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ANZ Rewards
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With 50,000 bonus points on offer if you spend $1,000 on eligible purchases within the first 3 months, this ANZ Visa is worth considering if you are a member of the ANZ Rewards Program or have a Virgin Australia Velocity Frequent Flyer account.
You can earn reward points at a ratio of 1:1 for the first $1,000. After that, it drops to 0.5 points per dollar. You can also convert your Reward points to other frequent flyer / rewards programs that you have an account with. This includes:
- If you're a Velocity member, you can covert your Reward points at a transfer rate of 2 ANZ Rewards Points for 1 Velocity Frequent Flyer Point. An initial minimum of 2,000 ANZ points is required to redeem.
- If you're a part of the Air New Zealand loyalty program, you can redeem an initial minimum of 3,000 ANZ Reward Points for 15 New Zealand Airpoints Dollars and then additional multiples of 1,500 Reward Points
For an annual fee of $80, this ANZ credit card is also the cheapest Rewards card on offer by ANZ, compared to the annual fee of its other Rewards cards which all have the same interest rate on purchases of 20.24% p.a.:
If you want Qantas Frequent Flyer points, consider ANZ Frequent Flyer credit cards which allow you to earn Qantas points.
| Category | Rewards Credit Cards |
|---|---|
| Card Type | Visa |
| Minimum Credit Limit | $1,000.00 |
| Minimum Income | $15,000.00 |
| Additional Cardholders | 3 |
| Additional Cardholder Fee | $65.00 p.a. |
| Minimum Repayments | 2% |
| Rewards Program | ANZ Rewards |
| Points Earn Rate | 1 points per $1 |
| Points Conditions |
|
| Contactless Payments | Apple Pay, Garmin Pay, Google Pay and Samsung Pay |
| Rates & Fees | |
| Purchase Rate | 20.24% p.a. |
| Cash Advance Fee | 2% |
| Late Payment Fee | $20.00 |
| Annual Fee | $80.00 p.a. |
| Foreign Transaction Fee | 3% |
| Overseas ATM Withdrawal Fee | $5.00 |
| Interest Free Period | 44 days |
| Cash Advance Rate | 20.99% p.a. |
| Release date | |
Reviewer Photos & Videos
- 9 reviews
- 8 likes
Hopeless
Tried to redeem two gift cards today. One worked. One did not - “pending”. Contacted rewards centre. Advised to try again. This also went to “pending”. So potentially now getting three gift cards when I wanted two. Rewards centre advise that they cannot cancel the pending ones. So can’t even go and purchase what I needed as I need the two cards and only have one. Wasted points. Poor service. Not worth the half an hour on the phone. Go elsewhere.
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- 7 reviews
- 4 likes
Avoid
Great that they offer reward points that I cannot redeem as I can't even log into my Rewards Account. It asks to reset my password but the reset link is never sent to my email. Tried multiple times. This happened the first several times initially and now is happening again. Judging by the non response when you call, might as well bin the $80pa card and sign up with other banks who has their services working.
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- 5 reviews
- 2 likes
What a poor service
Every time you ring they are receiving higher than usual calls, if you want to change your password you cant because you cant get hold of anyone. This is a really poor service. I have waited hours on 3 occasions with no response from this service. Looks like it is the same for everyone else. I am getting out when I can. Where are the humans.
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What a service
What a service been waiting over an hour no answer so I ring up the general Enquiries number explain what is happening so he puts me thru to the same number without even listening to what I had to say ...Thanks Anz for making my decision easier to change my accounts to another bank..
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No back up service.
I had a query from my reward on line account so called their 1300 number & followed their prompts. I held on for 32 minutes & 38 seconds being told every 30 seconds they were busy & thanked me for my patients. After hearing the message in excess of 60 times I had had enough & hung up in disgust. The reward system is good but when you can't get a reply it is very poor customer service.
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- 52 reviews
- 40 likes
Love it
Fees are bit high with a second card but can’t complain every dollar we spend we get points, we use for everything, it ads up really quick and we can use gift card on shopping very quickly.
Haven’t used the card overseas feels like it should be free.
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- 8 reviews
Awesome card
Use this as our daily expense card. Love that I can have Apple Pay connected to my card to pay with my phone. Overall completely satisfied with my ANZ card.
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- 11 reviews
- Verified
Good for frequent travelers
You can collect bonus Velocity Points and ANZ Rewards when you use the card to make eligible purchases and no foreign transaction fees, which is very suitable to frequent travelers. The annual fee is $225, not cheap but worth it if you make full use of the card.
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The reviewer stated that an incentive was offered for this review
E Gift Cards are Excellent
We use this card every day. It is a good way to budget for gifts as the range of E gift cards is excellent. We save up and redeem the gift cards at Christmas time.
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Good as a basic credit card
Haven't used the card overseas yet but quite satisfied with having the Anz rewards credit card. I like that there are many e gift card to choose with the reward points. The rewards site is simple, easy to use and I've redeemed couple gifts with ease. The points seem to accumulate ok since I've had the card for 3 years now and since claimed couple hundred jb hifi vouchers.
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- 12 reviews
Anz credit card
The is a standard card which functions as you would expect a normal visa to function. I use this to pay for online purchases.
Rewards are very minimum ,overseas fees are high
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- 4 reviews
Basic rewards credit card
Ready to use and basic credit card. Easy to redeem your points and can do so in many different form, gift cards are a nice surprise. App for this card worked well.
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Reliable card/product - used it overseas without any problems.
Overseas it worked well, including several tap and go transactions. Nil issues. Rewards available to redeem were great - alot of diversity (gift cards and airline reward schemes) being my favourite. Redemption took about 2 minutes and was received it instantly.
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- 11 reviews
Decent card with alright rewards
The card is a standard card which functions as you would expect a normal visa to function. I use this to pay for most online purchases and whatnot, at the end of each year i usually get enough points for $150 in gift cards which is nice and easy to redeem.
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The reviewer stated that an incentive was offered for this review
- 6 reviews
- 1 like
Good rewards, reasonable fees
I have had no issues with this card, fee's are more reasonable than my last bank and had no issues using it overseas. The built in travel insurance is great (just remember its not for domestic travel).
Rewards are good, I guess like any card it depends on how you use it to how many points you can reap.
Overall a good card, reasonable fees, ease of use and looks good to boot :-).
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Questions & Answers
Can I choose my own departures times with the free domestic flight offered
What do I do if ANZ wont offer me the 40 000 velocity points and claim that is not an offer that they endorse?
I have an ANZ Platinum Qantas Rewards card and when I logged into my Qantas account I discovered ANZ had capped my points at 1000 per month ...even though I spending $7,000+ on the card every month. How can that be?
I don't know what level of card you have - maybe at the level you have this was part of the terms - seems low - I don't have that - have the black card
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