other prepaid overseas
itinerary items) to the accountholder’s card account;
3.   you have a return overseas travel ticket before leaving
Australia; and
4.   you are aged under 81 years at the time you become
eligible for the cover available by meeting conditions 1 to 3
listed above. 
WHO ELSE IS ELIGIBLE? 
If the cardholder becomes eligible for the cover available, a
spouse and/or dependant(s) also becomes eligible, when each of
them individually meets all of the following eligibility criteria:
1.   the spouse and/or dependants reside in Australia or are
the holder of a visa issued under the Migration Act 1958
(Cth) which entitles them to residency; and
2.   each spouse and/or dependant is travelling with the
cardholder for at least 50% of the period of cover available to
the cardholder for the cardholder’s overseas journey; and
3.   each spouse and/or dependant has a return overseas travel
ticket before leaving Australia; and
4.   each spouse and/or dependant is aged under 81 years at
the time they each become eligible for the cover available
by meeting conditions 1 to 3 listed above.
When a cardholder, spouse and dependant are travelling
together only one eligible person can claim the benefits
payable to a cardholder. The other eligible persons may
only claim as a spouse or dependant. For example, when a

16
spouse is also a cardholder, if they do not meet the eligibility
requirements as a cardholder they can only claim as a spouse,
not a cardholder. 
DEPENDANTS UNDER THE AGE OF TWO YEARS
AT THE DATE THE JOURNEY COMMENCES 
If a cardholder satisfies the eligibility criteria set out above,
their dependant(s) under the age of two years as at the date
the journey commences is eligible for the cover provided
the dependant is travelling with the cardholder for at least
50% of the period of cover available to the cardholder for the
cardholder’s overseas journey.
No cover is available for dependants born on the journey. Refer
to the Pregnancy section in Part E - The Cover Available. 
PART B - PERIOD OF COVER 
If you have met all the criteria listed under Part A - Eligibility for
Cover before leaving Australia, the following maximum period
of cover is available for your journey. 
Period of Cover 
Up to six (6) consecutive months for ANZ Black Credit
Card cardholders, their spouses and/or dependants. Up to
three (3) consecutive months for ANZ Platinum Credit Card
cardholders, their spouses and/or dependants.
The maximum period of cover available for your journey cannot
be extended by you.
The period of cover available under Section 2.1 Cancellation
begins on the date you become eligible by meeting the criteria
set out in Part A - Eligibility for Cover.
Provided you meet the eligibility criteria set out in Part A -
Eligibility for Cover, the period of cover available for all other
insured events commences when you leave your home to start
your journey or on the departure date shown on your return
overseas travel ticket, whichever occurs later.
Cover available under all sections ends when the first of the
following occurs:
•   when you return to your home; or
•   when you arrive at a hospital or nursing home in Australia (if
you are evacuated or repatriated); or
•   at midnight on the date when you are due to return to your
home as shown on your return overseas travel ticket; or
•   six (6) consecutive months for ANZ Black Credit Card
cardholders, their spouses and/or dependants or three
(3) consecutive months for ANZ Platinum Credit Card

17
cardholders, their spouses and/or dependants after the date
of departure shown on your return overseas travel ticket; or
•   when you cancel your return overseas travel ticket.
If you have a return overseas travel ticket and during your period
of cover your return to Australia is delayed due to an event that is
covered under this policy, or because your scheduled means of
transport is delayed for reasons beyond your control:
•   the period of cover available will automatically be extended
by us for up to four (4) consecutive weeks; or
•   if you are under the care of a medical adviser overseas who
certifies in writing that you are incapable of travel at the
end of the additional four (4) consecutive weeks, cover will
continue for expenses and evacuation for up to twelve (12)
consecutive months from the date of your departure from
Australia; or
•   until you are medically fit to return to Australia. The cover
will end on the date that Allianz Global Assistance would
have been able to reasonably facilitate your return to
Australia, provided this falls within twelve (12) consecutive
months from the date of your departure from Australia. 
PART C - BENEFITS LIMITS 
The table below sets out the amounts and maximum limits
of what we will pay under each section of International Travel
Insurance. All limits and sub-limits in the table are shown in
Australian dollars.
The cover available is outlined in Part E - The Cover Available
and is subject to the applicable terms, conditions, exclusions,
limits and applicable sub-limits. The cover described in the
table below is a summary only.
All costs and expenses claimed must be necessary and
reasonable. 
Section   Limit
1.1   Overseas Emergency
Assistance (including
medical evacuation
and repatriation) 
$20 million 
1.2   Overseas Emergency
Medical 
$20 million

18 
Section   Limit
1.3   Overseas Emergency
Dental (spontaneous
toothache) 
Up to a maximum total limit
of $2,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
1.4   Hospital Cash
Allowance 
$75 per person per day up
to a maximum total limit
of $8,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
1.5   Accidental Death   $50,000 per cardholder
$50,000 per spouse
$25,000 per dependant
up to a maximum total limit
of $150,000 
1.6   Funeral Expenses   Up to a maximum total limit
of $25,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
1.7   Loss of Income   Your verified income per
week, up to a maximum
total limit of $10,000 each
for a cardholder or spouse.
No cover is available for
dependants. 
1.8   Assault requiring
Hospital Admission 
$500 per person 
1.9   Permanent Disability   $50,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
2.1   Cancellation   Up to a maximum total limit
per cardholder or spouse
of $20,000 (dependants
are included in the limit
available to the cardholder
or spouse) except:

19 
Section   Limit
2.1.1b] Travel agents
cancellation fees 
Up to $2,000 or the level of
commission or service fee
earned on the booking by
the travel agent, whichever
is the lesser. 
2.1.1d] Rescheduling
your journey 
Up to $75 per day, up to a
maximum total limit of $500
per person for reasonable
additional meal costs.
Up to a maximum total
limit of $250 per person
for reasonable internet use
and telephone expenses to
reschedule your journey. 
2.2   Withdrawal of Services   Up to $50 per person per 24
consecutive hours, up to a
maximum total limit of $500
per cardholder or spouse.
Dependants are included
in the limit available to the
cardholder or spouse. 
3.1   Additional Expenses   Up to a maximum total limit
of $100,000 
3.2   Travel Delay Expenses   After six (6) consecutive
hours, up to $50 for
meals and $250 for
accommodation per 24
consecutive hours, up to
a maximum total limit
of $2,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
3.3   Alternative Transport
Expenses 
Up to a maximum total limit
of $2,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse.

20 
Section   Limit
3.4   Return Home &
Resumption of Journey
following the Death or
Hospital Admission of a
Relative 
Up to a maximum total limit
of $3,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
3.5   Domestic Pet
Accommodation 
Up to a maximum total
limit of $500 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
3.6   Emergency
Accommodation due
to Terrorism 
Up to $300 per person,
per day, up to a maximum
total limit of $3,000 per
cardholder or spouse.
Dependants are included
in the limit available to the
cardholder or spouse. 
3.7   Hijack   Up to a maximum total limit
of $10,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
4.1   Luggage   Up to a maximum total limit
of $12,000 per cardholder
or spouse, dependants
are included in the limit
available to the cardholder
or spouse, subject to the
following limits: 
4.1.1a] Stolen,
accidentally damaged
or permanently lost
covered items 
Up to $4,000 per item for
computers, cameras and
video cameras.
Up to $1,000 per item for
any other covered item,
including mobile phones. 
4.1.1b] Covered items
left in a vehicle during
daylight hours 
Up to a maximum total limit
of $5,000

21 
Section   Limit
4.1.1c] Valuables left in
a vehicle or checked-in
luggage 
No cover available, except
for the items described in
the circumstances under
4.1.1c] of Part E – The Cover
Available, which is limited
to the maximum item limits
in 4.1.1a]. 
4.2   Travel Documents, Transaction Cards & Travellers
Cheques
4.2.1a] Reissue or
replacement cost 
Up to a maximum total limit
of $3,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
4.2.1b] Fraudulent use   Up to a maximum total limit
of $3,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
4.3   Luggage Delay   Up to $500 after a delay of
10 consecutive hours, and
an additional $1,000 after
a delay of 72 consecutive
hours, up to a maximum
total limit of $1,500 per
cardholder or spouse.
Dependants are included
in the limit available to the
cardholder or spouse. 
4.4   Replacement Sporting
Equipment 
Up to a maximum total
limit of $200 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
5.1   Rental Vehicle Excess
5.1.1a] Rental vehicle
damage or theft 
Up to a maximum total limit
of $5,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse.

22 
Section   Limit
5.1.1b] Return of
rental vehicle 
Up to a maximum total
limit of $750 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
6.1   Personal Liability   Up to a maximum total limit
of $3,000,000 per event
for a cardholder or spouse.
Dependants are included
in the limit available to the
cardholder or spouse. 
6.2   Legal Expenses   Up to a maximum total limit
of $15,000 per cardholder
or spouse. Dependants
are included in the limit
available to the cardholder
or spouse. 
PART D - EXCESSES AND GENERAL
EXCLUSIONS
EXCESSES - WHAT YOU CONTRIBUTE TO A CLAIM 
You must pay the following excess amounts for each claim
made under the following covers even if a number of claims are
submitted on the one claim form. However If you make more
than one claim as the result of a single event, the highest excess
will apply but will only apply once. 
Section   Excess
amount
1.1   Overseas Emergency Assistance
(including Medical Evacuation and
Repatriation) 
Nil 
1.2   Overseas Emergency Medical   $500 
1.3   Overseas Emergency Dental
(spontaneous toothache) 
$500 
1.4   Hospital Cash Allowance   Nil 
1.5   Accidental Death   Nil 
1.6   Funeral Expenses   Nil 
1.7   Loss of Income   Nil

23 
1.8   Assault requiring Hospital Admission   Nil 
1.9   Permanent Disability   Nil 
2.1   Cancellation   $500 
2.2   Withdrawal of Services   Nil 
3.1   Additional Expenses   $500 
3.2   Travel Delay Expenses   Nil 
3.3   Alternative Transport Expenses   Nil 
3.4   Return Home & Resumption of Journey
following the Death or Hospital
Admission of a Relative 
Nil 
3.5   Domestic Pet Accommodation   Nil 
3.6   Emergency Accommodation due to
Terrorism 
Nil 
3.7   Hijack   Nil 
4.1   Luggage   $500 
4.2   Travel Documents, Transaction Cards &
Travellers Cheques 
Nil 
4.3   Luggage Delay   Nil 
4.4   Replacement Sporting Equipment   Nil 
5.1   Rental Vehicle Excess   Nil 
6.1   Personal Liability   Nil 
6.2   Legal Expenses   Nil 
GENERAL EXCLUSIONS 
The general exclusions below set out what is not covered. You
should read each section as they contain specific exclusions
that also apply. To the extent permitted by law, we do not cover
you for any loss, damage or expense caused by or arising from:
1.   your loss of enjoyment; loss of opportunity; loss of revenue;
loss of profits or loss of goodwill;
2.   you booking or taking travel against medical advice, travel
for the purpose of getting medical treatment or advice, or
travel taken after a medical adviser informs you that you are
terminally ill;
3.   your intentional self harm or your suicide or your attempted
suicide;
4.   your claim arises from, or is caused, or is contributed to, by

24
you being affected by any intoxicating liquor or drug to the
extent that your physical, or mental functions, or your
judgement are impaired, except a drug prescribed to you
by a medical adviser, and taken in accordance with their
instructions;
5.   any expense arising from or in any way related to:
•   regular or routine antenatal care;
•   childbirth at any gestation (except when arising from an
injury or sickness);
•   care of a newborn child;
•   the period after the end of the 26 th  week of your
pregnancy (the 26 th  week of your pregnancy is
calculated based on your estimated date of delivery as
confirmed in writing by your obstetrician);
•   pregnancy related sickness if you have had
complications in your pregnancy before you became
eligible for cover;
6.   you not following an advice or warning that a reasonable
person would have been aware of:
•   by the Australian government (when a ‘Reconsider your
need to travel’ or ‘Do not travel’ alert is in place), which
can be found on www.smartraveller.gov.au; or
•   which was published in a reliable mass media source.
7.   flying other than when you are travelling as a passenger in:
•   a fully licensed aircraft operated by an airline or charter
company; or
•   a regulated or licensed hot air balloon;
8.   your participation in any dangerous activities or your
exposure of yourself to danger during your journey unless
in an attempt to preserve your life or the life of another
person, such as:
•   scuba diving unless you hold an open water diving
certificate or are diving with a qualified and registered
diving instructor;
•   mountaineering or rock climbing requiring the use of
ropes and/or climbing equipment, racing (other than
amateur racing on foot), white water rafting, white water
boating, abseiling, parasailing, skydiving, hang gliding,
base jumping, bungy jumping, pot holing, canyoning,
caving, fire walking, running with the bulls, rodeo riding,
polo playing, hunting, shooting, archery, tobogganing,
water skiing, jet skiing, off-piste snow skiing, off-piste
snowboarding or snowmobiling;
•   quad bike or motorcycle riding during your journey
unless it involves you only driving a motorcycle, with an

25
engine capacity of 200cc or less, for which you hold a
valid motorcycle licence in Australia or a licence valid for
the country you are travelling in if your Australian licence
is not recognised in that country; or
•   any other similar activity that a reasonable person would
consider dangerous;
9.   any kind of training for, coaching or competing in any
sporting event where you are entitled to receive, or are
eligible to receive, an appearance fee, wage, salary or prize
money in excess of $1,000;
10.   your claim arises from, or is caused, or is contributed to by
an illegal or criminal act by you, your spouse, your
dependants or any other person acting with your consent
or under your direction;
11.   your participation as a crew member or pilot of any
transportation;
12.   you or your travel companion’s failure to obtain a visa, a
passport or a passport with a required minimum remaining
validity;
13.   the injury, illness or death of any person who is aged 81
years or over at the time you become eligible for cover
under International Travel Insurance;
14.   any interference with your travel plans by any government,
government regulation or prohibition or intervention or
official authority;
15.   changes in currency rates;
16.   your failure to take reasonable care such as failure to wear
appropriate safety equipment;
17.   any epidemic or pandemic, unless your claim relates to you
or your travel companion being positively diagnosed as
suffering a sickness recognised as an epidemic or pandemic
and cover is expressly included in the following sections:
•   1.1 Overseas Emergency Assistance
•   1.2 Overseas Emergency Medical
•   2.1 Cancellation
•   3.1 Additional Expenses;
18.   any act of war, whether war is declared or not, or from any
rebellion, revolution, insurrection or taking of power by the
military;
19.   a nuclear reaction or contamination from nuclear weapons
or radioactivity;
20.   biological and/or chemical materials, substances,
compounds or the like used directly or indirectly for the
purpose of harming or to destroy human life and/or create
public fear;

26
21.   providing cover or being liable to pay any claim or provide
any benefit under this policy to the extent that the
provision of such cover, payment of such claim or provision
of such benefit would constitute a breach of any trade or
economic sanction, embargo, prohibition or restriction
imposed by any of the following: United Nations, United
States of America, Australia, European Union, United
Kingdom, or New Zealand, or any other applicable national
trade or economic sanctions, laws or regulations. This clause
shall apply where such geographical location, provision of
goods, services or other reasons shall contravene such
sanction, embargo, prohibition or restriction. 
PART E - THE COVER AVAILABLE 
In order to be sure that you are covered under this policy where
reasonable, you should always call us for approval before you
incur certain expenses. If you do not, we will pay for expenses
incurred up to the amount we would have authorised had you
asked us first. 
EPIDEMICS AND PANDEMICS (SUCH AS COVID-19) 
If, during the period of cover available, you (including your
spouse and/or dependants who are eligible for cover) are
positively diagnosed as suffering a sickness recognised as an
epidemic or pandemic, such as COVID-19, cover is available to
you under the following sections:
•   1.1 Overseas Emergency Assistance
•   1.2 Overseas Emergency Medical
•   2.1 Cancellation
•   3.1 Additional Expenses
If, during the period of cover available, your travel companion
is positively diagnosed as suffering a sickness recognised as an
epidemic or pandemic, such as COVID-19, which impacts your
journey, cover is available to you under the following sections:
•   2.1 Cancellation
•   3.1 Additional Expenses
Terms, conditions, exclusions, limits and applicable sub-limits
apply. Please refer to Part D - Excesses and General Exclusions and
the exclusions set out in each of the above sections.
For example, you will not be covered if you are positively
diagnosed as suffering a sickness recognised as an epidemic or
pandemic while travelling against an advice or warning issued
by an Australian government and you did not take reasonable
care to avoid contracting the sickness (for example by delaying
travel to the country or part of the country referred to in the
warning), refer to General Exclusions 6 and 16 in Part D for more

27
information. Please note, this also applies even if the Australian
government has given you permission to travel or you fall under
a specific exemption where there is otherwise a travel ban in
place that prohibits you from travelling.
For all other sections and any other claim arising from, or related
to, epidemics or pandemics, there is no cover. 
PRE-EXISTING MEDICAL CONDITIONS 
Please ensure that you read the definition of pre-existing
medical condition in the section headed Definitions. The
definition makes reference to ‘a condition of which a reasonable
person in the circumstances should have been aware of’.
Reference to a reasonable person is a reference to what would
have been expected of an average person in the circumstances.
No cover is available for any claims arising from, related
to or associated with, your pre-existing medical condition
unlessAllianz Global Assistance has confirmed in writing to you
that the pre-existing medical condition causing your claim is
covered by the Group Policy.
If you have a pre-existing medical condition that is not covered,
we will not pay any claims arising from, related to or associated
with that condition. This means that you may have to pay for an
overseas medical emergency and any associated costs, which
can be prohibitive in some countries.
Before going overseas, you can apply for assessment of whether
your pre-existing medical condition is covered by the Group
Policy online or over the phone, by using the contact details
shown on the inside front cover of this booklet.
During assessment you must answer all of our questions
honestly and truthfully. If you do not answer all of our questions
honestly and truthfully, your pre-existing medical condition
may not be covered by the Group Policy and any confirmation
of cover issued may be invalid.
If after assessment, Allianz Global Assistance confirm to you that
your pre-existing medical condition is covered by the Group
Policy, you will need to pay an administration fee of $75 for
assessment by phone or online. After payment of any required
administration fee, Allianz Global Assistance will send you
written confirmation (for the period of cover available) if your
pre-existing medical condition is covered by the Group Policy.
This International Travel Insurance does not cover any claim
arising from the pre-existing medical conditions of your
relatives, travel companion or any other person.

28 
PREGNANCY 
This International Travel Insurance may not be adequate for
your needs if you are planning to travel beyond the 26th week
of your pregnancy.
No cover is available for a child born during the period of cover
available for your journey unless as a consequence of an injury
or sickness (occurring during the period of cover available).
If you are pregnant when you become eligible for cover, your
pregnancy will be defined as a pre-existing medical condition
however, any complications of your pregnancy arising from
injury or sickness occurring after you became eligible will be
covered by the Group Policy issued to ANZ except if you have
had complications in your pregnancy before you became
eligible for the cover available.
If you fall pregnant after you become eligible, you will be
entitled to the cover available arising from any complications of
your pregnancy caused by injury or sickness.
No cover is available for:
•   antenatal care;
•   childbirth at any gestation (except when arising from an
injury or sickness);
•   care of a newborn child;
•   any expenses related to your pregnancy arising after the
end of the 26 th  week of your pregnancy (the 26 th  week of
your pregnancy is calculated based on your estimated date
of delivery as confirmed in writing by your obstetrician);
•   pregnancy related sickness if you have had complications in
your pregnancy before you became eligible for cover.
These provisions apply whether you fall pregnant naturally or as
a result of medical assistance (such as, through IVF treatment).
Any pregnancy related expenses incurred during your journey
after the end of the 26th week of your pregnancy will not be
covered by this insurance.
As a guide to the cover available for pregnancy under
the Group Policy issued to ANZ, including limitations and
restrictions, please read through the table below.

29 
Your pregnancy   Outcome 
a]   You are not yet
pregnant however,
you are attempting
to become
pregnant or are
undergoing fertility
treatment. 
If you become pregnant after
you become eligible for cover,
cover is available for any
complication arising from an
injury or sickness. No cover is
available for the course of any
treatment you are undergoing
at the time your journey
commences.
b]   You will require
antenatal care
during the period
of cover for your
journey. 
No cover is available for
antenatal care.
c]   You are pregnant
and are
undergoing a
course of treatment
at the time your
journey begins. 
No cover is available for the
course of treatment you are
undergoing at the time your
journey commences. Cover is
available, for medical expenses
arising out of an injury. Cover
is available for complications
arising from sickness but not
if you have had complications
in your pregnancy before you
became eligible for the cover
available.
d]   You are injured or
become sick during
your journey and
give birth as a
consequence. 
Cover is available for medical
expenses incurred for the
treatment of your injury or
sickness and the childbirth
occurring as a consequence
of the injury or sickness.
However, no cover is available
for complications arising from
sickness or a childbirth resulting
from sickness if you have had
complications in your pregnancy
before you became eligible for
the cover available.
e]   You give birth
naturally during
the period of cover
available for your
journey. 
No cover is available either for
the childbirth or care of the
newborn child.

30 
Your pregnancy   Outcome 
f ]   You travel beyond
26 weeks gestation
and give birth
while you are still
overseas. 
No cover is available for the
childbirth, care of the newborn
child or any expenses related to
your pregnancy. 
EMERGENCY AND MEDICAL SERVICES WHILE
OVERSEAS 
Please call emergency services immediately if your condition
is life threatening. 
In the event of an emergency overseas, simply call Allianz
Global Assistance at any time on +61 7 3305 7465. Please note,
additional charges may apply for any calls made from mobiles,
public telephones or hotel rooms.
Allianz Global Assistance’s team of medical professionals
is available to you 24 hours a day, 7 days a week for advice
and assistance in the event of a medical emergency and any
associated problems which occur outside Australia.
Allianz Global Assistance has access to a worldwide team of
skilled doctors and medical professionals and provides the
following services:
•   Access to medical advisers for emergency assistance and
advice;
•   Emergency transportation to the nearest suitable hospital;
•   Emergency evacuation, if necessary;
•   If requested by you, your family in Australia will be advised
of your medical condition and be kept informed of the
situation;
•   Payment guarantees to hospitals for reasonable medical
expenses and cover verification;
•   Second opinions on medical matters;
•   Urgent message service and emergency travel planning. 
TRAVELLING OVERSEAS 
You do not have to tell us or ANZ that you will be travelling.
Provided you meet the eligibility criteria (see Part A - Eligibility
for Cover) and comply with the terms and conditions of this
insurance, you will be entitled to the benefits of the cover
available.
In the event of an emergency overseas, contact Allianz Global
Assistance using the contact details shown on the inside front
cover of this booklet. Allianz Global Assistance are available 24
hours a day, seven days a week.

31
You must take all reasonable precautions to safeguard
your belongings. For example, leaving your belongings
unsupervised, leaving them behind or walking away from them
in a place the public has access to encourages theft and are not
reasonable precautions.
You must take all reasonable steps to safeguard your own
safety and follow the advice and heed the warnings of any
government or government agency and any official body and
heed warnings broadcast in the mass media.
You should have access to this booklet with you when travelling
overseas as it contains important phone numbers and details of
the cover available, together with copies of your card account
statement to establish that you gained your eligibility for cover
in accordance with the criteria set out in the section headed
Part A - Eligibility for Cover.
In the event you wish to make a claim under the cover available
(especially if claiming whilst overseas), it will be necessary for
you or your agents to provide information to establish your
eligibility as reasonably requested by Allianz Global Assistance
or its agents. Without this information, a claim may be delayed
and it may not be possible for Allianz Global Assistance or
its agents to give approval for overseas medical attention or
assistance. 
SECTION 1.1 OVERSEAS EMERGENCY
ASSISTANCE (INCLUDING MEDICAL
EVACUATION AND REPATRIATION) 
Allianz Global Assistance will help you with any overseas
emergency (also see Emergency and Medical Services while
Overseas above).
You may contact Allianz Global Assistance 24 hours a day, seven
days a week. 
1.1.1 What we cover
Allianz Global Assistance will arrange 
If while overseas, during the period of cover available, you injure
yourself or become sick (including if you are positively diagnosed
as suffering a sickness recognised as an epidemic or pandemic,
such as COVID-19), provided the relevant injury or sickness
is covered by the Group Policy, Allianz Global Assistance will
arrange for the following assistance services:
a]   access to a medical adviser for emergency medical
treatment while overseas;
b]   any messages which need to be passed on to your family or
employer in the case of an emergency;
c]   provision of any written guarantees for payment under

32
Section 1.2 - Overseas Emergency Medical of medical
expenses incurred while overseas;
d]   advice and assistance with emergency travel planning. 
Medical Evacuation and Repatriation 
If while overseas during the period of cover available for your
journey, you injure yourself or become sick (including if you are
positively diagnosed as suffering a sickness recognized as an
epidemic or pandemic such as COVID-19), or require treatment
for a pre-existing medical condition and the relevant injury or
sickness or pre-existing medical condition is covered by this
Group Policy, Allianz Global Assistance will:
e]   pay the reasonable cost of your medical transfer or
evacuation if you must be transported to the nearest
hospital for emergency medical treatment overseas or be
brought back to your home on the reasonable advice of a
medical adviser; and
f ]   provide written guarantees for payment of reasonable
expenses for medical evacuation and repatriation. 
Personal Safety Evacuation 
If, during the period of cover available for your journey, after you
have arrived in a country or region, it becomes unsafe for you
to remain in that country or region because you are expelled
or declared persona non grata by local authorities or the
Australian Government Department of Foreign Affairs and Trade
recommends that certain categories of persons (which include
you) in that country or region should leave because of a:
•   security threat including civil unrest or political instability
(but not any act of war, whether war is declared or not,
or from any rebellion, revolution, insurrection or taking of
power by the military); or
•   natural disaster including but not limited to an earthquake,
cyclone, flooding or volcanic eruption,
then we will pay the cost of:
g]   evacuating you to the nearest place of safety (including the
cost of accommodation) up to the amount specified in Part
C – Benefit Limits. Please contact Allianz Global Assistance
for approval of these costs. Such approval will not be
unreasonably withheld or delayed; or
h]   returning you to your home limited to the amount specified
in Part C – Benefit Limits. Please contact Allianz Global
Assistance for approval of these costs. Such approval will
not be unreasonably withheld or delayed.

33 
1.1.2 What we exclude 
1.   To the extent permitted by law, we will not be responsible for
costs and expenses that you would not have incurred had
you followed reasonable medical advice. This includes any
subsequent medical, hospital or evacuation expenses incurred
when you did not follow the reasonable medical advice.
2.   To the extent permitted by law, we will not pay for any
expenses for medical evacuation or repatriation unless it has
first been approved by Allianz Global Assistance, for which
approval will not be unreasonably withheld or delayed.
Please contact Allianz Global Assistance to confirm approval
for these costs. Otherwise, we may reduce the amount
payabe for your claim to the extent we are prejudiced;
3.   To the extent permitted by law we will not pay for any
amounts relating to your Personal Safety Evacuation if: 
a]   your claim arises directly or indirectly from you violating
the laws or regulations of the country you are in; 
b]   you failing to obtain, maintain or produce to the authorities
in the country you are in any immigration permit, visa or
similar authorisation; 
c]   your claim arises directly or indirectly from any commercial
or contractual dispute; 
d]   any of the events that caused your evacuation were
in existence or had occurred, or the occurrence was
reasonably foreseeable before you entered the country or
region from which you were evacuated; or 
e]   the events that caused your evacuation were due to an act
or threat of terrorism. 
SECTION 1.2 OVERSEAS EMERGENCY MEDICAL 
1.2.1 What we cover 
Overseas medical expenses due to covered injury or sickness 
a]   If you injure yourself overseas or become sick (including
if you are positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic, such as COVID-19)
while overseas, during the period of cover available for your
journey, we will reimburse the reasonable medical expenses
you incur until you get back to Australia, provided that the
relevant injury or sickness is covered by this insurance. The
medical expenses must have been for treatment given or
prescribed by a medical adviser.

34 
Overseas medical expenses due to covered pre-existing
medical condition 
b]   If, while overseas during the period of cover available for
your journey, you require medical or hospital treatment for
a pre-existing medical condition:
•   that Allianz Global Assistance has confirmed in writing is
covered by the Group Policy; or
•   for which cover is available as specified in the section
headed Pre-Existing Medical Conditions,
we will reimburse you for the medical expenses for treatment
given or prescribed by a medical adviser, except for the cost of
medication you were on or the cost of a course of treatment
you were receiving at the time your journey began.
You must make every reasonable effort to keep your
medical expenses to a minimum.
If you are prevented from returning home because of a
sickness, injury or pre-existing medical condition that is
covered, we will only pay for medical expenses incurred
during the 12 consecutive month period after the sickness
was first diagnosed or the injury happened or the pre-
existing medical condition we agreed to cover required
treatment.
If, after assessment of your claim, the reasonable medical
advice is that you should return to Australia for treatment
and you do not agree to do so, we will pay you a reasonable
amount up to the limit shown in Part C - Benefit Limits - 1.2
Overseas Emergency Medical, which we consider to be
equivalent to:
•   your medical expenses incurred overseas to the date
that Allianz Global Assistance would have been able to
reasonably facilitate your return to Australia; plus
•   the reasonable amount it would cost to return you to
your home; plus
•   the non-refundable portion of unused travel and
accommodation arrangements you would have
incurred had you followed the reasonable advice of
Allianz Global Assistance.
You will then be responsible for any ongoing or additional costs
relating to or arising out of the event you have claimed for and
your cover for any additional events will end. 
1.2.2 What we exclude 
To the extent permitted by law, we will not pay for medical
expenses:
a]   that you would not have incurred had you followed the
reasonable advice of Allianz Global Assistance;

35
b]   if you have received care under a Reciprocal Health Care
Agreement;
c]   relating to dental treatment involving the use of precious
metals or for cosmetic dentistry;
d]   for dental treatment caused by or related to the
deterioration and/or decay of teeth;
e]   for preventative dental treatment;
f ]   any payment which would result in us contravening
the Health Insurance Act 1973 (Cth), the Private Health
Insurance Act 2007 (Cth) or the National Health Act 1953
(Cth) or any other applicable legislation (whether in
Australia or not).
g]   arising from a pre-existing medical condition of any person
including you, your travel companion or a relative except:
•   as provided in your medical terms letter for your pre-
existing medical condition if Allianz Global Assistance
confirmed cover.
h]   when you have not notified Allianz Global Assistance as soon
as reasonably practicable of your admittance to hospital;
i]   incurred after two consecutive weeks treatment by a
chiropractor, physiotherapist or dentist, unless approved by
Allianz Global Assistance. 
SECTION 1.3 OVERSEAS EMERGENCY DENTAL
(SPONTANEOUS TOOTHACHE) 
1.3.1 What we cover 
If during the period of cover available for your journey, you suffer
sudden and acute pain (spontaneous toothache) to natural
teeth that is not an injury or sickness covered under Section 1.2
- Overseas Emergency Medical, we will cover you for the cost of
necessary emergency dental treatment to treat the sudden and
acute pain, up to the limit specified in Part C - Benefit Limits - 1.3
Overseas Emergency Dental (Spontaneous Toothache). 
1.3.2 What we exclude 
To the extent permitted by law, we will not pay for expenses:
a]   if you have received care under a Reciprocal Health Care
Agreement;
b]   relating to dental treatment involving the use of precious
metals or for cosmetic dentistry;
c]   for dental treatment caused by or related to the
deterioration and/or decay of teeth;
d]   for preventative dental treatment; or
e]   arising from a pre-existing medical condition.

36 
SECTION 1.4 HOSPITAL CASH ALLOWANCE 
1.4.1 What we cover 
If during the period of cover available for your journey, you are
admitted to hospital overseas for a continuous period of more
than 48 consecutive hours as a result of an injury or sickness,
then we will pay you the benefit specified in Part C - Benefit
Limits - 1.4 Hospital Cash Allowance for each day in excess of 48
consecutive hours that you continue to be an hospital inpatient. 
1.4.2 What we exclude 
To the extent permitted by law we will not pay if you cannot
claim for medical expenses connected with the hospital
admission under Section 1.2 Overseas Emergency Medical. 
SECTION 1.5 ACCIDENTAL DEATH 
1.5.1 What we cover 
If, during the period of cover available for your journey;
a]   you are injured and you die because of that injury within 12
consecutive months of the injury; or
b]   something you are travelling on or in disappears, sinks or
crashes and your body is not found within 12 consecutive
months and you are presumed dead,
we will pay the benefit specified in Part C - Benefit Limits - 1.5
Accidental Death, to your estate. 
SECTION 1.6 FUNERAL EXPENSES 
1.6.1 What we cover 
If during the period of cover available for your journey
you die from a cause that is not excluded, we will pay for
your reasonable funeral expenses incurred overseas or the
reasonable cost of bringing your remains back to your home.
The maximum amount we will pay is specified in Part C - Benefit
Limits - 1.6 Funeral Expenses. 
1.6.2 What we exclude 
To the extent permitted by law, we will not pay for any expenses,
or any costs incurred in Australia except the reasonable cost of
transporting your remains from the inbound port or airport to
your home or nominated funeral home. 
SECTION 1.7 LOSS OF INCOME 
1.7.1 What we cover 
If you are a cardholder or a spouse and during the period of
cover available for your journey, you suffer an injury requiring
medical treatment overseas, and:

37
a]   because of the injury you become disabled; and
b]   the disablement continues for more than 30 consecutive
days from the date of your return to your home; and
c]   you are under the regular care of and acting in accordance
with the instructions or advice of a medical adviser who
certifies in writing that the disablement prevents you from
gainful employment; and
d]   as a result you lose all your income,
then we will pay your verified income per week up to the
maximum total limit shown in Part C - Benefit Limits - 1.7 Loss of
Income, starting from the 31st consecutive day after your return
to your home. 
1.7.2 What we exclude 
No cover is available for loss of income if you are a dependant. 
SECTION 1.8 ASSAULT REQUIRING HOSPITAL
ADMISSION 
1.8.1 What we cover 
If during the period of cover available for your journey, you
suffer an injury resulting from you being assaulted which
requires your hospital admission as an inpatient for treatment
we will pay you the benefit specified in Part C- Benefit Limits -
1.8 Assault Requiring Hospital Admission. 
Conditions 
If you want to claim under the cover available, you should to the
extent reasonably practical provide us with written advice from
your treating medical adviser specifying the nature of your injury;
and a police report detailing the circumstances of the assault as
this may be the easiest way to provide proof of your claim. 
SECTION 1.9 PERMANENT DISABILITY 
1.9.1 What we cover 
If, during the period of cover available, you suffer a permanent
disability being the permanent loss of all the sight in one or
both eyes, or the use of a hand at or above the wrist or a foot
at or above the ankle, we will pay you the benefit amount
specified in Part C – Benefit Limits – 1.9 Permanent Disability:
•   that causes you permanent disability within 12 consecutive
months of the occurrence of the injury; and
•   your permanent disability continues for at least 12
consecutive months; and
•   at the expiry of 12 consecutive months is, in the opinion
of an appropriate medical advisor, beyond hope of
improvement.

38 
SECTION 2.1 CANCELLATION 
2.1.1 What we cover 
If, during the period of cover available, your journey is cancelled,
disrupted or rescheduled because of circumstances that were
not expected or intended by you and are outside of your
control (including if you or your travel companion are positively
diagnosed as suffering a sickness recognised as an epidemic or
pandemic, such as COVID-19, which reasonably prevents you
from travelling), we will reimburse you: 
Unused travel and accommodation arrangements 
a]   The non-refundable portion of unused travel and
accommodation arrangements scheduled to be used during
the period of cover available for your journey, that you have
paid in advance of cancellation or disruption and cannot
recover in any other way, limited to the maximum total limit
specified in Part C - Benefit Limits - 2.1 Cancellation. 
Travel agent's fees 
b]   Your travel agent’s cancellation fees and any commission
or service fees retained by your travel agent, limited to the
amount of commission or service fees that your travel agent
would have earned had your journey not been cancelled or
the amount specified in Part C - Benefit Limits - 2.1.1a] Travel
agent's fees, whichever is the lesser. 
Frequent flyer, airmiles, loyalty card points & redeemable
vouchers 
c]   For the value of frequent flyer points, air miles, loyalty card
points, redeemable vouchers or other similar schemes
lost by you as a result of cancelling the services paid for or
obtained with those points, air miles, vouchers or schemes,
but only if you cannot recover your loss in any other way.
We calculate the amount we pay you, which is limited to
the maximum total limit specified in Part C - Benefit Limits -
2.1 Cancellation, as follows:
•   for frequent flyer points, air miles or loyalty card points: 
−   the cost of an equivalent booking based on the
same advance booking period as your original
booking less any payment you made toward the
booking, multiplied by 
−   the total number of points or air miles lost, 
−   divided by the total number of points or air miles
used to make the booking.
•   for vouchers, the face value of the voucher. If there is no
face value on the voucher we will pay the market value.

39 
Rescheduling your journey 
d]   Your reasonable costs of rescheduling your journey. The
most we will pay for rescheduling your journey is the
unrecoverable amount that would have been payable
under sub-sections 2.1.1 a], b] and c] had your journey been
cancelled. We will not pay a claim under sub-section 2.1.1d]
in addition to a claim under sub-sections 2.1.1a], b] and c]
for the same services/facilities.
If while on your journey, you have to reschedule your
journey, we will also pay you up to the maximum total limit
specified in Part C - Benefit Limits - 2.1.1d] Rescheduling
your journey for your reasonable additional meal, internet
and telephone costs necessary to rearrange your journey. 
Conditions 
If you want to claim under the cover available, you should
do the following as soon as reasonably possible after the
happening of the unexpected event causing your claim:
•   cancel any pre-arranged travel and accommodation
scheduled to be used during the period of cover available
for your journey that you are now unable to use; and
•   recover any refund that you are entitled to.
If you think that you may have to cancel your journey or shorten
your journey, you should tell us as soon as possible. For more
information, see under the heading Claims or call the contact
number shown on the inside front cover of this booklet.
If you unreasonably delay or fail to cancel your pre-arranged
travel and accommodation arrangements and we are
prejudiced by your delay or failure, we may reduce any amount
payable for your claim to the extent we are prejudiced.
If your claim is related to your fitness to travel, you should
provide us with written confirmation from a medical adviser. 
2.1.2 What we exclude 
To the extent permitted by law we will not pay your claim if:
a]   you were aware, or a reasonable person in your
circumstances would have been aware before you became
eligible for the cover available, of any reason that may cause
your journey to be cancelled, rescheduled or shortened;
b]   caused by you or your travel companion changing plans;
c]   arising from a pre-existing medical condition of any person
including you, your travel companion or a relative except
•   as provided in your medical terms letter for your pre-
existing medical condition if Allianz Global Assistance
confirmed cover.

40
d]   caused by financial default or financial collapse of a services
provider with whom you make a booking or the financial
default or financial collapse of any company, organisation or
person with whom they deal;
e]   caused by an act of terrorism. 
SECTION 2.2 WITHDRAWAL OF SERVICES 
2.2.1 What we cover 
If during the period of cover available for your journey:
•   all electrical and water facilities in your room; or
•   waiter service at meals; or
•   kitchen services where no food is served; or
•   all housekeeping services,
are withdrawn for 48 consecutive hours or more due to
unforeseeable circumstances at the pre-paid accommodation
that you are staying at during your journey, we will pay you the
benefit amount specified in Part C - Benefit Limits - 2.2 Withdrawal
of Services for each 24 consecutive hour period in excess of the
initial 48 consecutive hour period that the facilities or services are
withdrawn, up to the maximum total limit specified in Part C -
Benefit Limits - 2.2 Withdrawal of Services. 
Conditions 
If you want to claim under the cover available, you should
provide us with written confirmation from your pre-paid
accommodation provider of the cause and length of time the
facilities and/or services were withdrawn. 
SECTION 3.1 ADDITIONAL EXPENSES 
3.1.1 What we cover 
Additional travel & accommodation expenses due to your
incapacity 
a]   If you cannot continue your journey because of an injury
or sickness (including if you are positively diagnosed as
suffering a sickness recognised as an epidemic or pandemic,
such as COVID-19) that is covered by this insurance, which
occurs during the period of cover available for your journey
and needs immediate treatment from a medical adviser, we
will reimburse your reasonable additional accommodation
and travel expenses. 
Emergency travel & accommodation expenses for a
necessary companion 
b]   If during the period of cover available for your journey, you
are admitted to hospital suffering from a life threatening
or other serious condition covered by this insurance we

41
will reimburse the reasonable travel and accommodation
expenses for a relative or friend to travel to you, stay near
you or escort you. The relative or friend must travel to you,
stay near you or escort you on the written advice of your
treating medical adviser and with the prior written approval
of Allianz Global Assistance for which approval will not be
unreasonably withheld or delayed. Please contact Allianz
Global Assistance for approval of these costs. Otherwise we
may reduce the amount payable for your claim to the extent
we are prejudiced. 
Additional travel & accommodation expenses due to your
travel companion’s incapacity 
c]   If your travel companion cannot continue their journey
because of an injury or sickness (including if your travel
companion is positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic, such as COVID-19)
which occurs during the period of cover available for
your journey and which needs immediate treatment
from a medical adviser, we will reimburse your reasonable
additional accommodation and travel expenses for you to
remain with your travel companion. Please contact Allianz
Global Assistance for approval of these costs. No cover is
available for a claim arising from any pre-existing medical
condition of your travel companion. 
Expenses due to your repatriation or evacuation home 
d]   If during the period of cover available, you shorten your
journey and return to your home due to a covered event
on the advice of your treating medical adviser and with the
approval of Allianz Global Assistance, we will reimburse the
reasonable additional cost of your return to your home. You
must make use of any pre-arranged return travel to your
home. Please contact Allianz Global Assistance for approval of
these costs, such approval will not be unreasonably withheld
or delayed. Otherwise we may reduce the amount payable
for your claim to the extent we are prejudiced. 
Repatriation of dependants left without supervision 
e]   If your dependants are left without supervision following
your hospital admission or evacuation during the period of
cover available for your journey, we will pay the reasonable
additional travel and accommodation expenses incurred
to return them to Australia, including the travel and
accommodation expenses of an escort if agreed to by
Allianz Global Assistance. Please contact Allianz Global
Assistance for approval of these costs. Such approval will
not be unreasonably withheld or delayed.

