anz black credit card international travel insurance

ANZ Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

Information for anz eligible cardholders regarding covid-19 and with a claim event date on and after 27 th april 2022.

Information on this page is correct as of 27 April 2022

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller website and World Health Organisation   (WHO) and Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel.   In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions.  Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1300 135 271.

Are Eligible travellers covered for COVID-19 with this complimentary credit card travel insurance?

This complimentary travel insurance policy is designed to provide cover under select benefits to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under certain sections of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:    ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet   or the  ANZ Business Black Complimentary Travel Insurance Policy Information booklet .  A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible ANZ Cardholders must submit a claim.

Eligible ANZ travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained.  Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the ANZ Complimentary Insurance covers, please refer to the General Exclusions section and the section specific exclusions of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  Premium Cards – Insurances, Insurance Policy Information booklet or the  ANZ Business Black Travel Insurance, Policy Information booklet

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

• where your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of:
•                 by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on                 www.smartraveller.gov.au; or
•                 which was published in a reliable mass media source.
• any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority;  For example, if  Smartraveller has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded.  Or if, a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if an ANZ Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet  or the ANZ Business Black Complimentary Travel Insurance Policy Information booklet     . If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, ANZ Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can ANZ Eligible Cardholders make a claim for consideration?

Every ANZ Eligible Cardholder can submit a claim and have their individual circumstances considered in accordance with the eligibility criteria which includes the terms, conditions, limits and exclusions that apply as set out in the  and the  Premium Cards – Insurances, Insurance Policy Information booklet   or the  ANZ Business Black Travel Insurance, Policy Information booklet.

If you would like to claim, we encourage you to claim online via  www.claimmanager.com.au/anz

Claim Online 

Call our claims team.

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• United Kingdom

ANZ credit card complimentary travel insurance

Wondering what cover you get with anz credit card complimentary travel insurance here’s what you need to know and how to make a claim..

In this guide

Which ANZ credit cards have complimentary travel insurance?

How can you access anz credit card international travel insurance, what's covered by anz complimentary international travel insurance, what's not covered, pre-existing medical conditions, how to make a claim through your anz credit card complimentary international travel insurance policy, other types of anz complimentary credit card travel insurance, anz credit card complimentary insurance for shopping, anz business credit card complimentary insurance options, frequently asked questions, what you need to know:.

• ANZ credit cards with complimentary international travel insurance offer comprehensive cover for up to 6 months in a row when you travel overseas.
• You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
• Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions .
• Do you have a question or need to make a claim right now? Call the insurance provider, Allianz, on 1300 135 271 (from Australia) or +61 7 3305 7465 (from overseas).

If you have an eligible ANZ credit card, you may be able to use this cover when you meet the eligibility requirements in the insurance policy booklet, including (but not limited to):

• Prepayment of at least $250 of your travel costs before you leave Australia
• Having a return overseas travel ticket to Australia before the start of your trip

Cover may also be available for your spouse and/or eligible dependents when both you and they meet the requirements in the policy information booklet.

If you need written confirmation of cover, you can also visit http://www.checkyourcover.com.au/anz or call Allianz on 1300 135 271 for more details.

Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with an ANZ credit card

Example of when you might use this cover on an overseas trip.

If got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:

• Doctor's fees
• Hospital fees
• Changes in your travel plans

Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.

ANZ complimentary international travel insurance for cancellation, delays, accommodation and transport

⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.

Luggage and personal items cover offered with ANZ credit card complimentary insurance

Hijacking, personal liability, death and other cover offered with anz complimentary credit card travel insurance.

Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.

• Hijacking: Unlimited
• Emergency accommodation due to terrorism: Up to $300 per day and a maximum of $3,000 per cardholder or spouse
• Personal safety evacuation: Unlimited
• Personal liability: Up to $3 million per cardholder or spouse
• Legal expenses: Up to $15,000 per cardholder or spouse
• Accidental death: $50,000 per cardholder or spouse, up to $1,000 per dependant
• Funeral expenses: Up to $25,000 for a cardholder or spouse

Note: Unless a specific limit is listed for dependants, any claims related to them will come out of the limit for the cardholder and/or their spouse.

Some of the key things you won’t be covered for with ANZ credit card complimentary international travel insurance include:

• If you don’t follow advice from any government, official body or mass media announcements
• Issues related to drinking alcohol or taking non-prescription drugs
• Travel that’s for the purpose of medical treatment
• If you or your partner give birth during the trip, or there are complications arising after week 26 of the pregnancy
• Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding if the engine has a capacity of 200cc or more

Does ANZ complimentary credit card travel insurance cover pandemics?

Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:

• Overseas emergency assistance
• Overseas emergency medical
• Evacuation and repatriation
• Cancellation
• Additional expenses

If you're travelling with someone who tests positive for COVID-19, some cover is also available under the cancellation and additional expenses benefits.

⚠️ Remember: Check the ANZ credit card insurance policy booklet or call Allianz on 1300 135 271 for more details about COVID-19 claims and any exclusions.

Does ANZ credit card travel insurance cover family members?

Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with your for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.

ANZ’s complimentary credit card international travel insurance offers cover for a select number of pre-existing medical conditions when you meet the requirements, including:

• High blood pressure
• High cholesterol
• Coeliac disease
• Diabetes (types 1 and 2)

If your condition is listed in the policy document, you don't need to apply for written confirmation as long as you meet the following criteria:

• The condition is stable
• You are not waiting for treatment
• You are not waiting on results of medical tests or investigations
• You’re not on a hospital waiting list
• You meet any other criteria specifically listed for your medical condition

Some pre-existing medical conditions have additional requirements. For example, with diabetes, you need to have been diagnosed at least 12 months before your trip. You also can’t have any known cardiovascular, hypertensive or vascular disease – or any related kidney, eye or neuropathy complications.

⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the ANZ credit card complimentary travel insurance policy document.

What if I don't meet the requirements or have a different pre-existing condition?

Call Allianz on 1300 135 271 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered. Keep in mind that a $75 administration fee may apply as part of this process.

Otherwise, you won't get cover for any pre-existing conditions that cause issues. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.

Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.

If it's an emergency, call Allianz on +61 7 3305 7465 when you're overseas or 1300 135 271 in Australia. You can also submit a claim online by following these steps:

• Go to the Allianz online claims portal at https://claimmanager.com.au/anz/agreement
• Confirm you agree with the terms and conditions, then select "Create new claim"
• Select the "Credit card insurance" option and provide details of your card
• Fill in the details on the claim form and upload your supporting documentation

You will be contacted about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Photo evidence
• Police reports

Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the ANZ card insurance policy booklet – plus anything that could become supporting documentation for claims.

