Flight availability is at the sole discretion of Virgin Australia and airline partners. Applications for credit are subject to ANZ’s eligibility and credit winewalkhealdsburg.com approval criteria. The standard annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change. You must be sure you will be able to repay a credit card before you take one out.

See the ANZ Credit Card Conditions of Use (PDF) and the ANZ Consumer Credit Cards Fees and Charges (PDF) for more information about fees and charges. If you transfer to a different credit card account this offer will cease to apply. Eligible purchases include purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions, and will not qualify.

More Rewards points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions (PDF). More Rewards points will only be credited to your account once you have spent at least $1,500 on eligible purchases and your account has been open for at least 60 days. You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest free period is calculated.

• You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
• Offer is for new and approved credit card applicants and is limited to one offer per applicant.
• More Rewards points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions (PDF).
• A credit card is a credit facility which allows you to borrow money from the bank to make purchases and get cash advances.

Altitude Rewards Black

You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. However, complimentary membership is available from Bankwest if you join at qantas.com/joinffbankwest. Membership and the earning and redemption of points are subject to the terms and conditions of the Qantas Frequent Flyer program. Qantas Points are earned in accordance with and subject to the Bankwest Qantas Rewards Terms and Conditions (PDF).

Interest free days

Turn everyday spend into your next reward and use your Qantas Points on flights, accommodation, car hire, entertainment and more. You can check your Qantas Frequent Flyer balance by logging into your Frequent Flyer account at the Qantas website. You can redeem your Qantas Frequent Flyer points online at the Qantas website. Your Qantas Points are automatically credited to your Qantas Frequent Flyer account every month. To find out how to use your Qantas Points and when they expire, visit the Qantas website. I want to earn Qantas Pointsdisclaimer and start booking flights, hotels and travel upgrades.

Tips to help pay your credit card debt faster

Your card must remain open for the bonus More Rewards Points to be received. Add your virtual card to your digital wallet or copy card details to start using it straight away. Add your card to your digital wallet, then spend instantly with Apple, Google or Samsung Pay. Check out your amount owing, and get optional alerts when your next repayment is due. No need to hunt for a transaction – see what you’ve spent across your accounts at a glance.