anz travel card application

• Credit Cards
• Best Rewards Credit Cards
• Best Credit Card Promotions
• Best Credit Cards for Dining
• Best Credit Cards for Shopping
• Best Cashback Credit Cards
• Best Miles Credit Cards for Travel
• Best No Annual Fee Credit Cards
• Best Credit Cards for Petrol
• Best Credit Cards for Businesses/SMEs
• Best Personal Loans
• Best Home Mortgage Loans
• Best Renovation Loans
• Best Car Loans
• Best Education Loans
• Best Debt Consolidation Loans
• Best Business/SME Loans
• Best Car Insurance
• Best Travel Insurance
• Best Home Insurance
• Best Mortgage Insurance
• Best Health Insurance
• Best Endowment Insurance
• Best Critical Illness Insurance
• Best Maid Insurance
• Best Whole Life Insurance
• Best Term Life Insurance
• Best Personal Accident Insurance
• Best Motorcycle Insurance
• Best Pet Insurance

Investments

• Best Online Brokerages
• Best Robo Advisors
• Best P2P/Crowdfunding Platforms

Bank Accounts

• Best Savings Accounts
• Best Fixed Deposit Accounts
• Best Debit Cards
• Best Hotel Booking Sites
• Best Wire Transfers
• Best Electrical Retailers
• Best Travel Deals

Personal Finance Guides

We'll help you make informed decisions on everything from choosing a job to saving on your family activities.

• Average Cost of Home Renovation
• Average Cost of Monthly SP Bills
• Average Cost of Domestic Help
• Average Cost of Moving Your Home
• Average Cost of Renting a Car
• Average Cost of a Wedding
• Average Cost of a Divorce
• Average Cost of a Funeral
• Average Cost of an Engagement Ring
• Research Reports
• Evaluation Methodology
• ANZ Travel Visa Signature Card: Is It Right For You?

UPDATE: ANZ Credit Cards are no longer offered in Singapore. Check out our top picks for the best credit cards.

ANZ Travel Visa Signature Card maximizes the award for every dollar spent in Australia or New Zealand, and for every dollar you spend to go to and fro these countries. We highly recommend this card for anyone who have to frequent Australia or New Zealand from Singapore. That could include expats from those countries who are living in Singapore or simply anyone whose job requires frequent trips between the islands. Outside of these two countries, ANZ Travel card also provides a top of the market miles award of 1.4 miles per S$1 spent. However, there are other travel rewards cards available that could be more suitable for you if you spend a significant amount of time in other countries.

Pros of ANZ Travel Card

• The highest mile award rate of 2.8 miles per S$1 spent in Australia or New Zealand, or on Qantas Airways and Jetstar Airways
• 1.4 miles for S$1 spent on everything else
• 2,000 bonus air miles when you spend S$500 on your card, and 10,000 bonus miles when you pay the annual fee to renew
• Unlimited lounge access around the world

Cons of ANZ Travel Card

• Outstanding benefits are limited to Australia and New Zealand

What makes ANZ Travel Visa Signature Card stand out

To put it simply, if you travel frequently between Singapore and Australia or New Zealand, this card is the best card for you to earn your air miles. Not only do you get 2.8 air miles for every S$1 you spend in Australia and New Zealand, you also get the same 2.8 air miles for every S$1 you spend with Qantas Airways or Jetstar Airways, the two flagship airlines of Australia. As long as most of your air travel is between Singapore and Australia/Singapore, It’s almost impossible to beat this kind of air mile award. On top of this generous reward, you also get 1.4 miles for every S$1 everywhere else, which is on par with some of the best offers in the country. As with most other mile programs, every mile is transferable 1 for 1 to Asia Miles or Krisflyer Miles, with a small fee of S$25.

However, if you don’t travel to Australia or New Zealand frequently (or if you also frequent other countries), there may be better cards out there for you. For instance, Citi PremierMiles Card rewards you 2 miles for S$1 spent anywhere overseas, not just in Australia or New Zealand. While ANZ Travel card still earns you a great flat rate of 1.4 miles on your local spend, it doesn’t make sense to use ANZ Travel card over other travel cards if you go to Hong Kong or Bali more frequently than Australia.