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
• Cancellation: Up to a maximum of $3,000.
• Travel delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
• Additional expenses: Up to $3,000.
• Luggage: Up to $750 per covered item with a maximum of $2,000.
• Luggage delay: After a delay of 12 hours or more, $150 per person up to a maximum of $400 for all claims combined.
• When can I use it? If you have paid for your return domestic flight with your eligible ANZ credit card before you leave. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs before you leave (such as accommodation).
• Is there an excess cost? There is a $100 excess cancellation, additional expenses and luggage claims.

Rental vehicle excess in Australia insurance

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,000.
• When can I use it? If you’ve used your ANZ credit card to pay the full cost of the vehicle rental.
• Is there an excess cost? $100 per claim.

How to make a claim under one of these policies

ANZ credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:

• Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
• Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.

Don’t have complimentary insurance on your credit card yet? Compare ANZ credit cards or other cards that offer insurance .

All ANZ business credit cards offer complimentary unauthorised transaction insurance. Some also offer complimentary international travel insurance and transit accident insurance. Here’s a summary for different ANZ business cards:

Have an ANZ credit card that’s not on this list? Check the terms and conditions available on the ANZ website to see if your card is eligible. Or, look at ANZ travel insurance you can get without a credit card.

Can I get proof of my cover?

Yes. If you’re going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/ANZ .

Is pregnancy covered by this travel insurance?

Pregnancy is treated as a pre-existing medical condition but some cover may be available for complications of your pregnancy caused by injury or sickness. This includes naturally conceived and medically assisted (e.g. by IVF) pregnancies. If there were complications before you became eligible for cover, you typically won't get cover for pregnancy-related claims.

There are also exclusions related to pregnancy, such as for antenatal care. Make sure you read the ANZ credit card complimentary insurance booklet for full details, or call Allianz on 1300 135 271.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

More guides on Finder

With 130,000 bonus Qantas Points and complimentary insurances, the ANZ Qantas Business Rewards Credit Card could be an appealing option for business owners.

This entry-level card offers a low annual fee, a $200 digital gift card offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.

Receive $250 back to your card with this promo offer. Plus, save with a competitive 13.74% p.a. purchase rate.

This platinum card offers a $0 first-year annual fee, $300 credit back offer and complimentary insurance covers.

This business rewards credit card offers 100,000 bonus ANZ Reward Points, transfers to Qantas Frequent Flyer and data feeds for accounting software. So is it right for you?

The ANZ Frequent Flyer Black has a competitive bonus Qantas Points offer and perks including Qantas Club Lounge invitations and complimentary insurance. Weigh up if it's worth the $425 annual fee.

Compare the features of the ANZ Rewards Black, including 180,000 bonus points offer, a high earn rate and complimentary insurance.

The ANZ Rewards Platinum Credit Card offers a competitive rewards program, 100,000 bonus ANZ Reward Points and a range of complimentary insurance covers.

Earn Qantas Points as you spend, enjoy complimentary travel insurance and take advantage of an introductory offer on the ANZ Frequent Flyer Platinum.

This entry-level card offers a $0 first-year annual fee, $125 credit back offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.

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153 Responses

Does my complimentary travel insurance also cover my wife travelling with me

Hi Bob, Yes, if your wife is travelling with you for the entire trip and both of you meet the requirements, you’ll both be able to use this travel insurance. If you have more specific questions about this cover, you can also contact the insurer Allianz on 1300 135 271. I hope this helps.

We are going on a 35 day cruise going around Australia with many stops in Australia and also one stop in Denpasar Indonesia and 3 stop around New Zealand. The Cruise starts in Sydney and finish in Sydney. I’m using my ANZ Platinum card, are we covered?

Hi John, The international travel insurance policy for the ANZ Platinum Credit Card has a definition for “overseas” that includes “when you are aboard a foreign registered cruise vessel in Australian territorial waters.” So if the cruise ship is registered outside Australia, it’s possible you would be covered. But you should call the insurance provider, Allianz, on 1300 135 271 to check the details specific to your travel plans. I hope this helps.

Hi I am about to turn 81 years of age will I still be covered by my Platinum card. If not will my wife who is 76 be covered even if I am not.

Hi Ron, If you meet the other eligibility requirements for cover before you turn 81, you would be eligible for this cover. This means you would need to spend at least $250 of your prepaid travel expenses on your eligible ANZ Platinum card, have a return overseas travel ticket before you leave Australia and meet the residency requirements. Your wife would also be eligible if you met the eligibility requirements. If you have further questions, you can contact the insurance provider Allianz on 1300 135 271. I hope this helps.

Does paying for car hire on a trip count for the $250 you need to put on your platinum Visa card for Domestic travel insurance?

Hi Clare, Car hire would generally be considered as a pre-paid travel cost. A sit’s not specifically mentioned in the ANZ Platinum and Black Complimentary Insurance policy booklet, it’s a good idea to call the insurance provider, Allianz, on 1300 135 271 to check your eligibility. I hope this helps.

HI I’ve been diagnosed with Motor Neurone Disease and have a trip to Bali on May 25th. Will I still have coverage under a frequent flyer Anz black card if I need to be flown back to Australia. Many thanks.

Unfortunately, Motor Neurone Disease is not one of the pre-existing medical conditions that is listed as being covered without an assessment. But you can call Allianz on 1300 135 271 to organise an assessment of your condition, which may allow you to get written confirmation from Allianz that the pre-existing medical condition is covered. A $75 administration fee may apply as part of this process.

Alternatively, you can compare travel insurance for pre-existing conditions and learn more about different options on Finder. I hope that helps.

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ANZ Credit Cards

Anz rewards black credit card.

Updated 15 April 2024

The ANZ Rewards Black is ANZ’s highest-earning rewards card 🏆. It currently has an enormous 180k bonus ANZ Reward Points up for grabs and $150 back on your card (details below). Points can be transferred to Velocity and other frequent flyer programs.

This is a premium card with top-shelf extras. You’ll get complimentary shopping and travel insurances, concierge services, cashback on your spending, an insightful app and up to 9 extra cardholders to help supercharge your points power.

How do I apply?

Points Earn Rate (per $1 spent)

per $1 up to $5000, 1 pt per $1 over $5,000

Rewards Program

ANZ Rewards

Bonus Points

180,000 pts

Spend $3,000 in first 3 months from approval

Annual Fee (p.a.)

• 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points."> 0 points over 12 months spend, my monthly card spend, you could earn • 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">.

