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# ANZ Rewards Platinum credit card

Choose between two great offers when you take up a new ANZ Rewards Platinum credit card:

## Which offer will you choose?

**Velocity Frequent Flyer Points offer**

Earn up to 80,000 bonus Velocity Points plus $50 back

**ANZ Reward Points offer**

Earn up to 125,000 ANZ Reward Points plus $50 back

[View both offers](#offers)  

## What to expect from this Rewards Platinum card...

### ANZ Reward Points

Earn 1.5 ANZ Reward Points for every $1 spent up to and including $2,000\*

Earn 0.5 ANZ Reward Point for every $1 spent over $2,000\*

\*per statement period, eligible purchases only

### 20.99% p.a. interest rate

on purchases

### $6,000 minimum credit limit

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

### $149 Annual Fee

## Things to consider

* A higher interest rate on purchases compared to the ANZ Low Rate card, so the ANZ Rewards Platinum 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
* A lower ANZ Reward Points earn rate compared to the ANZ Rewards Black card.

## Plus you'll also get...

### [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, plus cover for rental vehicle excess in Australia, when you purchase travel using your ANZ credit card.

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.

### [**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 and Purchase Protection Insurance.

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.

### [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.

### [24/7 Personal concierge](tel:61279070805)

Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more.

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.

### [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. And, if you need a replacement card, digital cards are faster than the post.

## Two great offers to choose from

### Velocity Points offer

Switch on auto-redemption to transfer your ANZ Reward Points to Velocity Frequent Flyer Points within 3 months from approval and keep on auto-redemption for the relevant period to earn:

**60,000 bonus Velocity Points and $50 back** to your new ANZ Rewards Platinum credit card when you spend $3,500 on eligible purchases within the first 3 months from approval

**Plus, an additional 20,000 bonus Velocity Points** when you keep the card for over 15 months from activation.

[Apply for Velocity offer](https://applyapp.anz.com/choosing-the-right-card/?sourcecode%5F1=OAWZ&producttype=RVG&schema=cola&appscode=OAXB)

New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). Auto-redemption must be kept on until points for relevant criteria have been made available for redemption.

[How to switch on ANZ Rewards auto-redemption for Velocity Points ](#howto)

### 80,000 Velocity Points could get you

You could redeem for one of the following:

* **Fly Sydney to Melbourne 13 times**  
With Virgin Australia one-way economy Reward Seats\*
* **Fly Brisbane to Bali 3 times**  
With Virgin Australia one-way economy Reward Seats\*
* **Fly Melbourne to Paris**  
With a Qatar Airlines one-way economy Reward Seat.\*

\*Taxes, fees and carrier charges apply in addition to Velocity Points redeemed. The above examples are an approximate guide only and are subject to change.

### ANZ Reward Points offer

#### Earn up to 125,000 extra ANZ Reward Points and $50 back to your new card:

**Earn 85,000 extra ANZ Reward Points and $50 back** to your new ANZ Rewards Platinum card when you spend $3,500 on eligible purchases in the first 3 months from approval

**Plus, earn an additional 40,000 extra ANZ Reward Points** when you keep the card for over 15 months from activation.

[Apply for ANZ Rewards](https://applyapp.anz.com/choosing-the-right-card/?sourcecode%5F1=OAWF&producttype=RVG&schema=cola&appscode=OAWH)

New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).

### 125,000 ANZ Reward Points could get you

You could redeem them for one of the following:

* **A minimum of $500 worth of digital gifts cards**  
that can be used at 25 leading retailers, including Amazon, Woolworths, Myer and a whole lot more
* **$500 ANZ Cashback**  
which can be used to either reduce your ANZ Rewards credit card balance or be credited to an eligible ANZ bank account

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

## How to set up auto-redemption for Velocity Points

Follow these three easy steps to switch on and keep on auto-redemption for the bonus Velocity points offer:

### Activate and join

Welcome to the club. You’ll need to activate your new credit card and ANZ Rewards account and join Velocity Frequent Flyer.

* Activate your new ANZ Rewards Platinum credit card when you receive it
* Activate your ANZ Rewards account through Internet Banking or App and join Velocity Frequent Flyer (if you haven’t already).

Velocity Membership Terms and Conditions apply.

### Set up auto-redemption for Velocity

Ensure you switch on auto-redemption to redeem your ANZ Reward Points for Velocity Points within 3 months of approval:

* Log into your ANZ Rewards account through Internet Banking or App when prompted
* Switch on auto-redemption and enter your Velocity membership number
* Press Submit then review and confirm your auto-redemption.

