How to Redeem ANZ Travel Reward Points

Turn Your ANZ Reward Points into Travel Perks

Olesya Krasavtseva
Fact-checked by Olesya Krasavtseva
Content Editor at Prostobank Consulting Prostobank Consulting Logo
Updated: 01.09.2026
Table of Contents

Transforming your everyday spending into exciting holidays is the primary benefit of the ANZ Rewards program. For Australian cardholders, redeeming your accumulated travel reward points is a gateway to airline transfers, hotel bookings, and comprehensive travel packages across the globe.

Accessing the ANZ Rewards portal via your digital banking profile ensures a secure and seamless redemption experience. This guide walks you through the exact steps to navigate the platform, transfer your points to frequent flyer partners, and resolve common login roadblocks along the way.

Step-by-Step Points Redemption Sequence

  • Navigate to the official ANZ website and select the Log on button in the top right corner.
  • Choose ANZ Internet Banking, then enter your Customer Registration Number (CRN) and your Password.
  • Approve the secure login via Multi-Factor Authentication (MFA) using an SMS code or the ANZ Shield application.
  • From your dashboard, select your eligible ANZ Rewards credit card account and click on your Reward Points balance.
  • Click Redeem to access the external ANZ Rewards portal, then select Airline Partners or your preferred travel category.
  • Enter your frequent flyer membership details, choose the amount of points to transfer, and click Confirm Redemption.

Troubleshooting Common Redemptions Issues

  • Multi-Factor Authentication (MFA) Delays: If SMS codes are failing to arrive when logging in or confirming a point transfer, poor cellular reception is usually to blame. Bypass this by switching your authentication method to the ANZ Shield app, which generates offline codes instantly.
  • Rewards Portal Loading Errors: The ANZ Rewards platform opens as a secure third-party redirect. If the page loops or shows a blank screen, your browser's pop-up blocker or cache is likely interfering. Clear your cookies, disable the pop-up blocker for the ANZ domain, and try again.
  • Locked Customer ID (CRN): Repeatedly entering the wrong password will lock your account to protect your points from unauthorized access. Use the Forgot password link on the main portal to reset your credentials, or contact customer support for a manual unlock.

Pro-Tip: If you exclusively use your points for flights, set up the Auto-Redemption feature within the rewards portal. This efficiency hack automatically sweeps your balance to airline partners like Velocity Frequent Flyer every month, saving you time and ensuring you never forget to manually transfer points before a big trip.

ANZ Support Quick Reference

Category Details
ANZ Rewards Centre Call 1300 367 763 (within Australia) for ANZ Rewards enquiries. Availability may vary; refer to the official ANZ website for current hours.
Airline Transfer Timeline Partner transfers (like Velocity or KrisFlyer) transfer times vary by partner program and may take several business days to process.

Frequently Asked Questions

Can I cancel a travel points redemption once submitted?

No, once you click confirm and the transfer to an airline partner or a travel gift card is processed, the transaction is final and cannot be reversed. Always double-check your frequent flyer membership number before submitting.

Do I need to be registered with the airline partner beforehand?

Yes, you must have an active, existing account with the specific frequent flyer program (such as Virgin Velocity or Singapore Airlines KrisFlyer) before you can successfully initiate a point transfer from the ANZ portal.

Official Bank Information

ANZ Bank

Support: 13-13-14

SWIFT Code: ANZBAU3M

Video Guides

Watch our expert video reviews to navigate Australian banking with ease.

Bank's Services and Products

Find and compare the best banking products tailored to your financial goals.

Personal Banking

Personal credit cards

Show details
Minimum credit limit is $1,000Up to 55 interestfree days on purchases when the closing balance is paid in full by the due dateNo ANZ Reward or Qantas Points benefitsNo complimentary insurancesEligibility: 18+ and Australian/New Zealand citizen, permanent resident, or valid visa holder with more than 12 months remainingBalance transfer offer may include 0% p.a. for 26 months, with the promotional period starting when the Letter of Offer is issuedBalance transfer promotional offer reverts to the standard balance transfer rate after the promotional periodCreditback offer available on selected promotions, subject to spending conditions

Personal debit cards

Show details
Linked Account: Must be linked to an ANZ Plus Everyday accountDigital Integration: Can be added to digital wallets on phones, watches, or wearablesGlobal Acceptance: Useable online, over the phone, or overseas wherever Visa is acceptedSecurity: Monitored by ANZ Falcon with a Fraud Money Back GuaranteeSpecial Features: Includes builtin accessibility features

