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The ANZ Cashback World credit card returns 1% cashback on all eligible purchases — uncapped, no categories to track. At $95/yr, it suits people who want simple, predictable rewards without points programs.
ANZ Credit Cards at a Glance
RewardsANZ Rewards Black
180,000 bonus pts, 1.5 pts/$1, $375/yr. Highest sign-up bonus in Australia.
Qantas PointsANZ Frequent Flyer Black
Up to 130k Qantas pts, 1 pt/$1, $425/yr. Direct Qantas earn + Status Credits.
CashbackANZ Cashback World
1% uncapped cashback on everything. $95/yr. No categories to track.
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Why the ANZ Cashback World credit card Stands Out
✓ What makes it worth it:
- 1% cashback on all eligible purchases — uncapped
- No categories or caps to track
- Cashback credited automatically as statement credit
- World Mastercard benefits (travel insurance, concierge)
- Up to 55 interest-free days
✗ What to consider:
- $95 annual fee — need $9,500+ spend to break even
- 1% rate is lower than category-specific cards
- 20.99% purchase rate
- No sign-up bonus currently
Verdict: Who Should Get This Card?
The ANZ Cashback World works if you spend $10,000+ per year across all categories and want zero complexity. If your spending is concentrated at supermarkets, the Coles or Woolworths cards return more in those categories.
Ready to apply? Go directly to ANZ:
✓ Official ANZ website • ✓ Secure application • ✓ Takes 5-10 minutes
Is the 1% cashback really uncapped? ▼
Yes — there is no monthly or annual cap on cashback earned. Every eligible dollar earns 1 cent back.
How is cashback paid? ▼
Automatically credited to your statement each month. No redemption required.
What purchases are excluded? ▼
Cash advances, balance transfers, gambling transactions and government charges are excluded from cashback.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the ANZ website before applying.
