Your Bonus Partner Guide

Where to startearning points fast

Valid from 21 June to 31 October 2003

Your Bonus Partner Guide

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WelcomeThis brochure explains how you can earn more Qantas Frequent

Flyer points with the Qantas ANZ Visa Card. Please take a

moment to read about how and where you can earn points faster.

Earning and enjoying your points 3

Some of our most popular Bonus Partners 4

ANZ 6

Qantas 7

Our Bonus Partners by category

Automotive 8

Business services 8

Car rental 9

Fashion and footwear 9

General shopping 11

Home services 12

Hotels and resorts 13

Insurance services 15

Restaurants 16

Sports, health and fitness 19

Travel and leisure 20

Telecommunications 22

Terms and Conditions 24

This guide is accurate as at 21 June 2003 and is subject to

change. Please call 13 22 73 for any updates.

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Earning and enjoying your pointsIt’s so simpleYour Qantas ANZ Visa Card earns you Qantas Frequent Flyer

points, which are simply credited to your Qantas Frequent Flyer

membership account.

Please remember, you need to be a Qantas Frequent Flyer to earn

Qantas Frequent Flyer points. To join, call 13 11 31 or join online

at qantas.com. Membership is $82.50 and is subject to the

Terms and Conditions of the Qantas Frequent Flyer program.

Here’s how your points take offIt’s simple! You earn Qantas Frequent Flyer points* on all purchases

you make with the Card (excluding cash equivalent transactions):

• In Australia, you earn one point per dollar spent on purchases

on your Card.

• For fast earnings, use your Card at our Bonus Partners

throughout Australia, and earn bonus points.

• Overseas, you earn two points per Australian dollar spent

on purchases in foreign currencies on your Card.

• Use your Card to purchase flights from Qantas and earn

points twice. That’s two points per dollar spent on your

Card, plus your standard points for flying as a Qantas

Frequent Flyer.

• More Cards mean more points. You also earn points on

purchases made by your Additional Cardholders.† These points

are credited to the Account Holder’s Qantas Frequent Flyer

account, which means you can fly faster.

* Points accrue in accordance with the Qantas ANZ Credit Card Reward Terms and Conditions(see page 24). Cash equivalent transactions include cash advances or the purchase oftravellers cheques or gaming chips. For overseas transactions, two points accrue on thevalue of the transaction in Australian dollars after foreign currency conversion (excludesKiribati, Nauru and Tuvalu).

† Annual fee applies per additional card issued, call ANZ on 13 22 73.

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Meet some of our most popularBonus Partners

Novotel Hotels and Resortscall 1300 656 565total points per dollar 2

Harvey World Travelcall 132 757total points per dollar 2

Hertz 13 30 39total points per dollar 2

DFS Galleria (NSW, QLD)call 1800 789 780total points per dollar 2

Avis call 13 63 33total points per dollar 2

Flag Choice Hotels call 13 24 00total points per dollar 2

HMV Music Stores (NSW, QLD, VIC)call (02) 9922 0500total points per dollar 2

MBFcall 132 623total points per dollar 2

Mobilcall 1800 631 296for participating outletstotal points per dollar 7 per $5

Goodyear Auto Service Centrescall 13 23 43total points per dollar 2

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The Sebel (NSW, QLD, VIC, WA)www.mirvachotels.com.autotal points per dollar 2

Prouds The JewellersVisit Prouds todaytotal points per dollar 2

O’Brien – glass with carecall 13 16 16total points per dollar 2

Shoo Biz www.shoobiz.com.autotal points per dollar 2

Thrifty call 1300 367 227total points per dollar 2

Qantas flights purchasedfrom Qantas call 13 11 31total points per dollar 2

Retravision Pty Ltdwww.retravision.com.autotal points per dollar 2

Radisson Hotels & Resortscall 1800 333 333total points per dollar 2

Travelscenecall 13 13 98 for participating outletstotal points per dollar 2

WridgWays The Removalistswww.wridgways.com.autotal points per dollar 2

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And that’s only the start...

Car Insurancecall 1300 552 253total points per dollar 2

Home and Residential InvestmentProperty Insurancecall 1800 062 660total points per dollar 2

Travel Insurancevisit your local ANZ branch or call 1800 062 660total points per dollar 2

Car Finance from Esanda call 13 22 07∞total points (once only maximum allocation) 10,000

Selected Home Loansø

call 1800 035 500total points (once only maximum allocation) 7,500

See page 27 for further information on ANZ products.

