ANZ Rewards Travel Adventures card – Review

Information verified correct on May 23rd, 2017
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Get a complimentary domestic flight each year you hold the card when you spend $500 on eligible purchases in the first three months. Plus, you can enjoy airport lounge passes, reward points and a wide range of other benefits with the ANZ Rewards Travel Adventures card.

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 and also provides other travel benefits when you reach set spending goals.

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 on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.74% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Minimum Monthly Repayment2% of the closing balance or $25, whichever is greater
Minimum Income$35,000
Card TypeVisa
Late Payment Fee$20
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, 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
Available To Temporary ResidentsYes
Minimum Income$35,000
Minimum Age18 years of age
Available to Temporary ResidentsYes
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Annual Fee$225 p.a.
Minimum Repayment2% of the closing balance or $25, whichever is greater
Late Payment Fee$20
Over Limit Fee$20
Cash Advance Fee2%
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, 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
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$65 p.a.
Number of Additional Cardholders9
BPAYYes
Direct DebitYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes

Pros

  • Receive a complimentary domestic return flight each year.
  • This also comes with complimentary international travel and medical insurance.
  • This card does not charge 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.
Rewards ProgramANZ Rewards Program
Rewards Points per $ (VISA/MC)1.5
Rewards Points per $ (VISA/MC) CapUncapped
Points Expiry36 months

ANZ Rewards Travel Adventures card review

The ANZ Rewards Travel Adventures card is designed to reward cardholders with travel and reward benefits when you pay with plastic. Until 5 August 2017, this card offers 1.5 Reward Points per $1 spent on eligible purchases uncapped. After that, you’ll 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. Note earn rates may be different for existing cardholders. Call ANZ on 13 13 14 to find out about the applicable earn rate/s for your card.

As well as these benefits, the ANZ Rewards Travel Adventures card gives you one complimentary domestic return flight with Virgin Australia and two single-entry Virgin Australia domestic airport lounge passes each year you hold the card, providing you spend $500 on eligible purchases in the first three months. It also offers no overseas transaction fee on purchases and complimentary insurance options for both domestic and overseas travel.

This card has a standard variable purchase rate of 20.24% p.a. and an annual fee of $225. It also offers benefits through the Visa platinum cardholder program.

Benefits of the ANZ Rewards Travel Adventures card

  • 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. Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet and include most everyday purchases. Transactions not eligible to earn points include fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes. Refer to the terms and conditions booklet online or call ANZ on 13 13 14 for more information.
  • No overseas transaction fee. There is no fee for purchases made in an international currency. This includes transactions made in-person when you are overseas, online transactions outside of Australia and online transactions made in Australia with an international retailer.
  • 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 QBE Insurance Product Disclosure Statement provided with this card.
  • Mobile payment technology. Apple Pay, Android Pay and ANZ Mobile Pay let you use your Apple or Android 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 standard purchase rate of 20.24% p.a. variable.
  • Cash advance interest rate. When you use this card for cash advances, such as ATM withdrawals, 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.
  • Purchase protection. This card also offers rental excess insurance, purchase protection insurance, extended warranty cover. Individual terms and conditions apply for each.

How to apply for the ANZ Rewards Travel Adventures card

You can quickly and easily apply for the ANZ Rewards Travel Adventures card by clicking on the "Go to site" button. To get started, make sure you meet the eligibility criteria for this card:

Eligibility criteria checklist

  • 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 current available to you in Australia.
  • Income. You must earn at least $35,000 per annum 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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26 Responses to ANZ Rewards Travel Adventures card – Review

  1. Default Gravatar
    Sylvia | May 21, 2017

    You have to spend $500.00 on ” eligible purchases” in the first 3 months to qualify for travel insurance and the free flight.

    What exactly are these ELIGIBLE purchases. I don’t see them listed anywhere.
    Must they be for overseas flights or hotels?

    • Staff
      Anndy | May 22, 2017

      Hi Sylvia,

      Thanks for your question.

      For the purpose of receiving the complimentary flight attached to this card, eligible purchases as defined in the fine prints of this card, are any purchase for goods or services but excluding payment for interest charges, fees, cash advances, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions.

      Cheers,
      Anndy

  2. Default Gravatar
    Brett | May 18, 2017

    Hi there,

    I understand that there isn’t any fees for overseas transactions on this card…but is there a Currency Conversion Fee when using the card as a credit card overseas on overseas transactions?

    • Staff
      Harold | May 18, 2017

      Hi Brett,

      Thank you for your inquiry.

      Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, 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.

      I hope this information has helped.

      Cheers,
      Harold

  3. Default Gravatar
    Doug | May 3, 2017

    Are the lounge entries just for the cardholder or does it also include a guest?

    • Staff
      Jason | May 4, 2017

      Hi Doug,

      Thank you for your enquiry.

      You may share one of the two complimentary Virgin Australia domestic airport lounge passes with a travel companion. Please note that these lounge passes cannot be used in international lounges, partner airlines or associated lounges.

      Kind regards,
      Jason

  4. Default Gravatar
    Sue | April 19, 2017

    What do they mean by eligible purchases?