In terms of bonus, you get 2,000 bonus air miles when you spend $S500 on your card, and 10,000 bonus air miles when you pay your annual fee to renew your card. This isn’t a lot compared to bonuses from other cards like Citi PremierMiles, but it’s still a nice gesture from ANZ to welcome you onboard. Annual fee is relatively low at S$200, and is waived for the first year. Other unique perks include 5% petrol discounts at Caltex, as well as unlimited lounge access around the world at over 100 VIP airport lounges.

ANZ Travel Visa Signature Card's Features and Benefits:

• Annual Fee: S$200, waived 1st year
• Salary requirement: 60,000 for locals, 90,000 for foreigners
• 1.4 miles for S$1 spent everywhere
• 2.8 miles for S$1 spent in Australia and New Zealand, or on flights with Qantas and Jetstar
• 10,000 air miles upon annual card renewal
• 2,000 bonus miles for the first S$500 you spend
• Transferrable to KrisFlyer Miles or AsiaMiles for a fee of S$25 (takes 21 days) 1 for 1
• Complimentary Travel accident insurance
• Unlimited Lounge access at over 100 lounges around the world
• Visa Signature Privileges
• ANZ privileges at restaurants
• 5% petrol discount and $3 off for every $50 you spend at Caltex

How ANZ Travel Visa Signature Card compares with other cards

Read our comparisons of ANZ Travel card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

ANZ Travel vs Citibank PremierMiles

Citibank PremierMiles Card is a great middle-of-the road card built for average consumers who value bonus miles. While ANZ Travel Visa Signature Card is great for people who frequent Australia or New Zealand, Citibank PremierMiles could provide better benefits for those who frequent other countries as it awards you 2 miles for S$1 spent anywhere overseas, not just in Australia or New Zealand, and 1.2 miles for S$1 on everything else. While ANZ Travel card still earns you a great flat rate of 1.4 miles on your local spend, it doesn’t make sense to use ANZ Travel card over other travel cards if you go to Hong Kong or Bali more frequently than Australia. Furthermore, CitiPremier is more generous with its bonus of 30,000 miles compared to ANZ Travel’s 2,000 bonus miles.

ANZ Travel vs DBS Altitude

DBS Altitude is another middle of the road travel card that is quite suitable for people who crave a mix of affordability and rich awards. While ANZ Travel card provides only a 1 year waiver of annual fee, DBS Altitude waives your first year’s fee and subsequently waivers annual fee if you spend at least S$25,000 a year on the card. This partially makes up for not having a rich bonus mile program like Citi PremierMiles. Another key difference, in our opinion, is that DBS Altitude Card rewards you 2 miles for S$1 spent anywhere overseas (not just in Australia or New Zealand), and 3 miles for online travel bookings (not just with Qantas or Jetstar). If you travel quite frequently to countries besides Australia and New Zealand, DBS Altitude could win way more miles for you than ANZ Travel card. Also, if you resent the idea of paying S$200 up front every year to use a card, DBS Altitude provides an easy way to enjoy benefits without fees. You should also note that essentially almost every card is running a promotion of up to 10 miles for S$1 spent on online travel bookings; and, we don’t factor this into our rankings because these promotions are expiring before the end of the year.

ANZ Travel Visa Card vs Amex KrisFlyer

If you haven’t used travel cards before, and if you don’t mind flying only with Singapore Air or Silk Air, American Express Singapore Airlines KrisFlyer Card could be a great option to introduce you to the world of air miles. Amex KrisFlyer card is very easy and convenient to use because your KrisFlyer miles are credited directly into your KrisFlyer account. This means that you don’t need to worry about paying fees associated with converting your miles like most of your typical travel cards, making your mile redemption very simple. It also has a pretty good award program of 1.1 mile for S$1 of local spend, 2 miles for spend your online travel bookings on Singapore Airlines and Silk Air.

While being limited to these two airlines may sound annoying, we don’t think you have much to be concerned since Singapore Airlines (which owns Silk Air) is the most dominant airline in Singapore with 40% market share. However, if you are willing to jump through some hoops and earn a higher rate of awards, we think other cards like ANZ Travel or Citi PremierMiles might offer better deals.

