ANZ Rewards Travel Adventures card

Enjoy 40,000 bonus Reward Points, 0% foreign transaction fees and complimentary travel insurance.

The ANZ Rewards Travel Adventures Card has an annual fee of $120 and earns up to 1.5 reward points per $1 spent. It also offers a bonus 40,000 Reward Points if you spend $1,000 on eligible purchases in the first 3 months from approval.

20.24% p.a.

Balance transfer rate


Bonus points

20.24% p.a.

Purchase rate


Reward points

Per $ spent

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Product NameANZ Rewards Travel Adventures card
Rewards programANZ Rewards Program
Balance transfer rate20.24% p.a.
Balance transfer limit95% of available limit
Purchase rate20.24% p.a.
Annual fee$120
Interest-free periodUp to 55 days on purchases
Cash advance rate20.24% p.a.
Min credit limit$6,000
Card typeVisa
Foreign currency conversion fee0%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 40,000 bonus Reward Points if you spend $1,000 on eligible purchases in the first 3 months from approval
  • Complimentary international travel insurance
  • 0% international transaction fee on purchases
  • Up to 1.5 ANZ Reward points per $1 spent on eligible purchases


  • The spend cap of 2,000 / statement period before the lower earn rate kicks in is low.
Rewards programANZ Rewards Program
Bonus points40,000
Rewards points per $ spent1.5
Annual fee$120
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$20
Foreign currency conversion fee0%
Cash advance fee2%
Additional cardholder fee$65
Number of additional cardholders9

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

With complimentary international travel insurance and no foreign transaction fees, the ANZ Rewards Travel Adventures credit card is designed to be your travel companion. You will earn uncapped ANZ Reward Points when you use the card to make eligible purchases. If you prefer frequent flyer points, you can exchange 2 Reward Points to get 1 Velocity Point. Other options include Air New Zealand Airpoints Dollars, Singapore Airlines KrisFlyer miles and Asia Miles.

Changes from 1 December 2020

As of 1 December 2020, the ANZ Rewards Travel Adventures credit card no longer offers a complimentary Virgin Australia flight or complimentary lounge passes. The annual fee cost has also been reduced to $120 (made up of a $65 annual fee and $55 Rewards Program fee). Previously, the annual fee was a combined total of $225.

If you're an existing ANZ Rewards Travel Adventures cardholder, the latest you can request or use any lounge passes or complimentary flights is 8pm on 7 December 2020. Below, you'll find details of the card's current features from 1 December 2020.

How to apply

You can apply for the ANZ Rewards Travel Adventures card online in 5 minutes and receive a response within 60 seconds. Before you begin your application, check if you meet the eligibility requirements and have the necessary information ready to go.

Eligibility criteria

  • Residency requirement. Citizens and permanent residents of Australia are eligible to apply. If you are a non-Australian permanent resident, you must have an eligible working or business visa with at least 9 months remaining.
  • New cardholder. To be eligible for the offer, you must not hold or have held an ANZ Travel Rewards Adventures card in the previous 12 months.

Card benefits

  • 40,000 bonus Reward Points. When you apply, are approved and spend at least $1,000 on eligible purchases within the first 3 months of card membership, you will earn a bonus 40,000 Membership Rewards Points. This offer is available to new card members.
  • ANZ Reward points. Earn 1.5 Reward Points per $1 spent on eligible purchases up to $2,000 per statement period, then 0.5 Reward Points per $1 spent on eligible purchases above $2,000 per statement period. You can redeem your ANZ Rewards travel, gift cards, merchandise or exchange them for frequent flyer points with Velocity, Air New Zealand Airpoints, Singapore Airlines KrisFlyer and Asia Miles.

Rates & fees

  • Annual fee. As of 1 December 2020, the ANZ Rewards Travel Adventures card charges a $120 annual fee. This is made up of a $65 annual fee and a $55 rewards program fee.
  • Interest rates. This card charges a purchase rate of 20.24% p.a. and cash advance rate of 20.24% p.a. (variable).

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    Default Gravatar
    January 23, 2020

    I’m just wondering with the ANZ Rewards Travel Adventures card, is the free domestic flight per year based from Jan-Dec, or do you get a free flight after the anniversary of your credit card start date?

      Default Gravatar
      January 24, 2020

      Hi Meghen,

      Thank you for contacting Finder.

      The Complimentary Domestic Flight can be redeemed each year until you cancel your card. The year will begin on the day that your account was open and ends 365 days later. Remember that if were not able to claim your return domestic flight for the year, it will not be carried over for the next year.

      Please do not hesitate to reach out again if you have additional enquiries.


    Default Gravatar
    October 30, 2019

    I am an ANZ Travel Adventures cardholder. I would like to avail of the complimentary annual domestic flight. I’ve had the card for more than a year and in good credit standing. Is the 60 days prior to a return departure domestic travel advance booking a strict rule? This is not practical as these days, people usually book for travel on a short notice. Please advise.

      Default Gravatar
      October 31, 2019

      Hi Louie,

      Thanks for your comment and I hope you are doing well.

      According to the terms and conditions of this card:
      – One complimentary flight is available to the primary cardholder each year until the card is cancelled.
      – Complimentary flights are restricted to selected economy fare class on flights operated by Virgin Australia to selected domestic destinations.
      – Bookings are subject to availability and some flights may not have complimentary seats available.
      – Flights must be booked at least 60 days in advance.
      – Not to be combined with any other offer, discount or cabin class upgrades.
      – Fees may apply for excess baggage, booking changes and cancellations.
      – The complimentary flight is not eligible for Velocity Points and/or Status Credits earn.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    October 22, 2019

    Hi, does the Rewards Travel Adventures Visa Platinum credit card cover domestic family travel insurance?

      Default Gravatar
      October 23, 2019

      Hi Elena,

      Thanks for getting in touch!

      Upon checking the terms and conditions of this card, only international travel insurance covers family members (each of the spouse and/or dependants) They must also be travelling with the cardholder for at least fifty per cent (50%) of the period of cover provided to the cardholder for the cardholder’s overseas journey and other rules set by this card.

      As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    September 20, 2019

    Are there restrictions as to what constitutes an “eligible purchase”? E.g what does and doesn’t count as an eligible purchase on this card?

      Avatarfinder Customer Care
      September 22, 2019

      Hi Jack,

      Thank you for getting in touch with Finder.

      For your reference on transactions that will not earn Rewards Points from this card or “eligible purchases”, “You will not earn Rewards Points on interest charges, premiums paid for ANZ Credit Card Insurance, government charges, bank fees, payments made to the Australian Taxation Office or other taxation payments or duties, card account adjustments resulting from disputed transactions or otherwise, balance transfers or cash advances (as defined in the ANZ Credit Cards Conditions of Use) or transactions which are identified to ANZ by the relevant merchant or any intermediary financial institution as falling into one of these categories. Bonus Reward Points will not be earned in the Bonus Points Mall on the purchase of gift cards, GST or delivery and shipping charges.”

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    September 9, 2019

    I have spent more than $250 on my ANZ Travel Rewards card on an international car rental for an upcoming trip.

    My understanding is that this qualifies me for the OS Travel Insurance.

    Will I be covered for the excess payment should I have caused an accident on my trip

      Default Gravatar
      September 10, 2019

      Hi Nicholas,

      Thank you for contacting Finder.

      You may refer to our ANZ complimentary travel insurance review page to know what insurances you’re covered under. Indeed, there is coverage for the rental excess cover which will reimburse you for any excess that you will be paying in case of an accident while on your rental vehicle.

      I hope this helps.

      Please do not hesitate to reach out again if you have additional questions.


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