42 
Additional travel & accommodation expenses due to
specified events 
f ]   In addition, if during the period of cover available a
disruption to your journey arises from:
•   your scheduled or connecting transport is cancelled,
delayed, rescheduled or diverted because of a strike, riot,
hijack, civil protest, weather, natural disaster or accident
affecting your mode of transport;
•   you unknowingly break any quarantine rule (but not a
quarantine rule applying to an epidemic or pandemic);
•   you lose your passport, travel documents or transaction
cards or they are stolen; or
•   your home being rendered uninhabitable by fire,
explosion, earthquake or flood,
we will reimburse your reasonable additional travel and
accommodation expenses. Please contact Allianz Global
Assistance for approval of these costs. Such approval will
not be unreasonably withheld or delayed.
Whenever claims are made by you under this section and Section
2.1 Cancellation for cancelled services/facilities or alternative
arrangements for the same or similar services/facilities, we will
pay for the higher of the two amounts, not both. 
3.1.2   What we exclude 
To the extent permitted by law, we will not pay your claim:
a]   if you were aware, or a reasonable person in your
circumstances would have been aware, of any reason, before
you became eligible for the period of cover available, that
may cause your journey to be cancelled, disrupted or delayed;
b]   arising from a pre-existing medical condition of any person
including you, your travel companion or a relative except:
•   as provided in your medical terms letter for your pre-
existing medical condition if Allianz Global Assistance
confirmed cover.
c]   if you can recover your additional travel and
accommodation expenses from someone else, for example,
an airline or tour provider;
d]   if caused by any service provider misappropriating your
funds or failing to arrange or provide services for which you
have paid;
e]   for cancellations, delays, rescheduling or diversions to your
scheduled or connecting transport unless it is due to a
strike, riot, hijack, civil protest, weather, natural disaster or
accident affecting your mode of transport;

43
f ]   if your claim arises directly or indirectly out of you operating
a rental vehicle in violation of the rental agreement. 
SECTION 3.2 TRAVEL DELAY EXPENSES 
3.2.1   What we cover 
If a delay to your journey, for at least 6 consecutive hours, arises
from circumstances outside your control during the period of
cover available, we will reimburse the cost of your reasonable
additional meals and accommodation expenses. We will pay up
to the amount specified in Part C - Benefit Limits - 3.2 Travel Delay
Expenses at the end of the initial 6 consecutive hour period. 
3.2.2   What we exclude 
We will not pay if a delay to your journey arises:
a]   from an act of terrorism; or
b]   due to the financial default or financial collapse of a services
provider with whom you make a booking or the financial
default or financial collapse of any company, organisation or
person with whom they deal. 
SECTION 3.3 ALTERNATIVE TRANSPORT
EXPENSES 
3.3.1   What we cover 
If during the period of cover available for your journey, your
journey is interrupted by any unforeseen and unexpected cause
outside of your control and that means you would not arrive at
a special event on time, we will pay your reasonable additional
travel expenses up to the amount specified in Part C - Benefit
Limits - 3.3 Alternative Transport Expenses to enable you to
arrive on time. 
3.3.2   What we exclude 
To the extent permitted by law, we will not pay if your scheduled
transport is cancelled, delayed, shortened or diverted:
a]   due to an act of terrorism; or
b]   due to the financial default or financial collapse of a service
provider with whom you make a booking or the financial
default or financial collapse of any company, organisation or
person with whom they deal. 
SECTION 3.4 RETURN HOME & RESUMPTION
OF JOURNEY FOLLOWING THE DEATH OR
HOSPITAL ADMISSION OF A RELATIVE 
3.4.1   What we cover 
a]   If, during the period of cover available for your journey,
your relative who is resident in Australia and who is aged

44
under 80 years at the time you become eligible for cover
dies unexpectedly or is hospitalised due to a serious
illness, injury or sickness diagnosed while on you are on
your journey, we will reimburse the reasonable additional
cost of your early return to your home. Where reasonably
practicable, please contact Allianz Global Assistance for
approval before incurring these costs, such approval will not
be unreasonably withheld or delayed. Otherwise, we may
reduce the amount payable for your claim to the extent we
are prejudiced.
b]   If during the period of cover available for your journey, you
return to your home because:
•   a relative of yours who is resident in Australia and who
is aged under 80 years at the time you become eligible
for cover dies unexpectedly or is hospitalised due to a
serious illness, injury or sickness diagnosed while on you
are on your journey; and
•   it is possible for your journey to be resumed; and
•   there is more than 14 consecutive days or 25%,
whichever is the greater, remaining of the period of
cover available for your journey, as noted on your return
overseas travel ticket; and
•   you resume your journey within 30 consecutive days of
your return to your home,
we will reimburse you for airfares for you to return to the
place you were when your journey was interrupted.
The most we will pay under this sub-section is up to the
limit shown in Part C - Benefit Limits - 3.4 Return Home &
Resumption of Journey following the Death or Hospital
Admission of a Relative. 
3.4.2   What we exclude 
We will not pay a claim under this section in addition to a claim
under Section 2.1 Cancellation for the same or similar services.
We will only pay the highest amount incurred by you, not both
amounts. 
SECTION 3.5 DOMESTIC PET ACCOMMODATION 
3.5.1   What we cover 
If your return home is delayed beyond the end date of the
period of cover available for your journey due to a covered
event that is not expected or intended by you and is outside
of your control, and you incur additional boarding kennel or
boarding cattery fees for domestic dogs or cats owned by you,
we will reimburse you for the additional fees you incur up to the
limit per day specified in Part C - Benefit Limits - 3.5 Domestic

45
Pet Accommodation up to the maximum total limit specified in
Part C - Benefit Limits - 3.5 Domestic Pet Accommodation. 
3.5.2   What we exclude 
To the extent permitted by law we will not pay if your delay is
due to an act of terrorism. 
SECTION 3.6 EMERGENCY ACCOMMODATION
DUE TO TERRORISM 
3.6.1   What we cover 
If, during the period of cover available for your journey, your
journey is delayed due to an act of terrorism we will reimburse
you for the reasonable additional cost of accommodation you
incur during the period of delay up to the amount per day
specified in Part C - Benefit Limits limited to the maximum total
limit specified in Part C- Benefit Limits. 
SECTION 3.7 HIJACK 
3.7.1   What we cover 
If, during the period of cover available for your journey, your
scheduled public transport that you are travelling on is hijacked
and you subsequently want to cancel your journey and return
home we will reimburse you for the reasonable additional travel
expenses you incur and the unrecoverable cost of prepaid travel
arrangements that you do not use limited to the maximum
total limit specified in Part C- Benefit Limits. 
SECTION 4.1 LUGGAGE 
You must take all reasonable precautions to safeguard your
covered items and your valuables. If you do not, we will not
pay your claim. For example, you will not be taking reasonable
precautions if you leave your belongings in a publicly accessible
location:
•   at such a distance from you that you are unable to prevent
them being taken; or
•   with a person who is not a travel companion or a relative
(or if these persons fail to take all reasonable precautions to
safeguard your covered items or valuables).
This includes forgetting or misplacing any items, leaving them
behind or walking away from them. 
4.1.1   What we cover 
a]   If, during the period of cover available for your journey, the
following covered items or valuables:
•   baggage, clothing or personal valuables;
•   portable electrical equipment, laptop computers and

46
associated equipment/accessories, binoculars, cameras
and associated equipment/accessories;
are stolen, accidentally damaged or are permanently lost,
except when:
•   left in a vehicle (see sub-section 4.1.1 b] below); or
•   are valuables left in a vehicle or checked in to be
transported in the cargo hold of any aircraft, ship, train,
tram or bus (see sub-section 4.1.1 c] below).
The amount we will pay will be the lesser of:
•   the depreciated value after allowing for age, wear and
tear (see the Depreciation section for details);
•   the original purchase price;
•   the replacement cost; or
•   the repair cost.
We will not apply depreciation to any item we pay for
where less than 12 consecutive months have elapsed since
the item was purchased new.
The maximum amount we will pay for any item is:
•   up to the item limit specified in Part C - Benefit Limits -
4.1 Luggage   for personal computers, video recorders or
cameras;
•   up to the item limit specified in Part C - Benefit Limits -
4.1 Luggage   for all other items.
A pair or related set of items, for example (but not limited to):
•   a camera, lenses (attached or not), tripod and
accessories;
•   a matched or unmatched set of golf clubs, golf bag and
buggy; or
•   a matching pair of earrings,
are considered as only one item for the purpose of this cover,
and the appropriate single item limit will be applied.
For the avoidance of any doubt, cover is provided for:
•   theft of, accidental damage to, or permanent loss of
dentures or dental prostheses whilst you are not wearing
them;
•   theft of, accidental damage to, or permanent loss of your
covered items (except valuables) while they are left in a
locked storage facility and there is forced entry into the
locked storage facility;
•   the cost of medical consultation fees you incur to
replace prescription medication which is accidentally
lost, stolen or accidentally damaged, together with the
replacement cost of the medication.

47
b]   Covered items specified in 4.1.1a] that are left in a vehicle
during the period of cover provided for your journey are
only covered during daylight hours and must have been
left in a concealed storage compartment of a locked
vehicle, and in the event of theft forced entry must have
been made. The most we will pay is up to the total amount
specified in Part C - Benefit Limits - 4.1.1b] Luggage for all
covered items stolen from a locked vehicle.
c]   No cover is available for valuables left in a vehicle at any
time or valuables checked in to be transported in the cargo
hold of any aircraft, ship, train, tram or bus including any
loss from the point of check in until collection by you from
the baggage carousel or collection area at the end of your
flight, voyage or trip. However, cover will be available for
loss, theft or accidental damage to laptops, tablets and
mobile/smartphones when (without prior notice) you are
directed by the airline with whom you have a flight booking
to place the laptop, tablet or mobile/smartphone into
your checked in baggage or overhead cabin locker for the
duration of your flight. The most we will pay is up to the
item limits specified in Part C - Benefit Limits - 4.1.1a]. 
Conditions 
If you make a claim, you will need to provide proof of your
ownership and the value of your belongings. Examples of proof
include receipts and/or valuations (e.g. receipt or valuation for
jewellery).
If you cannot prove the value of the items, the most we will pay
for each individual item is 10% of the limit shown for that type
of item in the Part C - Benefit Limits - 4.1 Luggage.
Where reasonably practical, we expect you to report any loss or
theft to the police or an office of the bus line, airline, shipping
line or rail authority you were travelling on when the loss or
theft occurred.
You should make reasonable efforts to obtain confirmation
from whoever you made the report to as this may be the easiest
way to provide evidence of the loss or theft. If you unreasonably
delay or fail to make a report and we are prejudiced by your
delay or failure, we may reduce the amount payable for your
claim to the extent we are prejudiced.
If you are entitled to be reimbursed by the bus line, airline,
shipping line or rail authority you were travelling on when the
loss, theft, misplacement or damage occurred we will deduct
the amount you are entitled to from any claim payable by us.
However, if you are not reimbursed the full amount of your loss,
we will pay the difference between the amount of your loss
and what you were reimbursed, up to the limit of the cover
available.

48 
4.1.2   What we exclude 
To the extent permitted by law, we will not pay a claim in
relation to your covered items and valuables if:
a]   the loss, theft or damage is to, or of, covered items or
valuables left behind in any hotel or motel room after you
have checked out, or items left behind in any aircraft, ship,
train, tram, taxi or bus;
b]   the covered items or valuables were being sent
unaccompanied by you or under a freight contract;
c]   the loss or damage arises from any process of cleaning,
repair or alteration;
d]   the loss or damage arises from ordinary wear and tear,
deterioration, atmospheric or weather conditions, insects,
rodents or vermin;
e]   the covered item or valuable disappears in circumstances
that cannot be explained to our reasonable satisfaction;
f ]   your claim arises from a government authority confiscating,
detaining or destroying anything;
g]   you do not take all reasonable precautions to safeguard
your covered items or valuables. For example, you will
not be taking reasonable precautions if you leave your
belongings in a publicly accessible location:
•   at such a distance from you that you are unable to
prevent them being taken; or
•   with a person who is not a travel companion or a relative
(or if these persons fail to take all reasonable precautions
to safeguard your covered items or valuables).
This includes forgetting or misplacing any items, leaving
them behind or walking away from them;
h]   the covered item or valuable has an inherent defect or an
electrical or mechanical breakdown;
i]   the covered item or valuable is fragile or brittle or is an
electrical component and is broken unless the breakage
was caused by theft, fire or an accident involving a vehicle
in which you were travelling; or
j]   the loss or damage arises from scratches occurring to lenses
or screens of covered items or valuables however caused;
k]   the covered items were sporting equipment that were
damaged during use.

49 
SECTION 4.2 TRAVEL DOCUMENTS,
TRANSACTION CARDS & TRAVELLERS
CHEQUES 
4.2.1 What we cover 
If during the period of cover available for your journey: 
Re-issue or replacement cost 
a]   any essential travel documents (including passports),
transaction cards or travellers cheques are lost by you,
stolen from you or destroyed, then we will pay the issuer’s
fees or the replacement costs (including communication
costs) of the items lost, stolen or destroyed. 
Fraudulent use 
b]   your transaction cards or travellers cheques are lost or
stolen, then we will pay for any loss resulting from the
fraudulent use of the transaction cards or travellers cheques.
The most we will pay is up to the limit specified in Part C -
Benefit Limits - 4.2 Travel Documents, Transaction Cards &
Travellers Cheques. 
Conditions 
Where reasonably practical, we expect you to report any loss
or theft to the police and, in the case of transaction cards
or travellers cheques, to the issuing bank or company in
accordance with the conditions under which the transaction
cards or travellers cheques were issued.
You should make reasonable efforts to obtain confirmation
from whoever you made the report to as this may be the easiest
way to provide evidence of the loss or theft. If you unreasonably
delay or fail to make a report and we are prejudiced by your
delay or failure, we may reduce the amount payable for your
claim to the extent that we have been prejudiced. 
4.2.2 What we exclude 
To the extent permitted by law, we will not pay:
a]   if your loss arises from your failure to comply with the
recommended security guidelines for the use of travellers
cheques or transaction cards; or
b]   for any amounts covered by any guarantee given by the
bank or issuing company to you as the holder of the
transaction cards or travellers cheques. 
SECTION 4.3 LUGGAGE DELAY 
4.3.1 What we cover 
If during the period of cover available for your journey any of
your covered items are delayed, misdirected or misplaced by the

50
carrier for more than 10 consecutive hours, we will reimburse
you for the reasonable costs you incur for you to purchase
essential items of clothing or other personal items, up to the
amount specified in Part C - Benefit Limits - 4.3 Luggage Delay. 
Conditions 
You should make reasonable efforts to obtain confirmation
from the carrier who was responsible for your covered items
confirming that your items were delayed, misdirected or
misplaced as this may be the easiest way to provide evidence of
the delay.
We will deduct any amount we pay you under this section from
any subsequent claim you make for lost covered items payable
under Section 4.1 Luggage.
If you are entitled to be reimbursed by the bus line, airline,
shipping line or rail authority you were travelling on when the
loss, theft, misplacement or damage occurred we will deduct
the amount you are entitled to from any claim payable by us.
However, if you are not reimbursed the full amount of your loss,
we will pay the difference between the amount of your loss and
what you were reimbursed, up to the limit of cover available. 
SECTION 4.4 REPLACEMENT SPORTING
EQUIPMENT 
4.4.1 What we cover 
If during the period of cover available for your journey any of
your sporting equipment is delayed, misdirected, misplaced or
accidentally damaged by the carrier (except on the leg of your
journey to your home) we will reimburse you for the reasonable
costs you incur for you to hire replacement sporting equipment,
up to the amount specified in Part C - Benefit Limits - 4.4
Replacement Sporting Equipment. 
Conditions 
You should make reasonable efforts to obtain confirmation
from the carrier who was responsible for your covered
items confirming that your items were delayed, misdirected,
misplaced or accidentally damaged as this may be the easiest
way to provide evidence of the delay.
We will deduct any amount we pay you under this section from
any subsequent claim you make for lost covered items payable
under Section 4.4 Luggage.
If you are entitled to be reimbursed by the bus line, airline,
shipping line or rail authority you were travelling on when the
loss, theft, misplacement or damage occurred we will deduct
the amount you are entitled to from any claim payable by us.
However, if you are not reimbursed the full amount of your loss,

51
we will pay the difference between the amount of your loss and
what you were reimbursed, up to the limit of cover available. 
SECTION 5.1 RENTAL VEHICLE EXCESS 
Cover is only available if your rental vehicle agreement specifies
an amount that is payable in the event the rental vehicle is
damaged or stolen while in your custody.
This section does not cover items such as, but not limited to,
tyres and/or windscreens, roof and underbody if they are not
covered by the indemnity provided by the rental company
or agency under the rental vehicle agreement to which the
amount payable applies. 
5.1.1 What we cover 
Rental vehicle damage or theft 
a]   If, during the period of cover available, a rental vehicle you
have rented from a rental company or agency is:
•   involved in a motor vehicle accident while you are
driving it; or
•   damaged or stolen while in your custody,
then we will pay you the lesser of:
•   property damage for which you are liable; or
•   the amount specified that you must pay under your
rental vehicle agreement; or
•   the limit shown in Part C - Benefit Limits - 5.1.1a] Rental
vehicle damage or theft. 
Return of rental vehicle 
b]   If, during the period of cover provided you are injured or
become sick and your treating medical adviser certifies in
writing that you are incapacitated and unable to return your
rental vehicle to the rental company, we will pay you up to
the amount specified in Part C - Benefit Limits - 5.1.1b] Return
of rental vehicle for the cost you incur to return your rental
vehicle to the nearest depot of the rental company. 
Conditions 
To support your claim, you will need to take reasonable steps to
provide us with a copy of:
•   your rental vehicle agreement;
•   the incident report that was completed;
•   written confirmation from the rental company or agency of
the amount for which you are liable.
You may also need to provide:
•   the repair account and invoice from the motor vehicle
repairer (if available to you); and

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•   an itemised list of the value of the damage. 
5.1.2 What we exclude 
To the extent permitted by law, we will not pay if your claim
arises directly or indirectly from, or is in any way connected
with, or is for:
a]   you using the rental vehicle in breach of the rental
agreement;
b]   you using the rental vehicle without a licence for the
purpose that you were using it (such as but not limited to
the carrying of passengers or freight); or
c]   administrative charges or fees of the rental company that
are not a component of the amount payable specified in
your rental vehicle agreement. 
SECTION 6.1 PERSONAL LIABILITY 
6.1.1   What we cover 
If you become legally liable to pay compensation for
negligently causing:
•   death or bodily injury; or
•   physical loss of, or damage to property,
that happens during the period of cover available for your
journey, then we will cover you up to the limit shown in Part C -
Benefit Limits - 6.1 Personal Liability, for:
•   the compensation (including legal costs) awarded against
you; and
•   any reasonable legal costs incurred by you for settling
or defending a claim made against you, provided you
have approval in writing from Allianz Global Assistance
before incurring these costs. Please contact Allianz Global
Assistance to confirm approval for these costs. 
Conditions 
We should be told as soon as you or your personal
representatives are, or a reasonable person in your
circumstances would have been, aware of a possible
prosecution, inquest, fatality, accident or incident which might
lead to a claim against you.
You should not pay or promise to pay, settle with, admit or deny
liability to anyone who makes a claim against you without our
written consent. If you do, we may reduce or refuse your claim
to the extent we are prejudiced.
To ensure you are covered, please contact Allianz Global
Assistance before incurring any liability costs or expenses.

