Everything from merchandise to free flights can be obtained easily by simply using the card for everyday purchases and then turning the points earned into rewards.

ANZ Rewards Platinum card

When you are approved for an ANZ Platinum rewards card you will receive two cards instead of only one. This is a strategic offering since you can collect more points on the American Express card then the Visa card you receive. Both of these cards are linked to one account so that managing two cards is as easy as managing one.

The American Express Platinum card will give you three rewards points for every dollar you spend, while the Visa Platinum card will only give you 1.5 rewards points for every dollar spent. The best approach is to use your American Express card where ever it it is accepted and use the Visa everywhere else. This will give you more points, which will get you faster rewards.

You can get bonus points by shopping with bonus partners as well. If you plan to do your shopping with these partners you will see your points add up faster than ever since you will receive extra points for every purchase you make.

Rewards

You can start accumulating redeemable points for gifts and merchandise, accommodation and travel, Frequent Flyer points, entertainment, gift cards and shopping vouchers.

If you want to redeem your points for a holiday, you can travel with just about any airline and any flight, and book any seat that is available to almost anywhere worldwide.

You can also fly any time you want.You will be given free overseas medical and travel insurance as well when you book your flight using your ANZ Rewards Platinum card.

With hundreds of rewards to choose from, you’ll have a great time browsing through the ANZ rewards website to find something you want. If you’re looking for merchandise, you’ll have your choice of appliances, toys, items for your home office, health and fitness equipment etc.

If you want travel rewards you can get a free flight, free car rental, free hotel accommodations or you can even choose a travel gift card for later use.

ANZ Rewards Platinum card features

If you’re looking for a new Platinum card you need to check out the following features you’ll receive on this card.

• Three reward points for every dollar spent with the ANZ Rewards American Express Platinum card.
• 1.5 reward points for every dollar spent with the ANZ Rewards Platinum Visa card.
• 19.74% interest rate for purchases.
• 20.99% interest rate for cash advances.
• Minimum income required is $50,000 annually.
• $149 account fee.
• $6000 credit limit is set as a minimum.
• Extended warranties for up to 12 months once the manufacturer’s warranty has expired.
• Insurance for breakage, loss or theft for personal items that have been purchased with the ANZ Rewards Platinum card.
• Travel and medical overseas insurance.
• Ability to purchase traveler’s checks without paying a commission when they are purchased at an Australian ANZ branch.
• Access to products for home entertainment, merchandise packages and special event promotions with Visa entertainment.
• Enjoy exclusive offers from American Express Selects.

You are also able to add nine cardholders to your new account and will be given access to the ANZ wine club, eDine and Secure Sentinel by being a Platinum member.

Concierge services

You can call up the concierge service any time you need a hand with just about anything. Whether you need help booking a vacation, sending some flowers to a loved one or just need a recommendation about a purchase, personal assistants are available to help you out. Life can be busy so this service is provided for Platinum ANZ rewards cardholders for their convenience.

Insurance

As an ANZ Rewards Platinum cardholder you will receive complimentary insurance for many of your purchases and travel. You will be given security insurance for your purchases that offers cover for loss, accidental damage or theft. This coverage lasts for 90 days beginning from the day of purchase.

You are also guaranteed the best price for your purchases. Almost any personal item that you have bought in Australia qualifies for this coverage. If you find the item that you purchased advertised in a catalog that has been printed within 21 days, at a lower price, you can make a claim for the difference in the amount. This ensures that you always get the best price for almost all of your purchases.

If you are traveling you will be provided with accident cover for transportation accidents. If you are injured or die while being a passenger on a train, ferry, licensed plane or tourist bus you are entitled to a settlement. You can also enjoy coverage for return holidays that last 14 days or less within Australia. You’ll be covered against stolen or lost luggage, trip cancellations and flight delays.

How to apply

The easiest way to apply for an ANZ Rewards Platinum credit card is online. All you need to do is gather up the following data and then start filling out the application form.

• The name and contact number of your accountant if you are self-employed.
• Income, assets and liabilities details.
• Your drivers license if you have one.
• Your account number with ANZ if you are presently one of their customers.
• Your employer’s address as it is listed in the phonebook.

Once you have been approved for the ANZ Rewards Platinum credit card you’ll never look back. All of the features and benefits on this card will save you so much time and money that you’ll wonder why you didn’t apply sooner.

Luxury and distinction are part of this card since it offers exclusive benefits such as a concierge service and access to premium services that you can’t get without being a cardholder.

