ANZ's Rewards Travel Adventures card is targeted at frequent travellers with no overseas transaction fee on purchases. Also included is a Virgin Australia domestic return flight, plus two single entry Virgin Australia lounge passes - both after spending $500 on eligible purchases in the first three months, and for the accountholder only. Eligibility criteria, T&Cs, fees, charges, flight restrictions and lounge conditions apply.
- One complimentary return domestic flight each year with Virgin Australia
- No overseas transaction fee on purchases
- Two complimentary single entry Virgin Australia lounge passes each year
- 1.5 ANZ Reward points earned per $1 spent on eligible purchases uncapped until 5 August 2017
- After 5th August 2017 points caps apply - earn 1.5 Reward Points per $1 spent on eligible purchases up to $2,000 per statement period, then 0.5 Reward Points per $1 spent on eligible purchases above $2,000 per statement period
- Annual Fee: $225 p.a.
- Spend $500 on eligible purchases in first 3 months to access domestic return flight and Virgin Australia lounge passes
- Eligibility criteria, T&Cs, fees and charges apply
Point Hacks earn up to $150 per applicant for this card. More about this →
The ANZ Rewards Travel Adventures Visa is designed to appeal to both travellers and those interested in rewards points, with a competitive $225 annual fee compared to other cards on the market.
ANZ made a number of changes to their card range in March 2017, removing the linked American Express and adjusting various other features of the cards. You can read more about those changes here.
There’s no bonus points for new applicants right now – but new cardholders will receive a complimentary Virgin Australia domestic return flight and two single entry Virgin Australia lounge passes after $500 spend on eligible purchases in the first 3 months – and these benefits renew each year (unless the card is cancelled).
ANZ key terms: Eligibility criteria, T&Cs, fees and charges apply. Flight and lounge passes available to accountholder only. Flight restrictions and lounge conditions apply.
|Card||ANZ Rewards Travel Adventures Card|
|Loyalty program||ANZ Rewards - linked to Velocity, Asia Miles, Krisflyer & Airpoints|
|Points earned from spend||1.5 Reward Points per $1 spent on eligible purchases up to $2,000 per statement period, then 0.5 Reward Points per $1 spent on eligible purchases above $2,000 per statement period|
|Travel benefits||A free Virgin Australia domestic flight each year*
Two Virgin Australia lounge passes each year*
|Overseas transaction fee||None|
|Annual fee||$225 p.a.|
Earning ANZ Reward Points with the ANZ Rewards Travel Adventures card
We have a full guide to ANZ Rewards here, but in a nutshell, points can be transferred out to Velocity Frequent Flyer, Singapore Airlines KrisFlyer, and Cathay Pacific Asia Miles and Air New Zealand Airpoints dollars. You can also redeem ANZ Reward Points for gift vouchers and other merchandise.
Everyday purchases with the Rewards Travel Adventures Card earns 1.5 ANZ Reward Points per dollar.
ANZ Reward Points are transferred to Velocity at 2 ANZ Reward Points = 1 Velocity point, and to Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles at 3 ANZ Reward Points to 1 frequent flyer mile.
The effective Velocity point earn rate on this card is 0.75 Velocity points per $1. For KrisFlyer miles and Asia Miles, it’s 0.5 miles per $1.
These points earn rates are not exceptional compared to other cards on the market, say ANZ Rewards Black. But earning points is not a focus for this card – instead there’s a balance being struck between points earn alongside travel specific benefits, which we’ll get into next.
Earn bonus ANZ Rewards points at the ANZ Bonus Points mall as a cardholder
The ANZ Rewards Travel Adventures Card is also eligible to use the ANZ Bonus Points Mall as a means to earn more bonus points when shopping online, after clicking through from the ANZ Bonus Points Mall website.
This is a neat, unique win for ANZ Rewards cardholders. By comparison to earning points from Virgin or Qantas own online malls, you can earn more ANZ Rewards points which have greater flexibility.
No overseas transaction fee for overseas purchases
Only a select few cards on the market in Australia offer this benefit, and with consumers (like me!) spending increasingly at a global level on many products and services, not just travel, incurring fees of 2-3.5% on other cards can quickly rack up.