Personal savings accounts

Show details
Bonus Interest Requirement: Single deposit of $10 or more and no withdrawals, transfers, or fees processed in the monthBase Interest Rate: 0.01% p.a. applied if bonus criteria are not metEligibility: Australian residents aged 12 or older (under 12 requires a Trust account)Account Purpose: Designed for personal use onlyEffective Date Logic: Bonus eligibility is based on effective processing dates, which may differ from calendar transaction dates

Personal transaction accounts

Show details
Available only to recipients of eligible Centrelink or Veterans’ Affairs pensions or allowancesMust be an Australian resident with a valid residential addressInterest is tiered and paid quarterly based on balanceOptional ANZ Access Visa Debit card for payments and withdrawalsAccess to ANZ App, Internet Banking, ATMs and Phone BankingIncludes budgeting tool (ANZ Spendi) and fraud protectionAbility to link to savings accounts for better interest optimization

Loans & Mortgages

Personal Car loans

Show details
Unsecured personal loan; no car or other asset is required as securityBorrowing amount from $5,000 to $75,000Loan term from 1 to 7 yearsFixed rate and variable rate options availableVariable rate loans allow early or extra repayments without additional costs and include redraw accessSameday cash may be available if approved in branch by midday, Monday to FridayEligibility includes being 18 or older, earning at least $15,000 per annum, and holding Australian citizenship, permanent residency, or a valid visa

Personal Home Loans

Show details
Interest Rate Structure: Variable rates are tiered based on Loan to Value Ratio (LVR)Offset Account: Not available with this product (nofrills basic loan)Repayment Flexibility: Additional repayments allowed without fees and access to redraw for extra fundsLenders Mortgage Insurance (LMI): Generally required if the LVR exceeds 80%Construction Terms: Progressive drawdowns permitted over a period of up to 24 months

Personal loans

Show details
Eligibility: At least 18 years old and earning a minimum of $15,000 per annumResidency: Australian citizen, permanent resident, or holder of a valid visaLoan type: Unsecured (no assets required as security)Repayment frequency: Weekly, fortnightly, or monthly optionsCredit check: Interest rates are personalized based on credit score assessment

Business Solutions

Business accounts

Show details
Minimum Age: 18+ yearsBusiness Location: Must be an Australian businessOwnership: Applicant must be the owner or directorID Requirements: Two forms of ID and ABN or ACN required for verificationInterest: Paid on balances of $5,000 and over at 0.01% p.a.Software Integration: Compatible with retail/commercial accounting software via ANZ Internet BankingDebit Card: ANZ Business Visa Debit card included at no extra cost

Business car loans

Show details
Eligibility: Australian citizen or permanent resident, 18+ years oldBusiness requirements: Current ABN; must be a sole trader, partner, or directorAsset types: Car, van, ute, truck, bus, or trailer used mostly for businessSecurity: The vehicle acts as security; personal guarantees may be required from directorsDeposit: No deposit required option availableRapid Replacement: Faster approval for upgrades if business borrowings are under $1.5 million

Business credit cards

Show details
Interest Free Days: 0 days on purchasesUnauthorised Transaction Insurance: Covers up to $37,500 per cardholderAccounting Integration: Supports data feeds to Xero, MYOB, and QuickBooksSecurity: 24/7 monitoring with ANZ Falcon and Fraud Money Back GuaranteeEligibility: New cardholders only for the fee waiver offer

Business loans

Show details
Security: No asset security required for limits up to $200,000; director guarantees may applySoftware Requirement: Must use Xero, MYOB, or Intuit QuickBooks with 6+ months of reconciled dataBusiness Eligibility: Registered ABN/ACN, GST registered if turnover ≥ $75,000, turnover up to $75mApplicant Requirements: Australian citizen or permanent resident, 18+ years oldRepayments: No fixed deadline; repay as funds become availableExclusions: Not suitable for franchises or certain partnership structures

Business savings

Show details
Notice Period: A mandatory 31day notice is required for any withdrawal before the end of the termInvestment Amount: Rates provided for investments between $5,000 and $99,999; amounts above $99,999 are negotiablePayment Frequency: Interest can be paid monthly, quarterly, halfyearly, annually, or at maturity depending on the termMaturity Options: Funds can be paid out or reinvested into another ANZ term depositWithdrawal Restrictions: Early access is restricted except in cases of hardship

Find bank, branch or ATM

Locate the nearest financial services, interactive maps, and contact details across Australia.