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General Details

Institution	ANZ Bank
Contact Number	13 13 14
Product Name	ANZ Frequent Flyer Visa Gold
Product Details
Card Type	V
Status Level	Gold
Account Type	Credit
Purchase Rate	20.74
Cash Advance Rate	20.74
Intro Rate	0
Intro Term	0
Balance Transfer	-
Free days (up to)	55
Min Repayment	2%
Fees
Annual Card Fee	95
Annual Rewards Fee	$55 p/card p.a.
Late Payment Fee	35
Duplicate Statement Fee	14
Trans Verification Fee	0
Reinstatement Fee	0
Over Limit Fee	35
Over Limit Fee Charged When Over	1
OS ATM Fee Balance	0
OS ATM Fee Withdrawal	0
OS Emergency Card Fee	0
Interest Charged From	PurchaseDate
Annual Fee Waiver	N/A
Features
Overseas ATM Availability	-
Interest Paid On Credit Balance	No
Purchase Insurance	Yes
Auto Travel Insurance	N/A
Loan Application Fee Discount	No
Comments	Visa PLUS overseas ATM accessCash advance fee is 2%. No cash advance fee charged for overseas cash advances. Please refer to www.anz.com for more information on credit card fees and charges.
Rewards
Rewards Program Avail	Yes
Program Name	ANZ Frequent Flyer Visa
Program Partners	Qantas
Points per Dollar	1
Bonus Points Avail	Yes
Bonus Point Partners	1 Qantas Frequent Flyer points per A$ spent with Qantas and between 2 and 6 Qantas Frequent Flyer points per A$ spent at Bonus Partner outlets in Australia
Number of Bonus Points	0
Lifetime of Points (mths)	0
Conditions	Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Visa Reward Terms and Conditions, please call 13 22 73 for a copy. You must be a member of the Qantas Frequent Flyer program to earn Qantas Frequent Flyer points. A joining fee applies. Membership subject to the Qantas Frequent Flyer program Terms and Conditions. Limits apply to the number of points that can be earned in a monthly statement cycle. These limits do not apply to Bonus Points.
Frequent Flyers
Conversion to Frequent Flyers	Yes
Rewards to Frequent Flyer Ratio	1:1. If you spend up to $1,500 per month you will earn 1 point per $1 spent. If you spend above $1,500 per month, the points rate would vary. Refer to the Monthly Spend Tiers available from www.anz.com. (No points for spend over $10,000)
Domestic Airlines	Qantas Frequent Flyer
International Airlines	-
Availability
NSW	Yes
ACT	Yes
QLD	Yes
VIC	Yes
TAS	Yes
SA	Yes
WA	Yes
NT	Yes

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^#Where actual testimonial savings or potential savings are mentioned, these are specific to the circumstances in question and may have been achieved with specific Artog partner offers. These may not apply to your situation.