### Keep auto-redemption on

To claim the **60,000 bonus Velocity Points and get $50 back**, keep auto-redemption on to redeem your ANZ Reward Points for Velocity Points until you receive a redemption email or SMS, which will include a Reward Code to claim your 60,000 Velocity Points.

Minimum spend criteria also applies

To claim your additional **20,000 bonus Velocity Points**, keep auto-redemption on to redeem your ANZ Reward Points for Velocity Points until you receive a redemption email or SMS, which will include a Reward Code to claim your 20,000 Velocity Points.

Card retention criteria also applies

## Rates and fees

**$6,000** Minimum credit limit

**Up to 44** Interest-free days on purchases

#### Standard interest rates

**20.99% p.a.** on purchases

**21.99% p.a.** on cash advances

**21.99% p.a.** on balance transfers

#### Annual fees

**$149** Annual Fee  
(includes $94 Annual Fee and $55 Rewards Program Service Fee)

**Up to 9** additional cardholders  
for $65 per Additional Cardholder annually

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).

## Eligibility

### Who can apply?  

To apply for an ANZ Rewards Platinum 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

**Not sure if you’re eligible?**

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

## Get started online

### Apply online

[Apply for Velocity Offer](https://applyapp.anz.com/choosing-the-right-card/?sourcecode%5F1=OAWZ&producttype=RVG&schema=cola&appscode=OAXB)

[Apply for ANZ Rewards](https://applyapp.anz.com/choosing-the-right-card/?sourcecode%5F1=OAWF&producttype=RVG&schema=cola&appscode=OAWH)

**You’ll need:**

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

## See our other Rewards and Frequent Flyer credit cards

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

Highest ANZ Reward Points earn rate

**$15,000**  
 Minimum credit limit

**$375**  
 Current 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/)

**Earn up to 180,000 extra ANZ Reward Points and $100 back**

Earn an extra 130,000 ANZ Reward Points and $100 back to your new card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, an additional 50,000 ANZ Reward Points when you keep the card for over 15 months from activation.

New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375).

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

ANZ's highest Qantas Points earn rate

**$15,000**  
 Minimum credit limit

**$425**  
Current annual fee

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

**Earn up to 130,000 bonus Qantas Points!** 

Earn 90,000 bonus Qantas Points and $200 credit back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months.

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425).

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

Uncapped Qantas Points earn rate

**$6,000**  
 Minimum credit limit

**$295**  
Current annual fee

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

**Earn 75,000 bonus Qantas Points and $100 credit back to your new credit card**

when you spend $2,500 on eligible purchases in the first 3 months from approval of your new ANZ Frequent Flyer Platinum credit card.

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295).

## 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/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.

### [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/credit-card/#verified)

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

Some added peace of mind to securely shop online.

### Choose the card for you

Compare each card’s features, considerations and fees to help you choose.

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

## Your questions answered

### Rewards Points

### [ How do I redeem my ANZ Reward Points?](#) 

You can redeem your Reward Points at the ANZ Rewards website accessed from the ANZ App or ANZ Internet Banking. Alternatively, you can call the ANZ Rewards Centre on [1300 367 763](tel:1300367763), Monday to Friday, 8am to 8pm (AEST). 

### [ What can I redeem my ANZ Reward Points on?](#) 

You can redeem your ANZ Reward Points for:

* [gift cards](https://www.anzrewards.com/gift%5Fcard/listing) at a range of retailers, including Apple, Bunnings, Myer, Woolworths and Uber
* [ANZ Cashback](https://www.anzrewards.com/redeem%5Fcash/checkout), 1,250 Reward Points = $5 ANZ Cashback,

### [ How do I check how many ANZ Reward Points I have?](#) 

You can check and redeem your ANZ Reward Points at the [ANZ Rewards website](https://www.anzrewards.com/) accessed from the ANZ app or ANZ Internet Banking. Alternatively, you can call the ANZ Rewards Centre on [1300 367 763](tel:1300367763), Monday to Friday, 8am to 8pm (AEST). 

### [ Do ANZ Reward Points expire?](#) 

ANZ Reward Points must be used to claim a reward within 36 months of 31 December of the year in which the Reward Points were added to a points record. Reward Points that remain unused after that period will be cancelled. In the event your ANZ Rewards account is closed, any Reward Points that remain unused must be used within 90 days of the date of closure. Reward Points that remain unused after that period will be cancelled.

