• ANZ Cashback Credit Cards

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    ANZ Cashback Credit Cards

    ANZ Bank or the Australia and New Zealand Bank is one among the largest banking groups in the entire Asia – Pacific region. ANZ Bank is a result of the merger between Bank of Australasia and the Union Bank of Australia on October 1st, 1951. The stellar performance of the bank is reflected in its rankings in both, Australia as well as New Zealand. ANZ Bank is the largest bank in New Zealand and among the top three banks in Australia. The bank caters to the financial needs of individuals and businesses alike. The bank has also continued to expand in emerging economies that include Vietnam, China, India and Indonesia. The international presence on ANZ Bank was established with its operations on the Solomon Islands. In India, it is among the top private sector banks.

    ANZ Cashback Credit Cards Overview

    ANZ offers an exclusive cashback credit cards that will earn you cash rewards with every purchase you make on popular categories. The following are ANZ bank’s cashback credit cards –

    • ANZ Optimum World MasterCard Credit Card

    ANZ Optimum World MasterCard Credit Card

    Welcome Offer

    You will be rewarded with a SGD 100 cash rebate when you apply for a new ANZ Optimum World MasterCard Credit Card.

    Cash Rebate Earning Potential using the ANZ Optimum World MasterCard Credit Card

    You can choose a category of preference from the available options wherein the purchases made related to the chosen category will earn you 5% cash rebate and all other categories will earn you 1% cash rebate. There is no cap to how much cash rebate you can earn.

    Find below the available categories to choose from –

    • Dining and Leisure
    • Travel
    • Shopping
    • Groceries

    You can choose your preferred category every calendar quarter to maximize your cash rebate earning potential.

    • Dining and Leisure – You will earn 5% cash rebate at hotels, restaurants, bars and cinema. You will earn 1% cash rebate on all other purchases.
    • Travel - You will earn 5% cash rebate at travel agencies, airlines and online travel portals. You will earn 1% cash rebate on all other purchases.
    • Shopping - You will earn 5% cash rebate at online fashion stores and fashion boutiques. You will earn 1% cash rebate on all other purchases.
    • Groceries - You will earn 5% cash rebate at supermarkets. You will earn 1% cash rebate on all other purchases.

    Illustration of how you can earn cash rebates on your ANZ Optimum World MasterCard Credit Card

    Example – You have chosen a preferred category of Dining and Leisure -

    Cash Rebates earned on Dining and Leisure category

    Dining and Leisure Categories Cash Rebate Percentage Your Cash Rebate Earned
    Company Lunch – SGD 700 5% SGD 30
    Family Dinner in Bali – SGD 430 5% SGD 21.50
    Popcorn at the movies – SGD 7 5% SGD 0.30

    Cash Rebates earned on other categories

    Other Categories Cash Rebate Percentage Your Cash Rebate Earned
    Groceries – SGD 200 1% SGD 2
    Purchase of a magazine at Convenience Store – SGD 7 1% SGD 0
    Designer Bag – SGD 5000 1% SGD 30

    Note – For every transaction, the Optimum$ that you will earn will be rounded off to the nearest 0.1 Optimum$. Each 0.1 Optimum$ is equivalent to SGD 0.10 cash rebate, up to a maximum of SGD 30 cash rebate.

    Eligibility Criteria for ANZ Optimum World MasterCard Credit Card

    Eligible applicants must meet the following criteria in order to apply for this ANZ credit card -

    • Singapore Citizens (SCs), Singapore Permanent Residents (PRs) and Foreigners are eligible to apply for this card.
    • Applicant must be at least 21 years of age or above.
    • All applicants must earn a minimum income of SGD 80, 000 per annum to be eligible.

    Annual Fees and Charges

    • Principal Card – The annual fees for the principal card is SGD 180 per annum. The annual fees for the first year is waived.
    • Supplementary Card - The annual fees for the supplementary card is SGD 90 per annum. The annual fees for the first year is waived.

    Other Types of Credit Cards Offered by ANZ

    ANZ Credit Card Balance Transfer

    Read More Related to Credit Cards:

    Best balance transfer credit cards in Singapore

    Best cash rebate credit card in Singapore

    Best credit card in Singapore for foreigners

    Best Credit cards for Overseas Spending

    Best Low Interest Credit Cards

    Best Travel Credit Cards

    Best Cashback Credit Cards

    Best Shopping Credit Cards

    Frequently Asked Questions

    1. Are there transactions made on my ANZ Optimum World MasterCard Credit Card that are not eligible to earn cash rebates?
    2. Yes. Certain transactions made on your ANZ Optimum World MasterCard Credit Card are not eligible to earn cash rebates. These transactions include cash advance, finance charges, loans on your card, balance transfer charges, late payment charges interest-free installment payment plan, other unauthorized charges which the bank may add to or remove from the list of eligible charges from time to time as per its discretion.

    3. Will the cash rebates I earn each month get automatically offset against my monthly statements?
    4. No. You will earn Optimum$ on each eligible transaction which you will have to accumulate and then redeem it for cash rebates in denominations of SGD 50. You can also use your Optimum$ for waiving your annual fees.

    5. How do I redeem the cash rebates earned on my ANZ Optimum World MasterCard Credit Card?
    6. You can redeem the cash rebates you have earned on your ANZ Optimum World MasterCard Credit Card either for cash or for an annual fee waiver on your principal / supplementary card. You can redeem the Optimum$ you have earned for SGD 50 cash rebate when you at least have 50 Optimum$ in your account. You can also redeem 180 Optimum$ for an annual fee waiver on your principal credit card that is worth SGD 180 OR 90 Optimum$ for an annual fee waiver on your supplementary card.

    7. On what all transactions can I use the cash rebates I have earned on my ANZ Optimum World MasterCard Credit Card?
    8. You can use the cash rebates you have earned to offset any future retail purchases on your ANZ Optimum World MasterCard Credit Card. However, your earned cash rebates cannot be used for transactions including Flexi plan, cash advance, funds transfer, Installment Payment Plan (IPP), interest charges or any other fees and charges.

    9. Is there an expiration date for the Optimum$ I earn on my ANZ Optimum World MasterCard Credit Card?
    10. Yes. Each Optimum$ earned expires after 3 years from when you received it post which you cannot use them for redemption.

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