INTRODUCING ANZ REWARDS
INCLUDES REWARDS PROGRAM
TERMS AND CONDITIONS
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Convenient Quick Start Guide
Get started now. Simply follow the easy steps below and you could be using your new ANZ Rewards 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. To activate your card/s visit anz.com, log on to ANZ
Internet Banking and select ‘Profile’ > ‘Activate an ANZ card’ or call 1800 652 033 to activate.
Discover more convenient banking
1. et up ANZ goMoney™, ANZ Internet Banking and
S
ANZ Phone Banking by calling 13 13 14.
2. 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 card and an ANZ Rewards American Express® card will arrive separately. If this account is a transfer from another ANZ card, you will retain your existing PINs for both your Visa and American Express cards. 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 ANZ Rewards Contacts
Visit anz.com/creditcards for information regarding your credit card.
Customer Service Centre
13 13 14
ANZ Rewards Centre
1300 367 763
Lost and Stolen Cards (24 hours a day).
1
800 033 844
Overseas Contact Number
+61 3 8699 6955*
*Calls can be made via an international operator from a land line to reverse charges.
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Welcome
We’re delighted you have chosen ANZ Rewards, the credit card account that gives you access to a great range of easy to achieve rewards.
At ANZ we’re doing whatever it takes to provide you with a credit card account that delivers great features.
Get rewards the easy way with ANZ Rewards.
To make things easier, we’ve included the ‘Convenient
Quick Start Guide’ above, in order to get you started and discover more convenient banking today. It’s a useful guide, especially if you only have time for a quick glance at the brochure right now.
When you do have a moment to read through this brochure, you’ll be pleasantly surprised at the additional benefits that come with having an
ANZ Rewards account. You’ll also find important information you need to know about using and managing your new card.
Enjoy your new ANZ Rewards.
For more information visit anz.com/creditcards
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Advantages of ANZ Rewards
Earn rewards sooner
More points. Two cards. One account.
Don’t pay unnecessary Annual Fees for multiple credit cards. With ANZ Rewards, enjoy the benefits of having an ANZ Rewards American Express card and an ANZ Rewards Visa card rolled into one simple credit card account.
One account statement, one credit limit and one Total Annual Fee.
You could maximise your Reward Points earning when using your ANZ Rewards American Express® card, and continue seeing your Reward Points grow with the convenience of 36 million locations worldwide when using your ANZ Rewards Visa card.
Earn Reward Points
ANZ Rewards
Earn 1.5 Reward Points for every $1 spent on eligible purchases* using your
ANZ Rewards American Express card
Earn 0.75 Reward Point for every $1 spent on eligible purchases* using your ANZ Rewards Visa card
ANZ Rewards Platinum
Earn 2 Reward Points for every $1 spent on eligible purchases* using your ANZ Rewards Platinum American
Express card
Earn 1 Reward Point for every $1 spent on eligible purchases* using your ANZ
Rewards Visa Platinum card
*
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.
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You can earn Reward Points* when you use your ANZ
Rewards credit cards to make everyday purchases. It’s easy to maximise your Reward Points earning so you could be rewarded faster.
Additional cards
You can nominate family members or friends as additional cardholders. It’s a simple way to build up your Reward Points balance. An Additional Cardholder
Fee and Rewards Program Services Fee applies for each additional cardholder. Additional cardholders must be over 16 years of age.
Rewards designed for you
Your ANZ Rewards provides you with a range of rewards to redeem using your Reward Points, including: • gifts, accessories and items for around the home
• latest in-home entertainment and electronics, the including digital cameras, DVDs and more
• shopping rewards, including Gift Cards and vouchers from a range of leading retailers
•
ANZ Holiday Rewards®, a flexible over-the-phone and online travel service that opens up a world of travel options
• frequent flyer points – members of the Velocity, Air
New Zealand Airpoints, Cathay Pacific Asia Miles or
Singapore Airlines Kris Flyer frequent flyer programs can redeem Reward Points for frequent flyer points in those programs**
• entertainment vouchers to amusement parks and cinemas
• ANZ Cashback# and ANZ Visa Gift Cards.