114,000 points

over 12 months

• Pros & cons
• Rates & fees
• Rewards & points
• Eligibility

Go to offer

Pros and cons

• Bonus perks. You can get 180,000 ANZ Rewards Points and $150 credited to your card when you spend $3000 on eligible purchases in the first 3 months from approval.
• Earning points. This card earns 2 Reward Points per $1 on eligible purchases up to and including $5000 per statement period, then 1 point per $1 after that.
• Insurances. You’ll access a suite of insurances including purchase protection, domestic and international travel insurance and vehicle rental excess cover in Australia.
• Balance transfer option. Transfer a balance from a non-ANZ card (21.99% p.a. interest rate applies).
• Lifestyle extras. Use concierge services 24/7 to make life easier, as well as Visa Offers + Perks to access special event pre-sales, movie offers and exclusive member competitions. Use Cashrewards for cashback from online retailers.
• Digital wallet compatibility. Syncs with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
• Slightly higher annual fee because it’s a top-tier card
• Additional cardholders cost $65 per year

Creditcard.com.au review

Editor review, who suits the anz rewards black credit card.

⚠ Important changes to ANZ's credit card insurance policies: ANZ is making changes to the complimentary insurances on its credit cards which will take effect from 7 June 2024. A summary of the upcoming changes can be found here .

Overall Rating

The ANZ Rewards Black credit card comes with the biggest lump sum of Rewards Points (equal to $650 in gift cards), plus a nice cashback bonus that helps offset the annual fee. It’s fair to say it gives a good impression straight up, and keeps on delivering with the highest rate of points per dollar than any other ANZ card.

It doesn’t earn frequent flyer points directly, but you can redeem your ANZ points for Velocity and other airline programs, giving you lots of flexibility in how you want to use your points.

What I love about the ANZ Rewards Black

The ANZ Rewards Black earns points, offers insurance, organises your pet’s weekly wash and pops cash back in your pocket when you buy shoes. If that sounds like an odd list of duties for a credit card, you’re right - but that’s exactly what this little superstar can do.

I’ll start with the big bonus offer, and then unpack the rest of the card’s features.

Bonus offer: When you sign up for a new card and spend $3000 on eligible purchases in the first 3 months from approval, you can get:

• 180,000 extra ANZ Rewards Points. It’s ANZ’s biggest bonus points offer.

Note: you won’t be eligible for these bonuses if you have held an ANZ card within the previous 12 months.

Earning ANZ Rewards points

The ANZ Rewards Points are tiered on this card. So, you’ll earn:

• 2 ANZ Reward Points per $1 spent up to and including $5000
• 1 ANZ Reward Point for every $1 spent over $5000

That means you can earn unlimited points on eligible purchases, but less once you’ve reached $5000 in a statement period.

ANZ says most everyday purchases are eligible. Transactions that aren’t eligible to earn ANZ Rewards points include interest charges, fees, cash advances, cash equivalent transactions, balance transfers, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions.

It’s an excellent idea to read the PDS to see the full list of exclusions.

Redeeming ANZ Rewards points

This is where we see the full flexibility of the ANZ Rewards Black. Earning ANZ Rewards points means you can redeem them directly or transfer them to a frequent flyer program you like. You can redeem points for:

• Gift cards with retailers such as Woolworths, Bunnings, Myer and Apple
• ANZ Cashback, where 1250 Rewards Points are equal to $5
• Merchandise from hundreds of retailers at the ANZ Rewards Store
• Velocity Frequent Flyer
• Air New Zealand Airpoints
• Singapore Airlines KrisFlyer

Other extras

This card comes with a host of extras across insurance, discounts and budgeting.

Complimentary insurance. Insurances help to protect your purchases and make travelling cheaper. The ANZ Rewards Black includes:

Concierge services. ANZ’s concierge service is available 24 hours a day. Just call the number and the concierge will help you organise flights, itineraries and accommodation, and book event tickets and restaurants.

You can request help with day-to-day life, like choosing gifts and buying flowers to be delivered. It’s also how you can have your pet grooming organised on autopilot. It’s a nice perk to take some of the mental load out of life.

Cashrewards. You can sign up for Cashrewards and earn cashback from over 2000 big brand names when you shop online (and earn ANZ Rewards Points at the same time).

Instalment plans. You can nominate up to 99 purchases to be paid off in interest-free instalments over 3, 6 or 12 months. You can manage your plans via the ANZ App and cancel anytime without penalty.

Balance transfers. You can transfer amounts over $100 from eligible non-ANZ credit cards and store cards, as long as you haven’t already reached 95% of your available credit limit. While many banks will turn off interest-free days while you have a balance transfer, ANZ says you’ll still get them if you pay your statement’s Closing Balance each month.

What’s not so great

I’ve given this card a big pat on the back so far, but there are a few things to be aware of.

First, as a premium card the annual fee is high. You’ll need to make sure you’re getting the value out of the points and extras to make it worth the ongoing cost.

Next, ANZ Rewards Points expire. You have 36 months to spend them from 31 December of the year the points were earned. If you close your ANZ Rewards account you have 90 days to use your points before they expire.

Lastly, if you want to add extra cardholders you’ll pay an Additional Cardholder fee of $10 and an annual Rewards Program Service fee of $55 per year ($65 in total per person).

Who suits the ANZ Rewards Black?

This is a card with a variety of benefits and loads of flexibility. It suits travellers, people who want points that turn into freebies, lifestyle extras and ways to save on interest.

User reviews

Anz rewards black credit card ( based on 9 creditcard.com.au user reviews ), 57% rating based on 9 reviews, customer service, 56% of users who have rated this card would recommend it, review the anz rewards black credit card.

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Personal Finance Expert - Creditcard.com.au

This offer makes it compelling, offering more bonus points than other banks.

Crusaders Fan

Besides the sign-up offer it is not worth it. If you take into account the annual fee, plus any extra cardholder fee, and the rewards fee and offset this against the points you earn I don't think it is worth it. I spend about $2,500 monthly and the rewards value from this would hardly outweigh the cost of the fees with this card.

Fantastic deal if you know how to use it correctly!

Rates and fees

Interest rates.

Purchase rate 20.99 % p.a.

Cash advance rate 21.99 % p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $15,000

Maximum credit limit N/A

Fees & repayments

Annual fee $375 p.a.

Additional cardholder fee Up to 9 at $65 p.a. each

Foreign transaction fee 3%

Minimum repayment 2% or $25, whichever is greater

Cash advance fee Consumer: 3% (in Australia); 3% of the amount or $4, whichever is greater (for overseas); Commercial: 1.50% or $1.50 whichever is greater

Late payment fee $20

Rewards and points

Rewards program

Bonus points 180,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 in first 3 months from approval

Earning points with this card

ANZ Rewards points 2 points per $1 spent

Points cap per month per $1 up to $5000, 1 pt per $1 over $5,000

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance.

International Travel Insurance Yes - up to 6 consecutive months

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Domestic Travel Insurance

Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay

This card offers a range of travel perks and more points earning power to help you reach the rewards you want quicker. Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period and 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period.

Points can be redeemed for hundreds of different rewards, including merchandise, travel, shopping vouchers, and gift cards. If you don’t have enough points for the reward you want, you can simply make up the difference with cash. This premium card will also give you access to complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply).