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6.1.2   What we exclude 
To the extent permitted by law, we will not pay any amount
you become legally liable to pay if the liability arises directly or
indirectly from, or is in any way connected with, or is for:
a]   bodily injury to you, your travel companion or to a relative
or employee of any of you;
b]   loss of or damage to property belonging to you, or in your
care, custody or control (unless the property is a residence
and you occupy it during the period of cover available for
your journey as a tenant or lessee, or temporary guest);
c]   your ownership, custody, control or use of any firearm or
weapon;
d]   your ownership, control or use of a motorised vehicle,
an aircraft, or a watercraft (other than a non-motorised
watercraft used on inland waterways) however, if you do
not own or control the vehicle, aircraft or watercraft and are
only using it as a passenger, this exclusion does not apply;
e]   your conduct of, or employment in any business, profession,
trade or occupation;
f ]   any loss, damage or expenses which are covered or should
have been covered under a statutory or compulsory
insurance policy, scheme or fund, or under Workers
Compensation legislation, an industrial award or agreement,
or Accident Compensation legislation;
g]   any fine or penalty, or aggravated, punitive, exemplary or
liquidated damages;
h]   any relief or recovery from you other than monetary
amounts;
i]   a contract that imposes on you a liability which you would
not otherwise have;
j]   assault and/or battery committed by you or at your
direction;
k]   any act intended to cause bodily injury, property damage
or liability done by you or any person acting with your
knowledge, connivance or consent;
l]   illness, sickness or disease that is transmitted by you.

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SECTION 6.2 LEGAL EXPENSES 
6.2.1   What we cover 
If, during the period of cover available for your journey, you
are injured or die because of the fault of some entity other
than a relative or travel companion, we will reimburse you
or your estate up to the limit specified in Part C - Tables of
Benefits for legal costs you incur in the pursuit of damages or
compensation from the entity at fault. 
Conditions 
You or your estate will need to take reasonable steps to obtain
our consent in writing before incurring any legal costs or
commencing proceedings against any entity at fault. If you
do not obtain consent prior to incurring these costs, we may
reduce or refuse your claim to the extent we are prejudiced. To
ensure you are covered, please contact Allianz Global Assistance
before incurring any liability costs or expenses. 
6.2.2 What we exclude 
To the extent permitted by law, we will not pay any amount you
incur for:
a]   any claim you make against any travel service provider or
insurance company;
b]   any legal costs you incur without our prior written consent;
c]   any legal action where after obtaining independent legal
advice, we consider that no benefit would be achieved by
pursuing such action.

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DOMESTIC TRAVEL INSURANCE 
PART A - ELIGIBILITY FOR COVER
WHO IS ELIGIBLE? 
As a cardholder with an ANZ Credit Card you are eligible for the
cover available if:
a]   the entire cost of your return domestic flight ticket is
charged to the account holder’s card account prior to
commencing the journey; or
b]   before commencing your journey, you spend at least $250 on
your prepaid travel costs and you charge these costs (e.g. cost
of your return domestic travel ticket; and/or airport/departure
taxes; and/or your prepaid domestic accommodation/
travel; and/or your other prepaid domestic itinerary items)
to the accountholder's card account and you have a return
domestic flight ticket prior to commencing the journey. 
WHO ELSE IS ELIGIBLE? 
If the cardholder is eligible for the cover available, the
cardholder’s spouse and dependants are also eligible if:
a]   the entire cost of their return domestic flight ticket
(excluding taxes and airport and travel agent charges)
is charged to the accountholder’s card account prior to
commencing the journey; or
b]   before commencing the journey, at least $250 of each of the
spouse and/or dependant's prepaid travel costs are charged
to the accountholder's card account and each of the spouse
and/or dependants has a return domestic flight ticket; and
c]   the spouse and/or dependants are travelling with the
cardholder for at least 50% of the period of cover made
available to the cardholder for the cardholder’s journey.
When a cardholder, spouse and dependant are travelling
together, only one eligible person can claim the benefits
payable to a cardholder. The other eligible persons may only
claim as a spouse or dependant. 
DEPENDANTS UNDER THE AGE OF TWO YEARS
AT THE DATE THE JOURNEY COMMENCES 
If a cardholder satisfies the eligibility criteria set out above,
their dependant under the age of two years as at the date
the journey commences is eligible for the cover provided
the dependant is travelling with the cardholder for at least
50% of the period of cover available to the cardholder for the
cardholder’s journey.
No cover is available for dependants born on the journey.

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PART B - PERIOD OF COVER 
Period of Cover 
Up to 28 consecutive days per journey for ANZ Credit Card
cardholders, their spouses and/or dependants.
The period of cover available under Section 1.1 Cancellation
begins on the date you become eligible for cover by meeting
the eligibility criteria set out in Part A - Eligibility for Cover.
Provided you meet the eligibility criteria set out in Part A -
Eligibility for Cover, the period of cover available for all other
insured events commences when you leave your home to start
your journey or on the departure date shown on your domestic
flight ticket, whichever is the later.
Cover under all sections ends when the first of the following
occurs:
a]   when you return to your home from the airport shown on
your return domestic flight ticket; or
b]   you cancel your return domestic flight ticket; or
c]   28 consecutive days after your journey starts.
For the avoidance of doubt, the period of cover available is for a
maximum of 28 days per journey. 
PART C - BENEFIT LIMITS 
The table below sets out the amounts and maximum limits
of what we will pay under each section of Domestic Travel
Insurance. All limits and sub-limits in the table are shown in
Australian dollars.
The cover available is outlined in Part E and is subject to the
applicable terms, conditions, limits, sub-limits and exclusions.
The cover described in the table below is a summary only.
All costs and expenses claimed must be necessary and
reasonable. 
Section   Limit
1.1   Cancellation   Up to a maximum total limit of
$3,000 for all claims combined 
2.1   Flight Delay
Expenses 
4 hours or more, $125 per person
up to a maximum total limit of
$300 for all claims combined 
3.1   Additional
Expenses 
Up to a maximum total limit of
$3,000 
4.1   Luggage   Up to $750 for each covered item,
up to a maximum total limit of
$2,000

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4.2   Luggage Delay   12 hours or more, $150 per person,
up to a maximum total limit of
$400 for all claims combined 
PART D - EXCESSES AND GENERAL
EXCLUSIONS
EXCESSES - WHAT YOU CONTRIBUTE TO A CLAIM 
You must pay the following excess amounts for each claim
made under the following covers even if a number of claims are
submitted on the one claim form. However If you make more
than one claim as the result of a single event, the highest excess
will apply but will only apply once. 
Section   Excess amount
1.1   Cancellation   $100 
2.1   Flight Delay Expenses   Nil 
3.1   Additional Expenses   $100 
4.1   Luggage   $100 
4.2   Luggage Delay   Nil 
GENERAL EXCLUSIONS 
The general exclusions below set out what is not covered.
You should also read each section as they contain specific
exclusions that may also apply. To the extent permitted by law,
we do not cover you for any loss, damage or expense caused by
or arising from:
1.   your loss of enjoyment; loss of opportunity; loss of
revenue; loss of profits or loss of goodwill;
2.   you booking or taking travel against medical advice, travel
for the purpose of getting medical treatment or advice, or
travel taken after a medical adviser informs you that you
are terminally ill;
3.   your intentional self harm or your suicide or your
attempted suicide;
4.   your claim arises from, or is caused, or is contributed to, by
you being affected by any intoxicating liquor or drug to the
extent that your physical, or mental functions, or your
judgement are impaired, except a drug prescribed to you
by a medical adviser, and taken in accordance with their
instructions;
5.   you not following an advice or warning that a reasonable
person would have been aware of:

58
•   by an Australian government (including State and
Territory governments); or
•   which was published in a reliable mass media source;
6.   flying other than as a passenger in:
•   a fully licensed aircraft operated by an airline or charter
company; or
•   a regulated or licensed hot air balloon;
7.   your participation in any dangerous activities or your
exposure of yourself to danger during your journey unless
in an attempt to preserve your life or the life of another
person, such as:
•   scuba diving unless you hold an open water diving
certificate or are diving with a qualified and registered
diving instructor;
•   mountaineering or rock climbing requiring the use of
ropes and/or climbing equipment, racing (other than
amateur racing on foot), white water rafting, white water
boating, abseiling, parasailing, skydiving, hang gliding,
base jumping, bungy jumping, pot holing, canyoning,
caving, fire walking, running with the bulls, rodeo riding,
polo playing, hunting, shooting, archery, tobogganing,
water skiing, jet skiing, off-piste snow skiing, off-piste
snowboarding or snowmobiling;
•   quad bike or motorcycle riding during your journey
unless it involves you only driving a motorcycle, with an
engine capacity of 200cc or less, for which you hold a
valid motorcycle licence;
•   any other similar activity that a reasonable person would
consider dangerous;
8.   any kind of training for, coaching or competing in any
sporting event where you are entitled to receive, or are
eligible to receive, an appearance fee, wage, salary or prize
money in excess of $1,000; and
9.   your claim arises from, or is caused, or is contributed to by
an illegal or criminal act by you, your spouse, your
dependants or any other person acting with your consent
or under your direction;
10.   your participation as a crew member or pilot of any
transportation;
11.   the injury, illness or death of any person who is aged 81
years or over at the time you become eligible for cover
under Domestic Travel Insurance;
12.   any interference with your travel plans by any government,
government regulation or prohibition or intervention or
official authority;

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13.   your failure to take reasonable care including failure to
wear appropriate safety equipment;
14.   any epidemic or pandemic, unless your claim relates to you
or your travel companion being positively diagnosed as
suffering a sickness recognised as an epidemic or pandemic
and cover is expressly included in the following sections:
•   1.1 Cancellation;
•   3.1 Additional Expenses;
15.   any act of war, whether war is declared or not, or from any
rebellion, revolution, insurrection or taking of power by the
military;
16.   a nuclear reaction or contamination from nuclear weapons
or radioactivity;
17.   biological and/or chemical materials, substances,
compounds or the like used directly or indirectly for the
purpose of harming or to destroy human life and/or create
public fear;
18.   providing cover or being liable to pay any claim or provide
any benefit under this policy to the extent that the
provision of such cover, payment of such claim or provision
of such benefit would constitute a breach of any trade or
economic sanction, embargo, prohibition or restriction
imposed by any of the following: United Nations, United
States of America, Australia, European Union, United
Kingdom, or New Zealand, or any other applicable national
trade or economic sanctions, laws or regulations. This clause
shall apply where such geographical location, provision of
goods, services or other reasons shall contravene such
sanction, embargo, prohibition or restriction. 
PART E - THE COVER AVAILABLE 
In order to be sure that you are covered under this policy you
should always call us for approval before you incur certain
expenses. If you do not, we will pay for expenses incurred up to
the amount we would have authorised had you asked us first. 
EPIDEMICS AND PANDEMICS (COVID-19) 
If, during the period of cover available, you (including your
spouse and/or dependants who are eligible for cover) are
positively diagnosed as suffering a sickness recognised as an
epidemic or pandemic, such as COVID-19, cover is available to
you under the following sections:
•   1.1 Cancellation
•   3.1 Additional Expenses
If, during the period of cover available, your travel companion

60
is positively diagnosed as suffering a sickness recognised as an
epidemic or pandemic, such as COVID-19, which impacts your
journey, cover is available to you under the following sections:
•   1.1 Cancellation
•   3.1 Additional Expenses
Terms, conditions, exclusions, limits and applicable sub-limits
apply. Please refer to Part D - General Exclusions and the
exclusions set out in each of the above sections.
For example, you will not be covered if you are positively
diagnosed as suffering a sickness recognised as an epidemic or
pandemic while travelling against an advice or warning issued
by an Australian government and you did not take reasonable
care to avoid contracting the sickness (for example by delaying
travel to the country or part of the country referred to in the
warning), refer to General Exclusions 5 and 13 in Part D for more
information. Please note, this also applies even if the Australian
government has given you permission to travel or you fall under
a specific exemption where there is otherwise a travel ban in
place that prohibits you from travelling.
For all other sections and any other claim arising from, or related
to, epidemics or pandemics, there is no cover. 
SECTION 1.1 CANCELLATION 
1.1.1 What we cover 
If, during the period of cover available, your journey is cancelled,
disrupted or rescheduled because of circumstances that were
not expected or intended by you and are outside of your
control (including if you or your travel companion are positively
diagnosed as suffering a sickness recognised as an epidemic or
pandemic, such as COVID-19, which reasonably prevents you
from travelling), we will reimburse you: 
Unused travel and accommodation arrangements 
a]   The non-refundable portion of unused travel and
accommodation arrangements scheduled to be used during
the period of cover available for your journey, that you have
paid in advance of cancellation or disruption and cannot
recover in any other way, limited to the maximum total limit
specified in Part C - Benefit Limits - 1.1 Cancellation. 
Travel agent's fees 
b]   Your travel agent’s cancellation fees and any commission
or service fees retained by your travel agent, limited to the
amount of commission or service fees that your travel agent
would have earned had your journey not been cancelled
or the amount specified in Part C - Benefit Limits - 1.1
Cancellation, whichever is the lesser.

61 
Frequent flyer, airmiles, loyalty points & vouchers 
c]   For the value of frequent flyer points, air miles, loyalty card
points, redeemable vouchers or other similar schemes
lost by you as a result of cancelling the services paid for or
obtained with those points, air miles, vouchers or schemes,
but only if you cannot recover your loss in any other way.
We calculate the amount we pay you, which is limited to
the maximum total limit specified in Part C - Benefit Limits -
1.1 Cancellation, as follows:
•   for frequent flyer points, air miles or loyalty card points: 
−   the cost of an equivalent booking based on the
same advance booking period as your original
booking less any payment you made toward the
booking, multiplied by 
−   the total number of points or air miles lost, 
−   divided by the total number of points or air miles
used to make the booking.
•   for vouchers, the face value of the voucher. If there is no
face value on the voucher we will pay the market value. 
Rescheduling your journey 
d]   Your reasonable costs of rescheduling your journey. The
most we will pay for rescheduling your journey is the
unrecoverable amount that would have been payable
under sub-sections 2.1.1 a], b] and c] had your journey been
cancelled. We will not pay a claim under sub-section 2.1.1d]
in addition to a claim under sub-sections 2.1.1a], b] and c]
for the same services/facilities. 
Conditions 
If you want to claim under the cover available, you should
do the following as soon as reasonably possible after the
happening of the unexpected event causing your claim:
•   cancel any pre-arranged travel and accommodation
scheduled to be used during the period of cover available
for your journey that you are now unable to use; and
•   recover any refund that you are entitled to.
If you think that you may have to cancel your journey or shorten
your journey, you should tell us as soon as reasonably possible.
For more information, see under the heading Claims or call the
contact number shown on the inside front cover of this booklet.
If you unreasonably delay or fail to cancel your pre-arranged
travel and accommodation arrangements and we are
prejudiced by your delay or failure, we may reduce the amount
payable for your claim to the extent we are prejudiced.

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If your claim is related to your fitness to travel, you should take
reasonably steps to provide us with written confirmation from a
medical adviser. 
1.1.2 What we exclude 
To the extent permitted by law we will not pay your claim if:
a]   you were aware, or a reasonable person in your
circumstances would have been aware before you became
eligible for the cover available, of any reason that may cause
your journey to be cancelled, rescheduled or shortened;
b]   the claim arises from an injury, illness or death of any person
who is aged 81 years or over at the time you become
eligible for cover under Domestic Travel Insurance;
c]   caused by you or your travel companion changing plans;
d]   caused by financial default or financial collapse of a services
provider with whom you make a booking or the financial
default or financial collapse of any company, organisation or
person with whom they deal;
e]   caused by an act of terrorism. 
SECTION 2.1 FLIGHT DELAY EXPENSES 
2.1.1   What we cover 
If during the period of cover available for your journey, the
departure of your domestic flight, is delayed for the period
specified in Part C - Benefit Limits - 2.1 Flight Delay Expenses,
due to circumstances outside your control and no alternative
transport is provided by the carrier, we will reimburse the
cost of your reasonable additional meal and accommodation
expenses, up to the amount specified in Part C - Benefit Limits -
2.1 Flight Delay Expenses. 
1.1.2   What we exclude 
We will not pay if a delay to your journey arises from an act of
terrorism. 
SECTION 3.1 ADDITIONAL EXPENSES 
3.1.1   What we cover 
Additional travel & accommodation expenses due to your
incapacity 
a]   If you cannot continue your journey because of an injury
or sickness (including if you are positively diagnosed as
suffering a sickness recognised as an epidemic or pandemic,
such as COVID-19) which occurs during the period of cover
available for your journey and needs immediate treatment
from a medical adviser, we will reimburse your reasonable
additional accommodation and travel expenses.

63 
Emergency travel & accommodation expenses for a
necessary companion 
b]   If during the period of cover available for your journey, you
are admitted to hospital suffering from a life threatening
or other serious condition which occurs during the period
of cover available for your journey, we will reimburse the
reasonable travel and accommodation expenses for a
relative or friend to travel to you, stay near you or escort
you. The relative or friend must travel to you, stay near you
or escort you on the written advice of your treating medical
adviser and with the prior written approval of Allianz Global
Assistance for which approval will not be unreasonably
withheld or delayed. Please contact Allianz Global Assistance
for approval of these costs. Otherwise we may reduce
the amount payable for your claim to the extent we are
prejudiced. 
Additional travel & accommodation expenses due to your
travel companion’s incapacity 
c]   If your travel companion cannot continue their journey
because of an injury or sickness (including if your travel
companion is positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic, such as COVID-19)
which occurs during the period of cover available for
your journey and which needs immediate treatment
from a medical adviser, we will reimburse your reasonable
additional accommodation and travel expenses for you to
remain with your travel companion. Please contact Allianz
Global Assistance for approval of these costs. No cover is
available for a claim arising from any pre-existing medical
condition of your travel companion. 
Expenses due to your repatriation or evacuation home 
d]   If during the period of cover available, you shorten your
journey and return to your home on the advice of your
treating medical adviser and with the approval of Allianz
Global Assistance, we will reimburse the reasonable
additional cost of your return to your home. We will only pay
the cost of the fare class that you had planned to travel at and
you must make use of any pre-arranged return travel to your
home. Please contact Allianz Global Assistance for approval of
these costs. 
Repatriation of dependants left without supervision 
e]   If your dependants are left without supervision following
your hospital admission or evacuation during the period of
cover available for your journey, we will pay the reasonable
additional travel and accommodation expenses incurred
to return them to your home, including the travel and
accommodation expenses of an escort if agreed to by

64
Allianz Global Assistance. Please contact Allianz Global
Assistance for approval of these costs. Such approval will
not be unreasonably withheld or delayed. 
Additional travel & accommodation expenses due to
specified events 
f ]   In addition, if during the period of cover available a
disruption to your journey arises from:
•   your scheduled or connecting transport being cancelled,
delayed, rescheduled or diverted because of a strike, riot,
hijack, civil protest, weather, natural disaster or accident
affecting your mode of transport;
•   you unknowingly break any quarantine rule (but not a
quarantine rule applying to an epidemic or pandemic);
•   you lose your passport, travel documents or transaction
cards or they are stolen; or
•   your home being rendered uninhabitable by fire,
explosion, earthquake or flood,
we will reimburse your reasonable additional travel and
accommodation expenses. Please contact Allianz Global
Assistance for approval of these costs. Such approval will
not be unreasonably withheld or delayed.
Whenever claims are made by you under this section and Section
1.1 Cancellation for cancelled services/facilities or alternative
arrangements for the same or similar services/facilities, we will
pay for the higher of the two amounts, not both. 
3.1.2   What we exclude 
To the extent permitted by law, we will not pay your claim:
a]   if you were aware, or a reasonable person in your
circumstances would have been aware, of any reason, before
you became eligible for the period of cover available, that may
cause your journey to be cancelled, disrupted or delayed;
b]   if you can claim your additional travel and accommodation
expenses from anyone else;
c]   if caused by any service provider misappropriating your
funds or failing to arrange or provide services for which you
have paid;
d]   for cancellations, delays, rescheduling or diversions to your
scheduled or connecting transport unless it is due to a
strike, riot, hijack, civil protest, weather, natural disaster or
accident affecting your mode of transport;
e]   if your claim arises directly or indirectly out of you operating
a rental vehicle in violation of the rental agreement.