ANZ Travel vs HSBC Revolution

If you like the relative affordability of the ANZ Travel Visa Signature Card, but travel less frequently to Australia and New Zealand and want a card that rewards you for enjoying an active social and nightlife, you may be interested in the HSBC Revolution Card . The HSBC Revolution awards 2 miles for every S$1 you spend on dining, entertainment and online shopping, so we think young people especially will get great value out of this card. It also gives you discounts on petrol and hotel bookings. Not only that, but the HSBC Revolution is a great budget travel credit card for people looking to avoid paying annual fees: Its annual fee of S$160.5 is waived for the first 2 years automatically and can be waived in subsequent years with an annual expenditure of only S$12,500.

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. ^OCBC Voyage and Standard Chartered Visa Infinite cards' dollar values are calculated based on S$4,000 of monthly spending, as they are designed for high spenders.

• Best Cashback Credit Cards in Singapore
• Best Overall Cashback Credit Cards in Singapore
• Best No Annual Fee Cashback Credit Cards in Singapore

Duckju (DJ) is the founder and CEO of ValueChampion. He covers the financial services industry, consumer finance products, budgeting and investing. He previously worked at hedge funds such as Tiger Asia and Cadian Capital. He graduated from Yale University with a Bachelor of Arts degree in Economics with honors, Magna Cum Laude. His work has been featured on major international media such as CNBC, Bloomberg, CNN, the Straits Times, Today and more.

Keep up with our news and analysis.

Stay up to date.

Our Top Credit Cards

• Overall Best Credit Cards
• Best Air Miles Credit Cards
• Best Agoda Credit Card Promotions
• Best Expedia Credit Card Promotions
• Best Booking.com Credit Card Promotions
• Best Credit Cards with Klook Promo Codes
• Best Miles Cards with No Annual Fee
• Best Cashback Cards with No Annual Fee
• Best Petrol Credit Cards
• Best Cards for SPC Discounts
• Best Cards for Esso Promotions
• Best Cards for Shell Discounts
• Best Shopping Credit Cards
• Best Student Credit Cards
• Best Credit Cards for Seniors
• Best Expat Credit Cards
• Best Unlimited Cashback Credit Cards
• Best Cards for High Income
• Best Dining Credit Cards
• Best Cards for Food Delivery
• Best Credit Card 1 for 1 Buffet Promotions
• Best Grocery Credit Cards
• Best Entertainment Credit Cards
• Best Credit Cards for TransitLink SimplyGo
• Best EZ-Link Credit Cards
• Best Cards for Insurance
• Medical Credit Cards
• Wedding Credit Cards
• Best Cards for Seniors

Compare Credit Cards by Value

• Rewards Credit Cards
• Cashback Credit Cards
• Petrol Credit Cards
• Travel Credit Cards

Featured Credit Cards

• Citi Cashback Card
• HSBC Visa Platinum Credit Card
• Maybank FC Barcelona Visa Signature Card
• Citi PremierMiles Visa Card
• HSBC Revolution Card
• DBS Altitude Card

Credit Card Basics

• How to Find the Best Rewards Credit Card
• How to Use a Credit Card: Best Practices Explained
• Everything You Need to Know To Optimise Points Redemption
• Guide to the Risks of Credit Card Churning
• Everything to Know about 0% Instal Plans
• Understanding Credit Card APRs & Interest Rates
• Average Interest Rate of Credit Cards
• What Is Credit Card Cash Advance?
• Average Cost of Cash Advance
• What Is a Balance Transfer?
• Repercussions of a Late Payment on Your Credit Card
• Credit Card Minimum Payment: What You Need To Know
• Understanding Credit Cards' Minimum Spend Requirements
• A Basic Guide to Supplementary Credit Cards
• VISA vs MasterCard – Which is better?
• Everything to Know about Foreign Transaction Fees
• Cash vs Credit Cards: Which Is Better To Use When Travelling?
• Cash Back vs Points vs Miles
• Cashback Cards vs Miles Cards
• Guide to Redeeming Miles Credit Card Rewards
• Understanding Caps on Monthly Rewards Earnings
• No Annual Fee Cards vs Fee Cards
• Debit Cards vs Credit Cards
• Common Credit Card Transactions Excluded from Earning Rewards

Featured Credit Card Services

• RentHero vs CardUp
• Youtrip vs. Revolut Digital Wallets
• CardUp Review
• RentHero Review
• Revolut Standard Review
• YouTrip Debit Card Review

