Introducing ANZ Rewards Black (PDF 1.8MB)

INTRODUCING
ANZ REWARDS BL ACK
EARN REWARDS FASTER
INCLUDES REWARDS PROGRAM
TERMS AND CONDITIONS
Welcome
With ANZ Rewards Black,
earn rewards faster and enjoy
exclusive travel benefits.
Earn more points
Rewards for shopping
•ANZ’s highest Reward Points
•Cashback5 onto your ANZ Rewards
earn rates with no limit on the
Black account or your ANZ
number of points you can earn
transaction, savings or offset
•10,000 Reward Points Loyalty Bonus2 account.
when you make at least $50,000
•Shopping vouchers with a wide
of qualifying purchases on your
range of stores including Myer,
account during your first year.
David Jones and Bunnings.
1
Rewards for travel
•Unlimited access to participating
airport lounges outside Australia3,
including, London, Singapore, Dubai,
Bali, Bangkok and Auckland
•Comprehensive Overseas travel and
medical insurance4
•Transfer Reward Points1 to
participating frequent flyer
programs, including Velocity (Virgin
Australia’s frequent flyer program)
• Book travel with a range of leading
airlines, for travel at any time; as well
as hotels and car hire using your
Reward Points1.
Getting started
Simply follow the easy steps below
and you could be using your new
ANZ Rewards Black today.
Quick activation
1. Sign the back of your cards when you
receive them.
2. Refer to your Welcome Letter to see if
you need to complete ANZ’s Customer
Identification Process at any ANZ branch.
3. Call 1800 652 033, 24 hours a day, 7 days
a week to activate your cards, and then
you can start using them.
Your PINs
If this is a new account, your new Personal
Identification Number (PIN) should arrive
within 5 business days. The PINs for your
ANZ Rewards Visa Black card and an ANZ
Rewards Black American Express® card will
arrive separately.
If this account is a transfer from another
ANZ card, your cards will retain their
existing PINs. If you didn’t previously have
an American Express card, you will receive
a card as a part of your account transfer.
The PIN for this new American Express
card will arrive within 5 business days.
If you wish to select new PINs, visit any
ANZ ATM in Australia with your new
card(s) and PIN mailer(s). Simply go to
the PIN change screen where you will be
prompted to enter the card’s current PIN
and then select your new PIN.
Your easy banking options
To add your new ANZ Rewards Black to
ANZ Go Money TM, ANZ Internet Banking
or ANZ Phone Banking , call us on 13 22 73
and we’ll arrange it while on the phone.
Convenience of Online Statements
You can view your statements online.
To turn off paper statements, go to ‘Profile’
> ‘Change my statement preferences’.
Learn more at anz.com/paperless
Payment made easy with
contactless technology
ANZ Visa payWave and American Express
Contactless payment technology allows
you to swiftly and securely make everyday
purchases under $100 without swiping or
entering your PIN. Simply hold your ANZ
Rewards Black Visa or American Express
credit card to the reader, wait for the
‘beep’ and you’re done. For purchases
greater than $100, you will simply by
prompted to enter your PIN.
Mobile payments
Paying for everyday purchases has never
been easier. Use your compatible iPhone®
or Android™ phone to tap and pay with
your ANZ Rewards Black Visa or American
Express credit card when you’re out and
about. It’s another way to pay.1
Find out more at anz.com/mobilepayments
Managing your ANZ Rewards
To check your Reward Points balance or
redeem your Reward Points online for
Travel, Shopping Vouchers or Cashback,
simply visit anzrewards.com, where you
can also take advantage of exclusive
online offers.
If you are a new customer visit
anzrewards.com/activate to get started.
Alternatively call our ANZ Rewards Centre
on 1300 367 763, Monday to Friday from
8am to 8pm AEST.
In addition to your monthly
ANZ Rewards Black credit card
statement, you will also receive
a Reward Points Activity Summary
every 3 months via post or via email.
1M obile payments available on compatible devices and
eligible ANZ cards. Terms and conditions apply. Find
out more at anz.com/mobilepayments.
Apple, the Apple logo, iPhone and iPad are trademarks
of Apple Inc., registered in the U.S. and other countries.
Android is a trademark of Google Inc.
Earn rewards faster
ANZ Rewards Black offers you our highest
Reward Points1 earn rates with no limit on
the number of Reward Points you can earn.
3 POINTS
PER $1
1.25 POINTS
PER $1
Earn 3 Reward Points for every
$1 spent on eligible purchases1
using your ANZ Rewards Black
American Express® card.
Earn 1.25 Reward Points for
every $1 spent on eligible
purchases1 using your ANZ
Rewards Visa Black card.
10,000 Reward Points Loyalty Bonus
You can receive a Reward Points Loyalty
Bonus when you make at least $50,000
worth of qualifying purchases on your
account during your first year2.
Earn more Reward Points with
family members1
Grow your Reward Points balance by
adding family members to your account.
All Reward Points earned by additional
cardholders are credited directly to your
account. To add an additional cardholder
complete and return the Additional
Cardholder Form available at anz.com.
Additional cardholders must be over
16 years of age. Fees apply, refer to the
ANZ Personal Banking Account Fees and
Charges booklet on anz.com.
Choose from a wide range of rewards
Travel rewards
Why not set your sights on an overseas
trip or a short city break?
Use your Reward Points or Points Plus
Pay option to book a flight with a wide
range of leading airlines for travel at any
time. No blackout periods apply.
