The ANZ Rewards Card offer cardholders the ability to earn flexible ANZ Rewards Points on everyday purchases. As an entry-level card, it does not include any additional benefits aside from earning flexible points on spend which can then be redeemed of gift cards or transferred to relevant frequent flyer programs such as Velocity Points, KrisFlyer Miles and Asia Miles.

There are also offers of 80,000 bonus ANZ Reward Points with the ANZ Rewards Black, or 50,000 bonus ANZ Rewards Points and $0 first year annual fee with the ANZ Rewards Platinum.

Digging into the details of the ANZ Rewards Classic

The ANZ Rewards Classic credit card earns ANZ Reward Points, which is ANZ’s own rewards program. We like flexible points programs at Point Hacks – they allow you to earn points in a single program with the ability to move them to a partner program of choice (such as Krisflyer) at a later date.

Card Details

CardANZ Rewards
Loyalty programANZ Rewards
Points earned from spend1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period, then 0.5 Reward Points per $1 spent on eligible purchase above $1,000 per statement period
Included insurancesNone
Overseas transaction fee3% of the converted amount
Mobile WalletApple Pay, Google Pay
Purchase rate20.24%
Cash advance rate21.24%
Interest Free daysUp to 55 days
Annual fee$80

The Classic account is the entry-level account for those who don’t want to incur a high annual fee. You’ll earn 1 ANZ reward Points for $1 spent on eligible purchases up to $1,000 per statement period, then 0.5 Reward Points per $1 spent on eligible purchase above $1,000 per statement period.

There are few other benefits with this account – no insurances and the like – and you can get up to 3 additional cardholders ($65 p.a. per additional cardholder).

With this account you can earn the equivalent of 0.33 KrisFlyer miles or Asia Miles, or 0.005 Airpoints per $ spent on eligible purchases.

Apple Pay + Google Pay support with ANZ

ANZ cards support Apple Pay & Google Pay, meaning you can use their cards on your smartphone for easier payments. Find out more in our guides for each of the compatible services.

Apple Pay Australian Banks | Point Hacks

Card eligibility criteria

These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.

  • Be 18 years old of age or over, and;
  • Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your visa

Summing up: ANZ Rewards Classic

The ANZ Rewards Classic credit card as mentioned is the entry-level of the ANZ Rewards cards range and as expected does not include any additional benefits aside from the ability to earn points on spend.

With a program like ANZ Rewards, the key benefit is in the additional options that having many program transfer partners on offer gives when it comes to redeem your hard-earned points. It does make managing your points a little more time-consuming as you have to factor that into your travel plans.

Earn uncapped Reward Points with the ANZ Rewards Credit Card was last modified: April 27th, 2022 by Daniel Sciberras