Cashback Card

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The credit card that earns cash rewards

This card could be for you if:

  • You want to earn cash rewards on your credit card spend
  • You use your credit card for all your everyday spend.
  • Earn 1 CashBack point for every $1 you spend on eligible purchases* on the first $30,000 per CashBack year.
  • The CashBack reward is calculated with two earning tiers in place - 0.5% for Annual Spend $5,000-$9,999; 1% for Annual Spend $10,000-$30,000.
  • A minimum spend of $5,000 per year is required to qualify for a CashBack Reward.
  • The CashBack year runs from the date of the first purchase transaction for a 12 month period and your cash reward will be automatically paid into your credit card account.

Standard ANZ credit card features:

  • Flexible payment options - pay via online or phone banking 24/7, set up an automatic or direct debit payment, pay at any ANZ ATM or visit us in branch.
  • Set up regular payments (like your power bill or gym membership) from your ANZ credit card.
  • Pay for purchases using ANZ Contactless. Simply wave your card over any Contactless EFTPOS terminal and go. For purchases over $80 you'll need to enter your PIN. As the card never leaves your hands, it’s the quick and secure way to pay for purchases.
Interest rate on purchases
Interest rate on cash advances
Interest free days on purchases
Up to 55 days
Annual fee
$60 p.a.
(charged in full once a year)
Joint or additional card
$10 p.a.
(charged in full once a year



CashBacks reward you for eligible purchases* you make with your
ANZ CashBack credit card, by automatically crediting your cash reward to your credit card account once per year, on the statement following the anniversary of your first purchase on your CashBack card.

CashBack Rewards have two earning rates, so your reward depends on your level of annual spend.

Annual spend Reward rate
$5,000 - $9,999 0.5%
$10,000 - $30,000 1.0%

For example:
Spend $5,000 on eligible purchases within 12 months and your CashBack Reward is 0.5% of $5,000 = $25

Spend $12,000 on eligible purchases within 12 months and your CashBack Reward is 1% of $12,000 = $120

Cash advances and the purchase of cash substitutes (e.g. travellers' cheques), gambling transactions and business related expenditure will not qualify as eligible purchases for a CashBack Reward.

For full details see the ANZ CashBack card guide and ANZ Credit Card Conditions of Use available from any ANZ branch.

You can apply online, call us on 0800 269 277 (8am-7pm, Monday to Friday and 9am-4pm on Saturday) or visit your nearest ANZ branch.

If you don't currently bank with ANZ, you'll need to provide:

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* Eligible purchases do not include cash advances, balance transfers and the purchase of cash substitutes (such as travellers cheque), gambling transactions, or business related expenditure.

Interest rates are subject to change. Lending criteria, terms, conditions and fees apply. See Terms and Conditions for more information.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

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