Related Articles

• How to Put Your Salary Increment to Good Use
• 10 Best Free-Flow Brunch Buffets in Singapore for All Budgets
• Last-Minute Christmas Shopping Hacks and Gift Ideas For The Procrastinator In All Of Us
• The Best Christmas Dining Specials for a Merry Holiday Season in Singapore (2023)
• 3 Easy Ways to Host Christmas Dinner on a Budget
• Pros and Cons of Contributing to Your Supplementary Retirement Scheme (SRS)
• Everything You Need To Know About Supplementary Retirement Scheme (SRS)
• Copyright © 2024 ValueChampion

Advertiser Disclosure: ValueChampion is a free source of information and tools for consumers. Our site may not feature every company or financial product available on the market. However, the guides and tools we create are based on objective and independent analysis so that they can help everyone make financial decisions with confidence. Some of the offers that appear on this website are from companies which ValueChampion receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). However, this does not affect our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services

We strive to have the most current information on our site, but consumers should inquire with the relevant financial institution if they have any questions, including eligibility to buy financial products. ValueChampion is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. The site does not review or include all companies or all available products.

ANZ Rewards Travel Adventures

Enjoy 40,000 bonus Reward Points, when you spend $1,000 on eligible purchases in the first 3 months from approval. New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee currently $120).

ANZ Rewards Points Forecast

Balance transfer savings, 0% purchase savings.

Total points is the estimated number of bonus points earned plus points per dollar earned during the forecast period, based on your inputs above and the promotional offer of the card. Some cards may have points capping and spend requirements, which are factored into our calculations.

It is assumed that the monthly spend is applicable for each month of the forecast period, and that it does not include any excluded or reduced earning transaction categories, e.g. cash advances, government or international purchases.

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

estimated points earned

You could save

Savings is an estimate of the amount saved on interest charges and annual fees, as a result of transferring an eligible balance to the 0% balance transfer card for the interest-free period.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as applicable balance transfer and annual fees, along with the following assumptions: • No additional purchases or withdrawals are made • A minimum 3% balance repayment is made each month • Annual fees for the current year are charged in the first month • If applicable, the annual fee refund is processed in the month eligibility is met • There are 30 days in each month • Your existing card will be closed and will incur no further fees • Other fees are excluded

Savings is an estimate of the amount saved on interest charges and annual fees during the interest-free period, as a result of making a purchase on a 0% purchase card, rather than on your existing card.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions: • The purchase amount is incurred in the first month • No additional purchases or withdrawals are made • A minimum 3% balance repayment is made each month • Annual fees for the current year are charged in the first month • If applicable, the annual fee refund is processed in the month eligibility is met • There are 30 days in each month • Your existing card will be closed and will incur no further fees • Other fees are excluded

• Eligibility

Your Top Questions Answered for the ANZ Rewards Travel Adventures

How many reward points can i earn with the anz rewards travel adventures credit card.

The ANZ Rewards Travel Adventures card has uncapped Reward Points earning potential, which means the sky’s the limit when it comes to the number of points you can earn. It also has a great Reward Points earning potential of 1.5 Reward Points per dollar up to $2,000 each statement period (then 0.5 Reward Points per dollar above $2,000).

How do I earn ANZ Reward Points with this card?

You can earn Reward Points by using your ANZ Rewards Travel Adventures credit card to pay for eligible purchases. For a definition of purchases eligible to earn Reward Points, check the terms and conditions .

What are the eligibility criteria for this credit card and the bonus offer?

To apply for this credit card , you must be 18 years of age or over and a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa.

You will also need to ensure you meet all of the eligibility criteria of the offer, which includes meeting the spend requirement within the specified timeframe. You must also ensure that you don’t currently hold or haven’t opened or closed an ANZ Rewards Classic, ANZ Rewards Platinum, ANZ Rewards Black or ANZ Rewards Travel Adventures credit card in the past 12 months.

Does this card come with any extras?

Yes! The platinum perks on offer are excellent, with Guaranteed Pricing, Extended Warranty Insurance and Purchase Protection amongst the highlights. There are also complimentary insurances when travelling, including International Travel Insurance, Interstate Flight Inconvenience Insurance, Rental Vehicle Excess in Australia Insurance and Transit Accident Insurance. Of course,  terms and conditions apply to all complimentary offerings , so make sure to review them before you apply.