You can also book over 35,000 hotels and
resorts worldwide, plus a huge range of
tours, cruises and car hire options.
To book online visit anzrewards.com or
call us on 1300 367 763 Monday to Friday
from 8am to 8pm AEST.
Transfer your points to participating
frequent flyer programs6
Boost your chosen frequent flyer program
balance by transferring your points to
Velocity (Virgin Australia’s frequent flyer
program), Singapore Airlines KrisFlyer,
Air New Zealand Airpoints Dollars and
Cathay Pacific Asia Miles.
To automatically transfer your Reward
Points to Velocity Points simply set up
auto-redemption at anzrewards.com
Shopping and Cashback
rewards
Cashback 5
Convert your Reward Points to cash
by choosing to directly credit your
ANZ Rewards Black account or your
ANZ transaction, savings or offset account.
Shopping vouchers
A wide range of vouchers are available
including Myer, David Jones and
Bunnings, plus many more.
To book your travel or redeem
your reward visit anzrewards.com
or call us on 1300 367 763 Monday
to Friday from 8am to 8pm AEST.
Enjoy premium travel benefits
Unlimited access to participating
airport lounges outside Australia3
Why not relax before your flight,
with a refreshment and a bite to eat?
Regardless of your airline or fare, you
and your additional cardholders will
enjoy the comfort of unlimited access to
participating airport lounges.
These are in some of the world’s top
travel destinations including, London,
Singapore, Dubai, Bali, Bangkok and
Auckland. Simply show your ANZ Rewards
Black card to enter the lounge.
Visit anz.com/rewardsblack to see
the full list of participating lounges.
Travel assistance via your
Personal Concierge7
When you’re travelling or planning
travel, let your 24 hour Personal Concierge
take care of those time consuming tasks,
saving you time so you can enjoy your trip.
Your 24 hour Personal Concierge can help:
•book restaurants
•secure tickets for theatre, concerts and
sporting events
•provide country specific information and
selected city guides
•organise a full range of business services
while you are away from home
•with lost baggage or passports and
rebooking tickets during a travel
disruption
•make bookings for hair and beauty
treatments, personal training or
sports massage
•book flights, hotels or car rental.
In an emergency, they can arrange:
•medical and dental assistance
•medical evacuation
•legal assistance
•messages to family members
or consulates.
To access your 24 hour Personal Concierge,
call 1300 580 765 if in Australia. If you are overseas,
call +61 2 8987 1677 any time from a landline and
reverse the charges via the international operator.
Overseas travel and medical insurance4
provided by QBE Insurance
Your ANZ Rewards Black account gives
qualifying cardholders Overseas travel and
medical insurance 4 for trips of up to six
continuous months at a time.
When you travel, you could be protected
for the following travel contingencies:
•Overseas medical and dental expenses
•Cancellation and additional expenses
•Loss or damage of luggage and travel
documents
•Accidental death and permanent
disability
•Loss of income and Personal Liability
•A range of pre-existing medical
conditions are automatically covered
and cover for other pre-existing medical
conditions may be available at an
additional cost.
Simply purchase your pre-booked
travel using your ANZ Rewards
Black card and meet the full
eligibility criteria below4.
Activating cover under the Overseas
Travel and Medical Insurance
Master Policy
1. Activation of cover
To activate cover under the Overseas Travel
and Medical Insurance Master Policy for your
trip you must meet the eligibility criteria.
2. Eligibility criteria
To meet the eligibility criteria you are:
(a)(i) a current participating card holder; or
(ii) the spouse or child of a
participating card holder who is on
the trip with that participating card
holder; and
(b)an Australian citizen or resident
of Australia or the holder of a visa
(including a 457) which:
(i) authorises you to live and work in
Australia; and
(ii) requires you to maintain a minimum
level of health insurance coverage
as required by the Department of
Immigration and Citizenship; and
(iii) h
as more than three months validity
beyond the scheduled return date
to Australia for any trip; and
you have spent at least 75% of your
time in Australia:
(iv)in the 12 months before you went
on your trip; or
(v)if you have been in Australia less than
12 months before going on your
trip, since you became a permanent
resident or visa holder; and
(c)eighty (80) years of age or under on
the day you activated cover; and
you have
(d)a ticket to return you to Australia; and
(e)used a participating card account before
you went on your trip to purchase at least
AUD$250* in total (inclusive of taxes and
other charges) of:
(i)transport costs (airfares and/or
cruise); and/or
(ii)land content costs (tours, hire
cars or other hired transport and
accommodation);
for you and for your spouse and child
who are on that trip with you.
* Award or loyalty points are not considered currency in
determining achievement of minimum spend.
Other travel insurances
Your ANZ Rewards Black account also
offers you a range of insurances for
protection when travelling within
Australia, including Rental Excess Cover4
and Transport Accident Cover4.
For more information refer to the
Premium Cards – insurances booklet Part 1 QBE Product Disclosure Statement
and policy wordings which is included in
your welcome kit and can be obtained
at anz.com
Additional privileges
ANZ Rewards Black, together with Visa
and American Express, have compiled
an exceptional array of entertainment
and lifestyle offers and opportunities
for you to enjoy.
VisaEntertainment
A world of entertainment with
Visa Entertainment
Experience another side to your Visa
card with Visa Entertainment. Access
concert, theatre and sporting event
pre‑sales, special movie offers and
member competitions exclusive to Visa
cardholders. Register now for free at
visaentertainment.com.au or like us at
facebook.com/VisaEntertainmentAustralia
ANZ may earn a commission on Visa Entertainment.