If you are looking for a Platinum card with all the right features the ANZ Platinum card really delivers. It is loaded with all the benefits you would expect to find in a Platinum credit card.

Benefits of the ANZ Platinum card

An Anz Platinum credit card gives you total piece of mind with added coverage that you won’t find on basic cards. Here are some of the outstanding benefits this card has to offer.

Car hire cover

Whenever you rent a car in Australia from a major rental company you will receive automatic coverage free of charge. If you experience a covered accident while driving a rental car in Australia, ANZ rental cover will pay a maximum of $2050 and your excess will be reduced to $350. Without this extended coverage you would normally have to pay about $20-$30 for every day the car is rented.

Transport accident coverage

If you are involved in an accident as a passenger of a ferry, train, tourist bus or licensed plane you will be covered for injury or death as long as you have purchased your ticket with your ANZ Platinum card. Payment will be up to $750,000 for an accidental death and an amount of $375,000 maximum for an injury.

You will also be covered for flight delays, trip cancellations and stolen or lost luggage if you have used your ANZ Platinum card to purchase the fare for your return flight within Australia.

90 day insurance on purchases

This coverage includes protection against theft, loss or damage that is accidental on many personal items purchased with this card. You will be covered for an entire 90 days from the purchase date. As well, you will be given a guarantee that if you ever find a better price on an item that you have purchased, within 21 days in a printed catalog, you are able to claim the difference spent. Your purchases are protected incredibly well with this Platinum credit card.

Travel features

As a Platinum cardholder you will be given special travel benefits that are exclusive and will save you money. One of the best travel features you will find on this card is the insurance. Travel and medical insurance is provided free of charge for overseas travel. You will be covered for liability, loss of income, accidental disability or death, amendment and cancellation costs and for any damage or loss of your travel documents or luggage. Your overseas dental, medical and many other additional expenses will be covered when you travel. You also have the option of purchasing cover for medical conditions that are pre-existing before heading out for your travels.

Pay in installments

Sometimes it can be difficult to make a full payment on a holiday in advance and that’s when the ANZ Platinum card comes in handy. You are given the option to make your payments for your travel-related products in installments that last either 6, 12 or 18 months. This gives you more flexibility to get on the holiday that you really want and deserve.

You must purchase at least $500 worth of travel products to be eligible for this installment plan. This $500 must have been spent in one transaction as well. You will be given a discounted rate of interest for paying back the balance owing so that you can really plan a great holiday. The interest rate will only be 9.99% p.a. for the indicated months.

You can also take the option of paying only 9.99% p.a. for the same products for 6 months, starting from the day the items were transferred to this plan. Simply purchase the items and then call ANZ to request that these purchases be switched over to the payment option.

Other travel features

Use your own concierge service to help you book your holidays. If you are looking for information about flights, recommendations for areas to visit or need a hand with any other arrangements you can use a personal assistant. This works great for people that are too busy to give their holiday booking the time it deserves and want to be sure that they are planning the best trip possible.

You can also rest assured that in the event that your card is ever stolen or lost while you are away it will be replaced quickly and effectively. Peace of mind is important when you’re away and the ANZ Platinum credit card delivers that important feature.

Annual fee

ANZ Platinum cardholders can enjoy the exclusive benefit of not paying the initial annual fee since it is waived. Not only that, if you spend a minimum of $20,000 in purchases that are eligible using your Platinum card a year before the fee date, you will not have to pay the next annual fee either.

This is an incredible savings that you can use to put towards your next holiday or something else that you have been meaning to purchase.

Features and benefits of the ANZ Platinum card

Here is an overview of the benefits and features you will find on this prestigious Platinum card.

• Access to a personal assistant for travel through your concierge service.
• No extra charge for car-rental coverage.
• Payment options can be arranged, which are flexible.
• The initial annual fee is waived, and the second may be waived as well.
• You can add another nine cardholders to your Platinum account without any added cost.
• You will be given access to merchandise packages, special events packages and products for home entertainment through Visa entertainment.
• Purchase rate is 19.24%.
• Cash advance rate is 20.99%.
• The minimum credit limit has been set at $6000.
• You are given up to 55 days of interest free shopping for purchases.
• Access to the ANZ Wine Club, eDine and Secure Sentinel.
• Access to privileges with Visa Platinum.

Applying for the card

It will only take 15 minutes of your time to fill out the application in its entirety as long as you have the following information by your side.

• Your ANZ account number if you are an existing customer.
• Details of any liabilities and assets and your income.
• The name and number for your accountant if you are self-employed.
• Your driver’s license, issued in Australia, if you have one.
• The address of your employer.

It is a fast processor to fill out the application form online and help is available if you need it. Assemble the information first so that you don’t have to leave the form because it will timeout after 15 minutes if it is unattended and you will need to to start over again.

There are a lot of reasons why you should apply for the ANZ Platinum card, but the best reason is you can make this card work for you. If you’re looking for a luxurious card that is flexible and convenient you have found it in this prestigious Platinum card.

Which is the best looking credit card? If you think it’s a particular gold or platinum card, you may be wrong! ANZ has recently introduced “design my card” which allows cardholders to design an image that will appear on their card. This allows each cardholder to enjoy a personalized credit card. To own the best looking credit card, you simply need to have an ANZ credit card and a photo or design that you really enjoy.

The ANZ credit cards that offer this “design my card” feature include:

• ANZ Low Rate MasterCard
• Balance Visa cards
• First Visa cards

Guidelines for images

Cardholders can choose from a range of images in the ANZ image library, or they can upload an image of their own if they want to.

The guidelines are a little strict about the kind of image you can use on your credit card. The guidelines do not allow the use of the following kinds of images:

• trademarks, slogans, company names, logos or copyrighted material
• branded products or advertising or promotional materials
• pictures of celebrities, politicians and other well-known public figures
• PIN numbers or personal details such as addresses and phone numbers
• sexually explicit material such as nudity or semi-nudity
• violent or other offensive material

Images should be 480 x 480 pixels in order to be reproduced well on the card. Of course, other sized pictures and images can also be used, but they may not look as good on the card. The image needs to be in JPEG, Bitmap, GIF or TIFF format.

You do not need to be an ANZ customer to apply for an ANZ credit card or to use their design my card feature.

Changing your card image

Cardholders can change the image on their credit card as often as they wish. Uploading the first image is free of charge, but each subsequent change of image will cost $15. This includes adding images to the cards of additional cardholders.

If ANZ does reject any of the images you select, they will simply send you an email stating that the image has been rejected along with instructions for uploading a new image. There is no charge for images that are rejected.

Cardholders need to upload an acceptable image within five working days of their initial application, or else the default ANZ card design will appear on the card.

Thanks to ANZ’s innovative design idea, you can now enjoy owning the best looking credit card in Australia!

Any frequent traveller should carry a ANZ Gold credit card so that their travels overseas can be stress free. This card offers one of the best insurance policies for travel when compared to any other Australian gold credit card since cardholders will have access to build in comprehensive overseas medical and travel insurance.

It is nice to know that you are fully covered any time you are travelling overseas, and it is even nicer to know that this card will supply it for you every time you travel, as long as you have booked your arrangements using your card. Cardholders will no longer have to look for special insurance packages elsewhere, which gives them more time to plan the excitement of the holiday without worrying about the boring logistics of insurance.

This ANZ Gold credit card not only acts as a personal travel companion, but it can also be used as a business card as well. Up to nine additional cardholders can be added to the card, which makes it great for small business owners that want to give their employees a card to use for their spending. The low annual fee of $87 does not go up no matter how many cardholders are added. This means that any expenditures that employees make can be kept track of on one account. This is especially helpful when tax time rolls around.

ANZ Gold credit card features

• Overseas Medical and travel insurance.
• Enjoy up to 55 days of interest-free purchases.
• Up to nine additional cardholders can be added for no extra charge.
• Annual fee a low , with no extra charge for additional cardholders.
• Purchase rate of .
• Cash advance rate of .
• Extended warranty available.
• Anyone can apply, even people that are not ANZ members.
• Access provided for exclusive merchandise, home entertainment products and special events with Visa Entertainment.

Travelling abroad? Get the ANZ Gold credit card for total peace of mind and a stress-free holiday that you can truly enjoy. Have employees? Use this card to keep track of vital accounting statistics. This is a versatile card that is suitable for many uses, which includes both business and personal.

This ANZ Frequent Flyer Platinum card is a great companion for anyone that travels and wants the luxury of their own personal concierge. Booking travel overseas, medical insurance and services gives new a hassle-free holiday with total peace of mind.

The ANZ Frequent Flyer Platinum offers a online guarantee for fraud protection that cannot be matched by any other card. Assuming that the cardholder and did not in any way contribute to be unauthorized transactions, they will not be held responsible for any fraudulent purchases made on the card. The loss must be reported to ANZ within a reasonable amount of time. ANZ Frequent Flyer Platinum features

Here are just some of the great features you will find on this ANZ Frequent Flyer Platinum that is specifically designed for travellers that want the perks and benefits of a Platinum card.

• One statement and one bill, and both cards share one credit limit.
• Worry free travel and convenience knowing that this card is accepted by millions of merchants across the world.
• On purchasers, receive up to 55 days of credit interest free.
• Purchase rate is p.a.
• Cash advance rate is p.a.
• new applicants will pay a annual fee.
• $12,000 credit limit.
• Around the world emergency card replacement.
• Around the clock security monitoring by ANZZ. falcon.
• Overseas medical and travel insurance.
• Worldwide Access to ATM cash advances during your travels.
• Up to nine additional cardholders can be added which can contribute to your points.
• Extended warranty covers.
• Purchase security insurance for personal items for up to 90 days. Your protection will include accidental damage, the theft and loss.
• Easy card management that can be done with phone or online banking.

With all of these features, the ANZ Frequent Flyer Platinum has never looked better. Platinum cards are perfect for anyone that has a high income, great credit, and want to be rewarded for having achieved this status. Arm yourself today with the best card for your future.

The ANZ First Visa credit card should be your first card of choice if you are looking for one with no annual fee for the first year. This gives you a great head start to owning a card, and this fee can be reduced to $26 for the following year if it is linked up to an ANZ access account.

Balance transfers can be done on the ANZ First Visa credit card for a low . Anyone that has excessive credit card debt on a card with high interest rates should take advantage of the low transfer rate offered with this card.

• Balance transfer rate of .
• purchase rate.
• p.a. cash advance rate.
• Up to 44 interest free days on purchases.
• Minimum $1000 credit limit.
• $0 for the first year, annual fee after.
• Suspicious transactions are monitored with 24/7 Falcon.

It does not take long to receive this card in the mail once an application has been submitted, and most applicants can expect to receive their new card within five days of business.

The ANZ First Visa credit card is a top-of-the-line card that gets you off to a great start with no annual fee for the first year. Applying is easy, and can be done online in just a few short minutes. Approval is usually done in a matter of minutes, and you will be told your status right away. There is no longer any need to wait for the post to find out if your application has been approved or not.

Whether you are in the market for a new ANZ First Visa credit card, or are an existing cardholder, ANZ will treat you fairly and give you any help you need. You deserve to have the best credit card, so make an application today.

This card gives cardholders the chance to earn frequent flyer points with Qantas, and depending on the circumstances, be able to swap credit cards. A perfect setup has been established for two cards with one account, enabling the owner of the card to get more value for their money.

Earning Qantas Frequent Flyer points can’t get any easier than this. Only one application needs to be filled out, and two cards will be given to boost the points faster. Both cards are linked to one account, one credit limit and one bill. There are also many features available on the ANZ Frequent Flyer Gold card, so that it is easier to take advantage of the many offers.

ANZ Frequent Flyer Gold card features

• $5000 minimum credit limit.
• Uncapped Frequent Flyer points with Qantas.
• For every dollar spent, cardholders can earn 1.25 Frequent Flyer Points for Qantas with the Frequent Flyer Gold American Express card from ANZ.
• For every two dollars spent, earn one Frequent Flyer Point for Qantas with the Frequent Flyer Gold Visa card offered by ANZ.
• Two cards with one statement, one bill and one account.
• On purchases, get up to 55 days of credit interest free.
• Purchase rate of p.a.
• Cash advance rate of p.a.
• annual fee for new applicants.

This ANZ Frequent Flyer Gold card can be replaced in an emergency worldwide, and you can rest assured that while you are using it during your travels, it is being monitored using ANZ Falcon 24 hours a day. There is also no worry about fraudulent purchases since this card offers an online guarantee for unauthorised purchases. There is the ability to add three extra cardholders, which adds to the points, and with this many rewards and safety features built-in, it is a card above all other Gold cards.

The ANZ Frequent Flyer Gold card is a must-have for any traveller that uses Qantas Airlines on a regular basis. Why pay full fare when you can start earning points towards your next holiday? With the ANZ Gold card for Frequent Flyers, it is just a matter of doing your everyday shopping with your card and watching the points roll in.

The ANZ Rewards Gold credit card allows cardholders to earn points that they can use to receive products, vouchers and a variety of general rewards. You deserve to be rewarded for spending money on your credit card, and you also deserve to make some choices when it comes to redeeming your points.