® Registered to Australia and New Zealand Banking Group Limited. ANZ Holiday
Rewards is provided by Pinpoint Travel Group Pty Ltd. Lic No 2TA002974.
* 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. #
When you redeem your Reward Points for an ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards account within 5 business days.
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Choose how often you would like to be rewarded
Redeem your Reward Points at your convenience once they have accumulated. Visit anzrewards.com or call the ANZ Rewards Centre on 1300 367 763, Monday to
Friday from 9am to 5pm Australian local time.
Alternatively, select from the following range of
Auto-Redemption options.
Auto-Redemption Options
1. Annual Auto-Redemption^
Choose a date when you wish to redeem your Reward
Points every year for select rewards. It could be just before your birthday, so you can buy yourself a treat.
Or perhaps you would prefer to redeem your Reward
Points just before Christmas to help with your
Christmas shopping. The date you choose for the annual redemption option is up to you.
2. Periodic Auto-Redemption^
Redeem your Reward Points every 3, 6 or 12 months for select rewards. That way you could enjoy a reward on a regular basis.
3. Reward Value Auto-Redemption^
Arrange to automatically receive select rewards when you have accumulated sufficient Reward Points. For example, you could choose to receive a $100 Gift Card as soon as you have enough Reward Points to redeem that reward.
To set up your Auto-Redemption option:
• visit anzrewards.com, select Redeem for Rewards and choose the Auto-Redemption option on select rewards; or
• the ANZ Rewards Centre on 1300 367 763, call Monday to Friday from 9am to 5pm Australian local time.
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To finalise your Auto-Redemption, you will be required to provide a valid mobile number or email address. Once Auto-Redemption Reward Points have been redeemed, you’ll receive a notification via SMS or email and you should receive the reward within
28 days.
Go online to check your Reward Points
You can check your Reward Points by visiting anzrewards.com and registering to view your Reward
Points online, or alternatively call the ANZ Rewards
Centre on 1300 367 763, Monday to Friday from 9am to 5pm Australian local time.
Your Reward Points balance will be displayed on your quarterly rewards statement or Rewards eStatement.
To register for Rewards eStatements please visit anzrewards.com ^ uto-Redemption is only available on select rewards on Reward Points only
A
redemptions. It can take up to 28 days for your reward to be sent to you once you qualify for the Auto-Redemption. For the Annual and Periodic
Auto-Redemption options, at the time of the Auto-Redemption you will receive as many of your selected rewards that you are eligible for with your Reward
Points balance at that time. For the Annual Auto-Redemption option the reward will be sent to you up to 28 days after the date you nominate. To change or cancel future Auto-Redemption options visit anzrewards.com and go to ‘Manage
My Account’ or call 1300 367 763. If an Auto-Redemption has been processed, any changes made to Auto-Redemption preferences will only be applicable for future redemptions.
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Additional Features
ANZ Contactless
ANZ Visa payWave and American Express Contactless payment features allow you to securely pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants. It’s the easiest way to pay for those smaller everyday purchases. And when it comes to purchases $100 and over, you simply enter your PIN or sign as usual - easy. amexconnect.com.au Your ANZ Rewards American Express card connects you to amazing offers and benefits, which you can tailor to suit your lifestyle and interests. Connect to great shopping, lifestyle and travel offers, as well as globaleshop, a shipping service for your purchases from US and UK online stores. Register now at amexconnect.com.au/anz Visa Entertainment
From the hottest tickets in town to the best offers in home entertainment, Visa gives you access to a world of special offers. With partners including Disney, Sony and Ticketek enjoy everything from pre-sale tickets for concerts and live events, through to special offers on movie tickets. To find out more visit visaentertainment.com.au ANZ may earn a commission on Visa Entertainment.