Enjoy life’s luxuries with entré™
by American Express
Your ANZ Rewards Black American
Express card is your key to access
premium travel privileges and lifestyle
benefits from American Express. Login
to www.entre.com/ANZRewardsBlack for
access to:
Luxury Hotel Program – enjoy 4pm late
check outs, room upgrades on availability
and special privileges at over 1,000 luxury
hotels worldwide.
Car Rental – get the best available rate,
complimentary upgrades and priority
service where available from our leading
global car rental partners.
Global Events – VIP access to a yearly
calendar of global iconic sporting and
entertainment events including meet and
greets with sporting heroes and celebrities.
Global Dining Program – receive discounts
or complimentary courses when you dine at
any one of our participating restaurants in
some of the world’s most exciting cities.
Discover more with TripAdvisor™
Take travel planning to the next level
by connecting your ANZ Rewards Black
American Express card to TripAdvisor™.
Read trusted card holder reviews,
search lists of hotspots trending with
card holders around the world and
save offers to your Card that will entitle
you to a credit on your account when
you spend. Connect your Card at:
Americanexpress.com.au/TripAdvisor
Connect to more with AmexConnect
Receive handpicked offers from
American Express retail and lifestyle
partners delivered to your inbox weekly
and the convenience of saving offers
to your Card. To register, simply visit
amexconnect.com.au/ANZ
Card protection
When you shop using ANZ Rewards
Black, you shop with greater peace of
mind. Whether you buy online or in
store, your purchases are covered by
our comprehensive range of purchase
safeguards.
90 day Purchase Security Insurance9
For most personal items you buy using
either of your ANZ Rewards Black cards
you will receive automatic cover against
loss, theft or damage for 90 days from the
date of purchase.
ANZ Fraud Money Back Guarantee
Feel at ease knowing you won’t be liable
for fraudulent transactions made on your
ANZ Rewards Black, as long as you notify
us promptly and did not contribute to
the loss.
Extended Warranty on purchases9
For your major personal and household
purchases, we’ll automatically extend
the manufacturer’s original Australian
warranty by up to 12 months, for no
extra cost. This automatically covers
most purchases made with either of
your ANZ Rewards Black cards.
Best Price Guarantee Scheme9
Your ANZ Rewards Black guarantees
you the best price on personal goods
purchased in Australia. If you make a
purchase on either of your ANZ Rewards
Black cards and then find the same
product advertised in a printed catalogue
at a cheaper price within 21 days, you can
simply claim back the difference.
24/7 ANZ Falcon™ Protection
ANZ Falcon™ is an advanced, around-theclock security system that monitors your
card for suspicious transactions, including
when you shop online, over the phone
and overseas.
Remember, if you notice an unusual
transaction on your account or believe
that your card security has been
compromised in any way, contact us
straight away on 13 22 73.
ANZ’s approach to fees for
ANZ consumer credit cards
At ANZ, we want to make your banking
simpler. To ensure your everyday banking
is simple and fair, we are committed to
helping you understand and avoid fees
that may apply such as Overlimit or Late
Payment Fees.
As part of our commitment, we will give
ANZ consumer credit card customers:
•options on how you could stay within
your limit or exceed it, subject to certain
conditions
•information on how you can avoid fees.
ANZ consumer credit card customers who
are recipients of Government benefits and
hold an ANZ Access Basic account will not
incur Overlimit or Late Payment Fees.
For more information, visit anz.com or call
us on 13 22 73.
Customer Charter
ANZ’s commitment to you
ANZ is committed to providing you with
convenient banking that is simple to
understand and delivered in a responsible
manner by our people, in accordance with
the highest standards of integrity.
ANZ’s Customer Charter sets out the
specific service standards you should
expect us to meet. It reflects both the
products and services that we currently
offer and the higher standards towards
which we aspire.
Our external auditors will review our
performance against these standards
every year and we will report the results
to you. In this way, we hope to earn your
faith in us as Australia’s most respected
retail bank.
If you would like to read our Customer
Charter in full, please visit anz.com or call
13 22 73 for a copy.
Important information you need to know
Reward Points
1. Reward Points accrue in accordance with the ANZ
Rewards – Rewards Program terms and conditions
(enclosed at the back of this brochure). Purchases
which are not eligible to earn Rewards Points are
described in the ANZ Rewards - Rewards Program
Terms and Conditions booklet, for example fees,
cash, cash equivalent transactions, balance transfers,
premiums paid for ANZ Credit Card Insurance and
transactions for gambling or gaming purposes will
not earn Reward Points.
Loyalty Bonus
2. L oyalty Bonus is awarded in accordance with
the ANZ Rewards – Rewards Program terms and
conditions booklet (enclosed at the back of this
brochure). To receive the Loyalty Bonus, you must
make qualifying purchases valued at $50,000
or more using your ANZ Rewards Black account
during the first year you hold your account. The
year commences on the day after your first Fee
Date and ends on your second Fee Date. Your Fee
Date is the date that your account is assessed for
charging an annual account fee (please call 13 13
14 to confirm your Fee Date). Qualifying purchases
for the purposes of calculating your eligibility for
a Loyalty Bonus exclude Balance Transfers, cash
advances, interest, fees, stamp duty, government
charges and transactions reversed or refunded. Only
one Loyalty Bonus may be earned per account. Any
Loyalty Bonus earned will be automatically credited
to your ANZ Rewards points balance within 90 days
however ANZ accepts no liability for any delay.
Unlimited access to participating airport lounges
outside Australia
3. C
omplimentary access to participating airport
lounges is available to eligible ANZ Rewards Black
cardholders. Participating airport lounges are
subject to change. To gain complimentary access,
eligible cardholders must present their credit card
and a current flight boarding pass in the same name
at the participating lounge. For terms & conditions
refer to the Complimentary Airport Lounge Access
Program Terms & Conditions (enclosed at the back
of this brochure). For a full list of participating airport
lounges visit anz.com/rewardsblack
Overseas travel and medical insurance, Transport
accident cover, and Rental excess cover.
4. The Overseas travel and medical insurance master
policy, the Transport accident cover master policy
and Rental excess cover master policy (the Master
Policies) are issued by QBE Insurance Australia Limited
ABN 78 003 191 035 AFSL 239545 to ANZ. Cover under
the Master Policies is provided to eligible participating
cardholders by operation of section 48 of the
Insurance Contracts Act 1984 (Cth). The eligibility criteria
which you must meet for each of the Master Policies
is set out in the Premium Cards – insurances booklet
– Part 1 QBE Product Disclosure Statement and policy
wordings. When overseas, we recommend that you
carry proof that you have met the eligibility criteria.
Any advice has been prepared without taking into
account your objectives, financial situation or needs.
You must decide whether or not it is appropriate, in
light of your own circumstances, to act on this advice.
You should ensure you obtain and consider the PDS
which can be obtained at anz.com or by calling
13 13 14 before you make any decision to acquire it.
Cashback
5. W
hen you redeem your Reward Points for an
ANZ Cashback, credit of a nominated value will be
allocated to your ANZ Rewards Black account or your
ANZ transaction, savings or offset account within
5 business days.
Fly with your own frequent flyer program
6. T erms and Conditions apply. An Account Holder
must be a member of the applicable frequent flyer
program to redeem Reward Points for frequent flyer
points. Redemption thresholds apply. Frequent
traveller details must be entered online at time of
redemption in order to transfer points to the frequent
flyer program. See anzrewards.com for details.
Personal Concierge
7. Terms & conditions apply to this service. Exclusions
apply. Before travelling and/or electing to use this
service, we strongly advise that you read the ANZ
Emergency Travel Service & Personal Concierge
Terms and Conditions. For a copy of these Terms
and Conditions, visit anz.com or call 13 22 73.
Extended Warranty, 90-day Purchase Security
Insurance and Best Price Guarantee Scheme
8. E xtended Warranty Insurance, 90-day Purchase
Security Insurance, Best Price Guarantee Scheme
and Interstate Flight Inconvenience are part of a
group policy issued by QBE Insurance (Australia)
Limited ABN 78 003 191 035 to ANZ. Access to
the benefit of cover is provided to eligible ANZ
cardholders by operation of s48 of the Insurance
Contracts Act 1984 (Cth). Terms, conditions and
exclusions apply. For more information refer to the
Premium Cards - insurances booklet – Part 2 which
can be obtained at anz.com or by calling 13 13 14.
ANZ Falcon is a trademark of Australia and New
Zealand Banking Group Limited (ANZ)
ABN 11 005 357 522. Falcon™ is a trademark of Fair
Isaac Corporation.
American Express is a registered trademark of
American Express. This card is issued by Australia
and New Zealand Banking Group Limited pursuant
to a license from American Express.
Complimentary Airport Lounge Access Program Terms and Conditions
1.The Complimentary Airport Lounge Program
(Program) is provided to Australia and
New Zealand Banking Group Limited (ANZ)
by Veloce Lounges.
2.ANZ provides ANZ Rewards Black cardholders
(including additional cardholders) with access to
the Program on the terms set out below. These
terms and conditions will apply to any cardholder’s
participation in the Program.
3.To participate in the Program, you must hold a
valid ANZ Rewards Black credit card which has not
expired, been closed or been notified to ANZ as
having been lost or stolen (Eligible Card).
4.If you hold an Eligible Card, you are entitled to
receive unlimited complimentary access to all
airport lounges listed on anz.com/rewardsblack
(Participating Lounge).
5.If you are an Eligible Card holder, to gain
complimentary access to a Participating Lounge
you must present:
a. your Eligible Card; and
b. a current and valid flight boarding pass in the
same name as the Eligible Card, at the entrance
to the Participating Lounge.
6.Participating Lounge operators reserve the right
to refuse complimentary entry to the Participating
Lounge if the credit card presented has expired, is
not in the same name as the flight boarding pass
provided or if the Participating Lounge operator
has any other reasonable grounds to believe that
you are not the Eligible Card holder.
7.Each Participating Lounge is owned and operated
by a third party and sets its own rules and policies.
The Eligible Card holder and any accompanying
guests must obey the Participating Lounge’s
rules and policies. Participating Lounge operators
reserve the right to deny entry to a Participating
Lounge or remove any person from a Participating
Lounge if they fail to obey any applicable rules and
policies, or are unruly, uncooperative or cause a
disturbance to other guests.
8.Guests of the Eligible Cardholder may be admitted
to a Participating Lounge at the operator’s
discretion, however may be charged
a fee for entry.
9.Participating Lounges may be added or
removed at any time. You should always check
anz.com/rewardsblack for a current list.
10.We may change or amend these terms and
conditions at any time. You will be notified in
writing or by an update to anz.com of changes to
terms and conditions at least 30 days before that
change takes effect.
11.E xcept as provided in any law which cannot
lawfully be excluded or modified by agreement,
ANZ makes no warranties or representations either
express or implied and expressly disclaims any and
all liabilities (including for consequential damages)
with respect to type, quality, standard or fitness or
suitability for any purpose of the services offered
by any Participating Lounge, and is not liable for
any inability to access a Participating Lounge or any
of the services typically offered by a Participating
Lounge, or removal from a Participating Lounge,
caused by circumstances beyond ANZ’s control
including strikes, industrial disputes, acts of God
or the rules, policies or operational decisions of
Participating Lounge operators.
12.If any Eligible Card holder breaches the ANZ
Credit Cards Conditions of Use or these terms and
conditions, ANZ may suspend or exclude that
Eligible Card holder from participating in
the Program.
ANZ Rewards – Rewards Program Terms and Conditions
When these terms and conditions apply
1.If you are a new account holder, these terms
and conditions will apply when we advise you
that your application to join the program has
been successful and you have activated your
card account.
Earning Reward Points
2.Reward Points are used to determine when you
become entitled to a reward and can only accrue
to account holders. Reward Points do not accrue
to additional cardholders and all Reward Points
earned as a result of spend by an additional
cardholder will accrue to the account holder’s
points record.
3.Reward Points accrue daily based on the use of
the relevant card or card account and will be visible
on your card account up to 5 business days after a
transaction has been processed by ANZ.
4.The number of Reward Points you could earn
per dollar spent may vary according to the type
of Card you have (including whether the Card is
your ANZ Rewards American Express Card or your
ANZ Rewards Visa Card). ANZ will advise you in
writing of the number of Reward Points you could
earn per dollar spent at the time of opening your
card account and at any time where the number
of Reward Points you could earn per dollar spent
decreases. If at any time the number of Reward
Points you could earn per dollar spent increases,
ANZ is not required to provide advice of this in
writing. Call 13 22 73 for the number of Reward
Points you currently earn per dollar spent. Reward
Points earned are subject to the exclusions set out
in clauses 5, 7, 8 and 9.
5.For ANZ Rewards Visa PAYCARD accounts, Reward
Points and Bonus Reward Points will only be
earned on purchases using the 16 digit card/
account number. Points and Bonus Points will not
be earned when the nine digit account number
listed on the reverse of the PAYCARD is used to
process the transaction.
6.If you hold a participating card, you may earn
Bonus Reward Points by using your participating
card or participating card account to purchase
qualifying goods and services from a Bonus
Partner, subject to the limitations in clauses 5, 7
and 8. The number of Bonus Reward Points you will
receive from a Bonus Partner will be specified on
anzrewards.com. You will not earn Bonus Reward
Points for any purchase of goods and services using
a black card or adventures card.
7.You will not earn Rewards Points on interest
charges; premiums paid for ANZ Credit Card
Insurance; government charges; bank fees;
payments made to the Australian Taxation Office
or other taxation payments or duties; card account
adjustments resulting from disputed transactions
or otherwise; balance transfers or cash advances
(as defined in the ANZ Credit Cards Conditions of
Use) or transactions which are identified to ANZ by
the relevant merchant or any intermediary financial
institution as falling into one of these categories.
8.You will not earn Reward Points if your card
account is suspended or if you breach or any
additional cardholder breaches these terms and
conditions or the ANZ Credit Cards Conditions
of Use.
9.When you or an additional cardholder obtain a
refund, a reimbursement for charges previously
incurred (for example for returned merchandise)
or a chargeback is made to your card account, this
will cause Reward Points to be debited from your
card account. Reward Points will be deducted
from your card account. The number of Reward
Points deducted from your card account will
be calculated by reference to the rate at which
you were earning Rewards Points at the time the
reimbursement was processed by ANZ.
Reward Points are not property
10.Reward Points may not be transferred or sold.
11.Reward Points are not property, have no monetary
value, are not convertible and can only be used to
claim rewards. There will be no refunds for Reward
Points that are not used to claim a reward.
Points expiry
12.Reward Points must be used to claim a reward
within 36 months of 31 December of the year in
which the Reward Point were added to a points
record. Reward Points that remain unused after that
period will be cancelled.
13.In the event your card account is closed, any Reward
Points that remain unused must be used within
60 days of the date of closure. Reward Points that
remain unused after that period will be cancelled.
14.In the event the Program is terminated, we will
notify you of termination and any claim for a
reward must be made within 90 days of the date
of termination.
15.We may also cancel Reward Points at our sole
discretion if you die, if your card account is
suspended, if you breach or any additional
cardholder breaches these terms and conditions
or the ANZ Credit Cards Conditions of Use or if we
reasonably suspect you are operating your card
account fraudulently.
Rewards statement
16.You will receive a rewards statement quarterly if
there has been activity on your points record in
the prior quarter or you have Reward Points due
to expire in the current quarter. ANZ may vary the
frequency and format of the rewards statement
without notice. If you successfully register to receive
rewards eStatements, paper rewards statements will
not be sent to you for your ANZ Rewards account. If
you de-register from receiving rewards eStatements
ANZ will recommence sending quarterly paper
rewards statements.
17.Reward Points used to claim a reward will be
deducted from your points record at the time
we receive your request to claim a reward.
The adjustment will be reflected in your next
rewards statement.
Rewards
18.Rewards and the number of Reward Points
required to claim a reward are set out on
anzrewards.com
19.Special terms and conditions may apply to
individual rewards and they will be advised to you
on anzrewards.com or by notice from ANZ.
Claiming rewards
20.Only the account holder may claim rewards.
Additional cardholders are not entitled to
claim rewards.
21.Your entitlement to claim rewards is based on
the points record in relation to your card account.
If your card account is in arrears, suspension or
default, no rewards will be claimable.
22.You may use the option of `Points Plus Pay’ to
redeem selected rewards. This means that you
use Reward Points and also pay a monetary
amount by debiting your card. Your Rewards
Guide and anzrewards.com will outline rewards
for which you can use this option. Alternatively,
call the ANZ Rewards Centre on 1300 367 763 for
more information.
23.The procedure for claiming rewards is set out in
the Introducing ANZ Rewards, ANZ Rewards Travel
Adventures Marketing booklet and Introducing
ANZ Rewards Black guides. All rewards are subject
to availability and substitutions may be necessary.
24.Before seeking to claim a reward, you should
review the rewards on anzrewards.com.
25.Rewards cannot be taken by pooling of Reward
Points by persons with different card accounts.
26.Unless we advise otherwise, rewards cannot be
returned for Reward Points to a points record,
cashed in or exchanged. Rewards also cannot be
replaced if lost, stolen or otherwise destroyed.
27.Unless we advise in writing otherwise, rewards will
not be delivered to an address outside Australia.
Changes to rewards and these terms and conditions
28.We may change the Rewards Guide at any time.
If any change affects Reward Points already
accumulated you will be notified at least 30 days
before that change takes effect.
29.Bonus Partners also have the right to make changes
at any time without notice to the goods or services
which are qualifying goods or services and the
number of Bonus Reward Points that you will receive
as a result of acquiring those goods or services.
Bonus Partners may change without notice.
30.We may at any time and in our discretion without
notice withdraw, limit, modify, cancel or increase the
continued availability of any reward or the number of
Reward Points required to claim a particular reward.
31.We may change or amend these terms and
conditions at any time. You will be notified in
writing of changes to terms and conditions at least
30 days before that change takes effect.
What we are not liable for
32.Except as provided in any law which cannot lawfully
be excluded or modified by agreement we:
• make no warranties or representations either
express or implied and expressly disclaim any and
all liabilities (including for consequential damages)
with respect to type, quality, standard or fitness or
suitability for any purpose of the rewards;
• are not responsible for the loss, theft or
destruction of rewards;
• do not accept any liability with respect to any loss
arising from the supply of a reward;
• are not liable for any delay or inability to provide
any rewards caused by circumstances beyond our
control including strikes, industrial disputes or acts
of God.
33.In the event that we are liable for breach of any
term implied by law, we limit that liability where we
are entitled to so do to:
ANZ Rewards – Rewards Program Terms and Conditions (continued)
• r eplacement or repair of the reward or payment of
the cost of replacing or repairing the reward; and
• supplying the services again or payment of the
cost of having the services supplied again.
Disputes
34.All questions or disputes regarding eligibility for
rewards or the eligibility of Reward Points for
accrual or reward will be resolved by us at our
sole discretion. All enquiries regarding rewards
statements must be made within 90 days of the
date of the statement. Otherwise, any questions or
disputes must be brought to our attention within
12 months of the incident first giving rise to the
question or dispute.
35.All questions or disputes must be submitted in
writing to the Rewards Centre and, where relevant,
be accompanied by a legible copy of the relevant
sales receipt or card account statements.
36.If you are not satisfied with our response to
your question or dispute, you may access our
complaints handling procedure, which is set out in
the ANZ Credit Cards Conditions of Use.
Bonus Partner terms and conditions
42.Only goods and services purchased in Australia
at Bonus Partners using participating cards are
eligible for Bonus Reward Points.
43.Where a Bonus Partner arranges, organises or
books a good or service provided by another
Bonus Partner, and you only transact with the first
Bonus Partner, Bonus Reward Points will only be
earned in respect of your transactions with the first
mentioned Bonus Partner.
Accommodation
44. Bonus Reward Points are not earned on franchised
and external services booked through a hotel and
charged to the card.
ANZ Rewards Diners Club Card
45.ANZ Rewards Diners Club Card
(a) In this clause: Account, Additional Card, Main
Cardholder and Eligible Transaction have the
meaning given to them in the ANZ Rewards
Diners Club Card Terms and Conditions.
(b) T he Main Cardholder will earn one Reward Point
for every dollar spent on Eligible Transactions
made using the ANZ Rewards Diners Club Card,
Additional Card or Account. There is no limit
to the number of Reward Points that can be
earned and allocated for Eligible Transactions.
(c) Any Reward Points earned by use of the ANZ
Rewards Diners Club Card, Additional Card
or Account will only be allocated to the Main
Cardholder’s points record on the condition
that at the time of the allocation the Main
Cardholder is not in default or in arrears under
the ANZ Rewards Diners Club Card Terms and
Conditions. If the Main Cardholder only partially
satisfies the payment obligations of those terms
and conditions, Diners Club may choose not
to allocate Reward Points until those payment
obligations are satisfied in full.