When you start making purchases on the ANZ Rewards Gold credit card, you will quickly see how fast they add up. Everybody has to do personal spending on a daily or weekly basis, so why not use a credit card and make these dollars go to work for you in the form of points earned? There are other rewards points cards available, but most others are not flexible with their points redemption, and the customer may or may not even want the redeemable products.

ANZ Rewards Gold credit card features

• $57 low annual fee.
• On purchases, receive up to 55 days of credit interest free.
• For every $1.50 that is spent on a purchase, one reward point is given. A generous limit of $100,000 per year, per card, is given out for earning these points.
• Holiday rewards from ANZ gives cardholders their own travel agent they can use over the phone for bookings.
• Traveler’s checks are commission free.
• Opportunity to purchase security insurance.
• This card is great for people that regularly purchase from the bonus partners on the ANZ list. Also, anyone that is a member of the Frequent Flyer program for Air New Zealand, Singapore

Airlines or Qantas can make good use of this card if they are able to keep their monthly balance under good control and pay more than the minimum payment monthly.

Redeeming points is simple with the ANZ Rewards Gold credit card, since you are given options in your rewards, which is just the way you would like it to be.

ANZ Rewards prides itself on being a flexible program that benefits customers like no other rewards program out there. Cardholders have the choice of redeeming their points for shopping vouchers, cash back or they can choose from more than 500 other choices. It is possible to get you what you want from a rewards program when it is flexible and designed for the customer.

Other rewards programs lock you into travel programs or cash back, which can seem a little dull, especially if you’re putting off your travels or would like to redeem your points for items instead of cash. The ANZ Rewards card gives anybody enough choices so that they can truly get all the benefits from the card.

Anytime the card is used to purchase items with Bonus Partners, more points can be accumulated since these Partners often add extra points to sweeten the transaction. Some Australians watch for the best deals and really make their points count when they make their simple everyday purchases at retail stores, and on the Internet.

Interest free days on purchases is a benefit that makes this card outstanding. If a cardholder can pay off their debt every month, they will find themselves in a position where they are borrowing money to buy an item, without an interest charge. It is much the same as taking out a small no interest loan every month. No bank would ever offer such a deal, but it is yours for the taking with this credit card.

ANZ Rewards features

• Up to 44 days of interest-free purchases.
• Earn rewards points wherever Visa is accepted as a form of payment at over 24 million worldwide locations.
• purchase rate.
• cash advance rate.
• The opportunity to earn more points by shopping at Bonus Partners or by taking advantage of special rewards offers.

The very best ongoing interest rate you could be enjoying right now on your credit card would be around the 10% mark. Switching your debt to an ANZ Balance Visa would therefore allow you to cut your rate by 7%. More probably, though, you will have an interest rate of closer to 15%, which would mean a saving of 12% on your debt. Over the course of a year, that could equate to hundreds of dollars saved on interest charges. The regular purchase interest rate on the ANZ Balance Visa is a respectable p.a.

The ANZ Balance Visa is also unique in the Australian credit card market for its rewards program. Credit card providers make most of their money from the interest that is paid by customers on any unpaid balance carried over from one month to the next. Therefore, although credit card providers take the responsible approach and always advise that you pay off your debts in full, they don’t really want you to. You can’t knock them for it; it’s simple business.

With the ANZ Balance Visa credit card, ANZ bucks the trend by actually giving the customer an incentive to pay down their balance each month. For every dollar paid off your ANZ Balance Visa card, you earn one point, and there are no restrictions imposed. It doesn’t matter whether you are paying off regular credit card spending, interest charges, balance transfers, card fees, or even cash transactions such as ATM withdrawals; if you pay a dollar off, you earn one point.

These points are ultimately redeemable for shopping vouchers, gift cards, or the popular choice of cashback paid to your account in $20, $50 or $100 denominations. The more you pay back the more cashback is due, and this will further help to reduce your balance, so you’re winning two ways with the ANZ Balance Visa rewards program. Plus, you can decide how you want to redeem your reward points, either via an auto-redemption or a manual option, and your points never expire so long as your account remains open.

Key features of the ANZ Balance Visa

• Balance transfer of
• Earn 1 Reward Point for every $1 you repay on your balance
• Redeem your points for cashback, shopping vouchers and gift cards from some of Australia’s leading retailers
• Impressive purchases interest rate of p.a.
• 55 days interest-free on purchases
• Annual fee of

If you think on balance transfers and a ground-breaking rewards program would suit your style, then what are you waiting for?