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Additional Advantages for ANZ
Rewards Platinum Cardholders.
Overseas travel and medical insurance1 provided by
QBE Insurance.
Your ANZ Rewards Platinum account gives you
Overseas travel and medical insurance 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
• range of pre-existing medical conditions are
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automatically covered and cover for other pre-existing medical conditions may be available at an additional cost.
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) he spouse or child of a participating card t holder who is on the trip with that participating card holder; and
(b) Australian citizen or resident of Australia or the an holder of a visa (including a 457) which:
(i) authorises you to live and work in Australia; and 4201_ANZ REWARDS VISA INTRODUCTION GUIDE_82214.indd 9
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(ii) equires you to maintain a minimum level of r health insurance coverage as required by the
Department of Immigration and Citizenship; and (iii) as more than three months validity beyond h the scheduled return date to Australia for any trip; and
you have spent at least 75% of your time in
Australia:
(iv) n the 12 months before you went on your trip; or i (v) f you have been in Australia less than 12 i 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) ticket to return you to Australia; and a (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) and content costs (tours, hire cars or other l hired transport and accommodation);
you and for your spouse and child who are on for that trip with you.
* Award or loyalty points are not considered currency in determining achievement of minimum spend.
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Card protection
We’re doing whatever it takes to protect you and your card with a range of security features and convenient services.
ANZ Falcon™
You are also protected from fraud by another advanced system called ANZ FalconTM. It works around-the-clock by monitoring your card for suspicious transactions, including when you shop online, over the phone and overseas.
ANZ Fraud Money Back Guarantee
If you suffer a loss as a result of a fraudulent transaction on your card, ANZ will credit your account with the amount of the loss provided you didn’t contribute to the loss and have notified ANZ promptly of the fraud.
ANZ Contactless
ANZ Contactless transactions are also protected by
ANZ Falcon™ and ANZ Fraud Money Back Guarantee.
Which gives you piece of mind that ANZ Contactless transactions are secure, not just a more convenient payment method for those smaller everyday purchases.
90-Day Purchase Security2 for ANZ Rewards Platinum
If you are an ANZ Rewards Platinum cardholder, you receive 90-day Purchase Security Insurance# cover against loss, theft or damage of most items purchased with your card. You can also purchase travellers’ cheques without commission fees at ANZ branches in Australia.
Extended Warranty2 for ANZ Rewards Platinum
You can also enjoy an Extended Warranty on your major personal and household purchases at no extra cost. This automatically covers most purchases made for up to 12 months after the original manufacturer’s
Australian warranty expires.
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Repayments
Each month, you have the choice of paying either the full balance owing on your credit card, or a lesser amount (generally as little as 2% of the Closing
Balance shown on the relevant statement of account, or $25, whichever is greater). Either way, please remember to pay the Minimum Monthly Payment plus any amount shown as Payable Immediately on each statement of account by the applicable due date or a Late Payment Fee may apply.
You can choose to pay:
• with ANZ Internet Banking (anz.com) – transfer funds from your linked ANZ account
• with ANZ Phone Banking – call 13 13 14 to transfer funds from your linked ANZ account
• using BPAY® with ANZ Phone Banking or
ANZ Internet Banking
• any ANZ ATM in Australia – transfer funds from at your linked ANZ account
• using ANZ’s CardPay Direct service – an automatic direct debit from a nominated account at most banks and other financial institutions. Call 13 13 14 for more information.
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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 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.
1. 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 of 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.
2. Extended 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.
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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 13 14 for a copy.
ANZ Rewards – Rewards Program
Terms and Conditions
When these terms and conditions apply
1. you are a new account holder, these terms and
If
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.
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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. ANZ Rewards Visa PAYCARD accounts, Reward
For
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. you hold a participating card, you may earn Bonus
If
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.
7.