    • Staff
      Anndy | April 19, 2017

      Hi Sue,

      Thanks for your question.

      Eligible purchases refer to the usual purchase of products or services but excluding payment for interest charges, fees, cash advances, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance, transactions for gambling or gaming purposes and reversed or refunded transactions.

      Cheers,
      Anndy

  5. Default Gravatar
    Rick | April 3, 2017

    Can I load extra cash on my ANZ Visa card before my international travel and draw cash while travelling to other countries, without attracting cash draw interest, as long as I remain within my cash positive limit.

    What all fees and charges are levied for such a scenario?

    • Staff
      Anndy | April 4, 2017

      Hi Rick,

      Thanks for your question.

      Loading cash into your ANZ credit card is not directly disclosed in the banks terms and conditions. You may directly call ANZ to confirm if this is allowed.

      Loading your credit card into a positive balance can avoid the cash advance interest rate. However, generally, you may still incur the following charges:

      International ATM withdrawal fee – Charged when you withdraw cash overseas.
      Currency conversion fee – This amount is calculated based on the total of the international ATM fee and the amount being withdrawn.
      Local ATM operator fee – This can be avoided by using an ATM with your bank’s overseas ATM Alliance (if they have one).

      Cheers,
      Anndy

  6. Default Gravatar
    Tess | March 29, 2017

    Can you clarify if there are any fees when using your card for purchases from Aus or from overseas please? I have read the information and remain confused.

    • Staff
      Anndy | March 29, 2017

      Hi Tess,

      Thanks for your question.

      Using ANZ Rewards Travel Adventures card, you won’t incur overseas transaction fee. There is no fee for purchases made in an international currency. This includes transactions made in-person when you are overseas, online transactions outside of Australia and online transactions made in Australia with an international retailer.

      Cheers,
      Anndy

  7. Default Gravatar
    Michelle | January 13, 2017

    We are travelling to various countries this year. I cannot see anywhere what your charges are for withdrawals from ATM’s. If we maintain a credit balance in our account will we be charged for cash withdrawals?

    • Staff
      May | January 13, 2017

      Hi Michelle,

      Thank you for contacting finder.com.au – a financial comparison website and general information service designed to help consumers make better decisions. We do not represent ANZ or any credit card company we feature on our pages.

      As stated in the fine print on ANZ website, when using the ANZ Rewards Travel Adventures overseas:

      1. ANZ will waive the overseas transaction fee on foreign currency transactions and transactions where the merchant or financial institution accepting the card is located outside Australia.
      2. ANZ will also waive the cash advance fee if you use your ANZ Rewards Travel Adventures account to withdraw actual cash from a branch or ATM located overseas.
      3. A cash advance fee will apply to any other cash advances on your account.
      4. ATM operator fees may apply.

      So this means that ANZ will not charge you ATM withdrawal fees when using your card at overseas ATMs.

      Cheers,
      May

  8. Default Gravatar
    Rosalie | January 4, 2017

    What does the complimentary travel insurance cover and what extra costs are there for pre existing conditions

    • Staff
      May | January 4, 2017

      Hi Rosalie,

      Thanks for your question.

      The ANZ Credit Card Complimentary Travel Insurance offered by QBE Insurance and this is explained on this page. On the same page, you would also find the insurances you are covered under the policy.

      As for the pre-existing medical condition, you can apply with QBE to provide you cover for an existing medical condition(s) by contacting them not less than 72 hours before you depart. If QBE agrees to cover all or part of your existing medical condition(s) you must pay them a $75 administration fee per person and then they will send you a letter which sets out your medical conditions and any special conditions or exclusions which apply to the cover.

      Cheers,
      May

  9. Default Gravatar
    Debra | October 2, 2016

    Can I redeem my points for Qantas frequent flyer points.

    • Staff
      Anndy | October 6, 2016

      Hi Debra,

      Thanks for your question.

      Unfortunately, ANZ rewards points earned on a personal card can’t be redeemed or transferred to Qantas frequent flyer points. However, you can transfer your points to Air New Zealand Airpoints, Cathay Pacific Asia Miles, Singapore Airlines KrisFlyer and Virgin Australia Velocity frequent flyer programs.

      Cheers,
      Anndy

  10. Default Gravatar
    Denise | September 27, 2016

    With the complimentary domestic flight, can I travel anywhere from Sydney Including Perth, Darwin and Broome or is it to set locations only.

    • Staff
      Anndy | September 28, 2016

      Hi Denise,

      Thanks for your question.

      You can use your complimentary domestic flight reward with ANZ for travelling to various locations in Australia. If you are travelling from Sydney, you can fly to 21 destinations including Perth and Darwin. However, please note that all flights are subject to availability.

      I’ve sent you an email with a link to ANZ page where you can check the available destinations from your location.

      Cheers,
      Anndy

Credit Cards Comparison

Rates last updated May 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Take advantage of 0% p.a. for 18 months on balance transfers with a 1.5% BT fee. Plus, receive an exclusive $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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