Key features

• 180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval
• Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period
• Earn 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
• Uncapped ANZ Reward Points
• Redeem points for flights, merchandise, gift cards, cashback and more
• Complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
• Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance
• Up to 9 additional card holders
• Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Minimum criteria to apply for this card

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa

You have your personal details ready to complete the online application

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

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$1 earn rate  

Points earning • 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">

Qantas Premier Platinum Credit Card

Limited time super-sized Qantas Points

Earn 60k when you spend $3,000 within the first 3 months, plus 20k when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Save 20% on flights for you and 8 friends. Complimentary travel insurance.

Up to 80,000 bonus Qantas Points

Earn 60,000 when you spend $3,000 within the first 3 months, plus 20,000 when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Discounted annual fee for the first year.

Earn rate per $1

Bonus points.

save card more info

Qantas American Express Ultimate Credit Card

60,000 bonus qantas points.

Spend $3,000 within the first 3 months. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

When you spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.

• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

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Home > Travel Insurance > ANZ Travel Insurance Review

ANZ Travel Insurance Review

Learn more about ANZ’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Fact checked

One of Australia’s ‘big four’ banks, ANZ has been servicing the country’s banking and finance needs for more than 50 years. The bank was formed in 1970 after the merger of the Bank of Australasia and the Union Bank of Australia. Since then, ANZ has branched out into offering insurance, credit cards and investment management.

Whether you’re travelling to Singapore or Sydney, if you have your eye on one of ANZ’s travel insurance policies, it's crucial to make sure you do your research with Savvy and compare them with other offers available. By doing so, you can give yourself the best chance at finding the right cover for your travel-related needs.

Get a quote right away and learn more about ANZ’s travel insurance plans when you compare with Savvy today.

*Please note that Savvy does not represent ANZ for its travel insurance products.

More about ANZ travel insurance

What travel insurance policies does anz offer.

Travel insurance is only accessible if you’re a cardholder with ANZ. If you have an ANZ Platinum or Black credit card, you can be automatically covered for the following:

• International Travel Insurance: aside from cancellation benefits, which activate the day you take out your cover, this policy can protect you for up to six consecutive months. You’re also covered for any overseas medical or dental emergencies and the loss or damage of your luggage and travel documents. If you’re a senior traveller under 81, you can qualify for this type of travel insurance policy.
• Domestic Travel Insurance: your interstate and intrastate travel may be covered by domestic travel insurance, as well as travel to Australian territories, with a return domestic flight booked up to 28 days after your departure. The initial 28 days of your holiday are covered, even if it lasts longer. The available coverage includes cancellation or travel delay costs, supplemental costs, and lost or delayed luggage.
• Rental Vehicle Excess: if you hire a car in Australia and charge the entire cost of the rental to your ANZ Black or Platinum credit card account, you may be covered by the rental vehicle excess insurance. The Rental Vehicle Excess in Australia Insurance will cover your rental excess up to $5,000 or the maximum total limit specified in your rental vehicle agreement, whichever is less, provided you are a nominated driver on the rental agreement. If the rental vehicle is damaged or stolen while in your care, the insurance will cover the damage or theft up to the maximum limit of up to the amount in your agreement.

Whether you're travelling to Croatia , taking a flight to Singapore or just journeying within Australia, it's crucial to compare domestic and foreign insurance quotes with Savvy before you purchase your coverage.

What optional extras are available through ANZ?

Unlike other travel insurance companies who provide you with a choice of optional extras such as adventure sports or snow sports cover, ANZ doesn’t offer any extra coverage. You’ll only be offered coverage for what’s already included in your policy.

What exclusions should I be aware of when buying travel insurance through ANZ?

It's crucial to keep in mind that even the most comprehensive travel insurance policy won't give you endless coverage. The exclusions found in ANZ’s Product Disclosure Statement (PDS) include:

• Loss of enjoyment
• Booking travel against doctors’ advice
• Intentionally injuring yourself or attempting suicide
• Knowingly travelling to a country with a ‘do not travel’ warning
• Partaking in dangerous activities, such as rodeo riding, canyoning or running with the bulls in Spain on a European holiday
• Illegal or criminal acts
• Injury, illness or death if you’re over 81 (international insurance)

If you’ve found a policy that draws your eye, make sure you review the PDS before you set your decision in stone.

What we think of ANZ travel insurance

What we like, instant, complimentary travel insurance coverage.

By spending $250 on pre-paid travel costs using your ANZ credit card, you’ll receive instant cover for up to six months free of charge, no matter where in the world you’re holidaying.

Competitive luggage cover

While some travel insurance companies scrimp on the coverage for lost, stolen or damaged luggage, ANZ allows you to claim up to $12,000.

Cover for domestic pets

ANZ lets you claim up to $500 per cardholder if your return home is delayed and you need to cover the cost of additional boarding kennel or cattery fees.

What we don't like

Only available to credit card customers.

ANZ doesn’t offer any standalone travel insurance policies, allowing only those with Platinum or Black credit cards to access cover for a holiday.

No optional extras

In a rare move for a travel insurer, ANZ doesn’t include any add-ons or optional extras as part of its policies.

High excesses

While other travel insurers will usually make you pay between $150 and $250 to make a claim, ANZ’s standard excess is an eye-watering $350.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about ANZ travel insurance

Yes – if you’re diagnosed with COVID-19 during your international holiday, ANZ covers you for overseas emergency assistance, medical costs, cancellation and evacuation costs. If your travelling companion is struck down with coronavirus, you’ll be able to claim any cancellation costs or additional expenses.

Yes – ANZ will cover travellers up to the 26th week of their pregnancy if they become injured or sick during their holiday and give birth. However, no cover is available if you suffer from complications due to your pregnancy or use IVF in an attempt to become pregnant.

Lodging a claim with ANZ on your travel insurance is relatively easy and can be done online. ANZ Global Assistance pays out approved claims, so it’s best to lodge your claim with them. Once you’ve provided all the details surrounding your claim, plus supporting evidence such as medical and police reports of any incidents or receipts, you can submit your claim. It will take about ten business days for a claim form and all necessary documentation to be processed.

There’s no one average cost of travel insurance which you’ll receive, with the price of premiums determined by a unique set of variables including:

• Your date of birth
• Your chosen destination
• The level of coverage you buy
• Any optional extras you need
• Pre-existing medical conditions you need to disclose
• The policy excess you choose
• The type of insurer and insurance policy you buy

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ANZ credit card complimentary going insurance

Wondered what cover she get with anz credit card complimentary go insurance here’s what you need to know and how to make a claim..

In this guide

• Which ANZ credit cards have complimentary travel services?
• How to take cover are ANZ credit card international travel insurance
• What's covered by ANZ complimentary internationally travel assurance?
• What's did covered?