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SECTION 4.1 LUGGAGE 
You must take all reasonable precautions to safeguard your
covered items and your valuables. If you do not, we will not
pay your claim. For example, you will not be taking reasonable
precautions if you leave your belongings in a publicly accessible
location:
•   at such a distance from you that you are unable to prevent
them being taken; or
•   with a person who is not a travel companion or a relative
(or if these persons fail to take all reasonable precautions to
safeguard your covered items or valuables).
This includes forgetting or misplacing any items, leaving them
behind or walking away from them. 
4.1.1   What we cover 
a]   If, during the period of cover available for your journey, the
following covered items or valuables:
•   baggage, clothing or personal valuables;
•   portable electrical equipment, laptop computers and
associated equipment/accessories, binoculars, cameras
and associated equipment/accessories,
are stolen, accidentally damaged or are permanently lost,
except when:
•   left in a vehicle (see sub-section 4.1.1 b] below); or
•   are valuables left in a vehicle or checked in to be
transported in the cargo hold of any aircraft, ship, train,
tram or bus (see sub-section 4.1.1 c] below).
The amount we will pay will be the lesser of:
•   the depreciated value after allowing for age, wear and
tear (see the Depreciation section for details);
•   the original purchase price;
•   the replacement cost; or
•   the repair cost.
We will not apply depreciation to any item we pay for
where less than 12 consecutive months have elapsed since
the item was purchased new.
The maximum amount we will pay for any item is up to the
item limit specified in Part C - Benefit Limits - 4.1 Luggage.
A pair or related set of items, for example (but not limited to):
•   a camera, lenses (attached or not), tripod and
accessories;
•   a matched or unmatched set of golf clubs, golf bag and
buggy; or

66
•   a matching pair of earrings,
are considered as only one item for the purpose of this cover,
and the appropriate single item limit will be applied.
b]   Covered items specified in 4.1.1a] that are left in a vehicle
during the period of cover provided for your journey are only
covered during daylight hours and must have been left in a
concealed storage compartment of a locked vehicle, and in
the event of theft forced entry must have been made. The
most we will pay is up to the total amount specified in Part C
- Benefit Limits - 4.1.1b] Luggage for all covered items stolen
from a locked vehicle.
c]   No cover is available for valuables left in a vehicle at any time
or valuables checked in to be transported in the cargo hold
of any aircraft, ship, train, tram or bus including any loss from
the point of check in until collection by you from the baggage
carousel or collection area at the end of your flight, voyage or
trip. However, cover will be available for loss theft or accidental
damage to laptops, tablets and mobile/smartphones when
(without prior notice) you are directed by the airline with
whom you have a flight booking to place the laptop, tablet
or mobile/smartphone into your checked in baggage or
overhead cabin locker for the duration of your flight. 
Conditions 
If you make a claim, you will need to provide proof of your
ownership and the value of your belongings. Examples of
proof include receipts and/or valuations (e.g. receipt or
valuation for jewellery).
If you cannot prove the value of the items, the most we will pay
for each individual item is 10% of the limit shown for that type
of item in the Part C - Benefit Limits - 4.1 Luggage.
As soon as practical you should report any loss or theft to the
police or an office of the bus line, airline, shipping line or rail
authority you were travelling on when the loss or theft occurred.
You should make reasonable efforts to obtain confirmation
from whoever you made the report to as this may be the easiest
way to provide evidence of the loss or theft. If you delay or fail
to make a report and we are prejudiced by your delay or failure,
we may be entitled to reduce your claim by the amount of
prejudice we have suffered.
If you are entitled to be reimbursed by the bus line, airline,
shipping line or rail authority you were travelling on when the
loss, theft, misplacement or damage occurred we will deduct
the amount you are entitled to from any claim payable by us.
However, if you are not reimbursed the full amount of your loss,
we will pay the difference between the amount of your loss and
what you were reimbursed, up to the limit of the cover available.

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4.1.2   What we exclude 
To the extent permitted by law, we will not pay a claim in
relation to your covered items and valuables if:
a]   the loss, theft or damage is to, or of, covered items or
valuables left behind in any hotel or motel room after you
have checked out, or items left behind in any aircraft, ship,
train, tram, taxi or bus;
b]   the covered items or valuables were being sent
unaccompanied by you or under a freight contract;
c]   the loss or damage arises from any process of cleaning,
repair or alteration;
d]   the loss or damage arises from ordinary wear and tear,
deterioration, atmospheric or weather conditions, insects,
rodents or vermin;
e]   the covered item or valuable disappears in circumstances
that cannot be explained;
f ]   your claim arises from a government authority confiscating,
detaining or destroying anything;
g]   you do not take all reasonable precautions to safeguard
your covered items or valuables. For example, you will
not be taking reasonable precautions if you leave your
belongings in a publicly accessible location:
•   at such a distance from you that you are unable to
prevent them being taken; or
•   with a person who is not a travel companion or a relative
(or if these persons fail to take all reasonable precautions
to safeguard your covered items or valuables).
This includes forgetting or misplacing any items, leaving
them behind or walking away from them;
h]   the covered item or valuable has an inherent defect or an
electrical or mechanical breakdown that is known or could
be reasonably know by you;
i]   the covered item or valuable is fragile or brittle or is an
electrical component and is broken unless the breakage
was caused by theft, fire or an accident involving a vehicle
in which you were travelling;
j]   the loss or damage arises from scratches occurring to lenses
or screens of covered items or valuables however caused;
k]   the covered items were sporting equipment that were
damaged during use.

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SECTION 4.2 LUGGAGE DELAY 
4.2.1 What we cover 
If during the period of cover available for your journey any of
your covered items are delayed, misdirected or misplaced by the
carrier for more than 12 consecutive hours, we will reimburse you
for the reasonable costs you incur for you to purchase essential
items of clothing or other personal items, up to the amount
specified in Part C - Benefit Limits - 4.2 Luggage Delay. 
Conditions 
You will need to make reasonable efforts to obtain confirmation
from the carrier who was responsible for your covered items
confirming that your items were delayed, misdirected or
misplaced as this may be the easiest way to provide evidence of
the delay.
We will deduct any amount we pay you under this section from
any subsequent claim you make for lost covered items payable
under Section 4.1 Luggage.
If you are entitled to be reimbursed by the bus line, airline,
shipping line or rail authority you were travelling on when the
loss, theft, misplacement or damage occurred we will deduct
the amount you are entitled to from any claim payable by us.
However, if you are not reimbursed the full amount of your loss,
we will pay the difference between the amount of your loss and
what you were reimbursed, up to the limit of cover available.

69 
RENTAL VEHICLE EXCESS
INSURANCE IN AUSTRALIA 
PART A - ELIGIBILITY FOR COVER
WHO IS ELIGIBLE? 
Cardholders are eligible when the entire payment for the
vehicle rental was charged to the accountholder’s card account. 
PART B - PERIOD OF COVER 
The cover available begins when you collect the rental vehicle
from the rental vehicle company or agency you have entered
into a rental vehicle agreement with and ends when you return
the rental vehicle to the rental vehicle company or agency or the
expiry of the rental vehicle agreement, whichever occurs earlier. 
PART C - BENEFIT LIMITS 
The table sets out the maximum limits of what we will pay
under Rental Vehicle Excess Insurance in Australia. All limits and
sub-limits in the table below are shown in Australian dollars.
The cover available is outlined in Part E and is subject to the
terms, conditions, exclusions, limits and applicable sub-limits
that apply. 
Limit 
Maximum total limit of up to the amount specified in your
rental vehicle agreement or $5,000, whichever is the lesser
for all claims combined during the rental period. 
PART D - EXCESS AND EXCLUSIONS
EXCESS - WHAT YOU CONTRIBUTE TO A CLAIM 
You must pay the following excess amount for each claim made
under this insurance, even if a number of claims are submitted
on the one claim form. However, if you make more than one
claim as the result of a single event, the highest excess will
apply, but will only apply once.
An excess of $100 applies to each claim payable under Rental
Vehicle Excess Insurance in Australia. 
EXCLUSIONS 
The exclusions below set out what is not covered. You should
also read each section as they contain specific exclusions that
also apply. To the extent permitted by law, we do not cover you
for any loss, damage or expense caused or arising from:

70
1.   your loss of enjoyment; loss of opportunity; loss of
revenue; loss of profits or loss of goodwill;
2.   your intentional self harm or your suicide or your
attempted suicide;
3.   your claim arising from, or is caused, or is contributed to by
you being affected by any intoxicating liquor or drug to
the extent that your physical, or mental functions, or your
judgement are impaired, except a drug prescribed to you
by a medical adviser, and taken in accordance with their
instructions;
4.   you using the rental vehicle in breach of the rental vehicle
agreement;
5.   you using the rental vehicle without a licence for the purpose
that you were using it; (such as but not limited to the
carrying of fare paying passengers or the carrying of freight);
6.   administrative charges or fees of the rental company that
are not a component of the amount that is specified in
your rental vehicle agreement;
7.   any act of terrorism;
8.   any act of war, whether war is declared or not, or from any
rebellion, revolution, insurrection or taking of power by the
military;
9.   a nuclear reaction or contamination from nuclear weapons
or radioactivity;
10.   biological and/or chemical materials, substances,
compounds or the like used directly or indirectly for the
purpose of harming or to destroy human life and/or create
public fear;
11.   providing cover or being liable to pay any claim or provide
any benefit under this policy to the extent that the
provision of such cover, payment of such claim or provision
of such benefit would constitute a breach of any trade or
economic sanction, embargo, prohibition or restriction
imposed by any of the following: United Nations, United
States of America, Australia, European Union, United
Kingdom, or New Zealand, or any other applicable national
trade or economic sanctions, laws or regulations. This
clause shall apply where such geographical location,
provision of goods, services or other reasons shall
contravene such sanction, embargo, prohibition or
restriction;.
12.   your failure to take reasonable care such as failure to wear
appropriate safety equipment.

71 
PART E - THE COVER AVAILABLE 
In order to be sure that you are covered under this policy, where
reasonable, you should always call us for approval before you
incur certain expenses. If you do not, we will pay for expenses
incurred up to the amount we would have authorised had you
asked us first.
Cover is only available if your rental vehicle agreement specifies
an amount that is payable in the event the rental vehicle is
damaged or stolen while in your custody.
This cover may not provide cover for items such as, but not
limited to, tyres, windscreens, glass, roof and underbody if
damage to these items is in addition to the specific amount
shown in your rental vehicle agreement that you are
responsible to pay for damage or theft. 
WHAT WE COVER 
If, during the period of cover available, a rental vehicle you have
rented from a rental company or agency is:
•   involved in a motor vehicle accident while you are driving it; or
•   damaged or stolen while in your custody,
then we will pay you the lesser of:
•   the cost of property damage for which you are liable; or
•   the amount specified that you must pay under your rental
vehicle agreement; or
•   the limit shown in Part C - Benefit Limits. 
Conditions 
To support your claim, you must take reasonable steps to provide
us with a copy of:
•   your rental vehicle agreement;
•   the incident report that was completed;
•   written confirmation from the rental company or agency of
the amount for which you are liable.
You may also need to provide:
•   the repair account and invoice from the motor vehicle
repairer (if available to you); and
•   an itemised list of the value of the damage.

72 
PURCHASE PROTECTION
INSURANCE 
PART A - ELIGIBILITY FOR COVER
WHO IS ELIGIBLE? 
Cardholders are eligible for Purchase Protection Insurance for
covered items:
•   purchased anywhere in the world; or
•   purchased and given as a gift to any permanent Australian
resident,
provided the whole purchase price of the covered item is
charged to the accountholder’s card account. 
PART B - PERIOD OF COVER 
Purchase Protection Insurance applies to a covered item after
the date you take possession of the covered item provided
the full purchase price of the covered item is charged to the
accountholder’s card account. The following maximum period
of cover is available for your covered item. 
Period of Cover 
90 consecutive days from the date you take possession of
the covered item purchased on an ANZ Credit Card 
PART C - BENEFIT LIMITS 
The table sets out the maximum limits of what we will pay
under Purchase Protection Insurance. All limits and sub-limits in
the table below are shown in Australian dollars.
The cover available is outlined in Part E and is subject to the
applicable terms, conditions, exclusions, limits and sub-limits.
If you need advice in respect of your particular circumstances or
needs please consult an appropriately licensed insurance adviser. 
Limit 
Purchase price charged to card account limited to $10,000
per covered item, except for jewellery, watches and new
works of art which are limited to $3,500. Maximum total limit
for all claims in any 12 month period is $135,000 per card
account.

73 
PART D - EXCESS AND EXCLUSIONS
EXCESS - WHAT YOU CONTRIBUTE TO A CLAIM 
No excess applies to any claim under Purchase Protection
Insurance. 
EXCLUSIONS 
The exclusions below set out what is not covered. You should
also read each section as they contain specific exclusions that
also apply. To the extent permitted by law, we do not cover you
for any loss, damage or expense caused by, arising directly or
indirectly from or in any way related to:
1.   the loss, theft or damage is to, or of, items left behind in
any hotel or motel room after you have checked out, or
items left behind in any aircraft, ship, train, tram, taxi or bus;
2.   covered items or valuables being sent unaccompanied by
you or under a freight contract;
3.   loss or damage arising from any process of cleaning, repair
or alteration;
4.   loss or damage arising from ordinary wear and tear,
deterioration, atmospheric or weather conditions, insects,
rodents or vermin;
5.   the disappearance of covered items or valuables in
circumstances that cannot be reasonably explained;
6.   your claim arising from a government authority
confiscating, detaining or destroying anything;
7.   you not taking all reasonable precautions to safeguard
your covered items or valuables. For example, you will not
be taking reasonable precautions if you leave your
belongings in a publicly accessible location:
•   at such a distance from you that you are unable to
prevent them being taken; or
•   with a person who is not a travel companion
or a relative (or these persons fail to take all reasonable
precautions to safeguard your covered items or
valuables).
This includes forgetting or misplacing any items, leaving
them behind or walking away from them;
8.   the covered item or valuable has an electrical or
mechanical breakdown.
9.   any act of war, whether war is declared or not, or from any
rebellion, revolution, insurrection or taking of power by the
military;

74
10.   a nuclear reaction or contamination from nuclear weapons
or radioactivity;
11.   biological and/or chemical materials, substances,
compounds or the like used directly or indirectly for the
purpose of harming or to destroy human life and/or create
public fear;
12.   providing cover or being liable to pay any claim or provide
any benefit under this policy to the extent that the
provision of such cover, payment of such claim or
provision of such benefit would constitute a breach of any
trade or economic sanction, embargo, prohibition or
restriction imposed by any of the following: United
Nations, United States of America, Australia, European
Union, United Kingdom, or New Zealand, or any other
applicable national trade or economic sanctions, laws or
regulations. This clause shall apply where such
geographical location, provision of goods, services or
other reasons shall contravene such sanction, embargo,
prohibition or restriction;
13.   your failure to take reasonable care;
14.   the covered items were sporting equipment that were
damaged during use;
15.   the covered items were valuables that were checked in to be
transported in the cargo hold of any aircraft, ship, train, tram
or bus (including any loss from the point of check in until
collection by you from the baggage carousel or collection
area at the end of your flight, voyage or trip);
16.   the covered items were left in a motor vehicle. 
PART E - THE COVER AVAILABLE 
You must take all reasonable precautions to safeguard your
covered items and your valuables. If you do not, we will not
pay your claim. For example, you will not be taking reasonable
precautions if you leave your covered items or your valuables in
a publicly accessible location:
•   at such a distance from you that you are unable to prevent
them being taken; or
•   with a person who is not a travel companion or a relative
(or if these persons fail to take all reasonable precautions to
safeguard your covered items and your valuables).
This includes forgetting or misplacing any items, leaving them
behind or walking away from them.

75 
What we cover 
If, during the period of cover available, your covered item is
stolen, accidentally damaged or permanently lost, we will pay
the lesser of:
a]   the original purchase price charged to the accountholder’s
card account up to the limit specified in Part C - Benefit
Limits; or
b]   the limit per claim specified in Part C - Benefit Limits for
jewellery, watches and new works of art.
The most we will pay for all claims in any 12-month period is the
maximum total limit specified in Part C - Benefit Limits. 
Conditions 
If you make a claim, you will need to provide proof of your
ownership and the value of your belongings. Examples of proof
include receipts and/or valuations (e.g. receipt or valuation for
jewellery).
As soon as reasonably practical you should report any loss or
theft to the police or an office of the bus line, airline, shipping
line or rail authority you were travelling on when the loss or
theft occurred.
You should make reasonable efforts to obtain confirmation
from whoever you made the report to as this may be the easiest
way to provide evidence of the loss or theft. If you unreasonably
delay or fail to make a report and we are prejudiced by your
delay or failure, we may reduce the amount payable for your
claim to the extent we are prejudiced.
If you are entitled to be reimbursed by the bus line, airline,
shipping line or rail authority you were travelling on when the
loss, theft, misplacement or damage occurred we will deduct
the amount you are entitled to from any claim payable by us.
However, if you are not reimbursed the full amount of your loss,
we will pay the difference between the amount of your loss
and what you were reimbursed, up to the limit of the cover
available.

76 
EXTENDED WARRANTY
INSURANCE 
PART A - ELIGIBILITY FOR COVER
WHO IS ELIGIBLE? 
Cardholders are eligible for Extended Warranty Insurance when
the whole purchase price of the covered item is charged to
the accountholder’s card account. This Extended Warranty
Insurance is not transferable to any other person.
Only items with a manufacturer’s unique identification serial
number on them and a manufacturer’s warranty period are
covered under this insurance. 
PART B - PERIOD OF COVER 
Cover applies from the date the manufacturer’s warranty expires
and applies for the same period as the manufacturer’s warranty
for up to a maximum of one full year. However, there is no cover if
the manufacturer’s warranty exceeds five years.
The table below sets out examples of how extended warranty
periods apply. 
Manufacturer’s Warranty
Period   Extended Warranty Period 
6 months   6 months
1 year   1 year
1 to 5 years   1 year
Over 5 years   No cover 
PART C - BENEFIT LIMITS 
The table sets out the maximum limits of what we will pay
under Extended Warranty Insurance. All limits and sub-limits in
the table below are shown in Australian dollars.
The cover available is outlined in Part E and is subject to the
applicable terms, conditions, exclusions, limits and sub-limits.
If you need advice in respect of your particular circumstances
or needs please consult an appropriately licensed insurance
adviser. 
Limit 
Purchase price charged to card account limited to $10,000
per covered item up to a maximum total limit of $10,000 per
card account in any 12-month period.

77 
PART D - EXCESS AND EXCLUSIONS
EXCESS - WHAT YOU CONTRIBUTE TO A CLAIM 
No excess applies to any claim under Extended Warranty
Insurance. 
EXCLUSIONS 
The exclusions below set out what is not covered. You should
also read each section as they contain specific exclusions that
also apply. To the extent permitted by law, we do not cover you
for any loss, damage or expense caused by, arising from, or in
any way related to:
1.   illegal or criminal acts by you, your spouse, your
dependants or any other person acting with your consent
or under your direction;
2.   your failure to take reasonable care;
3.   any act of war, whether war is declared or not, or from any
rebellion, revolution, insurrection or taking of power by the
military;
4.   a nuclear reaction or contamination from nuclear weapons
or radioactivity;
5.   biological and/or chemical materials, substances,
compounds or the like used directly or indirectly for the
purpose of harming or to destroy human life and/or create
public fear;
6.   providing cover or being liable to pay any claim or provide
any benefit under this policy to the extent that the
provision of such cover, payment of such claim or provision
of such benefit would constitute a breach of any trade or
economic sanction, embargo, prohibition or restriction
imposed by any of the following: United Nations, United
States of America, Australia, European Union, United
Kingdom, or New Zealand, or any other applicable national
trade or economic sanctions, laws or regulations. This
clause shall apply where such geographical location,
provision of goods, services or other reasons shall
contravene such sanction, embargo, prohibition or
restriction. 
PART E - THE COVER AVAILABLE 
Your covered item may come with guarantees that cannot be
excluded under the Australian Consumer Law (ACL) or other
relevant law. This cover operates alongside, and in addition to,
the rights and remedies to which you may be entitled under
the ACL and any other law that applies to your covered item
and does not change those rights or remedies.