It’s pleasing to see another card offer no overseas transaction fee as a product feature given the potential for real savings on almost every non-AUD denominated transaction, whether that’s on spend for when you’re travelling, or when buying goods and services that are billed outside of Australia.
The best part? You’ll earn the full points earn rate for eligible purchases, plus the no overseas transaction fee benefit.
ANZ state that the overseas transaction fee is waived for foreign currency purchases, and purchases where the merchant or financial institution accepting the card is located outside Australia.
On top of that, cash advance fees are also waived when you use the ANZ Rewards Travel Adventures card to withdraw cash from a branch or ATM outside of Australia.
Of course, a cash advance fee like many other accounts applies to other cash advances on your account, and you could incur ATM fees from the ATM operator too.
Complimentary return domestic Virgin Australia flight
The complimentary domestic return flight is available each year until the card is cancelled, and becomes available in the current offer after spending $500 on eligible purchases in the first three months.
The first key thing to understand is that there a list of routes between cities that you can redeem your Economy flight for. Here’s the table, which thankfully is actually fairly extensive. You can use your complimentary flight in either direction between each city pair in the list below – this list is accurate as of 27th June 2016 – but double check on the ANZ website for any changes since.
|Ballina / Byron||Sydney|
|Sydney||Ballina / Byron|
The available city pairs between which you can use the complimentary flight is fairly extensive compared to other similar benefits from other banks, with West to East Coast (and vice versa) routings allowed between Perth and Sydney, Brisbane and Melbourne.
Another key restriction is that ANZ state that “bookings are subject to availability and some flights may not have complimentary seats available”.
Given this is a new card we’re yet to get first-hand access when it comes to how availability for the complimentary flight benefit works in practice. I’m hopeful I’ll get more information on this in coming weeks.
Next, the complimentary domestic flight is going to work best for people who can plan their trips, as it must be booked at least 60 days in advance of travel.
There’s another set of restrictions to know about too – the account holder must be the traveller on the complimentary flight when it’s redeemed, and you won’t earn Velocity points, status credits or be able use upgrade options (points or Platinum upgrade credits) on the complimentary flight.
There are some more detailed flight terms available at anz.com/adventurescardwelcome
Two single entry Virgin Australia lounge passes each year you hold the card
Just like the complimentary flight, the Virgin Australia lounge passes become available after $500 minimum spend in first three months, and are available each year until the card is cancelled.
You can use the lounge passes at any of Virgin Australia’s domestic lounges which are in a number locations around Australia.
If you’re a Velocity member you’ll be able add the lounge passes to your account for use when you arrive at the lounge. Otherwise, if you call ANZ Rewards the passes will be posted out to you within 4 weeks.
Switching from another ANZ credit card to the ANZ Rewards Travel Adventures card
It’s likely that there might be a few cardholders who would want to either change their existing ANZ Rewards card to the ANZ Rewards Travel Adventures card, or add the card to their portfolio.
The advice I’ve been given from ANZ is that existing cardholders wishing to transfer their existing account should request an ‘inter-product transfer’ from ANZ either through internet banking, an ANZ branch or by calling the ANZ cards team directly to make the move.
Summing up – ANZ Rewards Travel Adventures card
With the ANZ Rewards Travel Adventures card ANZ have clearly tried to mix and match travel benefits and points earn to create a compelling offering that’s not just about earning bonus points and points from spend.
The complimentary flight is a useful win for cardholders, but the restrictions on how to use it need to be noted for them to ensure they get the most value from it.
Similarly with the Virgin Australia single entry lounge passes – a number of cards now offer this benefit, and if you have no other way to access the Virgin Australia lounge then they are really useful – but you need to remember that according to the terms and conditions, the accountholder must be present when they are used.
My personal favourite benefit is the lack of overseas transaction fee, as this is an essentially an uncapped saving of 2-3.5% versus other cards which impose this fee.
If you spend a lot on your card outside of Australia, or not in Australian Dollars, this can quickly add up – and you’ll earn full points when doing so.
ANZ Rewards Travel Adventures card could quickly become a ‘go to’ card in your wallet when you’re travelling thanks to the lack of overseas transaction fees.
ANZ would also like us to include the following disclaimer.
Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet, e.g. fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate or different earn rate bands. Existing customers should call 13 13 14 for information regarding the Reward Points earn rate(s) that apply to their account.
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