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ANZ Rewards Card

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Earn points for your everyday spending, receive 50,000 bonus Reward Points and enjoy Visa perks on a new ANZ Rewards credit card.

The ANZ Rewards card earns up to 1 point per $1 spent on eligible purchases, which you can redeem for frequent flyer points, travel, gift cards, merchandise, cashback and more.

20.24% p.a.

Balance transfer rate


Bonus points

20.24% p.a.

Purchase rate


Reward point

Per $ spent (Visa/Mastercard)


Product NameANZ Rewards Credit Card
Rewards programANZ Rewards Program
Balance transfer rate20.24% p.a.
Balance Transfer Limit95% of available limit
Purchase rate (p.a.)20.24% p.a.
Annual fee$80 p.a.
Interest-free period55 days
Cash advance rate (p.a.)20.24% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceNo
Minimum age18 years of age
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 50,000 bonus Reward Points when you spend $1,000 in 3 months
  • Earn 1 Reward Point per $1 spent up to $1,000 / statement period (0.5/$1 thereafter)


  • Charges a $65 annual fee per additional cardholder
  • $1,000 threshold before lower earn rate kicks in is low
Rewards programANZ Rewards Program
Bonus Points50,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)1
Annual fee$80 p.a.
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$20
Foreign currency conversion fee (Visa/Mastercard)3%
Cash Advance Fee2% or $4, whichever is greater
Overseas cash advance fee2% or $4, whichever is greater
Overseas ATM withdrawal fee$5
Additional cardholder fee$65
Number of additional cardholders3

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.

Expert review

The ANZ Rewards gives you a way to earn points per $1 spent and offers an annual fee of $80 – which is on the lower end of the scale for rewards cards. The potential trade-off, however, is that this card doesn’t offer any complimentary travel insurance or other premium perks that you see on cards with higher annual fees.

How to apply

You can apply for the ANZ Rewards card online in around 5 minutes by filling out a secure application form via the ANZ website. Before you get started, check that you meet the following eligibility criteria and have all your documents and details ready.

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 earn the bonus points, you must be a new ANZ Rewards customer. This means you can't currently hold or have previously held an ANZ Rewards Black, ANZ Rewards Platinum or an ANZ Rewards credit card in the last 12 months.

Card benefits

  • 50,000 bonus Reward Points. Apply as a new customer and spend $1,000 on eligible purchases within the first 3 months from card approval to receive 50,000 bonus Reward Points. As an example, you could redeem these points for a $100 David Jones gift card (22,225 Points).
  • Earn points per $1 spent. The ANZ Rewards card earns 1 Reward Point per $1 spent on eligible purchases up to $1,000 spent per statement period, then 0.5 Reward Points per $1 spent on eligible purchases above $1,000 spent per statement period.

Rates & fees

  • Annual fee. This card charges an annual fee of $80 p.a. (includes a $25 annual account fee and a $55 Rewards Program service fee).
  • Interest rates. This card has an interest rate of 20.24% p.a. for purchases. For cash advance transactions – such as ATM withdrawals or foreign currency purchases – a variable interest rate of 20.24% p.a. applies.
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