RewardsREVIEW

WINTER2007

Subscribe to www.anz.com/frequentflyerrewards for your chance to win a $1,000 Visa Gift Card.See page 3 for details.

ANZ Frequent Flyer Visa

2

Earn more points with these great offersNew Rewards Website promotion 3

Shopping 4-7

Travel

Holiday Packages 8

Car Rental 9

Accommodation 9-11

Qantas Holidays 12

Telecommunications 6

Use your Qantas Frequent Flyer PointsFrequent Flyer Store 12

ContentsWelcome

Welcome to the winter edition of the ANZ Frequent Flyer Visa Rewards Review.

This edition is full of great offers from our Bonus Partners, including Harvey World Travel and Roses Only.

The new rewards website has just launched where you can check out Bonus Partners and view the latest special offers! Register your details at www.anz.com/frequentflyerrewards, include your preferences and you will receive regular and relevant offers via our email newsletter. Plus, if you register by 30 September 2007 you’ll go into the draw to win a $1,000 Visa Gift Card!

We hope you continue to enjoy the benefits of your ANZ Frequent Flyer Visa.

With acceptance at over 24 million locations worldwide, your ANZ Frequent Flyer Visa provides the peace of mind that some other cards just can’t offer.

What’s more, such broad acceptance provides even greater opportunity to earn more points more often. Shop, dine, drive or relax - whatever your favourite pursuit, you could be earning one point for every $1 spent on purchases*. In addition to earning points, we know that when it comes to your credit card, convenience really counts. That’s why your ANZ Frequent Flyer Visa offers direct Qantas Frequent Flyer Visa points earn.

Travel faster and further with the number one credit card of Qantas Frequent Flyers

*Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Reward Terms and Conditions (call ANZ on 13 22 73 for a copy). Limits apply to the number of points you can earn in a monthly statement cycle. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee applies. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program.

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new rewards website promotion

*For full terms and conditions of the ANZ website promotion go to www.anz.com/competition. This competition is open to Australian residents, aged over 18 years who (during the “Promotional Period”) register their details to receive email updates on one of the following websites: www.anz.com/frequentflyerrewards, www.arv.rewardscard.com.au and www.abo.rewardscard.com.au. The promotion starts at 12.01am on 1 July 2007 and closes 11.59pm on 30 September 2007 (“Promotional Period”). Total Prize is valued at AU$1,000. Draw will take place at 11.30am on 10 October 2007 at 5/15 Grosvenor Street, Neutral Bay, NSW 2089. Prizewinner’s name will be published in The Australian on 15 October 2007. Australia and New Zealand Banking Group Limited (ABN 11 005 357 522). Authorised under NSW Permit No. LTPS/07/21148, ACT Permit No. TP07/02071 & Sa Licence No. T07/2229.

Visa Gift CardWhether you are buying a gift for yourself or someone else, the Visa Gift Card from www.prepaidshop.com.au is perfect for any occasion. The Visa Gift Card is accepted everywhere that you can use Visa electronically, so you are giving the best gift of all: the gift of choice!

Visit www.anz.com/frequentflyerrewards today

Welcome to a new online world of ANZ Frequent Flyer Visa Rewards!The new rewards website www.anz.com/frequentflyerrewards has just launched!

On the website you can check out our wide selection of Bonus Partners, view the latest special offers available to you and find out how to accelerate your points balance!

Best of all, you can register to receive regular and relevant offers via email updates from ANZ Frequent Flyer Visa Rewards.

Simply:

> Visit www.anz.com/frequentflyerrewards

> Click on ‘Subscribe to receive email offers’

> Enter your first name, surname, email address and offers you would like to hear about

> Click submit

Register today and win!You could win a $1,000 Visa Gift Card when you register your details to receive email newsletters from ANZ Frequent Flyer Visa Rewards by 30 September 2007*. It’s simple, so register today for a chance to win!

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Offers valid when you use your card between 1 July and �0 September 2007, unless otherwise stated.

shopping offers

Receive Triple Bonus Points with Everything But Flowers

Make your gift stand the test of time with Prouds and receive Bonus Points

Satisfy your jewellery needs and be rewarded at the same time! Use your card at Prouds this winter and earn 1 Bonus Point for every $1 spent!