You will not earn Reward Points on interest charges; premiums paid for ANZ Credit Card
Insurance; government charges; bank fees; payments made to the Australian Taxation Office; card account adjustments resulting from disputed transactions or otherwise; balance transfers; cash advances (as defined in the ANZ Credit Cards
Conditions of Use).
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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. eward Points must be used to claim a reward
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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. the event your card account is closed, any Reward
In
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. n the event the Program is terminated, we will
I
notify you of termination and any claim for a reward must be made within 90 days of the date of termination.
15. e may also cancel Reward Points at our sole
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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
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reasonably suspect you are operating your card account fraudulently.
Rewards statement
16. ou will receive a rewards statement quarterly if
Y
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. nly the account holder may claim rewards.
O
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. ou may use the option of `Points Plus Pay’ to
Y
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.
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23. he procedure for claiming rewards is set out in
T
the Introducing ANZ Rewards and Introducing
ANZ Rewards Black guides. All rewards are subject to availability and substitutions may be necessary.
24. efore seeking to claim a reward, you should
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review the rewards on anzrewards.com
25. ewards cannot be taken by pooling of Reward
R
Points by persons with different card accounts.
26. nless we advise otherwise, rewards cannot be
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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. e may change the Rewards Guide at any time.
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If any change affects Reward Points already accumulated you will be notified at least 30 days before that change takes effect.
29. onus Partners also have the right to make
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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. e may at any time and in our discretion without
W
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. e may change or amend these terms and
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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.
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What we are not liable for
32. xcept as provided in any law which cannot
E
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;
• not responsible for the loss, theft or are destruction of rewards;
• not accept any liability with respect to any do loss arising from the supply of a reward;
• not liable for any delay or inability to provide are any rewards caused by circumstances beyond our control including strikes, industrial disputes or acts of God.
33. n the event that we are liable for breach of any
I
term implied by law, we limit that liability where we are entitled to so do to:
• replacement 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. ll questions or disputes regarding eligibility for
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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.
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35. ll questions or disputes must be submitted in
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writing to the Rewards Centre and, where relevant, be accompanied by a legible copy of the relevant sales receipt or card account statements.
36. f you are not satisfied with our response to your
I
question or dispute, you may access our complaints handling procedure, which is set out in the ANZ Credit Cards Conditions of Use.
General
37. f you breach or any additional cardholder
I
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. ny tax liability, stamp or other duty or other
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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. onus Partners other than ANZ are not
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responsible for the management, operation or administration of the Program.
40. ou may request further details about the
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Program by calling 1300 367 763.
41. he Australian Securities and Investments
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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.
Bonus Partner terms and conditions
42. nly goods and services purchased in Australia at
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Bonus Partners using participating cards are eligible for Bonus Reward Points.
43. here a Bonus Partner arranges, organises or
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books a good or service provided by another
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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. onus Reward Points are not earned on franchised
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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) he Main Cardholder will earn one Reward Point
T
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) ny Reward Points earned by use of the ANZ
A
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) our points record will be adjusted to reflect
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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).
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(e) eward Points will only be credited to a points
R
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.
Promotional offers
46. ou will earn Promotional Reward Points subject
Y
to meeting eligibility criteria for limited offers made by ANZ to account holders.
Loyalty bonus
47. Loyalty bonus
(a)
Subject 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 card holder authorised by you, reach the spend target during your first year.
(b) the purposes of this clause 47, qualifying
For
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) NZ reserves the right to withhold any loyalty
A
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) o loyalty bonus will be paid if ANZ or the black
N
card account holder closes the black card account
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21–22
before the end of the first year, regardless of whether the spend target was met prior to the account’s closure.
(e) ny loyalty bonus earned will be credited to your
A
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) the purposes of calculating whether the spend
For
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) black card accountholder may receive no more
A
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.
‘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.
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‘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.
‘participating card’ means a classic card, platinum 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.
‘platinum card’ means an ANZ Rewards Platinum
American Express, ANZ Rewards Visa Platinum, 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.
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23–24
‘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. 