What is the best way to redeem ANZ Reward Points?

You can generally get the most bang for your buck by redeeming your Reward Points for gift cards and vouchers, compared to redeeming them for merchandise in the rewards store.

Can I redeem ANZ Reward Points for frequent flyer points?

Yes! A great feature of the ANZ Rewards Program is that you can redeem your Reward Points for frequent flyer points and airmiles, including Velocity Frequent Flyer Points, Air New Zealand Airpoints Dollars, Singapore Airlines KrisFlyer miles or Asia Miles, which makes it very flexible frequent flyer points earning credit card. Note that Qantas is not a transfer partner.

How much is an ANZ Reward Point worth?

A Reward Point is worth approximately 0.45 cents (based on the redemption of a $100 digital gift card at a retailer like Woolworths, Coles, David Jones or Myer), meaning you’ll need approximately 222 Reward Points for each dollar you want to redeem.

If you want to use the Reward Points for a cashback onto you card, you’ll need 25,000 Reward Points to get $100 cashback. Compared to redeeming points for vouchers, this is a slightly less economical option, at a cost of 0.40 cents per point or 250 points per dollar.

Do ANZ Reward Points expire?

Your ANZ Reward Points do have an expiry date, so make sure to use them within 36 months of 31 December of the year in which the Reward Point was added to a Points Record. Reward Points that remain unused after they have expired will be cancelled.

Am I eligible for this offer if I’ve previously held this card or another ANZ credit card?

This offer is only available to those who don’t currently hold or haven’t opened or closed an ANZ Rewards Classic, ANZ Rewards Platinum, ANZ Rewards Black or ANZ Rewards Travel Adventures credit card in the past 12 months.

Can I use the card with Apple Pay or Google Pay?

Yes, you can use your ANZ card with the top mobile payment systems, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Can I apply for the ANZ Rewards Travel Adventures on my mobile?

Yes, you can apply for the ANZ Rewards Travel Adventures credit card securely via the ANZ website . The application is mobile-friendly and only takes 5 minutes.

• Qantas Frequent Flyer
• Velocity Frequent Flyer
• Balance Transfer
• 0% Purchase
• Low Interest
• No Annual Fee
• All Frequent Flyer
• American Express
• Bank of Melbourne
• Bank of Queensland
• Bendigo Bank
• Commonwealth Bank
• Latitude Financial
• Qantas Money
• Virgin Money

There's an ANZ credit card to suit everyone's needs

ANZ Low Rate

ANZ Low Rate Platinum

ANZ Platinum

ANZ Frequent Flyer

ANZ Frequent Flyer Platinum

ANZ Frequent Flyer Black

ANZ Rewards

ANZ Rewards Platinum

ANZ Rewards Travel Adventures

ANZ Rewards Black

• Privacy and website security
• Website terms of use

©Australia and New Zealand Banking Group Limited (ANZ) 2017 ABN 11 005 357 522.

Connect with us

Card benefits.

This site uses cookies

ANZ’s website uses cookies for a better browsing experience. Find out more on  how we use cookies and how you can manage your settings .

• Bank accounts Everyday/savings & term deposits
• Credit cards Low interest rate, rewards frequent flyer & platinum
• Home loans Buying, refinancing & investing in property
• Personal loans Debt consolidation, buying a new or used car, renovations and more
• Insurance Get on top of your home, life, income and car insurance
• Superannuation and retirement Superannuation and retirement options
• Travel & international Travel and foreign exchange
• Ways to bank Internet & mobile banking, ATMs & more
• Financial wellbeing Discover tools, tips and insights to help you get on top of your money
• Private banking Specialised banking and advice for high net worth individuals
• Intermediary deposits A service for third party advisers offering ANZ deposit products
• Security hub Helping you to bank safely and stay alert to scams and fraud

Fraud protection. Now it’s personal.

ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud. 

Visit our security hub

Falcon® is a registered trademark of Fair Isaac Corporation.