(d) Your points record will be adjusted to
reflect refunds or reimbursements or other
circumstances that result in a “payment reversal”
being issued to the Account (for example,
because of a dishonoured cheque or direct
debit reversal).
(e) Reward Points will only be credited to a points
record under this clause if the Main Cardholder
also holds a ANZ Rewards account (or such
other card account as advised by ANZ) when
the Reward Points are earned and credited.
General
37.If you breach or any additional cardholder breaches
the ANZ Credit Cards Conditions of Use or these
terms and conditions, we may suspend or exclude
you from participating in the Program.
38.Any tax liability, stamp or other duty or other
government charge or reporting requirement
in connection with or on any benefit derived by
you from the use of a card by you or an additional
cardholder or receipt of a reward is your sole
responsibility.
39.Bonus Partners other than ANZ are not responsible
for the management, operation or administration
of the Program.
40.You may request further details about the Program
by calling 1300 367 763.
41.The Australian Securities and Investments
Commission has granted us relief from certain
provisions of the Corporations Act 2001 relating
to managed investments and non-cash payment
facilities. The relief granted means that the Program
is not required to be registered as a managed
investment scheme or treated as a non-cash
payment facility and the licensing, financial services
disclosure and product disclosure provisions do not
apply to the Program.
Promotional offers
46.You will earn Promotional Reward Points subject to
meeting eligibility criteria for limited offers made
by ANZ to account holders.
Loyalty bonus
47. (a) S ubject to this clause 47, if you hold a black
card account you will receive a loyalty bonus if
the accumulated qualifying purchases charged
to your black card account by you, or by any
additional black cardholder authorised by you,
reach the spend target during your first year.
(b) F or the purposes of this clause 47, qualifying
purchases include everyday purchases charged
to a black card account by the black card account
holder or by any additional cardholder authorised
by the black card account holder, but exclude
balance transfers, cash advances (as defined in
the ANZ Credit Cards Conditions of Use), cash
equivalent transactions, any interest charges
debited to the credit card account (including
interest charged on previously charged interest),
stamp duty and other government charges, ANZ
Fees and account adjustments resulting from
disputed or reversed transactions or refunds.
(c) ANZ reserves the right to withhold any loyalty
bonus earned if the black card account is in
arrears, suspension or default at the time your
eligibility for the loyalty bonus is assessed, or
if the black card account is, or is reasonably
suspected by ANZ to be, operated fraudulently.
(d) No loyalty bonus will be paid if ANZ or the
black card account holder closes the black
card account before the end of the first year,
regardless of whether the spend target was met
prior to the account’s closure.
(e) Any loyalty bonus earned will be credited to
your points record within 90 days of the end
of the first year. ANZ accepts no liability for any
delay in the loyalty bonus being credited to
your points record.
(f) F or the purposes of calculating whether the
spend target has been reached, qualifying
purchases cannot be aggregated across separate
accounts or combined with qualifying purchases
carried out on a card held by the accountholder
prior to the black card.
(g) A
black card account holder may receive no more
than one loyalty bonus in respect of a single black
card account, regardless of how many times they
reach the spend target during the first year.
Definitions for ANZ Rewards – Rewards Program
Terms and Conditions
‘account holder’ or ‘you’ means the person in whose
name a card account is kept and who is responsible for
all transactions on the card account.
‘additional cardholder’ means a person to whom a
card is issued, at the request of the account holder and
who is authorised to transact on the card account.
‘adventures card’ means an ANZ Rewards Travel
Adventures American Express, ANZ Rewards Visa Travel
Adventures or any other card as may be notified to
account holders as being an adventures card for the
purposes of these terms and conditions.
‘ANZ’ means Australia and New Zealand Banking
Group Limited.
‘black card’ means an ANZ Rewards Black American
Express, ANZ Rewards Visa Black, or any other card as
may be notified to account holders as being a black
card for the purposes of these terms and conditions.
‘Bonus Partner’ means any person who agrees
to provide Bonus Reward Points in respect of the
purchase of qualifying goods and services using a
participating card.
‘Bonus Reward Points’ means the additional Reward
Points that are earned for spend on qualifying goods
and services at Bonus Partners, in addition to the
standard Reward Points earned for spend on the card
in accordance with these terms and conditions.
‘card’ means a classic card, platinum card, black card,
ANZ Rewards Visa PAYCARD or any other card as may
be notified to the account holder as being a card for
the purposes of these terms and conditions.
‘classic card’ means an ANZ Rewards American
Express, ANZ Reward Visa, ANZ Rewards Visa PAYCARD
or any other card as may be notified to account
holders as being a classic card for the purposes of
these terms and conditions.
‘first year’ means the calendar year commencing on
the day after your black card account is assessed for
charging the first annual account fee and ending on
the day that your black card account is assessed for
charging the second annual account fee.
‘loyalty bonus’ means a number of additional Rewards
Points (as specified on anz.com or as advised in any
other written communication from ANZ) that a black
card account holder will receive at the end of the first
year if the spend target is met during the first year.
ANZ Rewards – Rewards Program Terms and Conditions (continued)
‘participating card’ means a classic card, platinum
card (other than an adventures card), ANZ Rewards
Visa PAYCARD or any other card as may be notified to
the account holder as being a ‘participating card’ for
the purposes of these terms and conditions, but does
not include a black card or an adventures card.
