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.

You can use your points for travel, gift cards and retail items, or convert them to frequent flyer points with Virgin Australia Velocity, Air New Zealand AirPoints, Asia Miles and Singapore Airlines KrisFlyer.

Sally McMullen

Last Updated Dec 2, 2020

20.24% p.a.

Balance transfer rate

40,000

Bonus points

20.24% p.a.

Purchase rate

1.5

Reward points

Per $ spent

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Details

Product Name	ANZ Rewards Travel Adventures card
Rewards program	ANZ Rewards Program
Balance transfer rate	20.24% p.a.
Balance transfer limit	95% of available limit
Purchase rate	20.24% p.a.
Annual fee	$120
Interest-free period	Up to 55 days on purchases
Cash advance rate	20.24% p.a.
Min credit limit	$6,000
Card type	Visa
Foreign currency conversion fee	0%

Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

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

Cons

The spend cap of 2,000 / statement period before the lower earn rate kicks in is low.

Rewards program	ANZ Rewards Program
Bonus points	40,000
Rewards points per $ spent	1.5

Annual fee	$120
Minimum monthly repayment	2% of the closing balance or $25, whichever is greater
Late payment fee	$20
Foreign currency conversion fee	0%
Cash advance fee	2%
Additional cardholder fee	$65
Number of additional cardholders	9

Review by

Sally McMullen

sally.mcmullen@finder.com.au

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.

These perks come with a $120 annual fee, which is on the lower end of the scale for rewards cards. As it doesn’t include lounge passes or other travel perks, remember to compare other options if you’re looking for specific travel features.

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.

Age. You must be at least 18 years old to apply.

Required documents

Personal details. This includes your full name, email address, date of birth, contact number, marital status, number of dependents and driver's licence number (if you have one).
Finances and income. You'll need to confirm your income with two recent payslips and provide details about other expenses, assets and liabilities.
Employment. You'll need to confirm your employment and include your employer's contact information. If you're self-employed, you can provide your accountant's phone number.

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.

0% overseas transaction fee. There is no fee for purchases made in an international currency. This includes transactions made in person when you are overseas and online shopping with an international retailer.
Complimentary international travel insurance. The ANZ Rewards Travel Adventures card offers international travel 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.
Purchase insurance. Take advantage of complimentary extended warranty insurance, guaranteed pricing scheme and purchase protection insurance.
Concierge service. Whether you want help booking accommodation or need some travel recommendations, you can use the 24/7 personal concierge for lifestyle and travel assistance.
Mobile payment technology. Link your credit card to Apple Pay, Google Pay, and Samsung Pay and use your Apple, Android or Samsung device to tap and pay. You can also make contactless payments with your eligible fitness tracker with Garmin Pay and Fitbit Pay.

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).

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.
Minimum credit limit. Credit limits for this platinum credit card start from $6,000.

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60 Comments

Meghen
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?

Ash
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.

Cheers,
Ash

Louie
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.

Nikki
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.

Best,
Nikki

Elena
October 22, 2019

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

Nikki
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.

Best,
Nikki

Jack
September 20, 2019

Hi,
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?
Regards

finder Customer Care

Jeni
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!

Cheers,
Jeni

Nicholas
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

Ash
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.

Cheers,
Ash

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