Jewellers of quality, value and service since 1903, Prouds will be sure to meet your needs with the largest range of jewellery, watches and giftware range in Australia. A repairs and evaluation service is also available to all Prouds customers.

For your nearest store please visit www.prouds.com.au

1 bonus pt per $1

� bonus pts per $1

Reward yourself with Everything But Flowers’ beautiful range of gift ideas! Use your card and earn Triple Bonus Points. Everything But Flowers offers the best value and best quality gifts starting from just $20. Choose from a wide range of gifts including gourmet hampers, department store gift cards, Champagne gifts, gorgeous baby gifts and homewares. All gifts are beautifully gift wrapped and are delivered Australia-wide.

Shop online at EverythingButFlowers.com.au or call 1300 737 114.

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Offers valid when you use your card between 1 July and �0 September 2007, unless otherwise stated.

shopping offers

Offer valid from 1 July 2007 to 30 September 2007. Delivery must be within the Roses Only Delivery Network. Deliveries will occur from Monday to Friday to most business addresses by 5pm and most residential addresses by 7pm. Conditions and costs may apply if the delivery address is outside the Roses Only network, in these circumstances Roses Only reserves the right to send a voucher of the product value in its place. *On selected products only. Not available in conjunction with any other offers, discounts or gift certificates.

Be rewarded with Roses Only with these great offers – plus you’ll receive Double Bonus Points

2 bonus pts per $1

Order now and save up to 20%* on the above offers plus receive Double Bonus Points! To order call 1300 767 376 and quote ‘ANZ offer’ or log onto www.rosesonly.com.au/anz

Banish the winter blues with Roses Only and receive a bonus vase! Purchase any Roses Only Boxed Flowers over $89 and receive a bonus vase, plus you’ll also receive Double Bonus Points! Choose from a selection of the finest roses, oriental lilies, tulips and other seasonal varieties.

Spoil someone special to say Happy Birthday, Happy Anniversary or just to say I Love You with beautiful flowers presented and delivered with Lindt chocolates, rose oil and pot pourri in the signature Roses Only box.

Welcome a new little person to the world with a ‘Bundle Of Joy’ gift from Roses Only!This Roses Only package includes beautiful pink oriental lilies, 60g Lindt chocolates, rose oil and potpourri and is an ideal gift to congratulate new mothers and mothers-to-be! These beautiful oriental lilies will be delivered with gorgeous, soft 100% cotton baby wear (1 baby suit, 2 baby bibs, 1 cute hat, available in pink for Girls and blue for the little Boys, all sizes 00).

Help every new mum understand her baby’s language with a ‘More Than Words’ gift from Roses Only!This clever gift includes a breakthrough for all new parents, the invaluable Dunstan Baby Language DVD, allowing parents to learn how to understand the meaning of their baby’s cries! The DVD is packaged with Roses Only elegant oriental lilies and a gorgeous cuddly Roses Only Junior Bear.

This thoughtful gift will be delivered in a classy Roses Only box, with delicious Lindt chocolates (60g), a small bottle of rose oil and a bag of pot pourri.

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Offers valid when you use your card between 1 July and �0 September 2007, unless otherwise stated.

shopping and telecommunications offers

Details you should know: Offers valid until 31 August 2007 and only available when you call 3 Direct on the number provided. 1. $100 credit is applied to your 3 Mobile Broadband’s third bill and is only available to ANZ Frequent Flyer Visa cardholders who buy over the phone. 2. Total minimum cost on 24 month Mobile Broadband plan is $1,176 (on a $49/1GB plan) and $1,656 (on a $69/2GB plan). If service is disconnected within the 24 month contract $49 a month ($49/1GB plan & $69/2GB plan) is payable for the remaining months of contract term and you must pay all outstanding charges. To unlock your Mobile Broadband Card you must pay all outstanding charges. 3. 3 Broadband Zone allowance includes combined upload and download data transfer. Included data expires each month. National roaming (on GPRS including within 3’s Broadband Zone) is charged separately. Each plan includes a national roaming allowance (4MB with $49 plan and 6MB with $69 plan) and additional usage above the national roaming allowance is charged at the rate of $1.65 per MB. SMS charged at 15¢ per address. Per MB pricing is charged per KB. Broadcast SMS facility available on the Mobile Broadband Card when using laptops with a Windows operating system. 4. The speed of Mobile Broadband will vary according to the zone you are in. The actual speed achieved will vary depending on a number of factors such as device capabilities, customer location and equipment and network usage at the time. 5. 100 points of ID can be made up with a combination of your credit card, Medicare card and Driver’s Licence. Other combinations are available so please ask a 3 sales agent for details. General terms and conditions: Connection only available to customers who live or work at an address within 3’s Broadband Zone. This information is correct at time of going to print. 3 reserves the right to make subsequent changes and services may be modified, supplemented or withdrawn.

