The ANZ Rewards Travel Adventures credit card is designed to appeal to both travellers and those interested in rewards points, with no overseas transaction fees on purchases and a competitive annual fee compared to other cards on the market.

However, ANZ is making major changes to the rewards on offer, along with a significant cut in the annual fee from $225 to $120 a year. These changes are all effective from 1 December 2020 onwards. This guide is now updated with those changes in mind, and this card guide is now updated appropriately.

Digging into the details of the ANZ Rewards Travel Adventures credit card (from 1 December 2020)

Card Details

CardANZ Rewards Travel Adventures Card
Loyalty programANZ Rewards—linked to Asia Miles, KrisFlyer & Airpoints
Points earned from spend1.5 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 benefitsNo fees charged by ANZ for using your card overseas, including withdrawing from foreign ATMs
(however third-party operators may still charge fees)
Included InsuranceInternational Travel Insurance, Transit Accident Insurance,
Rental Vehicle Excess in Australia Insurance, Purchase Protection Insurance,
Extended Warranty Insurance, Guaranteed Pricing Scheme and Interstate Flight Inconvenience Insurance
(PDS 1), (PDS 2)
Overseas transaction feeNone
Purchase rate20.24%
Cash advance rate20.24%
Interest Free daysUp to 55 days
Annual fee$120 p.a.

What’s different with the ANZ Rewards Travel Adventures card after 1 December 2020?

From that date onwards, two major travel benefits will be eliminated from the card:

  • Complimentary return economy domestic flight operated by Virgin Australia 
  • Two Virgin Australia domestic lounge passes each year until the card is cancelled

As a result, the annual fee of the card is reduced to $120, comprising of a $65 annual card fee and a $55 Rewards Program fee.

We have a full guide to ANZ Rewards. In a nutshell, points can still be transferred out to Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles and Air New Zealand Airpoints. You can also redeem ANZ Rewards Points for gift vouchers and other merchandise.

Everyday purchases with the Rewards Travel Adventures Card earn 1.5 ANZ Reward Points per dollar on eligible purchases. This equates to 0.5 KrisFlyer miles or Asia Miles, 0.0075 Airpoints per dollar spent on eligible purchases.

These points earn rates are not exceptional compared to other cards on the market such as the ANZ Rewards Black. Unfortunately, with the removal of the Virgin Australia travel benefits, this card is no longer a competitive product for its price.

No overseas transaction fee for overseas purchases

Only a select few cards on the market in Australia offer this benefit, and with consumers spending increasingly at a global level on many products and services, not just travel, incurring fees of 2-4% on other cards can quickly rack up. This feature is not being removed after 1 December 2020.

It is 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 transaction, whether that is for charges incurred while overseas 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.

On top of that, cash advance fees are also waived when you use the ANZ Rewards Travel Adventures credit 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 included insurances

The ANZ Rewards Travel Adventures card comes with the following insurances:

  • International Travel Insurance
  • Rental Vehicle Excess in Australia Insurance
  • Purchase Protection Insurance
  • Extended Warranty Insurance
  • Guaranteed Pricing Scheme
  • Transit Accident Insurance when travelling on a plane, tourist bus, train or ferry paid for with your credit card
  • Interstate Flight Inconvenience Insurance

These are all fairly intangible benefits, meaning that some people may get great use out of them, while others wouldn’t value them highly. Read PDS 1 and PDS 2 here.

It’s hard to say generally if they are worth the $120 annual fee, but if you end up using them, they’ll definitely help justify the fee.

This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.

This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.

Earn bonus ANZ Rewards points at the ANZ Bonus Points Mall

The ANZ Rewards Travel Adventures credit 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. In comparison to earning points from Velocity or Qantas’ own online malls, you can earn more ANZ Rewards points, which have greater flexibility (being able to be transferred out to various partners).

ANZ Bonus Points Mall
The ANZ Bonus Points Mall could help you earn bigger rewards, sooner

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

ANZ Rewards Travel Adventures Credit Card was last modified: November 18th, 2020 by Daniel Sciberras

What’s happening to the old Virgin Australia travel benefits?

As we’ve mentioned previously, both the Virgin Australia free flight benefit and the complimentary lounge passes will be axed from 1 December 2020 onwards. Existing users must book flights and/or request the lounge passes before 8pm AEDT on 30 November 2020.

Call the ANZ Rewards Centre on 1300 367 763 (Mon to Fri, 8am to 8pm AEDT) as soon as possible. We’ll keep our sections on the flights and lounge access passes active on this page until further notice, to assist ANZ customers with redeeming these benefits.

If you haven’t yet redeemed the Virgin Australia travel benefits and wish to have your current annual fee reduced instead, call ANZ on 1800 824 433 (Mon to Fri, 8am to 8pm AEST).

How to use the included Virgin Australia free return flight

IMPORTANT: Existing ANZ Rewards Travel Adventures cardholders who wish to utilise this benefit must do so before 30 Nov 2020, or it will be forfeited.