Pre-existing medical conditions

• How till make a claim through your ANZ credit card without international how insurance policy
• Additional types from ANZ complimentary credit card travel insurance
• ANZ credit card complimentary insurance for shopping
• ANZ business credit card complimentary insurance alternatives
• Frequently asked ask

We’re reader-supported both may be payments when you visit links to partner sites. Person don’t comparison all products in the market, but we’re active on it!

What you need to know:

• ANZ credit cards over complimentary international travel insurance offering comprehensive front for up to 6 months in a row when you move overseas.
• You'll get cover when you meet the requirements before travelling (e.g. by paying for your drive with the card).
• Autochthonous spouse and dependants get with you capacity also get cover, but there are some requirements real exclusions .
• Take her have a question otherwise need to make a claim right immediate? Call the insurance provider, Allianz, on 1300 135 271 (from Australia) or +61 7 3305 7465 (from overseas).

Which ANZ credit cards have zustimmend travel insurance?

How to get screen with anz credit card international travel indemnity.

• Use your ANZ financial card up pay for at least $250 of overseas travel costs before you leave All (e.g. your overseas airfare, cruise button accommodation bookings).
• Have a return ticket on Australia before aforementioned start of our trip.
• Permanent live to All oder have a visa that entitles you to residents at the Migration Act (1958)
• Be under 81 years are age at an time you meet an rest of these requirements
• Make sure your journey is for 6 sequential months or lower. Trips over 6 monthdays long won't be covered by this political.

As you make above-mentioned requirements, envelope is spontaneously available to you and qualifying home members travelling with she (when they meet the requirements).

Need written confirmation of cover? Application the “Check eligibility” tool on-line or call Allianz on 1300 135 271 for view details.

What's covered by ANZ complimentary foreign travel insurance?

Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medikament, medical and emergencies cover with an ANZ credit card

Example of when you mag usage this cover on an overseas trip.

If got sick overseas and has to go to hospital for a few days, you could get cover for costs related the:

• Doctor's fees
• Hospital fees
• Changes in your travel plans

Just keep in mind that either travel demand is select to an assessment and there may may extra online provided you're eligible on a payout.

ANZ complimentary global travel insurance for cancellation, delays, choose and transport

⚠️ Keep is mind: Cancellations and other changes for your travel plans are only covered under specific circumstances. For example, is you missed a flight because you needed urgent medical treatment on a protected health issue.

Luggage and personal items cover offer with ANZ borrow mapping complimentary insurance

Hijacking, personal liability, death and other cover offered with suncorp complimentary recognition card travel insurance.

Claims under these benefits are less common and usually only applying in extreme circumstances. None of them have an excess payment but we have listed them claim limits. ANZ credit member enjoy adenine range of complimentary insurances from travel to shopping. Gain protection for your trips and buying.

• Hijacking: Unlimited
• Emergency accommodation due to violence: Up into $300 per day additionally an maximum of $3,000 per cardholder or spouse
• Personalize safety evacuation: Limitless
• Personal liability: Up to $3 million per cardholder or consort
• Legal expenses: Up until $15,000 price cardholder or spouse
• Casual death: $50,000 per cardholder or dear; up to $1,000 per dependent
• Funeral daily: Above up $25,000 for a cardholder or spouse

Note: Unless a specific limited is listed for dependants, any claims related in them will kommenden out the the limit for the cardholder and/or their spouse.

What's not covered?

Some starting the key things him won’t be covered for with ANZ account card complimentary international travel insurance inclusion:

• If you don’t follow advice from any government, official body or mass media notes
• Issues related to drinking alcohol or taking non-prescription drugs
• Travel that’s for the destination of medical treatment
• If you or your partner give birth during the trip, either there have complications arising after week 26 of the pregnancy
• Dangerous activities with rock climbing (with equipment), white water racing, bungy jumping, off-piste snowboarding otherwise skiing or quad button motorbike riding if the engine had a capacity of 200cc or more Compare black credit cards this grant you to earn Qantas Points. Choose from a range of features included balance transfer, tour insurance and extra

Does ANZ complimentary believe card move insurance cover pandemics?

Yes, if you are analyzed use COVID-19 button another epidemic/pandemic illness, this guarantee offers front for claims relating at:

• Overseas crisis assistant
• Overseas emergency medical
• Evacuation and repatriation
• Cancellation
• Additionally expenses

If you're traveler for someone who tests positive for COVID-19, some cover is also available under the cancellation and additional expenses benefits.

⚠️ Remembering: Check the ANZ credit card insurance corporate booklet or call Allianz set 1300 135 271 fork more info about COVID-19 argues and any excludes.

Does ANZ credit card travel insurance cover family members?

Yes, your spouse the dependants (i.e. your children) can moreover getting cover when they is travelling with your for along minimum 50% starting your trip. They also need to meet the same travel booking requirements and other specific of the insurance basic. Check the rule document for full details. Compare Credit Cards - Make Qantas Points | Cards and Building

ANZ’s complementary credit card international travel insurance offers covers for a selected number of pre-existing medical conditions available you meet the requirements, including:

• High blood pressure
• Highs cholesterin
• Coeliac virus
• Diabetes (types 1 furthermore 2)

Whenever your status is listed inbound the policy document, you don't need in apply for writers enrollment for longish as thou meet the following criteria:

• The require is stable
• You are not waiting for treatment
• You are not waiting on results of mobile tests or investigations
• You’re nay on a hospitalization waiting list
• I meet any other criteria targeted listed for your medical set

Some pre-existing medical special have additional requirements. Since example, with diabetes, you need to have been diagnosed at least 12 monthdays before your pick. You also can’t have either known cardiovascular, hypertensive or vascular disease – or any related kidney, eye or neuropathy complications.

⚠️ Store in reason: Every travel insurance policy has is own defined additionally details about pre-existing conditions. You'll find thorough details in the ANZ borrow card complimentary travel insurance policy document.

What are I don't join the requirements otherwise have a different pre-existing condition?

Call Allianz off 1300 135 271 to check if you can use this general. You may become ably to get spell proof from Allianz such one pre-existing medical condition is covered. Keep in understanding that a $75 administration fee may apply than part of this process.

Alternatively, yourself won't get cover available any pre-existing conditions that cause issues. This includes conditions that you've had commercial treatment for and untreated conditions you're cognitive of before you travel. Credit Card Complimentary Insurances

Got a pre-existing health condition? Compare other go insurance policies the give cover for conditions including anxiety, high blood pressure and knee replacement.

Method to make a claim through my ANZ loans my complimentary international travel assurance policy

If it's to emergency, call Allianz on +61 7 3305 7465 when you're overseas or 1300 135 271 in Oceania. To can also submit a claim online by following save steps:

• Go to the Allianz online claim portal at https://claimmanager.com.au/anz/agreement
• Confirm you agree with the terms press conditions, then choose "Create new claim"
• Select the "Credit card insurance" option and provide details of your card
• Permeate inside an details on the claim form and upload your supportive documentation

You will be please about your claim into 10 business days, according toward the buy claims website.

