ANZ Rewards Travel Adventures card – Review

Get a complimentary domestic flight each year you hold the card when you spend $500 on eligible purchases in the first three months.

Earn rewards as you spend and take advantage of benefits in the air and on the ground with the ANZ Rewards Travel Adventures card. This credit card offers up to 1.5 points for every $1 spent on eligible purchases, plus 40,000 bonus Velocity Points and also provides other travel benefits when you meet the requirements.

Other complimentary extras include travel insurance, rental excess cover and a personal concierge service. Find out more, compare your options and apply for the ANZ Rewards Travel Adventures card here.

Product NameANZ Rewards Travel Adventures card
Rewards ProgramANZ Rewards Program
Purchase rate (p.a.) 20.24% p.a.
Annual fee$225 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)21.74% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$6,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$35,000
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Annual fee$225 p.a.
Minimum Monthly Repayment2% of the closing balance or $25, whichever is greater
Late Payment Fee$20
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Cash Advance Fee2%
Overseas Cash Advance Fee$0
Gambling Transactions AllowedYes
Additional Cardholder Fee$65
Number of Additional Cardholders9

Pros

  • Earn 40,000 bonus Velocity Points when you spend $500 on eligible purchases within the first 3 months.
  • Receive a complimentary domestic return flight each year when you meet the minimum spend requirements.
  • This card comes with complimentary international travel and medical insurance.
  • No international transaction fee on purchases.
  • Earn up to 1.5 reward points for every dollar spent on eligible purchases.

Cons

  • Virgin Australia lounge passes cannot be used in international lounges, partner airlines or associated lounges.
  • Standard spend cap is relatively low.
Rewards ProgramANZ Rewards Program
Bonus Points40,000 bonus points
Rewards Points per $ spent (VISA/MC)1.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the ANZ Rewards Travel Adventures card

  • Bonus points offer. Collect 40,000 bonus Velocity Points when you apply for an ANZ Rewards Travel Adventures Card, are approved and spend at least $500 on eligible purchases within the first 3 months from card approval. Terms and conditions in accordance with the Velocity Frequent Flyer Program.
  • Complimentary return domestic flight. Spend $500 on eligible purchases in the first 3 months and get a complimentary return domestic flight with Virgin Australia each year you hold the card. Note that bookings for this flight must be made more than 60 days prior to the proposed date of your departure and other terms and conditions may apply.
  • Domestic airport lounge passes. Receive two complimentary Virgin Australia domestic airport lounge passes each year you hold the card when you spend $500 on eligible purchases using the card in the first 3 months.
  • Reward points. This card has a standard earn rate of 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.
  • No overseas transaction fee. You won't be charged a foreign currency conversion fee when you make transactions in a foreign currency in-person overseas or online with an international merchant. Cash advance fees will also be waived on cash withdrawals made at ATMs or branches outside Australia.
  • Complimentary overseas travel and medical insurance. The ANZ Rewards Travel Adventures card offers comprehensive overseas travel and medical insurance when you charge at least $250 of your pre-booked trip to your account. Other terms and conditions are outlined in the ANZ and Allianz Product Disclosure Statement provided with this card.
  • Mobile payment technology. Apple Pay, Google Pay, and Samsung Pay let you use your Apple, Android or Samsung device to tap and pay with your eligible ANZ credit card.
  • Hotel and car rental discounts. Get access to special rates for hotel bookings and car rental benefits through the Visa Premium Benefits program.

ANZ Rewards Travel Adventures card features

  • Purchase interest rate. This card has a variable purchase rate of 20.24% p.a.
  • Cash advance interest rate. When you use this card for cash advances, the transaction will collect a cash advance rate of 21.74% p.a. variable.
  • Annual fee. The benefits of the ANZ Rewards Travel Adventures card come at the cost of a $225 annual fee.
  • Minimum credit limit. Credit limits for this platinum credit card start from $6,000.
  • Minimum repayments. The minimum you can pay off your card each statement cycle is 2% of the closing balance or $25, whichever is greater.
  • Interest-free days. Get up to 55 days interest-free on purchases when you pay the balance of your account in full by the statement due date.
  • Additional cards. You can request up to 9 additional cardholders for this account. Each supplementary cardholder will have their own Visa card and can earn rewards for their spending. Note that only the primary cardholder is responsible for keeping the account in good standing.