$100 credit on your 3 bill 1

when you get connected with �’s new Mobile Broadband Card.

Earn Triple Bonus Points at Fast FlowersOrdering flowers for that special someone has never been so easy. At Fast Flowers, every purchase above $100 will earn you Triple Bonus Points! So why not pick out some gorgeous Freesias, Lilies or Long Stemmed Roses for your next special occasion or simply choose from their breathtaking packages with fitting names such as ‘Tropicana’ and ‘Colourama’!

up to � bonus

pts per $1

Offer valid from 1 July to 30 September 2007.

To find out more or to place an order simply visit www.fastflowers.com.au or call 1300 132 108 (24 hours 7 days).

What is Mobile Broadband?It’s broadband when you want it! It gives you the freedom to take the Web with you and stay connected on the go. Surf the net at your leisure in the garden, email on the run, get access to business documents in the taxi, or download on the bus – it’s up to you!

Why choose Mobile Broadband on �?It’s a great deal! You’ll get a massive 1GB of usage every month for just $49 per month2 (and no setup fees).

3’s Mobile Broadband Card is wireless – slotting straight into your laptop. It’s compatible with PC Express and PCMCIA PC

Card slots, and works with both PC and Mac OS laptops. Plus at typical speeds of 600kbps to 1.5Mbps, it’s very fast4!

Your mobile life just got faster.The whole 3G mobile network is ready to go faster than ever before, now boosted with High Speed Downlink Packet Access (HSDPA) technology. 3’s Mobile Broadband Card is HSDPA enabled, letting you surf the net with typical speeds ranging from 600Kbps to 1.5Mbps4. It’s true broadband while you’re on the go.

$�9 Plan per month $�9 Plan per month

3 Broadband Zone allowance3 1GB 2GB

3 Broadband Zone additional usage3 10¢/MB 10¢/MB

3’s Mobile Broadband Card cost $0 on 24 month plan2 $0 on 24 month plan2

Special offer!ANZ Frequent Flyer Visa cardholders enjoy a $100 � bill credit1 by calling 3 Direct and connecting to a Mobile Broadband plan. See below for plan options.

You don’t need to be an existing 3 customer to take up this offer.

Only available when you call 3 on 1�00 �0� 829 and quote ANZ AFF. 1. Call 7 days a week 2. Please have your ANZ Frequent Flyer Visa & 100 points of ID5 ready & quote ANZ AFF before 31 August 2007.

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Offers valid when you use your card between 1 July and �0 September 2007, unless otherwise stated.

shopping offers

Be rewarded at Retravision1 bonus pt per $1

Check out your nearest store by visiting www.retravision.com.au You can even view the latest catalogues with their huge range of products and special offers.

Don’t forget to visit your local Retravision store first for all your electrical and appliance needs this winter. From coffee machines to TVs, notebooks to MP3 players, dishwashers to clothes dryers and heaters to cameras, Retravision has more than just the best price!

You can also buy Retravision gift vouchers in denominations of $20 to $200.

Plus, use your card at any of over 400 Retravision stores around Australia and earn 1 Bonus Point for every $1 you spend!*

Earn Double Bonus Points at O’Brien – Glass with Care

Offer excludes O’Brien Authorised Dealers and is valid from 1 July to 30 September 2007. For details call O’Brien on 13 16 16.