∞ Bonus points will be earned for each new finance contract equal to or more than $20,000 entered into and drawn down by a Cardholder.

ø Full Loan Approval Fee must be paid.

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Qantas domestic flights purchased from Qantascall 13 11 31total points per dollar 2

Qantas international flightspurchased from Qantascall 13 11 31total points per dollar 2

Qantas Travelvisit Qantas Travel todaytotal points per dollar 2

Qantas Holidayscall 13 14 15total points per dollar 2

Membership of The Qantas Clubcall 13 11 31total points per dollar 2

Qantas Frequent Flyer membershipcall 13 11 31total points per dollar 2

Qantas Inflight Duty Free (QBoutique)Onboard Qantas operated international flightstotal points per dollar 2

Red e-Deals, Domestic Internet specialsqantas.comtotal points per dollar 2

Global Deals, International Internet specialsqantas.comtotal points per dollar 2

See page 26 for further information on Qantas products.

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AutomotiveAMGAS (WA)call 1800 631 296ˆtotal points per $5 7

Braketech (Oakleigh,VIC)call (03) 9568 1000total points per dollar 2

Goodyear Auto Service Centrescall 13 23 43total points per dollar 2

Jacksons Auto Repairs (Adelaide, SA)call (08) 8376 0899total points per dollar 2

Mobilcall 1800 631 296ˆtotal points per $5 7

Parts Pluswww.partsplus.com.autotal points per dollar 2

Quix Service Stationscall 1800 631 296ˆtotal points per $5 7

O’Brien – glass with carecall 13 16 16total points per dollar 2

Business ServicesAbbott Printers & Stationers (Adelaide, SA)call (08) 8340 3244total points per dollar 2.5

ACP Magazine Subscriptionscall 136 116total points per dollar 2

Cenvet – wholesalers of veterinary suppliescall (02) 9433 1300total points per dollar 2

ˆ Participating outlets only.ˆ Participating outlets only.

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Pink Panther Corporate Print (Sydney, NSW)call (02) 9630 0755total points per dollar 2

Retravision Pty Ltdwww.retravision.com.autotal points per dollar 2

V.I.P. Home Servicescall 132 613total points per dollar 2

WridgWays The Removalists (Nationwide)www.wridgways.com.autotal points per dollar 2

Car RentalAVIScall 13 63 33total points per dollar 2

Hertzcall 13 30 39total points per dollar 2

Thriftycall 1300 367 227total points per dollar 2

Fashion and FootwearBaubridge & Kay (Sydney, NSW)www.bkay.com.autotal points per dollar 2

Brides of Piccadilly (Sydney, NSW)call (02) 9264 6562total points per dollar 2

Carters of Echuca (Echuca, VIC)Everything in fashiontotal points per dollar 2

Country Kids (Ballarat, VIC)call (03) 5331 2881total points per dollar 2

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Emporio Shoes (NSW, SA, VIC, WA)www.emporio.com.autotal points per dollar 2

Ferrari Men’s Formal Hire & Sales (Sydney, NSW)call (02) 9264 6574total points per dollar 2

He Shoes (NSW, SA, VIC, WA)www.heshoes.com.autotal points per dollar 2

Henry Buck’s Menswearwww.henrybucks.com.autotal points per dollar 2

Midas Shoes (NSW, QLD, SA, VIC, WA)www.midasshoes.com.autotal points per dollar 2

Mollini Shoes (NSW, QLD, SA, VIC, WA)www.mollini.com.autotal points per dollar 2

Scooter Shoes (NSW, QLD, SA, VIC, WA)www.scootershoes.com.autotal points per dollar 2

Shoo Bizwww.shoobiz.com.autotal points per dollar 2

Prouds The Jewellersvisit Prouds todaytotal points per dollar 2

Snowgumwww.snowgum.com.autotal points per dollar 2

Valleverde Shoes (Sydney, NSW)call (02) 9564 1155total points per dollar 2

Williams the Jewellers (Sydney, NSW)call (02) 4940 0300total points per dollar 2

Zena Jewellers (Sydney, NSW)total points per dollar 2

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General ShoppingAudio Junction (Hamilton, NSW)call (02) 4962 1490total points per dollar 2