78 
What we cover 
If a covered item that you purchased and charged the whole
purchase price to the accountholder’s card account suffers a
covered breakdown during the period of cover available after
the manufacturer’s warranty expires, we will reimburse you the
lesser of:
•   the original purchase price; or
•   the repair cost; or
•   the replacement cost; or
•   the limit per covered item specified in Part C - Benefit Limits,
subject to the maximum total limit per card account in any 12
consecutive month period as specified in Part C - Benefit Limits. 
Conditions 
Only items with a manufacturer’s unique identification serial
number on them are covered under this insurance.
You should take all reasonable care to protect and/or maintain
your covered items.
You should obtain our approval before starting any repairs or
replacement of any covered item that has suffered a covered
breakdown. If you do not, we may reduce the amount payable
for your claim to the extent we are prejudiced. Please contact
Allianz Global Assistance for approval of these costs.

79 
CLAIMS 
HOW TO MAKE A CLAIM 
Please do not contact ANZ in the event of a claim. 
First check that you are entitled to claim by reading the
appropriate section in this booklet, especially Part D of that
section, to see exactly what is, and is not covered, noting
particularly any conditions, limitations and exclusions.
Allianz Global Assistance administers the benefits available
under the Group Policy. You should give Allianz Global
Assistance notice of your claim as soon as possible.
In order to be sure that any expenses you claim are covered by
the Group Policy you should always, when practicable, contact
Allianz Global Assistance for approval before you incur expenses
you wish to claim. If you do not, we will pay for expenses
incurred up to the amount we would have authorised had you
asked us first.
You are not covered for any claim made after termination of,
or the expiry of, the period of insurance specified in the Group
Policy. ANZ will provide you with details of any replacement
cover.
You can lodge your International Travel Insurance claim online
at: claimmanager.com.au/anz
You can obtain claim forms and information on how to make a
claim at: travel.agaassistance.com.au/anz/make-a-claim
Allianz Global Assistance will consider your claim within 10
business days of receiving a completed claim form and all
necessary documentation. If we need additional information, a
written notification will be sent to you within 10 business days.
If there is a delay in claim notification, or you do not provide
sufficient detail for Allianz Global Assistance to consider your
claim, we may reduce the amount payable for your claim to the
extent we are prejudiced.
You should give any information Allianz Global Assistance
reasonably asks for to support your claim at your expense, such
as but not limited to police reports, valuations, medical reports,
original receipts or proof of purchase and ownership. If required
Allianz Global Assistance may ask you to provide them with
translations into English of any such documents to enable their
consideration of your claim.
You should take all reasonable steps to co-operate in relation to
providing supporting evidence and such other information that
may reasonably be required.

80
In particular:
•   If you think that you may have to cancel your journey
or shorten your journey you should tell us as soon as
reasonably possible. Contact Allianz Global Assistance using
the contact number, or if overseas the 24-hour Emergency
Assistance number, shown inside the front cover of this
booklet;
•   In the event of an emergency or admission to hospital
overseas or for medical, hospital or dental claims, contact
Allianz Global Assistance as soon as practicable;
•   For loss or theft of your covered items or valuables, you
should as soon as reasonably praticable report it to the
police and obtain confirmation of your report. If you
unreasonably delay or fail to make a report, we may reduce
or refuse your claim to the extent we are prejudiced;
•   For damage or misplacement of your covered items or
valuables, caused by the airline or any other operator
or accommodation provider, report the damage or
misplacement as soon as possible to an appropriate official
and make reasonable efforts to obtain a written report,
including any offer of settlement that they may make. 
DEPRECIATION 
When taking into consideration the age of a covered item or
valuable we will (acting reasonably) deduct the following:
•   For toiletries and medication (including skin care, make-up,
perfume, deodorant and aftershave) we will deduct 50% of
the purchase price for each year you have owned the item
up to a maximum deduction of 80%;
•   For mobile phones, smart phones, electrical devices,
communication devices, all computers (including laptops
and tablets), photographic equipment and electronics
equipment we will deduct 20% of the purchase price for
each year you have owned the item up to a maximum
deduction of 80%;
•   For clothing, footwear, luggage and books we will deduct
15% of the purchase price for each year you have owned
the item up to a maximum deduction of 80%;
•   For camping, sporting and leisure equipment (but not
leisure clothing) and musical instruments we will deduct
10% of the purchase price for each year you have owned
the item up to a maximum deduction of 80%;
•   For jewellery we will not make any deduction. Please note,
watches are not considered jewellery and are included
under other items below;

81
•   For all other items we will deduct 15% of the purchase price
for each year you have owned the item up to a maximum
deduction of 60%. 
For example: 
You have a $500 digital camera that was purchased 2 years
before the date it was lost. The rate of depreciation would
be 20% per year.
In settlement of your claim we would pay you $300 (i.e. we
will depreciate the value of the digital camera by 20% of
the purchase price for each of the 2 years you have owned
it), calculated as follows:
Year 1 - Purchase price of $500 less 20% ($100) = $400
Year 2 - Depreciated value of $400 less 20% of the purchase
price ($100) = $300 
CLAIMS ARE PAYABLE IN AUSTRALIAN
DOLLARS 
We will pay all claims in Australian dollars. We will pay you
unless you tell us to pay someone else. The rate of currency
exchange that will apply is the rate at the time you incurred
the expense.   Payment will be made by direct credit to a bank
account nominated by you. 
RECOVERY 
If we have a claim against someone in relation to the money we
have to pay or we have paid, you must take reasonable steps
to help us do that in legal proceedings. If you are aware of any
third party that you or we may recover money from, you must
take reasonable steps to inform us of such third party.
When making a claim you should tell us about any other
insurance under which you are or might be able to claim. If you
can claim from another insurer and we also pay you in respect
of the same insured event, then you will be required to refund
to us the amount we paid if the other insurer also pay you.
You cannot claim from us and from the other insurer to obtain
an aggregate amount that exceeds your loss.
If during the period of cover made available, you suffer a loss
which is not fully covered by the Group Policy, we may offer to
attempt to recover your uninsured loss for you.
You may specifically ask us to recover this for you however, we
have no obligation to do so. You will need to give us documents
supporting your loss. Before we include any uninsured loss in
a recovery action, we will also ask you to agree to the basis on
which we will handle your uninsured recovery action. You may

82
need to contribute to legal costs in some circumstances.
We will apply any money we recover from someone else under
a right of subrogation in the following order:
1.   To us, our costs (administration and legal) arising from
the recovery.
2.   To us, an amount equal to the amount that we paid to you
under the Group Policy.
3.   To you, your uninsured loss.
4.   To you, your excess.
Once we pay your total loss (including your uninsured loss and
any excess) we will pay you the balance of any money left over.
If we have paid your total loss and you receive a payment from
someone else for that loss or damage, you will need to pay us
the amount of that payment up to the amount of the claim we
paid you. 
HOW GST MAY AFFECT YOUR CLAIM 
If you are entitled to claim an input tax credit in respect of a
cost for which a claim is made, or would be entitled to an input
tax credit if you were to incur the relevant cost (i.e. in replacing
a lost or stolen item), the amount we would otherwise pay will
be reduced by the amount of that input tax credit. 
FRAUD 
When making a claim you have a responsibility to assist us and
to act in an honest and truthful manner.
If any claim is fraudulent in any way or if you or anyone acting
on your behalf uses fraudulent means to make a claim on
the cover described in this booklet, then no payment will be
made in regard to the claim. Also ANZ will be informed of
the situation and you may no longer be eligible for the cover
described in this booklet.

83 
COMPLAINTS AND DISPUTES 
If you are dissatisfied with our service in any way, please contact
us using the details on the inside front cover of this booklet and
we will attempt to resolve the matter in accordance with our
internal dispute resolution procedures.
If we do not make a decision within the period that we tell you
we will respond, we will tell you about your right to lodge a
complaint with an external dispute resolution scheme.
If you are not happy with our response, you can refer your
complaint to AFCA subject to its terms of reference. AFCA
provides a free and independent dispute resolution service for
consumers who have general insurance disputes falling within
its terms. AFCA’s contact details are: 
The Australian Financial Complaints Authority 
Online:   www.afca.org.au 
Phone:   1800 931 678 
Email:   info@afca.org.au 
Mail:   GPO Box 3 Melbourne VIC 3001
For more information on how we handle complaints you can
request a copy of our procedures, using our contact details on
the inside front cover. 
GENERAL INSURANCE CODE OF
PRACTICE 
The General Insurance Code of Practice was developed by
the Insurance Council of Australia to further raise standards of
practice and service across the insurance industry. The Code
Governance Committee (CGC) is an independent body that
monitors and enforces insurers’ compliance with the Code.
You can obtain more information on the Code of Practice and
how it assists you by contacting us. Contact details are provided
on the inside front cover of this booklet. For more information
on the Code Governance Committee (CGC) go to
www.insurancecode.org.au.
ANZCCINAC 06/2024 IMP3485

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.   Australian Credit Licence Number 234527. Item No. 97968 04.2024 WZ139132 
anz.com

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# Source: https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf

ANZ CONSUMER CREDIT CARDS
FEES AND CHARGES 
25 AUGUST 2026 
ANNUAL FEES AND REWARDS PROGRAM SERVICES FEES 
Credit Card Types 1   Annual Fee   Rewards Program
Services Fee
(per cardholder) 2 
Total Fee 3   Additional
Cardholder Fee 
ANZ First   $30   -   -   - 
ANZ Low Rate   $58   -   -   - 
ANZ Platinum   $87 4   -   -   - 
ANZ Rewards Platinum   $94   $55   $149   $10 
ANZ Rewards Black   $320   $55   $375   $10 
ANZ Frequent Flyer Platinum   $240   $55   $295   $10 
ANZ Frequent Flyer Black   $370   $55   $425   $10 
Cards no longer on offer 
ANZ Visa PAYCARD   $24   -   -   - 
ANZ Rewards Visa PAYCARD   $10   $22   $32   - 
ANZ Free Days Mastercard®   $26   -   -   - 
ANZ First Low Interest   $26   -   -   - 
ANZ Low Interest Mastercard®   $26   -   -   - 
ANZ Balance Visa   $57   $22   $79   $10 
ANZ Low Rate Platinum   $99   -   -   - 
ANZ Frequent Flyer   $40   $55   $95   $10 
ANZ Rewards   $40   $55   $95   $10 
ANZ Rewards Travel Adventures   $120   $55   $175   $10 
OTHER FEES 
Balance Transfer Fee 
We may charge a Balance Transfer Fee on any promotional Balance Transfer offers you accept in the future. Details of the fee
will be set out in the terms of the offer.

Cash Advance Fee 
Any transaction on your account which is a Cash Advance attracts a fee. The fee applies even if your account has a positive
balance. A Cash Advance is not just a cash withdrawal. Transactions which are Cash Advances are described in ANZ’s Credit
Cards Conditions of Use. 
We charge a 3% *   fee, subject to: 
•   a maximum fee of $20 * ; and 
•   a minimum fee of $3 * . 
See your letter of offer for details as to how we calculate the fee. For ANZ Rewards Travel Adventures cards, we won’t charge
a Cash Advance Fee on cash withdrawals made from a branch or ATM located outside Australia. 
* On and from 28 October 2026 the Cash Advance Fee will increase from 3% to 3.5%, the minimum Cash Advance Fee will increase from
$3 to $4, and the maximum Cash Advance Fee will increase from $20 to $50. 
Overlimit Fee   $20 
We charge an Overlimit Fee if: 
•   we allow you to exceed your credit limit so that a debit can be processed; and 
•   you have consented to being charged the Overlimit Fee (or if your account was opened before 18 June 2012, you have
not opted out of the overlimit fee, or if you have opted out, you have since consented), and have not withdrawn that
consent, at the time we allow the overlimit. 
The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account. 
Instalment Plan Fee 
We may charge an Instalment Plan Fee on any promotional Instalment Plan offers you accept in the future. Details of the
fee will be set out in the terms of the offer (and may for example be for a fixed amount or calculated as a percentage of the
balance being transferred to the Instalment Plan). 
Overseas Transaction Fee 
We charge 3.5% of any overseas transaction using your ANZ Credit Card. The amount on which the fee is charged may
include fees and other charges related to the overseas transaction (excluding any Cash Advance Fee that may be charged).
Overseas Transaction Fees are not charged on ANZ Rewards Travel Adventures Credit Cards. 
See your letter of offer for details (including how we calculate the fee and when it applies). 
Late Payment Fee   $20 
We charge a Late Payment Fee if you don’t pay the “Minimum Monthly Payment” plus any amount “Payable Immediately”
shown on your statement by the “Due Date” shown on that statement. Late Payment Fees are not charged if you hold an
ANZ Access Basic Account. 
Priority Fee   $50 
We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority. 
ATM Fees and Other Fees & Charges 
While as an ANZ customer we do not charge you ATM fees for balance enquiries, or for withdrawals for non-ANZ ATMs
in Australia, you may be charged a fee by the operator of a non-ANZ ATM (whether in or outside Australia) for a balance
enquiry or withdrawal at the ATM. A surcharge may also be imposed for some ATM or branch withdrawals outside Australia
and some EFTPOS transactions. You may have to pay a Cash Advance Fee or Overseas Transaction Fee on ATM fees. 
Other people involved in a transaction may also impose additional related charges, such as merchant surcharges or branch
fees. These fees and surcharges will be debited to your card account and will generally be included in the transaction
amount. See the applicable   ANZ Credit Card Conditions of Use (PDF)   for more information.

International Money Transfers sent overseas 
We charge for transferring money overseas electronically. 
For international money transfers, additional fees, charges and interest may apply if you use an ANZ credit card. For
example, an international money transfer from an ANZ credit card and any related fee (if applicable) will be treated as a
Cash Advance and will incur a Cash Advance fee. 
A correspondent bank may also charge a fee when making the payment to the beneficiary’s account and the beneficiary’s
bank may charge the beneficiary fee(s) for receipt of the payment. 
For more information, please visit   www.anz.com/IMT . 
FURTHER INFORMATION 
Fees are subject to change. Other fees and charges may apply. Please see the   ANZ Personal Banking General Fees and
Charges (PDF)   booklet. 
Some common fees for credit cards are referred to in this document. Please refer to the terms of your credit contract
for details. 
This document does not set out fees and charges for ANZ Plus products or services. You can find these at 
anz.com/plus . 
1   Fee waivers and promotions may apply to some products, see your letter of offer for details. 
2   The Rewards Program Services Fee includes 10% GST. 
3   The Total Fee is calculated based on no additional cardholders. 
4   The ANZ Platinum Annual Fee will be waived in the first year. In each subsequent year, if Eligible Purchases of $20,000 or more are processed
to your ANZ Platinum Credit Card Account during the relevant annual period, your next Annual Fee will be waived. The date Purchases
are processed may be different from the date they were made. The relevant annual period starts on the day after your last Annual Fee
was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum
became effective, if it is the first time we are due to charge your Annual Fee) and ends on the day your next Annual Fee would be charged.
Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest and fees. Refunds
and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous
period). If you do not make at least $20,000 of Eligible Purchases excluding refunds and reversals in the year prior to your Fee Date the
Annual Fee will be charged to your account. 
Mastercard® is the registered trademark of Mastercard International Incorporated. 
anz.com 
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.   Item No. 92188 08.2026 WZ164528

---

# Source: https://www.anz.com.au/personal/credit-cards/manage-my-card/rates-fees-terms/

[skip to log on](#skip%5Flogon) [skip to main content](#main%5Fskip) 

Important: Cash Advance Fee increases and new points earn caps from 28 Oct 2026, and complimentary insurance changes from 9 Dec 2026 and 24 Mar 2027\. [Find out more](https://www.anz.com.au/personal/credit-cards/card-changes/ "Find more about consumer card changes").

# Interest rates, fees and terms

Found a credit card that works best for you? Great! First, it’s important that you understand what you’re getting. Along with the features and benefits the card provides, you should also understand the interest rates, fees and terms and conditions that apply.

## Jump to

* [ Interest rates, fees and charges](#interestrates)
* [ Terms and conditions](#termscondition)

* [ Your questions answered](#questions)

## Credit card rates and fees

### ANZ Low rate card

| **Card**                                                                             | **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Total annual fee**                                                                                                                          |
| ------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------- |
| [ANZ Low Rate](https://www.anz.com.au/personal/credit-cards/low-interest-rate-card/) | 13.74% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                               | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                   | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                       | $58[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FLowRate%5Flow-rate-annual-fee-disclaimer) |

| [ANZ Low Rate](https://www.anz.com.au/personal/credit-cards/low-interest-rate-card/)                                                                                             |                                                                                                                                               |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------- |
| **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**         | 13.74% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)    |
| **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**     | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)    |
| **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)    |
| **Total annual fee**                                                                                                                                                             | $58[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FLowRate%5Flow-rate-annual-fee-disclaimer) |

### ANZ Low Fee cards

| **Card**                                                                              | **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Total annual fee**                                                                                                                                                                                                           |
| ------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [ANZ Platinum](https://www.anz.com.au/personal/credit-cards/low-annual-fee-platinum/) | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                               | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                   | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                       | $87 annual fee if you spend less than $20,000 a year on eligible purchases[Superscript: 4](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FLowFee%5Fanz-platinum-annual-fee-waiver-disclaimer) |
| [ANZ First](https://www.anz.com.au/personal/credit-cards/low-annual-fee-first/)       | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                               | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                   | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                       | $30[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FLowFee%5Fanz-first-interest-rate-and-fees-disclaimer)                                                                      |

| [ANZ Platinum](https://www.anz.com.au/personal/credit-cards/low-annual-fee-platinum/)                                                                                            |                                                                                                                                                                                                                                |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**         | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                                                                     |
| **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**     | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                                                                     |
| **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                                                                     |
| **Total annual fee**                                                                                                                                                             | $87 annual fee if you spend less than $20,000 a year on eligible purchases[Superscript: 4](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FLowFee%5Fanz-platinum-annual-fee-waiver-disclaimer) |

| [ANZ First](https://www.anz.com.au/personal/credit-cards/low-annual-fee-first/)                                                                                                  |                                                                                                                                                           |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**         | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                |
| **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**     | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                |
| **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                |
| **Total annual fee**                                                                                                                                                             | $30[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FLowFee%5Fanz-first-interest-rate-and-fees-disclaimer) |

### ANZ Rewards cards

| **Card**                                                                               | **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Total annual fee**                                                                                                                   |
| -------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------- |
| [ANZ Rewards Black](https://www.anz.com.au/personal/credit-cards/rewards-black/)       | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                               | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                   | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                       | $375[Superscript: 6](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee) |
| [ANZ Rewards Platinum](https://www.anz.com.au/personal/credit-cards/rewards-platinum/) | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                               | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                   | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                       | $149[Superscript: 6](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee) |

| [ANZ Rewards Black](https://www.anz.com.au/personal/credit-cards/rewards-black/)                                                                                                 |                                                                                                                                            |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------ |
| **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**         | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer) |
| **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**     | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer) |
| **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer) |
| **Total annual fee**                                                                                                                                                             | $375[Superscript: 6](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee)     |

| [ANZ Rewards Platinum](https://www.anz.com.au/personal/credit-cards/rewards-platinum/)                                                                                           |                                                                                                                                            |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------ |
| **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**         | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer) |
| **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**     | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer) |
| **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer) |
| **Total annual fee**                                                                                                                                                             | $149[Superscript: 6](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee)     |

### ANZ Frequent Flyer cards

| **Card**                                                                                             | **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Total annual fee**                                                                                                                                 |
| ---------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| [ANZ Frequent Flyer Black](https://www.anz.com.au/personal/credit-cards/frequent-flyer-black/)       | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                               | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                   | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                       | $425[Superscript: 7](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee) |
| [ANZ Frequent Flyer Platinum](https://www.anz.com.au/personal/credit-cards/frequent-flyer-platinum/) | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                               | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                   | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                       | $295[Superscript: 7](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee) |

| [ANZ Frequent Flyer Black](https://www.anz.com.au/personal/credit-cards/frequent-flyer-black/)                                                                                   |                                                                                                                                                      |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**         | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)           |
| **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**     | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)           |
| **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)           |
| **Total annual fee**                                                                                                                                                             | $425[Superscript: 7](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee) |

| [ANZ Frequent Flyer Platinum](https://www.anz.com.au/personal/credit-cards/frequent-flyer-platinum/)                                                                             |                                                                                                                                                      |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**         | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)           |
| **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**     | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)           |
| **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)           |
| **Total annual fee**                                                                                                                                                             | $295[Superscript: 7](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee) |

### Cards no longer for sale

| **Card**                                                                                                                           | **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | **Total annual fee**                                                                                                                                    |
| ---------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [ANZ Rewards Travel Adventures (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/introducing-travel-adventures.pdf) | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                               | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                   | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                       | $175[Superscript: 8](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fanz-arta-annualfee)                      |
| [ANZ Rewards (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/introducing-anz-rewards.pdf)                         | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                               | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                   | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                       | $95[Superscript: 9](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fanz-rewards-classic-annualfee)            |
| [ANZ Frequent Flyer (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/introducing-anz-ff.pdf)                       | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                               | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                   | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)                                       | $95[Superscript: 10](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Ffrequent-flyer-classic-annualfee) |

| [ANZ Rewards Travel Adventures (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/introducing-travel-adventures.pdf)                                               |                                                                                                                                            |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------ |
| **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**         | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer) |
| **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**     | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer) |
| **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer) |
| **Total annual fee**                                                                                                                                                             | $175[Superscript: 8](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fanz-arta-annualfee)         |

| [ANZ Rewards (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/introducing-anz-rewards.pdf)                                                                       |                                                                                                                                              |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------- |
| **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**         | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)   |
| **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**     | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)   |
| **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)   |
| **Total annual fee**                                                                                                                                                             | $95[Superscript: 9](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fanz-rewards-classic-annualfee) |

| [ANZ Frequent Flyer (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/introducing-anz-ff.pdf)                                                                     |                                                                                                                                                         |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Interest rate on purchases[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**         | 22.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)              |
| **Interest rate on cash advances[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)**     | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)              |
| **Interest rate on balance transfers[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fgeneral-types-of-transactions-disclaimer)** | 23.49% p.a.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fall-interest-rates-disclaimer)              |
| **Total annual fee**                                                                                                                                                             | $95[Superscript: 10](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Ffrequent-flyer-classic-annualfee) |

## Terms and conditions

It’s important that you understand your new credit card’s interest rates, fees and terms and conditions. Below is a list of terms and conditions that should be reviewed and understood when applying for a new credit card or using an existing credit card.

### General Card T&Cs

[Conditions Of Use - ANZ Credit Cards (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf)

[ANZ Consumer Credit Cards Fees and Charges (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf)

[Conditions of Use - ANZ Visa PAYCARD (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-visa-paycard-conditions-of-use.pdf)

[ANZ Personal Banking General Fees and Charges (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-banking-general-fees-charges.pdf)

### Points programs T&Cs

[ANZ Rewards – Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf)

[ANZ Frequent Flyer - Reward Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf)

Important: On 28 October 2026, we’re updating the ANZ Rewards – Rewards Program Terms and Conditions. [Find out more](https://www.anz.com.au/personal/credit-cards/card-changes/).

### Complimentary Insurance Booklets

[ANZ First Credit Cards (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf)

[ANZ Platinum and Black Credit Cards (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf)

Important: Changes will be made to the complimentary insurance available with ANZ credit card products from 9 December 2026 and 24 March 2027\. Depending on the product, these changes may include reduced cover, shorter cover periods and the removal of some complimentary insurance benefits. [Find out more](https://www.anz.com.au/personal/credit-cards/card-changes/).

### ANZ banking guides

[ANZ Financial Services Guide (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/financial-services-guide.pdf)

An understanding of what to expect from your interaction with ANZ

[ANZ Credit Guide (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-credit-guide.pdf)

To help you decided whether to enter into a credit contract with ANZ

### Forms and documents

Forms that can make managing your credit card faster, easier and more efficient.

[See all forms and documents](https://www.anz.com.au/personal/credit-cards/manage-my-card/forms-documents/)

## Your questions answered

### Cash advances

###  What is a cash advance? 

A cash advance is a debit to the credit card account that results in you receiving actual cash or a cash equivalent transaction such as the purchase of gambling chips. For example, if you take out cash from an ATM and select ‘credit’ as the account type. It also includes various other types of transactions (for example, where a credit card is used to pay a bill at a bank branch or via an approved agent of the biller i.e. tertiary fees or utility bills). It’s important, however, to note a few key facts about cash advances.

For a full list of transactions that are considered to be a ‘cash advance’, please refer to the [ANZ Credit Card Conditions Of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf).

###  Are there interest free days on a cash advance? 

Unlike your purchases, where you could get up to 55 interest-free days or up to 44 interest-free days, you start paying interest from the moment you make the cash advance. Bear in mind that the interest is charged on a daily basis.

A cash advance will always attract interest, regardless of whether you have interest free periods on your Credit Card Account. With cash advances it’s important to know that interest will generally be charged from the date of the cash advance and will continue to be charged on the outstanding cash advances balance until you pay off that transaction balance (including any previously billed interest, fees and charges) in full. 

###  Is there a limit on cash advance amounts? 

A daily limit of $1,000 per credit card applies to cash advances made at an ATM (unless you have made a special arrangement with us to change this limit). Other financial institutions, ATMs, merchants, or service providers may also impose their own minimum amounts or limits.

###  Are there any fees on a cash advance? 

Yes, a cash advance fee applies to any transaction which is a ‘cash advance’. The fee applies even if your account has a positive balance. 

Refer to the [ANZ Consumer Credit Cards Fees and Charges (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf) for information about the fee, and the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) for information about the transactions that are a ‘cash advance’.

###  What is the interest rate on a cash advance? 

If you make a credit card cash advance, you may be charged interest at a higher rate than if you made a purchase. You should understand what [interest rates](https://www.anz.com.au/personal/credit-cards/manage-my-card/rates-fees-terms/) apply to your product before making a cash advance.

###  What transactions are considered a cash advance? 

For a full list of transactions that are considered to be a ‘cash advance’, please refer to the [ANZ Credit Card Conditions Of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf).

### Interest-free periods

###  How does an interest free period work? 

We offer credit card accounts with interest free periods on purchases and some credit card accounts without. If you’re unsure whether your account has interest free periods on purchases please refer to your Letter of Offer. You may have noticed how we refer to, for example, 'up to 55-interest free days' on purchases on selected credit cards.

This refers to the maximum possible length of time between the first day of a statement period and the payment due date for that period. For example, if your credit card statement is from June 1st is to 30th, your repayment will be due on July 25th, which is 55 days after the first day of that statement.​

If your credit card account doesn’t have interest free periods on purchases, we will charge interest on the entire outstanding balance on the account (including in respect of any purchases), on a daily basis.

For more information on interest free days, please refer to the [ANZ Credit Card Conditions Of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf).

###  Why didn’t I get 55 interest-free days on my purchase? 

If your selected credit card offers up to 55 days interest-free, it does not mean you will get 55 days for every purchase. For example, if your credit card statement is from June 1st is to 30th, your repayment will be due on July 25th, which is 55 days after the first day of that statement.​

Knowing this, you might realise that not all purchases you make get 55 interest-free days. Using the example above, it depends on when that purchase was made during the statement period:

* If you made a purchase on June 1st, you’ll get the full 55 days before your bill is due.
* If you made a purchase on June 28th, you’ll have 27 days before your bill is due.

The number of days in a particular statement period will also impact your maximum interest free days (i.e. shorter and longer months).

###  How do I manage my credit card to avoid paying interest on purchases? 

If your account has interest free periods on purchases, you can avoid paying interest on the purchases balance by always paying the full Closing Balance (or the full Adjusted Closing Balance, if applicable) shown on each statement by the applicable due date. If you don’t pay the full Closing Balance (or the full Adjusted Closing Balance, if applicable) shown on a statement by the applicable due date, you will generally be charged interest on your purchases balance from the day after the Due Date shown on that statement.

###  If I don’t currently have Interest Free Days on my account, how can I regain this benefit? 

If you don’t currently have the benefit of Interest Free Days on purchases applying to your account and your account is eligible for this benefit you can regain this benefit:

* if you pay the full Closing Balance or the full Adjusted Closing Balance (as applicable) shown on your next (or any subsequent) statement by the Due Date. If you do that we won’t charge interest on your Purchases balance for the period beginning on the day after payment.
* if the Closing Balance or Adjusted Closing Balance shown on a subsequent statement is nil or a positive balance amount. In that case we won’t charge interest on the Purchases balance for the period beginning on the first day of the next statement period.

If you regain your interest free period, your statement may still include interest charged for the period before you regained it.

It also important to be aware that even if you have regained the application of your interest free period we will start charging interest again if you don’t pay the full Closing Balance or the full Adjusted Closing Balance (as applicable) shown on a statement by the Due Date

See the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) for more information.

###  How can I make full use of my interest-free days? 

* Pay the full Closing Balance (or the full Adjusted Closing Balance, if applicable) shown on each statement by the applicable due date.
* Know when your statement periods are.

### Original Credit Transactions

###  What is an Original Credit Transaction? 

An Original Credit Transaction (OCT) is a credit transaction initiated by a Visa Direct enabled merchant or other person which credits funds to an ANZ Credit Card.

###  Is there a limit on Original Credit Transactions? 

Effective on and from 24 August 2023, limits will apply to Original Credit Transactions (OCT). The limits are $2,500 per transaction, $9,950 per day and a maximum of 30 transactions per day. These limits will apply to all ANZ Consumer Credit Cards.

## Important information 

1\. For details on which transactions are purchases, cash advances or standard balance transfers for the purposes of charging interest please see the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf).

[Return](#) 

2\. The standard variable annual interest rate is 13.74% p.a. on the purchases balance, 23.49% p.a. on the cash advances balance and 23.49% p.a. on the standard balance transfers balance for ANZ Low Rate, 22.49% p.a. on the purchases balance, 23.49% p.a. on the cash advances balance and 23.49% p.a. on the standard balance transfers balance for ANZ First, 22.49% p.a. on the purchases balance, 23.49% p.a. on the cash advances balance and 23.49% p.a. on the standard balance transfers balance for ANZ Platinum, 22.49% p.a. on the purchases balance, 23.49% p.a. on the cash advances balance and 23.49% p.a. on the standard balance transfers balance for ANZ Frequent Flyer Platinum, 22.49% p.a. on the purchases balance, 23.49% p.a. on the cash advances balance and 23.49% p.a. on the standard balance transfers balance for ANZ Frequent Flyer Black, 22.49% p.a. on the purchases balance, 23.49% p.a. on the cash advances balance and 23.49% p.a. on the standard balance transfers balance for ANZ Rewards Platinum and 22.49% p.a. on the purchases balance, 23.49% p.a. on the cash advances balance and 23.49% p.a. on the standard balance transfers balance for ANZ Rewards Black. These rates are current as at today's date and are subject to change.

[Return](#) 

3\. The annual fee is currently $58 (as at today's date) but is subject to change. For applicable fees and charges please see the [ANZ Consumer Credit Cards Fees and Charges (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf).

[Return](#) 

4\. The ANZ Platinum annual fee will be waived in the first year. In each subsequent year, if eligible purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next annual fee will be waived. The date purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last annual fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your annual fee) and ends on the day your next annual fee would be charged. Eligible purchases include purchases made using your account, but exclude balance transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of eligible purchases, excluding refunds and reversals, in the year prior to your fee date, the annual fee will be charged to your account. The annual fee is currently $87 but is subject to change.

[Return](#) 

5\. The annual fee for ANZ First is currently $30, the standard annual interest rate is 22.49% p.a. on the purchases balance, 23.49% p.a. on the cash advances balance and 23.49% p.a. on the standard balance transfers balance as at today's date and is subject to change. For applicable fees and charges please see the [ANZ Consumer Credit Cards Fees and Charges (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf).

[Return](#) 

6\. For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

[Return](#) 

7\. For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call **[13 22 73](tel:132273)** for information regarding the fees that apply to their account.

[Return](#) 

8\. For ANZ Rewards Travel Adventures, a total annual fee of $175 applies, which includes a $120 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Travel Adventures, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

[Return](#) 

9\. For ANZ Rewards, a total annual fee of $95 applies which includes a $40 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on ANZ Rewards, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

[Return](#) 

10\. For ANZ Frequent Flyer, a total annual fee of $95 applies which includes a $40 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call **[13 22 73](tel:132273)** for information regarding the fees that apply to their account.

[Return](#) 

##  About us

* [ Our company](https://www.anz.com.au/about-us/our-company/)
* [ Debt Investor Centre](https://www.anz.com.au/debtinvestors/centre/)
* [ ANZ Newsroom](https://www.anz.com.au/newsroom/home/)
* [ Shareholder Centre](https://www.anz.com.au/shareholder/centre/)
* [ Environment, Social and Governance](https://www.anz.com.au/about-us/esg/)
* [ Careers](https://www.anz.com.au/careers/)
* [ Accessibility Statement](https://www.anz.com.au/about-us/accessibility-statement/)

##  Our other sites

* [ Institutional banking](https://www.anz.com.au/institutional/)
* [ Private banking](https://www.anz.com.au/private-banking/)
* [ Mobile lending](https://www.anz.com.au/personal/home-loans/get-started/mobile-lending/)
* [ Residential brokers](https://www.anz.com.au/promo/broker/)
* [ Commercial brokers](https://www.anz.com.au/business/commercial-broker/)

##  Security

* [ Security hub](https://www.anz.com.au/security/)
* [ Types of scams](https://www.anz.com.au/security/types-of-scams/)
* [ Latest security alerts](https://www.anz.com.au/security/latest-scams-australia/)
* [ Report fraud](https://www.anz.com.au/security/report-scams-fraud/)
* [ Report a lost or stolen card](https://www.anz.com.au/support/online-banking/manage-your-card/lost-stolen-card/)

##  Contacts

* [ Contact us](https://www.anz.com.au/support/contact-us/)
* [ Phone directory](https://www.anz.com.au/support/contact-us/phone-directory/)
* [ Book a branch appointment](https://www.anz.com.au/book-appointment/)
* [ Complaints](https://www.anz.com.au/support/complaints/)
* [ Financial hardship assistance](https://www.anz.com.au/support/services/financial-hardship/)
* [ Banking Code of Practice](https://www.anz.com.au/about-us/esg/fair-responsible-banking/banking-code/)

##  Connect with us

* [ Facebook ](https://www.facebook.com/ANZAustralia/ "Facebook")
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# Source: https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html

# Complimentary Lounge Invitations terms and conditions

### These terms and conditions govern Complimentary Lounge Invitations

### Effective 1 July 2026

## On this page

## Introduction

1.1 These Terms and Conditions govern Complimentary Lounge Invitations.

1.2 Eligible Customers are responsible for complying with these Terms and Conditions.

1.3 These Terms and Conditions are effective from the date of publication shown above and may be amended from time to time.

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Introduction

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## Definitions

2.1 In these Terms and Conditions, unless the context otherwise requires:

Lounge invitation definitions

Yes

No

Not applicable

Term

Definition

Invitation

means a Complimentary Lounge Invitation sent by Qantas or through an authorised third party to an Eligible Customer for Lounge Access.

Eligible Customers

means customers who have received a Complimentary Invitation directly from Qantas, received via direct transfer from another Eligible Customer, or through an authorised third party.

Eligible Flights

means the flight(s) specified in the Complimentary Lounge Invitation and excludes Group Bookings and industry discounted flights used by airline employees and beneficiaries.

Eligible Lounge

means the relevant departure lounge specified in the Complimentary Lounge Invitation.

Lounge Access

means access for Eligible Customers to an Eligible Lounge before the next onward Eligible Flight on that day.

Portal

is the [Complimentary Lounge Invitation portal](https://www.qantas.com/en-au/at-the-airport/lounges/passes/using-your-invitations) where Complimentary Lounge Invitations may be viewed and linked to an Eligible Flight.

Qantas (also referred to as 'us')

means Qantas Airways Limited ABN 16 009 661 901.

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## Using an invitation

3.1 Invitations are sent to Eligible Customers at Qantas' absolute and sole discretion and Qantas can withdraw Invitations at any time. Invitations are only for Eligible Customers and Eligible Customers cannot bring guests, including children.

3.2 Eligible Customers who have received an Invitation will be able to view it in the Complimentary Lounge Invitation Portal. The Portal may include information about:

(a) Eligible Flights,  
(b) Eligible Lounges, and  
(c) Conditions relating to the use of the Complimentary Lounge Invitations.

3.3 Eligible Customers must link the Invitation to an Eligible Flight in the Portal at least 24 hours prior to flight departure. Invitations can only be used and linked once. It is the responsibility of Eligible Customers to ensure that they link their Invitation correctly and no changes can be made after Invitations have been linked, unless specified otherwise in these Terms and Conditions.

3.4 Once an Invitation has been linked to an Eligible Flight, Eligible Customers will receive an email confirmation which must be presented at the Eligible Lounge together with the boarding pass for the Eligible Flight.

3.5 It is the responsibility of the Eligible Customer to review lounge location and operating hours prior to arrival at the airport.

3.6 Invitations cannot be reinstated and are forfeited where the Eligible Customer has had a change of mind ('no show') and does not access the lounge on the day of the Eligible Flight.

3.7 Eligible Customers can access the Eligible Lounge on the day of the Eligible Flight, before departure. Lounge access is subject to space availability and Eligible Customers may be refused entry if the lounge is full. A reinstatement of the Complimentary Lounge Invitation is permitted in this situation. Entry is subject to space availability and lounge staff have full discretion to deny lounge entry due to capacity or operational reasons.

3.8 Complimentary Invitations can only be transferred by an Eligible Customer to a passenger(s) travelling on the same flight as the pass holder. This excludes Platinum One lounge passes.

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## Unlinking a Complimentary Invitation - changes by an Eligible Customer

4.1 If an Eligible Customer changes the Eligible Flight (where permitted) up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible Flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

4.2 If an Eligible Customer cancels the Eligible Flight (where permitted) up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

4.3 Invitations will become invalid and will be forfeited:

(a) when an Eligible Customer changes or cancels an Eligible Flight within 24 hours of scheduled departure;  
(b) when an Eligible Customer links an Invitation to an Eligible Flight but does not access the Eligible Lounge; or  
(c) on expiry of the Invitation.

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## Unlinking a Complimentary Invitation - changes by Qantas

5.1 If Qantas changes the Eligible Flight up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible Flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

5.2 If Qantas cancels the Eligible Flight up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

5.3 If Qantas changes the Eligible Flight within 24 hours of scheduled departure, the Invitation will be automatically linked to a new Eligible Flight.

5.4 If Qantas cancels the Eligible Flight within 24 hours of scheduled departure, Eligible Customers can request for the Invitation to be reinstated.

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## Expiry

6.1 The expiry date of an Invitation can be found in the Portal.

6.2 Invitations must be used before the expiry date.

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## Accessing the Eligible Lounge

7.1 Lounge Access is subject to these Terms and Conditions and to the [Lounge entry terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/entry-terms-post-jul-2026).

7.2 Where Eligible Customers are declined Lounge Access due to capacity or operational reasons, they may request for a reinstatement of the Invitation, which is at Qantas' reasonable discretion.

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## Other Conditions

8.1 Invitations cannot be sold or exchanged for Cash or Qantas Points.

8.2 Qantas may withdraw Invitations at any time if an Eligible Customer materially breaches these Terms and Conditions or the Lounge entry terms and conditions.

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Other Conditions

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# Source: https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/terms-conditions.html

# Qantas Club (1, 2 or 4-year) membership terms and conditions

### These Terms and Conditions and the Lounge entry terms and conditions govern Qantas Club memberships and the use of The Qantas Club facilities (by both Members and their guests as applicable).

### Effective prior to 11 December 2025

For Qantas Club membership terms (1 or 2-year) effective 1 July 2026, see [terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/membership-terms-post-jul-2026).

For Qantas Club membership terms (1 or 2-year) effective 11 December 2025 to 30 June 2026, see [terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/membership-terms-post-dec-2025).

For Qantas Club Flexible membership terms effective 1 July 2026, see [terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/flexible-membership-terms-post-jul-2026).

## On this page

## 1\. Introduction

1.1 These Terms and Conditions and the Lounge entry terms and conditions govern membership of The Qantas Club and the use of The Qantas Club facilities (by both Members and their guests as applicable).

1.2 Each Member of the Qantas Club is responsible for complying with, and ensuring that their lounge guests comply with, these Terms and Conditions and the Lounge entry terms and conditions.