Replacing or repairing a broken windscreen, side or rear window can earn you Double Bonus Points when you pay with your card. O’Brien can replace all types of automotive glass and repair chipped or cracked windscreens 24 hours a day, 7 days a week. What’s more, all O’Brien work carries a nationwide, lifetime workmanship guarantee!

For more details call O’Brien on 13 16 16 or visit www.obrienglass.com.au

2 bonus pts per $1

Put your feet up with PABS Furniture Rentals and earn Double Bonus Points!

Make life more comfortable with a few extra creature comforts. Use your card to rent or purchase furniture or household goods from PABS Furniture Rentals in Sydney, Melbourne, Adelaide or Brisbane and earn Double Bonus Points.

For further information call 1800 20 10 20 or visit www.pabs.com.au

2 bonus pts per $1

*Retravision Bonus Points are not earned on Miele products, excluding Miele Floorcare products.

Offers valid when you use your card between 1 July to �0 September 2007, unless otherwise stated.

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travel offers · holiday packages

Beat the winter blues and be rewarded with Harvey World Travel

*Conditions and seasonal surcharges apply. Prices are per person twin share. Prices are correct at time of issue & subject to availability at time of booking. Prices are subject to change without notice. Please note a surcharge may be imposed on credit card transactions. A service fee may be charged. For full terms and conditions please ask your Harvey World Travel Consultant. Canada/Alaska offer: Savings per couple twin share and based on Earlybird and special seasonal departures. For new bookings only. No further discounts apply. Earlybird savings & upgrades on Rocky Mountaineer, view rooms and balcony cabins are available for limited seats on set departures. Subject to availability. Bonus points offer available 1st July – 31st October 2007. Scenic Tours Ltd ABN 85 002 715 602. Lic No. 2TA 002 633. Europe offer: Valid for travel from 1 to 15 December 2007. No airfares included. Bonus Points offer is valid for bookings made until 31 October 2007 and based on a twin share booking, single passengers will be rewarded with 1,500 Bonus Points. Brampton Island offer: Valid for travel from 1 July 2007 – 20 December 2007 & 22 January 2008 - 31 March 2008. No airfares or transfers included. Other room types available on application. A maximum of 5,000 Bonus Points per booking. Please Note: Brampton Island does not offer any children’s facilities. Harvey World Travel Bonus Points are not earned on online transactions.

Escape the winter chill to an island paradise!

Voyages Brampton Island is the ideal haven for couples seeking a romantic escape. This large and beautiful National Park Island is surrounded by sparkling azure waters, seven golden sandy beaches, coral gardens and an array of National Park walking and jogging tracks. Do as little or as much as you like at this island paradise!

Your holiday includes:> 5 nights in a Palm room> Full buffet breakfast daily> All non-motorised water sports

and many island activities> Extra nights from just $124* per person.

Discover Europe in winter and reward yourself with Trafalgar ToursBook and make a deposit on a 2007 Winter Christmas Markets Tour or River Cruise by �1 October 2007 and receive �,000 Bonus Points per couple*.

The Christmas Markets of Germany & France is one of the most popular Christmas tours, so why not enjoy 8 days soaking up the local holiday traditions

and shopping for unique gifts at the Christmas markets in Munich, Rothenburg, Nuremberg and Strasbourg.

Your holiday includes:> First class hotel accommodation > Touring by luxury coach> Delicious meals including breakfast daily> Professional Trafalgar Tour Director> Guided sightseeing.

Earlybirds save up to $5,000 and receive amazing savings and upgrades, when booking an exclusive Scenic Tours trip to Canada and Alaska

bonus points

up to �,000

bonus points�,000

Book a Scenic Tours 2008 ultimate touring experience of Canada & Alaska now, and earn �,000 Bonus Points per couple! Take advantage of these great earlybird savings and receive bonus upgrades!*

Your holiday includes:> Bonus upgrade to a Private Veranda

Stateroom on your Alaskan cruise* > Guaranteed* upgrade to luxurious

Goldleaf Class on the Rocky Mountaineer> Guaranteed* upgrade to a Lake View room

at the Fairmont Chateau Lake Louise> Guaranteed* upgrade to a View Room at

the Fairmont Banff Springs Hotel.

