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 $225 annual fee compared to other cards on the market.
Digging into the details of the ANZ Rewards Travel Adventures credit card
|Card||ANZ Rewards Travel Adventures Card|
|Loyalty program||ANZ Rewards—linked to 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||Complimentary return economy domestic flight operated by Virgin Australia and two Virgin Australia domestic lounge passes each year until the card is cancelled|
|Included Insurance||International 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 fee||None|
|Cash advance rate||20.24%|
|Interest Free days||Up to 55 days|
|Annual fee||$225 p.a.|
We have a full guide to ANZ Rewards but, in a nutshell, points can be transferred out to 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 $ spent on eligible purchases.
These points earn rates are not exceptional compared to other cards on the market, like the ANZ Rewards Black but earning points is not a focus for this card; instead, there is a balance being struck between points earn alongside travel-specific benefits, which we’ll get into next.
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 2-4% on other cards can quickly rack up.
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 denominated transaction, whether that is on spend for when you are 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 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 return economy domestic Virgin Australia flight
The complimentary return economy domestic flight operated by Virgin Australia is available each year until the card is cancelled, and becomes available 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 class/es 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.
There is another set of restrictions to know about too—the account holder must be the traveller on the complimentary flight when it is redeemed, and you will not earn points or Status Credits or able to 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 (excluding public holidays).
The terms and conditions of the free flight benefit are available here.
Two Single Entry Virgin Australia Domestic Lounge passes each year you hold the card
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.
Each pass can be used by one person and you can use the lounge for a maximum of two hours before your flight but you need to remember that according to the terms and conditions, the account holder must be present when they are used—technically, you cannot gift them to someone else who is not travelling with you.
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 a $500 minimum spend requirement within three months and the passes will be mailed to you—paper, not digital, passes—within four weeks.
The terms and conditions of the lounge passes are available here.
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
It’s hard to say generally if they are worth the $225 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.
Earn bonus ANZ Rewards points at the ANZ Bonus Points Mall as a cardholder
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 Apple Pay, Google Pay support
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.
- 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
Frequently asked questions
How do I book a flight with ANZ Rewards?
- Choose your desired flight routing (our guide can help you here)
- Call ANZ Rewards on 1300 367 763 at least 60 days before travel
- Let the operator help you choose the best flight timings from the options available
- 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.
How do I redeem my ANZ credit card points?
ANZ Rewards Points can be redeemed through the ANZ Rewards Store.
- Log in or create an account at anzrewards.com
- Choose your desired reward (e.g. Velocity Points or Gift Cards)
- 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 (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.
Summing up: ANZ Rewards Travel Adventures credit card
With the ANZ Rewards Travel Adventures credit card, ANZ have clearly tried to mix and match travel benefits and points earn to create a compelling offer.
The complimentary return economy domestic flight is a very 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 Single-Entry Virgin Australia Domestic Lounge passes, a number of cards now offer this benefit, and if you have no other way to access the lounges, then they are really useful.
My personal favourite benefit is the lack of overseas transaction fee, as this is essentially an uncapped saving of 2-4% 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.
The ANZ Rewards Travel Adventures credit card could quickly become a go-to card in your wallet when you are travelling thanks to the lack of overseas transaction fees.
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.