How to apply for the ANZ Rewards Travel Adventures card

You can quickly and easily apply for the ANZ Rewards Travel Adventures card online. To get started, make sure you meet the eligibility criteria for this card:

Eligibility criteria

  • Age. You must be at least 18 years of age to apply for this card.
  • Residency status. Most credit card providers prefer you to be an Australian citizen or permanent resident. If you are a temporary resident, you may want to check out the range of cards currently available to you in Australia.
  • Income. You must earn at least $35,000 p.a. to apply for this card.

Required documents and information

  • Personal details. You will be asked to provide a range of personal details including your full name, residential address, contact number, email address, and driver’s licence number or passport number.
  • Employment details. You will also have to provide information about your role, salary and employer’s contact details.
  • Financial details. This includes information about any other income or assets, as well as your expenses and financial responsibilities.

If your application is approved and you have submitted any requested documentation, you should receive your new credit card within five business days. Then you can activate it and start using it to earn rewards and gain access to the other complimentary benefits available.

With reward points and a collection of complimentary extras, the ANZ Rewards Travel Adventures card offers a variety of benefits for both domestic and international travel. As this isn’t the only rewards card on the market, it’s important to compare your options before applying.

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45 Responses

  1. Default Gravatar
    PatMay 10, 2019

    Looking for a credit card with travel insurance that would cover my husband who is 80. His birthday is in September and we will be traveling in November to the USA. He would be 80 when we activate the insurance, but 81 when we travel. Suggestions?

    • Avatarfinder Customer Care
      MaiMay 11, 2019Staff

      Hi Pat,

      Thank you for reaching out.

      To view credit cards with complimentary travel insurance, you can refer to our article Credit card travel insurance options if you’re over 65. Look for the Compare credit card complimentary travel insurance age limits table to check on credit cards who offer such as well as the age conditions. Please see below to name a few that you can consider.

      * ANZ- To be eligible you must be 80 years of age or under on the day you activated cover
      * NAB – up to 90 years of age

      For the other cards where age limit and restriction are not indicated, you can contact the bank directly to check.

      Hope this helps! 😊

      Kind Regards,
      Mai

  2. Default Gravatar
    GerardApril 5, 2019

    I want a card that earns frequent flyer points and no foreign transaction fees.

    • Avatarfinder Customer Care
      JoshuaApril 7, 2019Staff

      Hi Gerard,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      Please go to this page.

      On that page, you will see a table that allows you to conveniently compare frequent flyer credit cards with no foreign transaction fees. You can compare your options based on bonus points, reward program, and purchase rate, to name a few. Once you found the right one for you, click on the “Go to site” green button to learn more or initiate your application.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  3. Default Gravatar
    RobynMarch 28, 2019

    Does ANZ Reward Travel Adventure credit card provide trip-interruption-trip-cancellation insurance? What travel insurance is NOT covered by ANZ Rewards Travel adventures travel card? I’m paying one way to UK, taking a cruise to NZ and flying NZ to Perth using my Virgin points. Does that cover a return ticket if I use points?

    • Avatarfinder Customer Care
      JeniMarch 30, 2019Staff

      Hi Robyn,

      Thank you for getting in touch with Finder.

      Please note that you do need to spend $250 before the insurance kicks in. One of the requirements is having a valid return ticket to Australia. Using points, you will need to speak to the insurance company directly as I’m afraid we do not have further info on that matter. As per this page, ANZ credit card complimentary travel insurance is a comprehensive international travel insurance policy that includes medical expenses, cancellations, damage or loss of luggage and other personal items, rental vehicle expenses and loss of life or income. Cover begins on the day you depart your home in Australia and ends on your return or after six months of travel, whichever happens first.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  4. Default Gravatar
    MattMarch 25, 2019

    Hi,

    If I am in credit on my card and I make a cash withdrawal from ATM overseas, but remain in credit, are there any additional costs besides conversion fees?