� nights at Brampton Island, Whitsundays from $�20 per person PLUS up to �,000 Bonus Points!*

Ask Harvey World Travel about the best available airfares to get you there!

For bookings, more details, best airfares plus other great offers contact Harvey World Travel on 1�2 7�7 and quote ‘promotion code 3190’ or visit www.harveyworld.com.au

Remember you can earn 1 Bonus Point for every $1 spent on your card through Harvey World Travel.

bonus points

up to �,000

Call Harvey World Travel now on 1�2 7�7 for full details on this exclusive offer for ANZ cardholders!

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Offers valid when you use your card between 1 July and �0 September 2007, unless otherwise stated.

travel offers · car rental and accommodation

Double the fun!That’s Thrifty Thinking!

up to 2 bonus

pts per $1

Offer valid for completed car rentals from 1 July to 30 September 2007. Excludes school holidays and public holidays. Standard rental conditions apply. Excludes specialty and commercial vehicles. Not to be used in conjunction with any other offer.

Thrifty can make your travels more exciting with a great range of cars on offer, including the brand new Mini Cooper and the environmentally friendly, fuel efficient Toyota Prius. Thrifty offers great cars at great rates at any of their 260 locations Australia-wide as well as Bonus Points for every $1 you spend on your card.

Spend $260 or more in a single transaction and you’ll earn Double Bonus Points.

To make a booking call 1300 367 227 or visit www.thrifty.com.au

Turn up the heat at Novotel Hotels and Resorts with Double Bonus Points!

Whether you’re escaping the winter chills for the North Queensland tropics, visiting wine country or staying city central, Novotel Hotels and Resorts deliver the most diverse range of holiday destinations and weekend escapes this winter, including a buffet breakfast if you stay Friday, Saturday or Sunday night.

Plus you can also earn Double Bonus Points when you spend over $250 at the following Novotel Hotels and Resorts:

Novotel Canberra

Novotel Melbourne on Collins

Novotel St Kilda, Melbourne

Novotel Brighton Beach, Sydney

The Menzies Sydney

Manly Pacific Sydney Managed by Novotel

Novotel Resort Barossa Valley, South Australia

Novotel Northbeach, Wollongong

Novotel Pacific Bay Resort, Coffs Harbour

up to 2 bonus

pts per $1

Offer valid from 1 July to 31 August 2007 when cardholders spend $250 or more in a single transaction at participating Novotel Hotels and Resorts in Australia only. Accor Hotels and Resorts Bonus Points are not earned on online transactions. Buffet breakfast offer valid for stays from Friday to Sunday night inclusive between 1 July and 31 August 2007 at participating hotels, subject to availability.

To find out more about Novotel hotels and resorts visit www.novotel.com.au or to book your winter escape call Accor Reservation Services on 1300 65 65 65.

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Offers valid when you use your card between 1 July and �0 September 2007, unless otherwise stated.

travel offers · accommodation

To make your booking visit www.rendezvoushotels.com or call 1800 088 888.

Whether you travel for work or simply to getaway you’ll find the perfect hotel with Rendezvous and Marque Hotels and Resorts. Stay two nights and earn Double Bonus Points when you spend $250 or more in a single transaction!

Choose from the following magnificent venues to suit your needs for business or pleasure:

Rendezvous Hotels & Resorts: Broome Sydney Perth Brisbane Adelaide Port Douglas Melbourne

Marque Hotels: Brisbane Sydney Melbourne Canberra

Offer valid from 1 July to 30 September 2007. Offer subject to availability. Not to be used in conjunction with any other offer. Double Bonus Points not available on conferences, weddings or special events. Stay is for minimum two nights with minimum spend of $250.

up to 2 bonus

pts per $1

Double your fun with Rendezvous and Marque Hotels

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travel offers · accommodation

Earn Double Bonus Points at the luxurious Shangri-La Hotel, Sydney

Offer valid from 1 July to 30 September 2007. Accommodation is subject to availability. Double Bonus Points are not valid on public holidays. Double Bonus Points are not available on conferences, weddings or special events.

