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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.
| Card | Current offer | Min. spend | Annual fee | Earn rate | Estimated points | Benefits | Apply |
|---|---|---|---|---|---|---|---|
 ANZ Frequent Flyer Black | Earn up to 100,000 bonus Qantas Points with the ANZ Frequent Flyer Black card. Receive 50,000 Qantas Points when you spend $6,000 on eligible purchases in the first 3 months, plus an additional 50,000 Qantas Points when you keep the card over 12 months. Offer ends 31 Mar 30 | $6,000 | $425 | Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period, Additional 1 Qantas Point per $1 spent on selected Qantas products and services in Australia | 74,000 | <ul> <li>Up to 100,000 Qantas Points</li> <li>$425 p.a. annual fee</li> </ul> | Find out more & Apply |
 ANZ Business Black | ANZ is offering 200,000 extra ANZ Business Reward Points for new cardholders of the ANZ Business Black Credit Card who spend $10,000 or more on eligible purchases within 3 months from approval.¹ The card includes complimentary domestic and international travel insurance (eligibility, T&Cs, exclusions and limits apply)³ and earns uncapped ANZ Reward Points on eligible spend⁵. New card. T&Cs, eligibility criteria, fees and charges apply (including an Annual Fee, currently $300 plus a Rewards Fee, currently $75 per card per year.) Offer ends 21 Jun 35 | $10,000 | $375 | Earn 1.5 ANZ Business Reward Points per $1 on eligible purchases up to and including $10,000 per statement period and 1 ANZ Business Reward Point per $1 thereafter.⁵, Earn 0.5 uncapped ANZ Business Reward Points per $1 on ATO spend.⁵ | 36,000 | <ul> <li>Earn 200,000 extra ANZ Business Reward Points¹</li> </ul> | Find out more & Apply |
 ANZ Frequent Flyer Platinum | Earn up to 50,000 bonus Qantas Points with the ANZ Frequent Flyer Platinum card. That's 25,000 Qantas Points when you spend $3,500 on eligible purchases in the first 4 months, plus an additional 25,000 Qantas Points when you keep the card over 12 months. Offer ends 22 Apr 30 | $3,500 | $295 | Earn 0.75 Qantas Points per $1 spent on eligible purchases up to $3,000 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $3,000 per statement period | 43,000 | <ul> <li>Up to 50,000 bonus Qantas Points</li> <li>$295 p.a. annual fee</li> </ul> | Find out more & Apply |
 ANZ Qantas Business Rewards | ANZ is offering 200,000 bonus Qantas Points for new cardholders of the ANZ Qantas Business Rewards card who spend $10,000 or more on eligible purchases within 3 months from approval.¹ The card includes complimentary domestic and international travel insurance (eligibility, T&Cs, exclusions and limits apply)³ and earns uncapped Qantas Points on eligible spend⁴. New card. T&Cs, eligibility criteria, fees and charges apply (including an Annual Fee, currently $300 plus a Rewards Fee, currently $75 per card per year.) Offer ends 21 Jun 35 | $10,000 | $375 | Earn 0.75 Qantas Points per $1 on eligible purchases up to and including $15,000 per statement period (0.5 Qantas Points thereafter), and 1 additional Qantas Point per dollar spent on selected Qantas products and services.⁴, Earn 0.5 uncapped Qantas Points per $1 on Government Payments.⁴ | 18,000 | <ul> <li>200,000 bonus Qantas Points¹</li> <li>$300 p.a. annual fee plus $75 Rewards fee p.a. per card</li> <li>Earn uncapped Qantas Points on spend⁴</li> </ul> | Find out more & Apply |
 ANZ Rewards Velocity Platinum | Get up to 80,000 bonus Velocity Points + $50 back with the ANZ Rewards Platinum Credit Card. Earn 60,000 bonus Velocity Points and $50 back when you spend $3,500 on eligible purchases the first 3 months from approval, plus 20,000 bonus Velocity Points when you keep the card for over 15 months from activation. Offer ends 15 Nov 35 | $3,500 | $149 | Earn 1.5 ANZ Reward Points per $1 spent on eligible purchases up to $2,000 per statement period, then 0.5 Reward Points per $1 you spend on eligible purchases above $2,000 per statement period. Keep on your auto redemption to transfer your ANZ Reward Points to Velocity Points. 2 Rewards Points for 1 Velocity Point. | 96,000 | <ul><li>Up to 80,000 bonus Velocity Points</li><li>$149 p.a. annual fee</li></ul> | Find out more & Apply |
 ANZ First Card | As a new cardholder, get $220 back to your new ANZ First credit card when you spend $1,500 or more on eligible purchases in the first 3 months from approval. Includes complimentary shopping insurance with a low ongoing annual fee. Offer ends 14 Apr 30 | $1,500 | $30 | n.a. | 0 | <ul><li>$220 back to your new ANZ First credit card</li></ul> | Offer Currently Not Available |
 ANZ Low Rate | 0% p.a. balance transfer rate for a 26-month promotional period with 3% balance transfer fee and $0 annual fee in First Year or $400 back to your new card with a new ANZ Low Rate credit card. Plus a low-interest rate of 13.74% on ongoing purchases. Offer ends 14 Apr 30 | $0 | $58 | n.a. | 0 | <ul><li>0% p.a. balance transfer rate for a 26 month promotional period with 3% Balance Transfer Fee</li><li>or $400 back to your new card</li></ul> | Offer Currently Not Available |
 ANZ Platinum | As a new cardholder, earn $450 back with the ANZ Platinum credit card when you spend $4,500 on eligible purchases in the first 4 months from approval. Includes complimentary shopping and travel insurance. New Card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $87 thereafter) Offer ends 30 Sep 30 | $4,500 | $87 | n.a. | 0 | <ul><li>$450 back to your new card</li><li>Complimentary insurances</li><li>$0 annual fee in the first year (currently $87 thereafter)</li></ul> | Offer Currently Not Available |
 ANZ Rewards Black credit card | The ANZ Rewards Black Card is a solid choice for those looking to earn flexible rewards points on everyday spending. Cardholders can redeem ANZ Reward Points for a variety of options, including travel, gift cards and cashback, or transfer them to eligible partner programs. The card also comes with a range of complimentary insurances, adding further value. Offer ends 27 Sep 35 | $0 | $375 | Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period | 48,000 | <ul> <li>$375 p.a. annual fee</li> </ul> | Offer Currently Not Available |
 ANZ Rewards Platinum | Get up to 125,000 extra ANZ Reward Points and $50 back to your new card – 85,000 Reward Points when you spend $3,500 in the first 3 months from approval, and an additional 40,000 Reward Points when you keep your card for over 15 months from activation. You can convert your Reward Points into Velocity Points at a 2:1 ratio (current bonus offer equals 62,500 Velocity points). Enjoy international and domestic travel insurance, and earn 1.5 Reward Points per $1 on eligible purchases up to $2,000 per statement period, and 0.5 thereafter. The annual fee is $149. T&Cs, eligibility criteria, fees and charges apply. Offer ends 23 Jun 35 | $3,500 | $149 | Earn 1.5 ANZ Reward Points per $1 spent on eligible purchases up to $2,000 per statement period, then 0.5 Reward Points per $1 you spend on eligible purchases above $2,000 per statement period | 121,000 | <ul><li>Up to 125,000 extra ANZ Rewards Points (can get $500 in gift cards)</li><li>Earn flexible points on spend</li><li>$149 p.a. annual fee</li></ul> | Offer Currently Not Available |
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.
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