Credit Cards

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The $200 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 40,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. Eligible applicants lucky 88 must meet the spend criteria within 4 months of the date of approval. Eligible purchases include purchases made using your ANZ Credit Card Account but exclude specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF).

The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the ANZ Rewards – Rewards Program Terms and Conditions (PDF).

The 40,000 extra ANZ Reward Points will generally be credited to your credit card account within 3 months of you retaining the card for over 15 months from the date you activate your card. It’s important to note that this will apply to reversed overseas transactions processed to your account on or from 8 December 2025. Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only. A balance transfer could help you manage your card repayments.

More World Mastercard customers receive ten complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. Nickname your card, set a spend limit and choose an end date to manage multiple purchases, like a holiday or home renovation. Been testing a few casinos accept PayID deposits, and this one’s my top pick.

• The 90,000 bonus Qantas Points and $200 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria.
• A credit card is a credit facility which allows you to borrow money from the bank to make purchases and get cash advances.
• Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest Qantas Rewards Terms and Conditions.
• If the person you want to add as an additional cardholder isn’t already banking with us, we’ll need them to be identified at an Australia Post outlet.
• Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF).
• The credit limit is the amount you have been approved to spend on your credit card.

You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest free period is calculated. You can transfer any outstanding balance from another bank’s credit card to a Bankwest credit card.

How do I apply for a credit card?

I want to earn Qantas Pointsdisclaimer and start booking flights, hotels and travel upgrades. From 2 December 2025, new ANZ Instalment Plans will no longer be offered on eligible ANZ Credit Cards. From that date, active ANZ Instalment Plans can still be viewed and managed in the ANZ App. Discover training options to build job-ready skills, start a career, change direction or learn something new. Your card must remain open for the bonus More Rewards Points to be received. Add your virtual card to your digital wallet or copy card details to start using it straight away.

Need help choosing a credit card?

If you transfer to a different credit card account this offer will cease to apply. Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in section 5 of the Bankwest Qantas Rewards Terms and Conditions (PDF). Allow up to 5 business days for your Velocity Points to be allocated to your account.

An easy way to pay using your ANZ credit card on your compatible mobile device.disclaimer And, if you need a replacement card, digital cards are faster than the post. Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment. Whether you’re after Rewards Points or Qantas Points, or a low fee or low-rate card that simply gets the job done, compare our range to find the best credit card to suit your needs. This includes any amount shown on your card account statement as ‘amount due immediately’. Offer is not available to customers who have switched from an existing Bankwest credit card to a More World Mastercard. Offer is not available to customers who have switched from an existing Bankwest credit card to a More Platinum Mastercard.

Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible purchases include purchases made using your ANZ Credit Card Account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF).