ANZ Rewards Travel Adventures Visa credit card

Review: ANZ Rewards Travel Adventures Visa credit card

What's Hot

  • Two Single Entry Virgin Australia domestic airport lounge passes each year until the card is cancelled
  • No foreign transaction fees
  • 40,000 bonus Velocity Points for eligible new customers

What's Not

  • Lower frequent flyer earn rates than some other cards

X-Factor

  • Complimentary domestic return flight each year until the card is cancelled

Introduction

With attention-grabbing perks such as a free domestic return flight every year with Virgin Australia plus two yearly airport lounge visits, the ANZ Rewards Travel Adventures Card provides tangible benefits that don't require any frequent flyer points.

You'll also pay no foreign transaction fees when you spend abroad or shop online with overseas-based websites, shaving 3% from your final bill and delivering cash savings of $30 in fees for every $1,000 you spend on foreign soil.

Of course, frequent flyer points are still part of the parcel and can be transferred to four different airline programs including Virgin Australia Velocity, with 40,000 bonus Velocity Points on offer when you spend $500 on eligible purchases within the first three months of approval.

ANZ Rewards Travel Adventures Card: fast facts

  • Grade/tier: Platinum
  • Card type: Visa
  • Loyalty program: ANZ Rewards
  • ANZ Rewards airline partners: Virgin Australia, Air New Zealand, Cathay Pacific, Singapore Airlines
  • ANZ reward points earned per $1: Earn 1.5 points per dollar up to $2,000 per statement period, and 0.5 points per dollar thereafter
  • 1.5 ANZ reward points = 0.75 Velocity points, $0.0075 in Airpoints credit, 0.5 Asia Miles, 0.5 KrisFlyer miles
  • 0.5 ANZ reward points = 0.25 Velocity points, $0.0025 in Airpoints credit, 0.16 Asia Miles, 0.16 KrisFlyer miles
  • Points capping: Uncapped but tiered

Fees, charges and interest: 3/5

  • Total annual fee: $225
  • Supplementary cardholder fee: $65 with rewards
  • Interest rate on purchases: 20.24% p.a.
  • Interest-free days on purchases: Up to 55
  • Interest rate on cash advances: 21.74% p.a.
  • International transaction fee: None
  • Minimum income requirement: $35,000 p.a.
  • Minimum credit limit: $6,000

Earning points for free flights: 3.5/5

With most credit cards you'll need to first earn frequent flyer points before you can take a 'free' trip, but the ANZ Rewards Travel Adventures Card breaks the mould by offering you a free economy class domestic return flight each year with Virgin Australia, until the card is cancelled.

New cardholders need only spend $500 on eligible purchases within the first three months to unlock that complimentary journey, which can be booked for almost any flight on Virgin Australia's domestic network including the longer treks between Australia's east coast and Perth.Take your seat aboard Virgin Australia with a free return economy flight each year...

But there's a catch: you'll need to book your flights at least 60 days before departure, and they don't accrue Virgin Australia Velocity points or status credits.

Further flights or upgrades to business class can also be unlocked as you earn points on your card with every $10,400 spent earning enough points for a one-way hop from Sydney to Melbourne, provided you convert your ANZ reward points across to Virgin Australia Velocity and are earning 1.5 points per dollar.

You can also earn 40,000 bonus Velocity Points when you spend $500 on eligible purchases within the first three months of approval – more than enough for a return economy flight from Sydney, Melbourne or Brisbane to Perth, or a one-way flight on those same routes in business class, plus a small payment to cover taxes and fees when making those bookings.

Free insurance coverage: 4.5/5

ANZ's free international travel insurance kicks in after spending just $250 on flights or your overseas accommodation using your ANZ Rewards Travel Adventures card before leaving Australia, and provided you also hold a return ticket prior to travel.

That gives you the flexibility to redeem your ANZ Rewards or airline frequent flyer points for the journey itself while spending at least $250 on something else, such as a hotel night or two, while still being covered.

Also thrown in: purchase security insurance, extended warranty cover, a 'best price guarantee' scheme, interstate flight inconvenience insurance and rental vehicle excess cover in Australia.

Airport lounge access: 2/5

Two complimentary visits to Virgin Australia's domestic lounges are yours after spending at least $500 on eligible purchases within the first three months – and then again each year you retain the card – which can be used when travelling onwards with Virgin Australia that day.Use a lounge pass to access Virgin Australia's Brisbane Airport lounge...

Those passes will be mailed to your billing address rather than electronically loaded onto your Velocity account, which means you're free to use them yourself or gift them to a colleague, friend or family member who doesn't have lounge access in their own right.

ANZ Rewards Travel Adventures Card: the verdict

Although some other credit cards offer more frequent flyer points per dollar spent, it's rarer to find one that includes a return flight every year as part of the package – particularly on routes such as Sydney-Perth-Sydney where the cash fare can well exceed what you're paying in annual fees.

Virgin Australia also values your two free lounge visits at $65 a pop or $130 all up, and when combined with the included travel insurance, extended warranty cover and other protections offered by these cards, this can easily pay for itself, and then some.

Plus, with 40,000 bonus Velocity Points under your belt – along with the points you’d normally earn from your everyday spends on eligible purchases – you’re sure to be flying in no time.

Also read: ANZ Rewards Black Visa credit card review

Chris Chamberlin
Australian Business Traveller journalist Chris Chamberlin lives by the motto that a journey of a thousand miles begins with a single step, a great latte, a theatre ticket and a glass of wine!
 

6 Comments

  • Kevin Hung

    supa007

    22 Dec, 2016 11:59 am

    I did call ANZ to enquire about the booking class for the return flights and was told it books into T.

    So, as far as I understand, that's the Go fares, so should earn status and points.

    Can anyone who has actually taken the flights confirm that's true.

    Kevin
    No member give thanks

  • Chris Chamberlin

    ChrisCh

    22 Dec, 2016 12:12 pm

    Hi Kevin,

    The T&Cs of the ANZ 'free flight' deal read as follows: "The complimentary flight is not eligible for Velocity Points and/or Status Credits earn."

    No member give thanks

  • Kevin Hung

    supa007

    22 Dec, 2016 12:20 pm

    Thanks for the reply Chris. Let's hope someone can chime back with good news.
    No member give thanks

  • Matt J

    MattJelonek

    22 Dec, 2016 01:53 pm

    I applied for this card two days ago. Yesterday they've announced a 40,000 Velocity introductory offer. I hope I'm eligible?
    No member give thanks

  • Chris Chamberlin

    ChrisCh

    22 Dec, 2016 03:20 pm

    Being a targeted offer that's not part of ANZ's standard sign-up, that'd be a question for you to ask of ANZ. :)

    No member give thanks

  • Matt J

    MattJelonek

    22 Dec, 2016 03:31 pm

    I only saw an advert for this offer of 40k Velocity Points...

    No member give thanks

  • sagidec

    sagidec

    22 Dec, 2016 02:10 pm

    I hope they will one day release a premium or black version of this card with Amex Lounge Syd Airport lounge access + perhaps Priority Pass Lounge.
    No member give thanks

  • Eaglekangaroo

    Eaglekangaroo

    1 Oct, 2017 11:31 am

    Chris, I noted the complimentary return domestic flight is available to each account holder. Do you interpret this to mean that if there are 2 CARDholders then there are a total of 2 complimentary flights each year (one for each cardholder)? Being one primary account holder and a second cardholder?
    No member give thanks

  • Chris Chamberlin

    ChrisCh

    1 Oct, 2017 07:12 pm

    We can't provide readers with personal financial advice: so if you have any questions regarding a financial product issued by ANZ, you'll need to contact ANZ.
    No member give thanks

  • Eaglekangaroo

    Eaglekangaroo

    1 Oct, 2017 07:23 pm

    Please re-read my original question. Thank you.
    No member give thanks

  • Chris Chamberlin

    ChrisCh

    3 Oct, 2017 10:34 am

    Hi Eaglekangaroo, we've read your question, and as we've already said, we can't provide readers with personal financial advice (such as by providing a direct interpretation of the Terms and Conditions of a financial product, beyond that which is published as news or general editorial), which is what your question seeks. For this, you'll need to contact ANZ, being the issuer of the financial product.

    (As much as we'd like to help, there are laws to follow when it comes to providing personal advice about a financial product, and we're not prepared to break those laws to answer your question.)

    No member give thanks

  • Penny

    Penny

    13 Oct, 2017 05:47 pm

    Can travellers using this card speak from experience about the ease of booking the complimentary domestic return tickets?
    In particular I'm interested to know about any blackout periods that coincide with summer, Xmas, Easter, or other public holiday periods.
    (ANZ's T&C suggest blackouts on eligible routes exist, but I'm curious to know how widespread they are, for comparison purposes with other cards' free tickets or travel vouchers)
    Thanks!
    No member give thanks

Guest

22 Nov, 2017 08:16 pm

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