Whats into include in your claim

With insurance asserts, include as multitudinous details as you can. This makes it best for the insurer to look at the claim and your eligibility for adenine payout. Some examples include:

• A referral alternatively letter from a medic or other professional him see in relation in one claim
• Photo evidence
• Guard reports

Perks: Use a travel pouch or create in on-line browse to keep all your important documents together. Like could include your passport, itinerary, printed tickets, adenine copy of the Suncorp card insurance policy booklet – plus anything that could become supporting documentation used asserts.

Other styles of ANZ complimentary bank card travel insurance

Domestic travel actual.

• What is it? Coverage for specific topics that come up when you're traveler to a different state or territory in All. This includes:
• Cancellation: Up in a maximum of $3,000.
• Travel stay expenses: After 4 hours or more, $125 pro human up to a maximum of $300.
• Additional expenses: Up to $3,000.
• Baggage: Up to $750 per covered item with a maximum is $2,000.
• Carry delay: After adenine delay is 12 hours with more, $150 per person up to a limit away $400 for all claims combined.
• Although can I use a? If you have paid for your return domestic plane with your covered ANZ credit mapping before you drop. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs before you leaves (such as accommodation).
• Is there an excess cost? There is a $100 excess cancellation, supplemental total and luggage claims.

Rental means excess in Australia insurance

• What is it? Cover for damage or theft of adenine car or other automobile you have hired in Australia, up to one utmost out $5,000.
• When can I use e? If you’ve used your ANZ credit card to pays the solid cost of the car verleih.
• Is there an excess cost? $100 per claim.

How to make adenine request under one of these policies

Anz credit card kompliment insurance for go.

ANZ credit show give thee access to other typical of insurance by items you buy. Here's a basic explain of apiece one:

• Purchase protection assurance: Offers cover for up into 90 days when you buy one new item with your eligible card and it's then pilfered, accidentally damaged or lost. It covers household and personal items similar as laptops, shoes, jewellery and jars.
• Extended warranty insurance: Cover that doubles the manufacturer's warranty on items acquired in Australia, boost to ampere maximum period of 12 monthly.

Don’t have flattering insurance on our credit card yet? Compare ANZ credit cards or others cards that provide insurance .

ANZ business credit card complimentary insurance options

All ANZ business credit cards your complimentary authorized transaction insurance. Some also offer complimentary international travel assurance and transit accident insurance. Here’s a summary for different ANZ general flip:

Possess an ANZ credit card that’s did on this list? Check the terms and conditions available on the ANZ web to see if your card is eligible. Or, look at ANZ travel insurance you can get without adenine credit card.

Frequently asked questions

Can i get proof of my shroud.

Absolutely. If you’re going on a cruise or tour ensure requires prove of insurance, them can get a letter of benefits wired at www.checkyourcover.com.au/ANZ .

Is pregnancy covered per this travel insurance?

Pregnancy is treated as a pre-existing medical condition but certain cover allow be available for complications are your pregnancy caused by injury or sickness. This includes naturally devised and medicinal assisted (e.g. by IVF) pregnancies. If it were complications before you became eligible for cover, him typically won't get cover for pregnancy-related claims. ANZ is offering 110,000 bonus Qantas Points + $255 back + Lounge Benefits + Insurance with your new ANZ Recurrent Flyer Black Card.

There are and exclusions related to gestation, such as for antenatal caution. Make sure you read the ANZ credit card complimentary general book for thorough view, or call Allianz the 1300 135 271. Insurance and enquiries. Online. Lodge your International Travel Insurance claim at: ... cards: • ANZ Frequent Flyer Platinum. • ANZ Frequent Flyer Black.

• ANZ believe card complimentary insurance about and general booklets
• ANZ Platinum and Black Credit Show Kompliziert Insurance booklet effective 27 April 2022
• ANZ First Credit Card Complimentary Insurance booklet effective 27 April 2022
• ANZ Commercial Cards Terms plus Conditions effective 17 April 2021
• ANZ Business Black Travel Insurance Policy Information Booklet effective 1 April 2020
• Allianz information at ANZ credit card insurance
• Allianz Online Claim manager for ANZ

Amy Bradney-George

Amy Bradney-George is of senior book available credit cards at Art, and acting editor for Finder TEN and Finder Green. She can over 14 years’ experience as a journalist, with adenine especially focus on personal finance, and has been featured in press inclusive ABC News, Money Magazine and The Sydney Tomorrow Herald.

Other guiding on Finder

Acquire $250 back to your card with this promo offer. Plus, save with a competitive 12.49% p.a. purchase rate.

Got and ANZ financial card? Earn points towards rewards is your everyday spending.

This platinum maps offers a $0 first-year one-year fee, $250 credit back offer and complimentary insurance covers.

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The ANZ Regular Flyer Black has adenine competitive extra Qantas Points offering both perks including Qantas Club Lounge invitations also kompliziert insurance. Balance up wenn it's worth the $425 annual feier. anz platinum furthermore black personal credit cards zusatz insurance

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145 Responses

HI I’ve been diagnosed with Motor Neurone Disease and have a trip to Bali on May 25th. Will I still have coverage in a highly flier Anz black card if I need to be flown back to Australia. Many thanks.

Unfortunately, Engine Single Disease is not one is the pre-existing medical conditions that be listed as being covered without an assessment. But you can call Allianz on 1300 135 271 to arrange an assessment of your condition, which may allow you to got scripted confirmation from Allianz that to pre-existing medical condition the covered. AN $75 administration fee maybe apply than part regarding this operation.

Instead, you ca create travel insurance forward pre-existing terms and learn more about different choices on Finder. I hope that helps.

We have booked a half world cruise from Dover to Sydney with oneway journey to London. Could you please confirm if the ANZ complimentary travel insurance will screen the overseas cruise? if s is one termination corporate. Compare credit gift with free travel international that allows it to earn Qantas Points. Card types include Mastercard, Visa, Platinum Cards and continue

Hi Carmen, Cover is free for overseas trip when you meet the provisions. There is cancellation cover like member of the policy, with specific limits for how agent cancellation fees, rescheduling of your journey and withdrawal of services. These get are on page 18 of who policy select ( pdf, effective from 27 April 2022 ).

Keep in mind that you want to use to eligible ANZ credit card for at least $250 worth of travel costs before the tripping, get in Australia or having one returning overseas travel ticket before you leave Australia. There approach doesn’t say the return travel needs to be via the same mode of shipping, either. But supposing you must further questions, you bucket call the insuring provider Allianz on 1300 135 271. EGO expect that helps.

We have booked a cruise to the USA in April move year but can’t book return swiss yet as you too early. Are we still covered please

Hi Lorraine, According the which ANZ Platinum additionally Gloomy Complimentary Insurance principles booklet, you required to have a return travel ticket before you leave Australia. So if she book your return flight before you leave and meet the other specifications, you should be eligible for cover.