The complimentary return economy domestic flight operated by Virgin Australia is available to existing cardholders after meeting a $500 minimum spend requirement within three months.

The first key thing to understand is that there is a list of routes between cities that you can redeem your Economy flight for, which thankfully is actually fairly extensive. You can use your complimentary flight in either direction between each city pair, which you can check on the ANZ interactive map here.

The available city pairs between which you can use the Virgin Australia complimentary return domestic flight are fairly extensive compared to other similar benefits from other banks, with East to West 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’ — it depends on the fare classes (specifically, the ‘T’ class) available on the specific flights you are looking at.

Next, the complimentary domestic flight is going to work best for people who can plan their trips in advance, as it must be booked at least 60 days before travel. This requirement still holds even for those looking to book the flight before the 30 November 2020 cut-off.

Finally, the account holder must be the traveller on the complimentary flight when it is redeemed, and you are technically not able to earn points, Status Credits or upgrade to Business Class.

To make your booking, phone the ANZ Rewards Centre on 1300 367 763 between Monday to Friday 8am to 8pm AEST before 30 November 2020. The terms and conditions of the free flight benefit are available to read through this link.

How to use the included Virgin Australia free lounge passes

IMPORTANT: Existing ANZ Rewards Travel Adventures cardholders who wish to utilise this benefit must request it before 30 Nov 2020, or it will be forfeited.

Just like the complimentary flight, the Virgin Australia Domestic Lounge passes become available after meeting the minimum spend requirement, and are available each year until the card is cancelled.

You can use the domestic lounge passes at any of Virgin Australia’s domestic lounges, which are in a number of locations around Australia. You must be flying on a domestic Virgin Australia flight. Note that as of 30 October 2020, all Virgin Australia lounge locations remain closed until further notice.

Each pass can be used by one person and you can use the lounge for a maximum of two hours before your flight. According to the terms and conditions, the account holder must be present when they are used and technically, you can’t gift them to someone else who is not travelling with you. (This is probably something that is not usually checked, but do so at your own risk).

You will not automatically receive the passes. Instead, you need phone the ANZ Rewards Centre on 1300 367 763 between Monday to Friday 8am to 8pm AEST (excluding public holidays) after you have met the minimum spend requirements. 

The paper passes will be mailed to you within four weeks. The terms and conditions of the lounge passes are available here.

Card eligibility criteria

These are the minimum requirements to be eligible to apply for the ANZ Rewards Travel Adventures 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
ANZ Rewards Travel Adventures Credit Card was last modified: November 18th, 2020 by Daniel Sciberras

Summing up: ANZ Rewards Travel Adventures credit card

The ANZ Rewards Travel Adventures credit card was previously a very compelling offer, with ANZ clearly trying to mix and match travel benefits and points earn to create a compelling offer.

However, the removal of the Virgin Australia complimentary return economy domestic flight and domestic lounge passes is a major blow to the card proposition. Even with the reduced annual fee, it’s hard to justify this card anymore.

At least there is still no overseas transaction fee, which is effectively a saving of 2-4% compared to other cards which impose this fee. If you spend a lot on your card outside of Australia and/or in other currencies, these savings can quickly add up — and you’ll earn full points while doing so.Our advice remains the same: compare similar cards in the market (look at American Express, Visa and Mastercard offerings) to see which ones have the best set of benefits for you compared to its annual fee.

Frequently asked questions

How do I book a flight with ANZ Rewards?

1. Choose your desired flight routing (our guide can help you here)
2. Call ANZ Rewards on 1300 367 763 at least 60 days before travel
3. Let the operator help you choose the best flight timings from the options available
4. Once confirmed, you will receive your booking via email. Don’t forget to request your two free lounge passes as well!

Keep in mind that the free domestic flight and lounge passes become available once you have spent at least $500 on eligible purchases within the first three months of each card anniversary. This benefit is not valid anymore after 1 December 2020.

How do I redeem my ANZ credit card points?

ANZ Rewards Points can be redeemed through the ANZ Rewards Store.
1. Log in or create an account at anzrewards.com
2. Choose your desired reward (e.g. Velocity Points or Gift Cards)
3. Choose the number of points or the value of the gift card (for example), then click ‘Redeem’.

How do I claim my ANZ Reward Points?

Points that you earn with the ANZ Rewards Travel Adventures Card will automatically be credited to your ANZ Rewards account, even if you haven’t actually set one up yet.

If this is your case, don’t fear. Your points are still safe. Just register with ANZ Rewards to create a username and password. Once you log in, you will have full access to your points for redemption.

What are ANZ Velocity Points?


ANZ (the financial institution) and Velocity (Virgin Australia’s frequent flyer program) are separate companies. Every two ANZ Reward points that you earn can be converted to one Velocity point, which can then be redeemed for Virgin Australia and other partner airline flights.

Disclaimer

ANZ would also like 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 and transactions for gambling or gaming purposes will not earn Reward Points.

ANZ Rewards Travel Adventures Credit Card was last modified: November 18th, 2020 by Daniel Sciberras