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Escape the winter chills and be immersed in the opulent surrounds of the Shangri-La Hotel, Sydney. The unrivalled combination of stunning harbour views, beautiful facilities and legendary Shangri-La service will turn any day into a truly unforgettable experience.

Recently completing a AU$40 million refurbishment, Shangri-La Hotel, Sydney was crowned “Best Luxury Accommodation” at the Tourism NSW Awards 2006 and offers a unique blend of Australian and Asian hospitality

After exploring the city’s main attractions why not check into a luxuriously appointed guest room or suite, or indulge on the 36th floor at Blu Horizon Bar and Altitude Restaurant, and you will earn Double Bonus Points when you spend $400 or more in a single transaction.

To book call 1800 222 448 or visit www.shangri-la.com

up to 2 bonus

pts per $1

ANZ Frequent Flyer Visa has over 1,000 Bonus Partner outlets, so this is only the start. To view a full Bonus Partner listing and contact details under the following categories visit www.anz.com/frequentflyerrewards:

> Travel Services > Accommodation > Car Rental and Automotive

> General Shopping > Entertainment > Utilities

> Home Services.

Meet some of our most popular Bonus Partners

How you earn points*Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Visa Reward Terms and Conditions (please call 13 22 73 for a copy). Limits apply to the number of points you can earn in a monthly statement cycle. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. A joining fee applies. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Points can take up to 4 months to appear on your statement.

Exiting Bonus Partners. Please note from 16 August 2007 you will no longer be able to earn Bonus Points at the following Bonus Partners on your ANZ Frequent Flyer Visa: Saville Hotels and Booze Bros.

ANZ Cards 13 22 73 www.anz.com

Qantas Frequent Flyer 13 11 31

Broome Essential Getaway

*Price is inclusive of the 1.4% that applies to the dollar amount paid by credit or charge card for land arrangements. Prices do not contain air fares. Price is per person twin share. Price is correct as at 11 May 2007 but may fluctuate due to changes in surcharges, fees and taxes. Valid for travel 1 July – 15 October 07. Offer ends 30 September 07, unless sold out prior. #Tour does not operate on Sunday. ^Tour operates Tuesday and Friday only. Price does not include airfares. Charges or taxes imposed directly by third parties are not included in the price. Availability is limited. Conditions apply. Note: Prior to quoting and booking we advise you to check prices and availability with Qantas Holidays Reservations.

Make the Most of your Qantas Frequent Flyer Membership this winter

Wilson Killer Whale TI Forged Driver

with Bonus Wilson Staff Dx2 Soft Golf Balls

$120 + 2,000 Points+ $11 delivery

If you like to unwind, Broome is your ideal getaway. Broome’s sense of style is captured in its heritage, unique architecture and bustling Chinatown. With an ideal climate and scenic beauty, Broome is the perfect place for a relaxing getaway.

From $1,110* per person twin share:

> 4 nights accommodation at Cable Beach Club Resort Broome in a Garden View Studio Double

> ‘Staircase to the Sun’ Hovercraft tour#

> 1 day 4WD Windjana Gorge and Tunnel Creek tour^

> Return transfers airport to resort.

Don’t forget to combine this offer with a Qantas airfare.

Plus earn 1 Bonus Point for every $1 you spend on your card.

Airport Luggage 4 piece set

$1�2 + �,200 Points+ $25 delivery

Just log onto qantas.com/store to check out the online catalogue.

For more information call Qantas Holidays on 13 14 15 or visit qantas.com/holidays

Sunbeam Back Massage Cusion

$�2 + �00 Points+ $14 delivery

Calphalon 3pc Set

with with Bonus Bake Ware and Bonus Travel Pack

$21� + �,�00 Points+ $20 delivery

1 bonus pt per $1

Delivery within Australia only. Delivery charge applies to each item purchased. The Qantas Frequent Flyer Store is operated by The Forum Organisation Pty Ltd (ABN 59 006 665 952) trading as Carlson Marketing Group (CMG). Offers valid from 1 July to 30 September 2007, or while stocks last.

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Use a combination of points and money and you’ll pay well below recommended retail price.