For specific questions like these, it’s other one good idea to check with Allianz directly at job 1300 135 271. And if you need an mail by eligibility used the cruise, you can receive one online at http://www.checkyourcover.com.au/ANZ – after you have booked adenine go ticket. EGO hope those helps.

ME have paid available overseas lodging across Paypal that a linked to my ANZ Color Frequent Flyer card am I eligible / overlay for ANZ Travel Insurance? ANZ Complimentary Credit Card Coverage

Hi Ronald, You can stop and get written confirmation the eligibility on cover by calling Allianz on 1300 135 271. As far as the terms and specific los, there is no specific mention of PayPal payments in the ANZ Platinized or Black Complimentary Insurance booklet ( pdf effective 27 April 2022 ). Still supposing you charged at least $250 of overseas type to which card and it’s showing go the account, it’s possible you’ll be covered but checking with Allianz will provide clarification on this. Hope that helps.

performs my gloomy incentives card cover my domestic travel assurance for all types of ambulance flights if ego have an accident or get sick included desert regions whilst the an organised tour? I will will paid for my travel employing my rewards visa card. Compare Borrow Card that earn Qantas Points | Qantas Frequent Flyer AU

The gratis indoor travel coverage offered upon ANZ titanium or sinister credit cards is only available if you have paid for own return domestic flight with your eligible ANZ account mapping before you leave. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs before yours leave (e.g. an eligible tour). ANZ Recurrent Flyer White

There is multiple coat available for additional expenses related to injury or sickness, including travel and accommodation costs in specific situations. An insurance police booklet has comprehensive details of this cover ( here is the pdf version effective 27 April 2022 , ANZ should deploy any refreshed renditions to cardholders). For specific questions, you could also point Allianz for 1300 135 271 (Mon-Fri between 8am-7pm AEST; Sat 8am-5pm AEST). Or email [email protected] . ME hope that helps.

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Credit card travel insurance

How do I qualify for travel insurance using my credit card?

If you have an ANZ Airpoints Visa Platinum credit card, and you pay for at least half of your pre-paid travel expenses with your card you may be eligible to receive overseas travel insurance.

To check your eligibility, please visit our ANZ travel insurance website

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Earn Qantas Points with ANZ Frequent Flyer Black

Enjoy our highest Qantas Points earn rate disclaimer plus our new credit card offer:

Apply online now

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425 ). disclaimer

What to expect from this Qantas Points card…

Qantas points.

Earn 1 Qantas Point for every $1 up to and including $7,500*

Earn 0.5 Qantas Points for every $1 over $7,500*

(*per statement period, eligible purchases only) disclaimer

 interest rate

on purchases disclaimer

$15,000 minimum credit limit

and you expect you will be able to repay all or most of the closing balance each month

$425 Annual Fee disclaimer

Things to consider.

• A higher interest rate on purchases compared to the ANZ Low Rate card, so the ANZ Frequent Flyer Black card might not be suitable if you only make minimum repayments over a prolonged period
• A higher annual fee compared to the ANZ First card and ANZ Frequent Flyer Platinum.

Plus you'll also get...

Travel insurance.

Planning a trip? You may be eligible for complimentary travel insurance, disclaimer plus cover for rental vehicle excess in Australia, disclaimer when you purchase travel using your ANZ credit card.

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply . disclaimer

Insurance on purchases

Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance disclaimer and Purchase Protection Insurance. disclaimer

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply. disclaimer

Buy now, repay later

ANZ Instalment Plans could be a handy way to repay your eligible credit card purchases over 3, 6 or 12 months.

Approval, eligibility and T&Cs apply. Fees and charges may apply.

24/7 Personal concierge

Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more. disclaimer

Call us on 1300 580 765 (or +61 2 7907 0805 ).

ANZ Falcon® fraud protection

ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.

Balance transfers

Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment. disclaimer

Cashrewards

Earn cashback plus Qantas Points disclaimer from more than 2,000 popular retailers when you shop through Cashrewards. disclaimer

Digital wallet compatible

An easy way to pay using your ANZ credit card on your compatible mobile device. disclaimer And, if you need a replacement card, digital cards are faster than the post.

More Qantas features

Bonus qantas points.

Earn 1 bonus Qantas Point disclaimer per $1 spent on selected Qantas products and services, as well as bonus points disclaimer with our Bonus Partners.

Qantas Frequent flyer membership

Complimentary Qantas Frequent Flyer membership, currently worth $99.50 if you're not yet a member and sign up using the link provided by ANZ. disclaimer

2x Qantas club lounge invitations

Two complimentary Qantas Club lounge invitations each year disclaimer and a discount on a 1-year Qantas Club membership. disclaimer

What could 130,000 Qantas Points get you? disclaimer

You could redeem them for one of the following:

Domestic flights

across a whole range of popular routes.

International flights

so you can treat yourself to a well-deserved holiday.

Classic upgrade rewards  

for a little luxury on international or domestic flights.

Rates and fees

• $15,000 Minimum credit limit

Up to 55 Interest-free days on purchases disclaimer

Standard interest rates

on cash advances disclaimer

on balance transfers disclaimer

Annual fees

$425 Annual Fee (includes $370 Annual Fee and $55 Rewards Program Service Fee) disclaimer

Up to 9 additional cardholders for an annual fee of $65 per additional cardholder disclaimer

For details about all applicable fees & charges please refer to the   ANZ Credit Cards Conditions of Use (PDF)  and  ANZ Personal Banking Account Fees and Charges (PDF) .

Eligibility

Who can apply  .

To apply for an ANZ Frequent Flyer Black credit card, you’ll need to:

• be 18 years of age or over
• be an Australian or New Zealand citizen, permanent resident or have more than 9 months left on your visa
• have a good credit rating
• ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Frequent Flyer Black, ANZ Frequent Flyer Platinum or an ANZ Frequent Flyer credit card in the last 12 months.

Not sure if you’re eligible?

Call our credit card specialists on 13 22 73 .

Get started online

Apply online.

You’ll need:

• Details of your income, expenses, liabilities and assets
• Proof of identity.

Credit Card Quick Start

Get started now

Start your application online. We’ll call you back within 2 business days to help you complete it.