• See all Business
• Business finance Check out our flexible loans and cash flow options to seize your next business opportunity
• Business credit cards Grow your business potential with one of our business credit cards
• Business accounts Accounts and term deposits to help you manage your cash flow and earn interest
• Merchant and payments From EFTPOS machines to online payments, we have solutions to meet all your in-person payment needs
• Financially Ready Hub Access tools, tips and financial insights for small business
• Online business banking Choose from a range of online business banking options depending on your business needs
• International business Grow your business with our tailored international trade and foreign exchange solutions
• Indigenous Banking Services Tailored solutions to support Indigenous Small Business owners
• Business protection Helping your business to bank safely and stay cyber secure
• Help and support
• Business banking offers
• Institutional & Corporate
• Industries Industry advice and support across a range of key sectors
• Our expertise Our banking credentials, global reach and areas of expertise
• Solutions World-class banking solutions tailored to suit your business needs
• ANZ Insights In-depth insights and analysis from our dedicated teams
• ANZ Digital Services All your banking platforms such as Transactive - Global, Transactive Trade, FX Online and more
• Security centre Stay protected from ever-changing cybersecurity threats
• Global network We operate in close to 30 markets around the world, including more than 10 markets across Asia
• ANZ Research Global economics, industry research and forecasts
• Rates, fees, terms, taxes and disclosures Rates, fees, terms, and taxes for our products
• Contact us Contact details for Institutional and Corporate customers

  ANZ Transactive – Global

Explore more

Digital Services status

Online resources

Security device user guide

• Internet Banking
• Register for Internet Banking
• Close mobile menu Personal
• Bank accounts landing page
• Everyday accounts

ANZ Access Advantage

Anz pensioner advantage, anz access basic.

• Visa Debit Card
• Migrant banking
• Savings accounts
• ANZ Online Saver
• ANZ Progress Saver
• Kids banking
• ANZ Premium Cash Management Account
• ANZ SMSF Cash Hub Account
• Term deposits

Calculators and tools

• Compare bank accounts
• Savings booster calculator
• Budget Planner
• Savings calculator
• Term deposit calculator
• Manage my accounts
• Basics and getting started
• Interest rates, fees, terms
• Frequently Asked Questions
• Unclaimed money
• Ways to bank
• Open account landing page

ANZ  Visa Debit card

Get an ANZ Visa Debit card disclaimer with an eligible ANZ everyday account so you can use your own money to make purchases.

Features and benefits

• Apply for ANZ Access Advantage
• Pick your colour
• Eligible accounts

Want a Visa Debit card?

Secure shopping, faster checkout with your mobile

With your ANZ Visa Debit card disclaimer added to your digital wallet , you don’t need to fill out your card payment details each time you shop online or in-app disclaimer and your shipping details are often populated automatically for you too so you can check out even faster! You can tap and pay with your phone or wearable device easily and securely by reducing contact with cash, cards and PIN pads.

Cashrewards Max

Get more for your money.

Join Cashrewards for free to access cashback offers from more than 2,000 brands. disclaimer Travel, fashion, sport, tech and even takeaway. There’s something for everyone.

Learn more  

Protection for your money

We have round-the-clock card security provided by ANZ Falcon TM to help protect your card. With our ANZ Fraud Money Back Guarantee , you’ll be reimbursed for fraudulent transactions on your ANZ card provided you notify us promptly and didn't contribute to the loss.

Accessibility features

ANZ is the first Australian bank to add accessibility features to its cards for vision-impaired customers. Features include tactile indicators that help orientate and identify cards , larger font and high-visibility edges to help with inserting the card properly.

ANZ Smart ATMs

Our ANZ Smart ATMs are secure, simple to use and easy to find. You can do a range of banking, including cash and cheque deposits and money transfers.

Learn more 

Make purchases in more places

Spend in more places.

Use your ANZ Visa Debit card disclaimer to make purchases with your own money online, over the phone or overseas wherever Visa is accepted.

Paying is fast and easy

Just wave and go for purchases up to the contactless limit with  ANZ Visa payWave , or enter your PIN for purchases over the contactless limit .

Some advantages of using a debit card

Shop with your own money.

We get it - not everyone feels comfortable borrowing money to make everyday purchases. With a debit card, you shop with the money that you put in your eligible linked ANZ everyday account .

Earn cashback

Start every shop with Cashrewards and earn cashback disclaimer when you shop. Head to For You in the ANZ App to browse the latest cashback offers.

