Learn about the ANZ Rewards Travel Adventures credit card in this review to help you decide whether this is the card for you.

TickEarn reward points
TickComplimentary return domestic flight offered
TickTwo complimentary Virgin Australia lounge passes offered
TickComplimentary travel insurance
TickNo overseas ATM withdrawal fee
Tick24/7 personal concierge
TickYou don’t have to be an ANZ customer

ANZ Rewards Travel Adventures card

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The ANZ Rewards Travel Adventures card seems like a great choice at first glance. Jam packed with benefits, rewards and freebies, who wouldn’t be interested? However, we want to make sure that you’re aware of everything, both good and bad, before you apply. We have gathered all the information in a simplified article without any of the jargon.

What this review will include:

  • Pros and Cons
  • Benefits
  • Fees and charges
  • Reward points
  • How to apply


Pros & Cons

Pros Cons
Complimentary return domestic flight High annual fee of $225
Complimentary lounge passes Complimentary lounge passes only available to primary card holder
Complimentary travel insurance To be eligible for complimentary offers you must spend over $500 in the first 3 months
No transaction or ATM withdrawal fee overseas $65 additional cardholder fee
Minimum credit of $6000

 


Benefits of the ANZ Rewards Travel Adventure Card

 

Savings Savings

The major benefit of this card are the amount of savings you can have if you spend correctly and meet the eligibility requirements. Here is a list of a few things you can save through using the ANZ Rewards Travel Adventures Card:

 

  • No overseas transaction fees
  • No cash advance fee when you withdraw cash from an overseas branch or ATM
  • No ATM withdrawal fee*
  • Complimentary return domestic flight when you spend $500 on eligible purchases within the first 3 months
  • Two complimentary Virgin Australia lounge passes when you spend $500 on eligible purchases within the first 3 months**
  • Complimentary travel and medical insurance offered by QBE Insurance

 

*ATMs will likely provide their own charge so beware of this when withdrawing money overseas
**Lounge passes are only available to the primary cardholder

 

 Security

  • ANZ Falcon™ provides round-the-clock monitoring for suspicious transactions
  • You won't be liable for fraudulent transactions on your ANZ credit card account with ANZ Fraud Money Back Guarantee
  • Worldwide emergency credit card replacement

Visa Icon Convenience

  • ANZ goMoney® to use your card
  • 24/7 Concierge service
  • Up to 9 additional card holders

 


Fees and Charges

 

Minimum amounts for the ANZ Reward Travel Adventures Card:

Minimum Income Minimum Credit Minimum Repayment
$35,000 per annum $6000
$5 fee per month if you fall below this credit
2% of the closing balance
OR
$25 (whichever is cheapest)

 

 

Fees for the ANZ Reward Travel Adventures Card:

# Fee Type Cost
1 Annual fee $225 per annum
($170 annual account fee + $55 Rewards progam service fee)
2 Cash advance  $15
3 Late payment Fee $20
4 Interest rate on purchases 20.24%
5 Interest rate on cash advances 21.74%
6 Interest rate of standard balance transfers 21.74%
7 Over limit fee $20
8 Additional cardholder fee $65 per annum

 


Reward Points

 

This is where the difference between Visa and Amex come in, as you can choose which rewards programme you would like to be a part of. You have access to over 1000 different rewards that you can look at here, ranging from entertainment to hotels and including shopping at stores such as Bunnings, Woolworths, Myer, Flight Centre and many more. To give you an idea, we’ve pasted the rewards points below:

 

  • American Express: 2 points per $1 you spend on eligible purchases
  • Visa: 1 points per $1 you spend on eligible purchases

 

There is no cap for earning points so you can earn as much as you like and spend them as you wish. You can also transfer and redeem them for frequent flyer points Velocity, Air New Zealand Airpoints, Cathay Pacific Asia Miles or Singapore Airlines Kris Flyer frequent flyer programs.

 

TIP: Eligible purchases constitute as your everyday transactions i.e. supermarkets, petrol, food, restaurant’s etc. Note that reward points cannot be collected through: fees, cash, balance transfers, premiums paid for insurance, gambling or for gaming purposes. Anything that is treated as cash advance is also ineligible like lottery, rent, ATO and paying some bills.

 


 

Case Study

 

Olivia lives and works in Melbourne as a full-time interior designer. She wanted a credit card that offered ways she could benefit from the money she spent day-to-day. As she had worked in her industry for over two years now, she was confident in her ability to repay the amount she spent, and also wanted a card that helped her earn reward points that she could transfer to her frequent flyer points.

This would help her pay for her regular flights to see her family in Darwin. As she banks with ANZ already, Olivia first looked with them to see if any of the cards they offered suited her and what she wanted to get from a credit card.

She was instantly attracted to the ANZ Travel Rewards Adventures credit card after hearing of its rewards scheme, teamed with its long list of benefits. As she met the criteria to apply, and was confident of keeping the minimum balance, Olivia applied online and had her credit card ready to use within five business days.

 


How To Apply for the ANZ Rewards Travel Adventures Card

To apply for the ANZ Rewards Travel Adventures Card you must meet the criteria:

  • Be over 18
  • Have a good credit rating
  • Be a permanent Australian resident and earn over $35,000 per annum; or
  • Be a temporary Australian resident with a minimum of 9 months on your visa and earning the equivalent of $35,000 per annum

28 degrees

Apply online, in any ANZ branch or over the phone. Have the following with you:

Check Mark Australian driver's license number (if you have one)

Check MarkDetails of your income, expenses, assets and liabilities

Check Mark Two recent pay slips for income verification

Check Mark If you’re self-employed, you’ll need your accountant’s phone number

Visit ANZ        Learn More

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