See our other Frequent Flyer and Rewards credit cards

• Uncapped Qantas Points earn rate disclaimer
• $6,000 Minimum credit limit
• $295 current annual fee disclaimer

Earn 75,000 bonus Qantas Points and $100 back to your new ANZ Frequent Flyer Platinum card when you spend $2,500 on eligible purchases in the first 3 months from approval. disclaimer

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295). disclaimer

ANZ Frequent Flyer Platinum  

• Highest ANZ Reward Points earn rate disclaimer
• $375 current annual fee disclaimer

Earn 180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black card when you spend $3,000 on eligible purchases in the first 3 months from approval. disclaimer

New Rewards card. T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $375). disclaimer

See ANZ Rewards Black   

• Uncapped ANZ Reward Points earn rate disclaimer 
• $149 current annual fee disclaimer

Earn 100,000 extra ANZ Reward Points disclaimer and $50 back to your new ANZ Rewards Platinum card when you spend $2,000 on eligible purchases in the first 3 months from approval. disclaimer

New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). disclaimer

See ANZ Rewards Platinum   

Ways your credit card is protected

Fraud money back guarantee.

Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs. disclaimer

Card security microchip

An embedded card microchip makes it harder for your card to be fraudulently copied.

Visa secure

(formerly known as verified by visa).

Some added peace of mind to securely shop online. 

Decisions? Decisions? Need help choosing a credit card?

Explore our range and compare features, trade-offs and fees to help you choose the card that suits you best.

Visit credit card finder

Your questions answered

Yes, you can apply for this card. You’ll also receive complimentary Qantas Frequent Flyer membership if your application for an ANZ Frequent Flyer credit card is approved. disclaimer

Your Qantas Points are automatically credited to your Qantas Frequent Flyer account every month. To find out how to use your Qantas Points and when they expire, visit the Qantas website .

You can redeem your Qantas Frequent Flyer points online at the Qantas website . Points may be spent on flights, hotels, shopping and more.

You can check your Qantas Frequent Flyer balance by logging into your Frequent Flyer account at the Qantas website.

Our Frequent Flyer credit cards are for Qantas Frequent Flyer points earning only. Velocity Frequent Flyer members may like to check out our Rewards credit cards, which allow you to redeem your ANZ Rewards Points with our other airline partners, including Velocity Frequent Flyer. disclaimer

ANZ Frequent Flyer Black credit cardholders are entitled to two complimentary Qantas Club lounge invitations in any 12-month period.

You can redeem your complimentary Qantas Club lounge invitations by calling ANZ Concierge on 1300 580 765 (or +61 2 7907 0805 from overseas).

Most every day purchases are eligible purchases. Certain transactions and other items are not eligible to earn Qantas Points. Examples of transactions and other items that do not earn Qantas Points are interest charges, fees, cash advances, cash equivalent transactions, balance transfers, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. For more details of transactions that are not eligible to earn Qantas Points and how these transactions are identified, please refer to the ANZ Frequent Flyer Reward Terms and Conditions (PDF) .

Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only.  

To request a change of credit card, choose one of the following options.  

Log on to ANZ Internet Banking and select your credit card account  

Over the phone:

Call 13 22 73  between 7am-11pm (AEST) 7 days a week.

Call +61 3 9683 9999 from overseas.

Credit scores

The credit reporting bodies will provide you with one free credit report per year. Additional reports can be requested at a cost.

To obtain your credit report you’ll need to contact one or a combination of the credit reporting bodies.

Visit the Credit Smart website for more information

There is no quick fix, improving your credit score will take time. Getting on top of your repayments and ensuring they are made on time is a good place to start. For more tips on how to improve your score, visit the Credit Smart website.

Getting started

Activate card and set PIN  

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Interest rates, fees & terms  

Using your card

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Decrease limit or close account  

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Gambling help  

Other help topics

Notify us of travel  

Credit card insurance  

Join Cashrewards  

Redeeming Rewards  

Boost your credit card knowledge

With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Creducation is an online educational series that explores credit card interest, making payments, balance transfers and more.

Learn more about Creducation  

More Help and Support

Connect with our specialists

Our team are available Monday to Friday from 8am to 8pm (AEST).

Call 13 22 73

Find your nearest ATM or branch.

Book an appointment

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Get help with your application

We're here to answer your application questions and help you get started.

Request a callback

Important information

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the  ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) . Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.

Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) . The 90,000 bonus Qantas Points and $200 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $200 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 40,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. The 130,000 bonus Qantas Points will not be credited and you will not be eligible for $200 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF) prior to the bonus Qantas Points or $200 being credited to your ANZ Credit Card Account. You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account.  These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73  for information regarding the fees that apply to their account.

Standard annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the  ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders.

ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice.

Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.

Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply .  Please visit Cashrewards for further details.

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments . Terms and conditions apply to the use of Apple Pay , Google Pay , Samsung Pay ,  Fitbit Pay and Garmin Pay .

Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the  Qantas website . This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Current joining fee $99.50 as at 7 April, 2022, subject to change.

Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765 . Qantas Club Complimentary Invitations will then be available via the Complimentary Invitations Portal, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use (PDF) and the account remains open. Qantas Club Complimentary Invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas operated International Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way and Qantas reserves the right to cancel invitations that are in breach of this policy. Invitations are valid for 12 months from date of issue. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on qantas.com/qantasclub . Qantas Club Complimentary Invitations are subject to Complimentary Lounge Invitation Terms and Conditions and Qantas Club Lounge Entry Terms and Conditions . Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff.

Offer only available to ANZ Frequent Flyer Black cardholders who are Australian residents. Offer non-transferable and not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. Customers who are eligible for this offer and contact the Qantas Frequent Flyer Service Centre on 13 11 31 to renew or purchase a new standard one year individual Qantas Club membership using an ANZ Frequent Flyer Black card will receive a joining fee waiver and discount on their standard one-year individual membership rate for Australian residents. Please speak to the Qantas Frequent Flyer Service Centre for current discounts and pricing. Different rates may be available for those with access to the Qantas Club Corporate scheme. Only one joining fee waiver and one membership fee discount available per year, per cardholder. Qantas Club membership is subject to approval by Qantas and to the terms and conditions of The Qantas Club, available at  qantas.com/qantasclub .

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the  ANZ Credit Cards Conditions of Use (PDF) . Existing customers should review their credit contract for information regarding their account.

ANZ Reward Points are earned and redeemed in the ANZ Rewards store in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF) . Certain transactions and other items are not eligible to earn Reward Points, for details refer to the  ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF).

For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee.  For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of  $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

Offer available to new and approved applicants who apply for an ANZ Rewards Black Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF) . The $150 will generally be credited to your credit card account within three months of meeting the spend criteria. The $150 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. ANZ Rewards Points will generally be credited to your ANZ Rewards Account within 3 months of meeting the spend criteria. ANZ Rewards Points will not be credited and you will not be eligible for the $150 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF)  or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit card in the last 12 months.

Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum Credit Card and is limited to one offer per applicant.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) . The 75,000 bonus Qantas Points and $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 75,000 bonus Qantas Points will not be credited and you will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

Offer available to new and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF) . The 100,000 extra ANZ Reward Points and the $50 will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the Purchases balance and does not constitute a payment under your contract with ANZ. The 100,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Rewards Credit Card in the last 12 months.

Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF) .