No interest

By spending your own money, you won't incur interest on your eligible linked ANZ everyday account - unless you have an overdraft. However, your eligible linked ANZ everyday account may incur monthly service and transaction fees.

You get to choose the colour of your card

Eligible ANZ everyday accounts with ANZ Visa Debit card

Everything you need from an everyday transaction account, including easy and secure banking, unlimited ANZ Transactions and ANZ Visa Debit card. disclaimer

Offers affordable and convenient banking for Concession and Health Care card holders. disclaimer

An account to help you earn interest. If you receive a Centrelink pension or a Veterans’ Affairs pension or allowance you may be eligible. disclaimer

ANZ One Offset

An offset account is a transaction account linked to an eligible home or investment loan. The money you have in this account could offset the amount you owe on that loan, and you'll only be charged the interest on the difference.

Applying for ANZ Access Advantage

Take a moment to review ANZ Access Advantage to help you decide if it's right for you.

Features and considerations

• Unlimited ANZ Transactions for a $5 monthly account service fee
• The $5 monthly account service fee will be automatically waived if you deposit at least $2,000 a month disclaimer or you can also apply for a waiver if you meet other eligibility criteria disclaimer
• You can also get the fee waived if you're a full time student or under 25 years old disclaimer
• Customers aged 12 years and above with an Australian mailing address can apply for an ANZ Access Visa Debit Card disclaimer

Things to consider

• Some transactions attract fees, like overseas transactions and bank cheques disclaimer
• Generally, ANZ won’t process a transaction that will overdraw your account. However, if your account is overdrawn, you may be charged fees and interest disclaimer
• Got a concession card or receive government benefits? Have a look at  ANZ Access Basic  and  ANZ Pensioner Advantage
• This account is for personal use only

Apply online

It takes less than 10 minutes to apply for ANZ Access Advantage online.

If you have your documents Tooltip   handy, you can get started now.

Eligibility criteria:

• Australian residents
• An Australian residential and mailing address
• 12 years or older Tooltip

Apply now  

For joint account applications, after ANZ has opened your account, you will need to visit an ANZ branch with all account holders to sign a Joint Account Authority Form. You will not be able to access your joint account until this form is signed.

Other ways to apply

Other ways to apply for anz access advantage, anz internet banking.

If you’ve registered, log in and select open a new account. Then the click on the Bank accounts tab and look for ANZ Access Advantage.

The ANZ App

Download the app from the  App Store  or  Google Play  and follow the prompts to get started. disclaimer

Call us or visit a branch

Call us on 13 33 33  Mon-Fri 8.00am to 8.00pm (AEST) or  find an ANZ branch near you.

• Shape Copy 10 Created with Sketch. Explore savings accounts

Understand more

Am i eligible for the monthly service fee waiver.

The $5 fee will be automatically waived if you deposit at least $2,000 a month disclaimer and you don’t have to keep your $2,000 in your account for the whole month.

You may also apply for a waiver of the $5 monthly account service fee*  on one nominated ANZ Access Advantage account if you

• are under 25 or aged 60 or over,
• are a full-time student at an Australian educational institution,
• receive a disability support pension or mobility allowance from Centrelink,
• have an ANZ Home Loan, an ANZ Residential Investment Loan or an ANZ Portfolio Facility disclaimer and have your salary paid into your account
• have a combined deposit balance of $50,000 in one or more of the following ANZ accounts: ANZ Access Advantage, Access Select,  Premium Cash Management ,  Online Saver ,  Progress Saver ,  ANZ term deposits ,  V2 Plus , Passbook Savings, Premier Cheque.

* Other fees and charges may apply. For details see ANZ Personal Banking Account Fees and Charges  and ANZ Personal Banking General Fees and Charges .

What is the difference between a Visa Debit and a credit card?

A Visa Debit card allows you to pay for your purchases using your own money through the Visa network, while a credit card provides you with the ability to access credit, which you then repay at a later date.

Visa Debit offers the flexibility of accessing your everyday transaction account with the added benefit of access to the worldwide Visa network. You can access your account at more than 29 million outlets around the world including online, over the phone or overseas. So now you can make purchases like flights or concert tickets online or over the phone using Visa Debit.

Who is eligible to apply for a Visa Debit card?

