Unlimited CashBack Rewards
Earn as much as you spend — with $1 back for every $150 spent on eligible purchases, there's no cap on how much you can earn. It’s a straightforward rewards programme that puts money back into your pocket.
Dynamic security code for safer online shopping
Available in the ANZ goMoney app, this code updates every 12 hours, replacing the static 3-digit CVV on the back of your card. It adds a powerful extra layer of fraud protection for online purchases.
Up to 55 interest-free days
Manage your payments efficiently with up to 55 days of interest-free credit, provided you pay your balance in full by the due date each month — giving you more breathing room to plan your cash flow.
Pay with your device or tap-and-go
Use Apple Pay or Google Pay for secure, contactless payments. You can also simply tap your card at checkout terminals, making purchases fast, easy, and hygienic.
Built to make your everyday spending work harder for you
The ANZ CashBack Visa is designed with simplicity, practicality, and real financial value in mind. Instead of navigating complex rewards programmes or chasing point conversions, this card offers something more straightforward — real money back on the things you already spend on every day. Whether it’s groceries, fuel, bills, or dining out, every eligible purchase gets you closer to your next CashBack Reward.
What sets this card apart is its focus on ease and transparency. There are no earning caps, no reward tiers to unlock, and no expiry dates to worry about. Your cash rewards accumulate throughout the year and are automatically credited to your account — no action needed.
But it’s not just about earning — it’s about spending smart and staying secure. With ANZ’s powerful goMoney app, real-time fraud monitoring, and the innovative dynamic security code that refreshes every 12 hours, you’re protected both online and at the checkout. All of this comes with an affordable annual fee of just $40, making the ANZ CashBack Visa an excellent choice for those who want to maximise the value of everyday purchases while keeping costs low.
There’s no cap on your earnings — the more you spend on eligible purchases, the more you get back. You’ll earn $1 cash back for every $150 spent, calculated over a 12-month period from your first eligible transaction. At the end of that period, the total cash back is credited directly to your account, giving you a tangible return on everyday spending.
Most of your everyday expenses count — including groceries, fuel, dining, subscriptions, and utility bills. However, transactions like cash advances, balance transfers, gambling activity, and business-related expenses are excluded from earning CashBack. It’s designed to reward personal, lifestyle-focused spending.
The process is completely automatic. On the anniversary of your first eligible purchase, ANZ calculates your total CashBack earnings from the past year and applies it as a credit on your next statement. You’ll see a clear record of the reward, and there’s nothing you need to claim or convert — just spend and receive.
Absolutely. ANZ enhances your protection with a dynamic security code — available via the ANZ goMoney app — that updates every 12 hours. This feature replaces the static CVV on your card and makes your online transactions significantly safer by reducing the risk of stolen card details being reused.
The card comes with a modest annual fee of $40, while additional cards cost just $5 per year. The interest rate for both purchases and cash advances is 20.95% p.a. To avoid interest, you can benefit from up to 55 days of interest-free credit by paying your full balance by the due date each month.
Turn everyday spending into real financial returns
Looking for a credit card that rewards you without the hassle of managing points or complicated redemption systems? The ANZ CashBack Visa makes it easy to get real value from your everyday purchases. With no cap on rewards, no conversions, and a system that puts money straight back into your account, it’s an ideal choice for anyone wanting to stretch the value of their spending.
From supermarket runs to monthly bills, every eligible transaction brings you closer to your next CashBack credit — all while you enjoy the convenience of contactless payments, the security of dynamic card protection, and the powerful features of ANZ’s goMoney app. It’s a credit card that truly fits into your life without unnecessary complexity.
Click the button below to visit ANZ’s official website and start your application today — and begin turning your spending into meaningful savings.