‘platinum card’ means an ANZ Rewards Platinum
American Express, ANZ Rewards Visa Platinum, ANZ
Rewards Travel Adventures American Express, ANZ
Rewards Visa Travel Adventures or any other card
as may be notified to account holders as being a
platinum card for the purposes of these terms and
conditions.
‘points record’ means a record in relation to a card
account for the purpose of determining when you
become entitled to a claim a reward.
‘Program’ means the ANZ Rewards – Rewards Program.
‘Promotional Reward Points’ means the additional
Reward Points earned from limited promotional offers
made by ANZ from time to time in accordance with
these terms and conditions.
‘reward’ means a reward, gift, bonus, good or
service or other benefit obtained by you through the
accumulation of Reward Points through use of the
card or a card account.
‘Reward Centre’ means the centre maintained
by ANZ and/or its agents and contractors, to
administer aspects of the card relating to rewards,
points records, the Rewards Guide, these terms and
conditions, newsletters, the rewards database and
rewards statements.
‘Rewards Guide’ means the current catalogue
published from time to time of a selection of rewards
that may be claimed by account holders in accordance
with these terms and conditions. All reward options
are available on anzrewards.com
‘Reward Points’ means points added to or subtracted
from a points record in accordance with these terms
and conditions.
‘rewards statement’ means the summary of Reward
Points in the account holder’s points record, including
the number of Reward Points accrued.
‘spend target’ means the accumulated dollar value
of all qualifying purchases (as specified on anz.com or
any other written communication from ANZ) charged
to a single black card account during the first year in
order to qualify for the loyalty bonus.
‘we’, ‘us’ or ‘our’ means ANZ Rewards No 2 Pty
Limited and Australia and New Zealand Banking
Group Limited.
ANZ Rewards No 2 Pty Limited (ABN 41 082 713 915)
Australia and New Zealand Banking Group Limited
(ABN 11 005 357 522).
We welcome your feedback
We’d like to hear your thoughts and
feedback on ANZ. Please send a letter
to the Customer Response Centre via:
Locked Bag 4050
South Melbourne
VIC 3205
[email protected]
1800 269 030
Making a suggestion
Your feedback helps us create a better
bank for our customers, staff, shareholders
and the community. If you have a
suggestion about how we can improve
our services, please let us know.
Paying a compliment
Should you have received exceptional
service from one of our staff or found
something you particularly liked, please
tell us about it.
Making a complaint
If we make a mistake, or our service
doesn’t meet your expectations, we
want to know. For the fastest possible
resolution of your complaint call us on
1800 805 154, or talk to staff at your local
ANZ branch or business centre.
Most often we’ll be able to solve the
problem on the spot. If it can’t be resolved
promptly, our specialist complaints team –
Customer Response Centre – will take
responsibility and work with you to fix the
matter quickly. Our aim is to resolve your
complaint within 48 hours and within a
maximum of five business days.
If this is not possible, we will keep you
informed of our progress and how long
we expect it will take to resolve your
complaint. Whether you’re making a
suggestion, paying a compliment or
making a complaint, your feedback
is the key to improving our products
and services.
ANZ Customer Advocate
If your complaint isn’t resolved to your
satisfaction, you can ask to have it
reviewed by ANZ’s Customer Advocate
who will provide a free, independent
review of more difficult complaints to help
achieve a prompt solution.
Contact details
ANZ Customer Advocate
833 Collins Street Docklands VIC 3008
+61 3 8654 1000
[email protected]
Financial services dispute
resolution schemes
If you are not satisfied with the steps
taken by ANZ to resolve your complaint,
or with the result of our investigation,
you may wish to contact an alternative
financial services dispute resolution
scheme.
General banking products –
credit cards, home loans,
deposit products
Financial Ombudsman Service
GPO Box 3 Melbourne VIC 3001
1300 780 808
+61 3 9613 6399
www.fos.org.au
ASIC information on complaints
The Australian Securities and Investments
Commission’s (ASIC) website
www.asic.gov.au contains information
on making complaints about companies
and people and describes the types of
complaints handled by ASIC. To obtain
further information contact the ASIC
Info Line:
1300 300 630
[email protected]
Your ANZ Rewards Black contacts
Customer Service Centre
13 22 73
Call our Customer Service Centre
for any enquiries regarding your
ANZ Rewards Black.
Rewards Centre
1300 367 763
Lost and Stolen Cards
1800 033 844
Call the ANZ Lost and Stolen Cards
Assistance Centre if your credit card has
been lost or stolen, or if you think your
card may have been used fraudulently.
If your card is lost and stolen we can
arrange an emergency cash advance
of up to US $5,000. From overseas call
+61 3 9683 7043 (reverse charges).
Call our ANZ Rewards Centre to check
your points balance or redeem your
rewards points, Monday to Friday from
8am to 8pm AEST.
International Calls
Personal Concierge
If you are overseas, call the international
operator and ask to be connected to this
number with reversed charges*.
1300 580 765
Call your 24 -hour Personal Concierge for
general travel assistance, travel-related
emergency assistance. From overseas call
+61 2 8987 1677 (reverse charges).
+61 3 9683 9999
Emergency Credit
1800 076 113
If you find you need a credit card limit
increase in an emergency, call us to
apply for an increase over the phone.
You have up to 90 days to repay the
additional funds.
*Calls can be made via an international operator to reverse
charges. Calls must be made from a land line to reverse charges.
Australia and New Zealand Banking Group Limited ABN 11 005 357 522. Australian Credit Licence Number 234527.
Item No. 89637 06.2016 W535523
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