Customers aged 12 years or over that have an Australian mailing address are eligible to apply for a Visa Debit card disclaimer .

How do I make purchases and withdraw money with Visa Debit?

There are many ways you can access your money using your ANZ Visa Debit card, including at ATMs, at the point of purchase, over the phone, online and via mail order. 

A simple rule to remember is to select ‘Credit’ or 'Visa Debit' for all transactions, unless withdrawing cash with purchases where you select 'Savings' or 'eftpos SAV'.

How do I dispute a Visa Debit card transaction?

Please refer to Disputing a transaction .

I have another question about Visa Debit

Please click here for more answers to your questions.

You may also be interested in

My first Visa Debit card

All the basic information you need to help you get started with a Visa Debit card.

Looking for a credit card?

Choose from our range of credit cards including ANZ Rewards cards, ANZ Low Fee cards, ANZ Low Rate cards and ANZ Frequent Flyer cards. 

Earn interest and access your savings online

With  ANZ Online Saver   you can access your money via your linked ANZ everyday account. disclaimer Check out our bonus interest offer for new customers. 

Important information

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14  before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF)  and  ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments . Terms and conditions apply to the use of Apple Pay (PDF) , Google Pay (PDF) , Samsung Pay (PDF) ,  Fitbit Pay (PDF) and Garmin Pay (PDF) .

Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply .  Please visit Cashrewards for further details.

Refer to ANZ Savings & Transaction Products Terms and Conditions (PDF) for criteria. 

Monthly account service fee waiver applicable to ANZ Access Advantage accounts if you deposit $2,000 or more by the last business day of the calendar month. You must satisfy the monthly deposit requirement to be eligible for the waiver in a particular month. 

On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to  ANZ Personal Banking Account Fees and Charges (PDF) .

 Please refer to  ANZ Personal Banking Account Fees and Charges (PDF)  for fees and charges that apply.

Debit interest may apply. Please refer to  ANZ Personal Banking Account Fees and Charges (PDF) .

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Loans not eligible include ANZ Simplicity PLUS, ANZ Money Saver (no longer sold), ANZ Easy Start (no longer sold) and ANZ Interest-in-Advance Residential Investment Loans.

Eligibility criteria apply to the issue of ANZ Access Visa Debit card.

ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account.

ANZ Credit Cards

Everyone is unique, so we offer credit card options to suit different needs.

Our tool can help you decide

Explore your options, no annual fee and lower rate.

Enjoy a lower rate, no annual card fee, and up to 55 days interest free on purchases with an ANZ Low Rate Visa.

• No annual card fee.
• Our lowest purchase rate.
• Balance transfer options available.

It could save you money, especially if you don’t pay off your credit card in full every month.

Travel rewards

The credit card that rewards you with Airpoints Dollars™.

• Earn Airpoints Dollars by using your card for your everyday spending.
• No limit on the number of Airpoints Dollars you can earn.

Cash rewards

The credit cards that reward you with cash.

• Earn CashBack Points by using your credit card for your everyday spending.
• Enjoy the freedom of being able to choose how you spend your rewards.
• Earn unlimited CashBack Rewards by using your credit card for your everyday spending.

Also in this section

Using your credit card.

Find out how to manage your credit card – protecting your card, reducing fees and interest costs, what to do about suspicious transactions and more.

Balance transfers

You could save on interest by transferring what you owe from your non-ANZ credit card or store card to an ANZ card with a lower interest rate.

Overseas travel insurance

ANZ Airpoints Visa Platinum cardholders may be eligible for ANZ Premium Card Overseas Travel Insurance, provided by our partner Allianz. 

Check your ANZ Airpoints Visa Platinum card eligibility:

Understanding credit cards

Credit cards can be convenient, but it’s important to manage this debt well. It’s a good idea to think about:

• What is a credit card
• How to avoid paying interest
• Tips to pay off your credit card
• Support if you face financial stress. 

Important information

This is for information purposes only, talk to us for financial advice and see our advice statement .

Interest rates are subject to change. Lending criteria, terms, and fees apply to all ANZ credit cards. You must repay your balance in full by the due date each month to get the benefit of interest free days on purchases. Other interest rates apply to purchase and cash advances. Read more about our Rates, fees and agreements .