1.3 These Terms and Conditions are effective from the date of publication shown above and may be amended from time to time.

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## 2\. Definitions

2.1 In these Terms and Conditions, unless the context otherwise requires:

Term definitions used for the Qantas Club

false

Yes

No

Not applicable

Term

Definition

Annual Guest Card

means a card issued by Qantas to a Member entitling the Member to one additional guest.

Benefits

means any of the lounges or other facilities, discounts, services or arrangements offered or provided to the Member from time to time by Qantas as a result of membership in the Qantas Club.

Business Area

means a non-reserved area or section located within a Qantas Club lounge that is dedicated to Members' use for general business purposes.

Card

means the Qantas Club membership Card issued to the Member (including the Qantas Club Interim Membership Card).

Events Outside of Qantas’ Control

include, but is not limited to the following events:  
(a) infectious disease, epidemics and pandemics;  
(b) government actions, national emergencies or labour shortages; and  
(c) natural disasters or acts of war.

GST

means any goods and services tax, value added tax or sales tax imposed on the sale or supply of goods, services and rights including but not limited to a tax imposed by the A New Tax System (Goods and Services Tax) Act 1999 (C'th) and the related imposition Acts of the Commonwealth.

Guest Pass

means a pass issued at the discretion of Qantas permitting entry to a lounge and/or use of Qantas Club facilities by a guest of a Member on such terms and conditions as Qantas may determine and includes Annual Guest Cards.

Including

means including without limitation.

Jetstar

means Jetstar Airways Pty Limited ABN 33 069 720 243.

Lounge Entry Terms and Conditions

means the conditions available at <https://www.qantas.com/en-au/at-the-airport/lounges/entry-terms-post-jul-2026>

Member

(also referred to as 'you' or 'your') means a person who is a member of the Qantas Club at the relevant time.

Partner

means the spouse, or partner in a de facto relationship (within the meaning of the Family Law Act 1975 (C'th), who resides at the same address as the Primary Member.

Partner Lounge

means a lounge operated by another airline or other third party with which Qantas has an agreement for use of the lounge or other facilities by Members. A list of Qantas Club Partner Lounges can be found on [qantas.com.](https://www.qantas.com/au/en.html)

Partner Service

means those suppliers with which Qantas has an agreement for the supply of goods or services to Members as Benefits.

Primary Member

means a Member at whose address a Partner Member or an applicant for Partner membership resides.

PIN

means Personal Identification Number, which is issued to the Member by Qantas.

Qantas (also referred to as 'us')

means Qantas Airways Limited ABN 16 009 661 901.

Qantas Club Service Centre and Qantas Club Contact Centre

means the centres operated by or on behalf of Qantas where membership information is processed and the Qantas Club is administered.

QantasLink

means the airline services branded 'QantasLink' which may be operated by Eastern Australia Airlines Pty Ltd ABN 77 001 599 024, Sunstate Airlines (Qld) Pty Ltd ABN 82 009 734 703 or National Jet Systems Pty Ltd ABN 11 008 279 203.

Qantas Group

means all the Qantas Group Companies.

Qantas Group Company

means Qantas or any related body corporate (as that term is defined in the Corporations Act 2001 (Cth) of Qantas from time to time.

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2\. Definitions

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## 3\. Types of membership

3.1 Individual membership may be purchased by individuals who are at least 18 years of age. Qantas Club memberships established through Qantas Business Rewards are Individual memberships.

3.2 Group or Corporate membership is open to groups, companies, businesses and organisations under the following conditions:

(a) For Group memberships, a minimum number of individuals (being no less than 10 in the first year from scheme start date, no less than eight members from the start of the second year to the end of the second year from scheme start date, and no less than six members from the start of the third year onwards from the scheme start date, unless otherwise specified by Qantas) must be enrolled in the Qantas Club at the same time in relation to that group, company, business or organisation.

(b) Membership can be transferred to another employee or member of the same group, company, business or organisation by contacting the Qantas Club Service Centre and returning the individual's Card to the Qantas Club Service Centre together with the applicable administration fee for reissue of the Card in another name. The transfer will only be completed once the return of the member Card is received by Qantas and the applicable administration fee processed. The return address for the member Card is: Qantas Frequent Flyer, GPO Box 4357, Melbourne VIC 3001.

(c) As part of the joining and membership renewal process, each individual may be required to quote the Group or Corporate Scheme Number issued by Qantas to the relevant group, company, business or organisation.

(d) Partner memberships are available under the following conditions:

(e) Partner membership is available only while the relevant Primary Member remains a Member whose account is not in default.

(f) The Partner's membership period must be equal to or less than the membership period of the Primary Member.

(g) Partner membership is available only while the Partner resides at the same address as the relevant Primary Member.

(h) Only one Partner membership is permitted per Primary Member.

(i) A Partner Member who ceases to reside at the same address as the Primary Member must return their Card to the Qantas Club Service Centre and either relinquish their membership or pay the pro rata difference between the Partner and Primary Member.

(j) A person cannot become a Partner Member until any existing Partner in relation to that Primary Member has returned their Card and ceased to be a Partner Member.

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## 4\. Changes to the Benefits, Terms and Conditions or Lounge entry terms and conditions

4.1 Qantas reserves the right at all times to vary the Benefits, these Terms and Conditions and the [Lounge entry terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/entry-terms-post-jul-2026), and the Benefits offered in any way including by:

(a) opening new lounges or other facilities;

(b) closing or ceasing to operate lounges or other facilities;

(c) changing the way lounges or other facilities are operated, including contracting any third party to provide the facility or any goods or services;

(d) varying the hours of operation of any lounge or other facility;

(e) varying the layout, location or other aspects of the facilities including the types of refreshments that are available and the times during which they are available; and

(f) imposing restrictions on the use of facilities, goods or services by a Member or group of Members as may reasonably be deemed by Qantas to be necessary or convenient for the orderly administration of the Qantas Club and associated facilities;

4.2 Qantas will give notice of any material changes to these Terms and Conditions, Lounge entry terms and conditions and Benefits that will apply to a Member's then current membership period by providing a written notice by email or mail to an address provided to Qantas by the Member, as well as by publishing the changes on the Qantas Club pages of qantas.com. Qantas will advise Members of such changes with at least 30 days' notice.

4.3 Subject to clause 4.4, if Qantas closes a Qantas operated airport lounge in a Member's registered city of residence without replacing it, or amends these Terms and Conditions, the Lounge entry terms and conditions or Benefits in a material way or in a way that deprives the Member substantially of the intended use of the membership, the Member will have the option of cancelling their membership and receiving a pro rata refund of the membership fee for the remaining period of membership.

4.4 If due to Events Outside of Qantas’ Control, Qantas does not operate the airport lounge in a Member’s registered city of residence, that deprives the Member substantially of the intended use of the Membership, the Member may be entitled to a form of compensation, subject to Qantas’ reasonable discretion, including, but not limited to an extension or membership freeze.

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## 5\. Membership

5.1 Should you indicate to us within two weeks of joining the Qantas Club that you would like to withdraw from being a Member we will cancel your membership and refund your money provided you have not used your membership.

5.2 Upon joining the Qantas Club, each Member will be assigned a membership number and issued with a Card, and can select their own, or be assigned, a PIN. The Card and PIN, along with the Membership number, Member’s surname, Member’s mother’s maiden name, Member’s date of birth and recent travel details, may be used for security of the Member’s membership information and Qantas Frequent Flyer Award redemption processing.

5.3 It is the Member's responsibility to ensure the Card and PIN are kept secure. Never write it down and, if you change your PIN avoid choosing obvious numbers like your date of birth or part of your phone number.

5.4 Individual Members must enrol separately and may hold only one membership of the Qantas Club at any time. Member Cards must not be shared with other individuals at any time, including Partners and guests.

5.5 If you do not renew your Qantas Club membership after 90 days of the expiry date of your current membership, you will need to re-join the Qantas Club and a joining fee will apply in addition to the new member Individual, Partner or Corporate membership fee. If your membership has expired and you renew your membership within 90-days of the expiry date, your membership will be valid for 12 months, 2 or 4 years (depending on the term of your membership) from the date of renewal.

5.6 Each Member is responsible for advising the Qantas Club in writing of any change of name or address. Documentation verifying a name change is required. The Member's mailing address will be used to determine their eligibility for promotions and other offerings.

5.7 Membership will terminate automatically on the death of a Member. Qantas will terminate the Member's account on receipt of notification of the death of the Member.

5.8 Executors or administrators of a Member's estate may (in writing and with provision of proof of the Member’s death and their status as executor or administrator), request Qantas to provide a pro rata refund of the membership fee for the remaining period of membership after the date of termination. Qantas will facilitate this pro rata refund if it reasonably believes the request is valid and lawful, sufficient proof has been provided, and the written request was made within 12 months of the Member’s death.

5.9 Except as specified in these Terms and Conditions including in certain circumstances described in clauses 8.4 and 8.5, membership is non-refundable and not transferable, notwithstanding the Member’s termination of membership in the Qantas Club.

5.10 Members and their guests must not:

(a) act in any way which breaches these Terms and Conditions, the [Lounge entry terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/entry-terms-post-jul-2026) or the Qantas Conditions of Carriage;

(b) engage in other unacceptable conduct against a Qantas Group Company or a Partner Lounge operator, including by:

(i) engaging in illegal, dishonest or fraudulent activities;

(ii) supplying or attempting to supply false or misleading information, or making false or misleading misrepresentations;

(iii) acting in a hostile, abusive or aggressive way towards any Qantas Group Company staff or the staff of any Partner Lounge operator;

(iv) acting in an unruly manner on board a flight or in any airport lounge;

(v) refusing to follow reasonable instructions from any Qantas Group Company staff or the staff of any Partner Lounge operator; or

(vi) damage any facilities, equipment or goods owned by Qantas or a third party (including another Member or a Partner Lounge operator).

Any breach of clause 5.10 will be a material breach of these Terms and Conditions.

5.11 Members may, at any time, cancel their Membership by providing written notice to Qantas.

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## 6\. Use of the Card and Benefits

6.1 By using the Benefits, the Card and/or PIN, the Member agrees to be bound by these Terms and Conditions and the [Lounge entry terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/entry-terms-post-jul-2026), and provides the consent specified in clause 12.

6.2 The Card and any Guest Pass issued are and will remain the property of Qantas and must be returned on Qantas' reasonable demand or on termination of membership, whichever happens first. A Card or Guest Pass must not be sold or copied by any person except Qantas.

6.3 The Card and membership number are valid for use only by the Member. Cards and any Guest Passes are valid for use only during the period indicated on them and are not shareable or transferable in any circumstances.

6.4 In the event of loss, theft or unauthorised use of your Card or any Guest Pass issued to you, it is your responsibility to immediately advise the Qantas Club Service Centre or, if outside Australia, your local Qantas office. Until loss, theft or unauthorised use of the Card or Guest Pass is notified to Qantas, the Member is liable for all use of the Card or Guest Pass except in circumstances where Qantas has contributed to any such unauthorised use.

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6\. Use of the Card and Benefits

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## 7\. Fees

7.1 In addition to the joining and renewal fees, Qantas reserves the right to charge a fee for any service requested by a Member in addition to the services specified in clauses 10 and 11, including:

(a) the issue of a replacement Card;

(b) the issue of Annual Guest Cards or Guest Passes; and

(c) the hiring of Qantas Meeting Rooms;

Qantas may amend the fees in accordance with clause 4.2\. Current fees are listed on the Qantas Club pages of qantas.com and are available from the Qantas Club Service Centre.

7.2 Qantas will waive the replacement Card fee under any of the following circumstances:

(a) Member changes their name by marriage, divorce or deed poll and provides the relevant documentation as well as returning the original Card to Qantas;

(b) the Card was issued with an inoperable magnetic strip and the Card is returned to Qantas;

(c) the Card has been stolen and a police report or reference number is provided to Qantas; or

(d) the Card was not received by the Member from Qantas (for example, it was lost in the mail) and the Member provides a Statutory Declaration verifying the non-receipt within two months after payment of the joining fee or requesting a replacement Card.

7.3 Life and Senior Life Qantas Club Members (that is, members with those designations who joined prior to 1 October 2007) are allowed one free replacement Card every two years. Requests for additional replacement Cards will require payment of the replacement Card fee.

7.4 All Qantas Club fees are inclusive of any applicable GST. The Member is responsible for any additional costs, charges, taxes, claims or other liabilities (including any applicable fringe benefits tax) arising from their use of the Benefits or any other goods or services offered or provided in connection with their membership.

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## 8\. Liability

8.1 Some of the goods or services which are offered or provided to Members or their guests in addition to the Benefits offered or provided by Qantas are supplied by third party suppliers. The provision of those goods or services will be subject, in each case, to the terms and conditions of the suppliers available via the Qantas Club Service Centre and any claims relating to the supply of those goods or services should be made to the supplier.

8.2 Qantas will not be liable for refusal by any third party to accept or honour the Card nor will Qantas be liable for any loss or damage suffered in relation to the supply of goods or services by third parties.

8.3 Access to a Business Area or the Internet may be available in a Qantas Club lounge. Qantas may not supervise the use of and does not guarantee the security or quality of, this equipment. Qantas is not liable for any third party content on the Internet that the Member or their guests may find offensive, upsetting or defamatory. The Member is responsible for maintaining the security of all log-in identification information made available to them to access the Business Area systems or the Internet. Qantas is not liable for any personal security breaches suffered by the Member or their guests when using Business Area equipment or the Internet or for any loss or damage suffered as a result of the unavailability of the Business Area equipment or the Internet, including interruptions during use.

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## 9\. Suspension and Termination

9.1 Qantas reserves the right to terminate or cease to operate the Qantas Club at any time. Qantas will give at least six months notice to Members if such termination or cessation, except Qantas ceases to operate an airline business in which case the Qantas Club will cease immediately. Qantas will give such notice of by providing a written notice by email or mail to an address provided to Qantas by the Member, as well as by publishing the changes on the Qantas Club pages of qantas.com. Members will be entitled to claim a pro rata refund of the membership fee for any remaining period of membership after the date of termination.

9.2 Qantas reserves the right, acting reasonably, to suspend the relevant membership or Benefits (available to Members and their guests) following a material breach of these Terms and Conditions. If the Member or their guests is reasonably suspected to have facilitated or been involved in the specified activity, the Member or their guests will then have 7 days to respond to the notice by providing an explanation for the specified activity, rectifying the identified breach (where possible) and providing any reason why Qantas should remove the suspension and not take any further action. Qantas will review any response provided by the Member or their guests and determine, acting reasonably, whether the response is acceptable.

9.3 Qantas will advise the Member or their guests of the outcome of the process in clause 9.2, which may include Qantas:

(a) removing the suspension with no further action;

(b) acting reasonably, enforcing the suspension for a specified period of time; or

(c) acting reasonably, terminating the Member’s membership.

9.4 In the event that membership is suspended or terminated because the Member has committed a material breach of these Terms and Conditions as described in clause 5.10, a pro rata refund of the membership fee will be made for any remaining period of membership from the suspension or termination date, subject to Qantas’ reasonable discretion.

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9\. Suspension and Termination

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## 10\. Access to lounges

10.1 Subject to these Terms and Conditions and [Lounge entry terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/entry-terms-post-jul-2026), Qantas Club Members are entitled to access a Qantas Club lounge in the departure port when the Member's next onward flight on that day is with Qantas or Jetstar.

10.2 Unless otherwise permitted by Qantas, Members who are also airline industry staff, including their families and travel companions, are not eligible to access lounges when travelling on industry discounted tickets.

10.3 Guests in international and domestic Qantas Club lounges must be on an eligible flight on the same day. Further information on guest eligibility is [available here](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/access).

10.4 Subject to clause 10.5, there is a limit of one guest per Member in all lounges, except that, in respect of Qantas operated lounges:

(a) Annual Guest Card holders are entitled to one additional guest;

(b) Platinum and Platinum One Members may be accompanied by up to two guests in Australian domestic lounges;

(c) Qantas may limit the number of child guests per Member to two. Child guests for the purposes of these Terms and Conditions are children aged between 4 and 17 years old, and

(d) Children aged between 0 and 3 years are provided with complimentary access.

10.5 Qantas Club staff have the discretion to refuse entry to any Member or guest at any time if, in their reasonable opinion, the Member has not or will not comply with these Terms and Conditions or the [Lounge entry terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/entry-terms-post-jul-2026).

10.6 Entry to Partner Lounges is subject to the individual lounge operator's entry conditions and space availability. The restriction of a maximum of one guest per Member applies, unless otherwise determined by the lounge operator.

10.7 Access policies for the use of Partner Lounges may vary between lounges. Current information can be obtained from the Qantas Club Service Centre.

10.8 Individual lounge opening hours may vary by location.

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## 11\. Qantas Frequent Flyer Program

11.1 Membership of the Qantas Club entitles Members to complimentary membership of the Qantas Frequent Flyer program.

11.2 The Member must inform the Qantas Club Service Centre in writing if they do not wish to accept the complimentary membership in the Qantas Frequent Flyer program, unless the Member already holds Qantas Frequent Flyer membership.

11.3 The Member's participation in the Qantas Frequent Flyer program is governed by the Terms and Conditions of the Qantas Frequent Flyer program available on qantas.com at the time of joining the Qantas Club.

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11\. Qantas Frequent Flyer Program

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## 12\. Personal information

12.1 It is a condition of membership that a Member acknowledges that Qantas will collect and use the information on your application form and other information you provide to Qantas and disclose it to Partner Lounge operators, Partner Services, and any other person (including a related body corporate, agent or contractor) for the purposes of:

(a) Qantas or any of its related bodies corporate providing services to you including the awarding of points in the Qantas Frequent Flyer program (where applicable);

(b) Qantas or any of its related bodies corporate improving Qantas customer service, including by means of research, marketing, product development and planning;

(c) Qantas marketing its products or services or the products or services of third parties; and

(d) any third party providing services to Qantas, any of its related bodies corporate or Members in connection with the administration of the Qantas Club and Qantas Frequent Flyer program (where applicable).

This information may be transferred to or from Australia for these purposes. If all or any part of the requested information is not provided by the Member, the relevant services may be affected.

12.2 If you hold a Qantas Club Corporate membership issued under a travel agreement with our corporate, business or government clients, we may collect information about your role with the client. For example, your employment type, your role and title, your employee number, your start date with the client. We may disclose your membership details and any information associated with your membership (such as incident reports) to the client.

12.3 Qantas will not otherwise disclose your personal information without your consent unless disclosure is either necessary to prevent a threat to life or health, authorised or required by law, reasonably necessary to enforce the law or necessary to investigate a suspected unlawful activity.

12.4 Qantas will provide you with access to and the ability to correct your personal information held by Qantas on request by you. Further information is contained in our [Privacy Statement](https://www.qantas.com/en-au/help/policies/privacy-and-security).

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## 13\. Interpretation and governing law

13.1 Qantas acknowledges that certain consumer protection legislation implies conditions or warranties into contracts for the supply of goods or services to consumers that cannot be excluded. For example, for consumers, services come with a non-excludable warranty that they will be provided with due care and skill. Nothing in these Terms and Conditions is intended to exclude or restrict the application of such laws.

13.2 You agree that implied terms under consumer protection laws, including the New Zealand Consumer Guarantees Act 1993, will not apply to these Terms and Conditions where the membership has been obtained for business purposes, provided that the relevant provisions may by law be excluded.

13.3 If part or all of any clause of these Terms and Conditions is illegal, invalid or unenforceable then it will be read down to the extent necessary to ensure that it is not illegal, invalid or unenforceable, but if that is not possible, it will be severed from these Terms and Conditions and the remaining provisions will continue to apply.

13.4 These Terms and Conditions are governed by and will be construed in accordance with the laws applicable in Australia, irrespective of where the application for membership has been completed by the Member or submitted to Qantas. Any action or other legal process in connection with these Terms and Conditions against Qantas will, unless otherwise agreed by Qantas, be instituted and carried on only in the appropriate court in Australia.

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## Related information

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* [/content/qcom/en-au/at-the-airport/lounges/qantas-club/membership-terms-post-dec-2025](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/membership-terms-post-dec-2025)
* [/content/qcom/en-au/at-the-airport/lounges/qantas-club/flexible-membership-terms-pre-dec-2025](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/flexible-membership-terms-pre-dec-2025)
* [/content/qcom/en-au/at-the-airport/lounges/qantas-club/flexible-membership-terms-post-dec-2025](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/flexible-membership-terms-post-dec-2025)