Please refer 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) for further conditions on when we may cancel Reward Points.

### [ What is an eligible purchase?](#) 

Most every day purchases are eligible purchases. Certain transactions and other items are not eligible to earn ANZ Rewards Points. Examples of transactions and other items which will not earn ANZ Reward 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 which are not eligible to earn ANZ Reward Points and how these transactions are identified please refer to the [ANZ Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf).

### [ Where can I find more information on the ANZ Rewards Program?](#) 

Please visit [www.anzrewards.com/faq](https://www.anzrewards.com/faq) for further information.

### Overseas Transaction Fee change

### [ What change to refunds for Overseas Transaction Fees is occurring?](#) 

Effective from **8 December 2025**, where an overseas transaction is reversed (for example, where the transaction was made in error), the associated Overseas Transaction Fee will also be refunded. This will apply to any reversed overseas transactions processed to your account on or from 8 December 2025.

### [ Will I be refunded the Overseas Transaction Fee for an associated overseas transaction that is _reversed_?](#) 

Yes. Effective 8 December 2025, where an overseas transaction is reversed (for example where the transaction was made in error), the associated Overseas Transaction Fee **will also be** refunded.

It’s important to note that this will apply to reversed overseas transactions processed to your account on or from 8 December 2025.

For example, if you make an overseas transaction on 1 November 2025 and the transaction is processed to your account on 4 November 2025, an Overseas Transaction Fee of 3.5% will be charged. If the overseas transaction is **reversed** and processed to your account on or after 8 December 2025, the Overseas Transaction Fee **will also be** refunded.

### [ **Will I be refunded the Overseas Transaction Fee for an associated overseas transaction that is _refunded_?** ](#) 

No. This change does not impact the existing process where an overseas transaction is refunded (for example where you have returned goods or cancelled services), the associated Overseas Transaction Fee **will not be** refunded.

For example, if you make an overseas transaction on 1 November 2025 and the transaction is processed to your account on 4 November 2025, an Overseas Transaction Fee of 3.5% will be charged. If the overseas transaction is **refunded** and processed to your account either before or after 8 December 2025, the Overseas Transaction Fee **will not be** refunded.

### [ **Do I need to do anything due to the Overseas Transaction Fee change?** ](#) 

There’s no need for you to do anything as this change will automatically be applied to your account. However, it’s important you’re aware of what’s changing and how it impacts you.

## 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/)

## [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. ANZ recommends that you read the ANZ App Terms and Conditions available [here for iOS (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/ANZ-App-Current-Terms-and-Conditions-iOS.pdf) and [here 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\. 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, we will send you 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 with 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.

[Return](#) 

2\. 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.

[Return](#) 

3\. 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).

[Return](#) 

4\. Standard annual interest rate is 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance as at today's date and is subject to change.

[Return](#) 

5\. 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](#) 

6\. 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, limits and exclusions 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. 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.

[Return](#) 

7\. 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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8\. 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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9\. 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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10\. 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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11\. 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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12\. ANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Rewards or other ANZ account within 2 business days. Minimum Redemption thresholds apply.

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14\. 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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15\. 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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16\. 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.

Eligible applicants must meet the spend criteria within 3 months of 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 Qantas Points. For details see 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). The 90,000 bonus Qantas Points and $200 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $200 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 40,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. The 130,000 bonus Qantas Points will not be credited and you will not be eligible for $200 back if your ANZ Credit Card Account 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 Frequent Flyer Rewards Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) prior to the bonus Qantas Points or $200 being credited to your ANZ Credit Card Account. You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.

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17\. Offer available to new and approved applicants who apply for an ANZ Rewards Black 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. Eligible applicants must meet the spend criteria within 3 months of 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 130,000 extra ANZ Reward Points and the $100 will generally be credited to your credit card account within three months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. The 50,000 extra ANZ Reward Points will be credited to the account within 3 months of you retaining the card for over 15 months from the date of activating your card. The 180,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $100 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 Frequent Flyer or ANZ Rewards credit card in the last 24 months.

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18\. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer 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.

Eligible applicants must meet the spend criteria within 3 months of 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 Qantas Points. For details see 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). The 75,000 bonus Qantas Points and $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 75,000 bonus Qantas Points will not be credited and you will not be eligible for $100 back if your ANZ Credit Card Account 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 Frequent Flyer Rewards Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.

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19\. 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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Conversion calculation correct as of 24 July 2025\. Conversion rates subject to change. Please refer to [ANZ Rewards](https://www.anzrewards.com/) for details of current rates.

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