ANZ has a number of points-earning credit cards in Australia. Most are linked to ANZ Rewards, which is ANZ’s own points program. Through that program, points can be transferred to partners like Virgin Australia Velocity, Singapore Airlines KrisFlyer and Cathay (Asia Miles).

Other ANZ cards offer the ability to directly earn Qantas Points with Qantas Frequent Flyer. Here’s a peek at ANZ’s latest points-earning offers.

Frequently Asked Questions

What’s the difference between ANZ Rewards and ANZ Qantas cards?

ANZ Rewards cards earn flexible points which can be redeemed for gift cards, travel, or transferred to partners. ANZ Qantas cards earn Qantas Points directly into your frequent flyer account.

How do ANZ bonus point offers work?

ANZ typically offers bonus points when you meet a spend requirement within the first 3 months. For example, spend $2,000 and receive 100,000 points. Terms vary by card.

Does ANZ have a flexible rewards program?

Yes—ANZ Rewards lets you earn and redeem for travel, gift cards, or transfer points to airline partners like Velocity and Asia Miles.

Can I use ANZ cards with Apple Pay or Google Pay?

Yes, most ANZ credit cards support digital wallets for contactless payments.

Do ANZ credit cards include complimentary insurance?

Many ANZ premium cards offer international travel insurance, purchase protection, and extended warranty. Make sure to activate it by using your card to pay for travel.

Is there a minimum income required for ANZ credit cards?

ANZ doesn’t publish income requirements, but higher-tier cards like the ANZ Black are typically aimed at individuals with higher income levels.

How are ANZ interest-free days calculated?

You can get up to 55 days interest-free if you pay your statement balance in full by the due date each month.

Are ANZ credit cards good for points transfers?

ANZ Rewards points can be transferred to Velocity, KrisFlyer and Asia Miles—ideal if you want flexibility in choosing airlines.

Do I need to be an ANZ customer to apply?

No, you don’t need an existing ANZ account to apply for a credit card.

Can I earn Qantas Points on ATO payments with ANZ cards?

Some cards may award points on government payments, but surcharges apply. Check the individual card’s fine print.

ANZ Frequent Flyer & Rewards Credit Cards was last modified: August 22nd, 2025 by Daniel Sciberras