    • Avatarfinder Customer Care
      JeniMarch 26, 2019Staff

      Hi Matt,

      Thank you for getting in touch with Finder.

      This card has a cash advance fee of 2% of the transaction amount. You may reach out with ANZ directly for further info on fees of your ANZ Rewards Travel Adventure card.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  5. Default Gravatar
    JennaFebruary 24, 2019

    In regards to the 40,000 bonus points, if I am an ANZ customer already does this make me ineligible?

    • Avatarfinder Customer Care
      JohnFebruary 25, 2019Staff

      Hi Jenna,

      Thank you for reaching out to finder.

      Bonus Velocity Point offer available to new and approved applicants who apply for an ANZ Rewards Travel Adventures account and who make $500 of net eligible purchases within three months of approval. This is not available for Existing users. Hope this helps!

      Cheers,
      Reggie

  6. Default Gravatar
    MikeJanuary 10, 2019

    Can the domestic return flight in Australia be transferred to another person such as a spouse?

    • Avatarfinder Customer Care
      CharisseJanuary 11, 2019Staff

      Hi Mike,

      Thanks for reaching out to finder.

      Unfortunately, ANZ’s complimentary return domestic flight is only available to the primary cardholder each year until the card is cancelled.

      I hope this helps.

      Cheers,
      Charisse

  7. Default Gravatar
    ThomoNovember 26, 2018

    Does the ANZ Travel Adventure Card offer of 40,000 velocity points still apply?

    • Avatarfinder Customer Care
      JhezNovember 27, 2018Staff

      Hello Thomo,

      Thank you for your comment.

      The 40,000 bonus Velocity Point offer is available to new and approved applicants who apply for an ANZ Rewards Travel Adventures account and who make $500 of net eligible purchases within three months of approval. This is a limited time online only offer which may be withdrawn or changed at any time without notice.

      Therefore, yes, the offer is still available.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  8. Default Gravatar
    JonathanFebruary 4, 2018

    Do I need to book a return airfare to activate the international travel insurance? Or can I buy a one way fare and still be covered?

    • Avatarfinder Customer Care
      JoshuaFebruary 11, 2018Staff

      Hi Jonathan,

      Yes, you need to book a return airfare to activate the international travel insurance. A one-way fare is not enough for you to get covered.

      You will learn more about the eligibility requirements on this page (https://www.finder.com.au/anz-complimentary-credit-card-insurance).

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

  9. Avatarfinder Customer Care
    RobellynnDecember 21, 2017Staff

    Hello Jengar,

    Thank you for your inquiry. As of this writing, ANZ Adventure credit card still offers the 40,000 velocity points when you spend $500 on eligible purchases within the first 3 months of card approval.

    You may also visit their website directly by clicking on the “Go to Site” button above if you have other questions about the card.

    Hope this helps.

    Cheers,
    Robyn

  10. Default Gravatar
    MichelleJuly 11, 2017

    Does the $225 annual fee of ANZ Rewards Travel Adventures card apply to just the primary card or any additional cards as well?

    • Avatarfinder Customer Care
      JasonJuly 12, 2017Staff

      Hi Michelle,

      Thank you for your enquiry.

      The $225 annual fee of ANZ Rewards Travel Adventures card only applies to the primary card. An additional cardholder fee of $65 p.a. applies per additional cardholder on the account. You can have up to 9 additional cardholders per account.

      Kind regards,
      Jason

Credit Cards Comparison

Rates last updated June 15th, 2019
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Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Qantas Premier Everyday
19.99% p.a.
0% p.a. for 12 months
$29 p.a. annual fee for the first year ($49 p.a. thereafter)
Get up to 42,000 bonus Qantas Points (7,000/month) when you spend $1,000/month for the first 6 months. Plus, complimentary insurance covers.

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