Booze Bros (SA)visit Booze Bros todaytotal points per dollar 2

Computer Best Buyscall 1800 636 171total points per dollar 2

DFS Galleria (Cairns, Gold Coast, Sydney)call 1800 789 780total points per dollar 2

Duncan’s Liquor (VIC)call (03) 9581 5777total points per dollar 2

HMV Music Stores (NSW, VIC, QLD)call (02) 9922 0500total points per dollar 2

HomeGourmet (Sydney, NSW)www.homegourmet.com.autotal points per dollar 2

James Dominguez Cellars (Sydney, NSW)call 1300 735 528total points per dollar 2

Quix Service Stationscall 1800 631 296ˆtotal points per $5 7

Retravision Pty Ltdwww.retravision.com.autotal points per dollar 2

Rizzo’s House of Linen (Melbourne, VIC)call (03) 9842 1199total points per dollar 2

Roses Onlycall 1300 767 376total points per dollar 2

ˆ Participating outlets only.

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Sleep City NSWcall (02) 9756 1611total points per dollar 2

Telefloracall 1800 335 040total points per dollar 3

Visa Preferred Seating®

www.visa.preferredseating.com.autotal points per dollar 2

Watches of Switzerland (NSW, WA, QLD, VIC)www.watchswiss.comtotal points per dollar 2

Home ServicesAmber (QLD, NSW, ACT)www.ambertiles.comtotal points per dollar 2

Beavis Hire (Maitland, NSW)call (02) 4933 7699total points per dollar 2

Faraday & Kent Home Painting (Sydney, NSW)call (02) 9816 3200total points per dollar 2

Hargraves Nursery Land (Dural, NSW)call (02) 9651 1833total points per dollar 2

Lawrence Dry Cleaners (Sydney, NSW)call (02) 9791 0977ˆtotal points per dollar 2

PABS Furniture Rentals (NSW, SA, QLD, VIC)call 1800 20 10 20total points per dollar 2

Parkers of Turramurra (Turramurra, NSW)call (02) 9487 3888total points per dollar 2

Special Lights (Sydney, NSW)www.speciallights.com.autotal points per dollar 2

ˆ Participating outlets only.

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V.I.P. Home Services◊call 132 613total points per dollar 2

WridgWays The Removalists (Nationwide)www.wridgways.com.autotal points per dollar 2

Hotels and ResortsAll Seasons Hotels and Resortscall 1300 656 565total points per dollar 2

Avillion Hotel, Sydneycall 1800 838 830total points per dollar 2

Bayview on the Park (Melbourne, VIC)call (03) 9243 9999total points per dollar 2

Chancellor Inn (Scamander & Burnie, TAS)call 1800 753 379total points per dollar 2

Chancellor Resort (Hope Harbour, QLD)call 1800 753 379total points per dollar 2

Citigate Sebel (Sydney, NSW)call 1800 024 231total points per dollar 2

Clarion Hotels, Suites and Resortscall 13 24 00total points per dollar 2

Comfort Inns, Suites and Resortscall 13 24 00total points per dollar 2

Crown Towers* (Melbourne, VIC)call (03) 9292 6666total points per dollar 2

Cypress Lakes Resort (Hunter Valley, NSW)call 1800 061 818total points per dollar 2

◊ Services available vary by location.* See page 27 for further information on Crown Towers.

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Eden on the Park (Melbourne, VIC)call (03) 9250 2222total points per dollar 2

Flag Inns and Hotelscall 13 24 00total points per dollar 2

Hotel Grand Chancellor (TAS, QLD, VIC, WA)call 1800 753 379total points per dollar 2

Hyde Park Plaza Suites (Sydney, NSW)call 1800 222 442total points per dollar 2

Kangaroo Island Seafront Hotel (Penneshaw, SA)call 1800 624 624total points per dollar 2

Mercure Hotels, Inns and Resortscall 1300 656 565total points per dollar 2

Novotel Hotels and Resortscall 1300 656 565total points per dollar 2

Park Plaza Internationalcall 1800 991 300total points per dollar 2

Quality Hotels, Inns, Suites and Resortscall 13 24 00total points per dollar 2

Quay Grand Suites (Sydney, NSW)call 1800 091 954total points per dollar 2

Quay West Suites (NSW, VIC, QLD)www.mirvachotels.com.autotal points per dollar 2

Radisson Hotels & Resortscall 1800 333 333total points per dollar 2

Rendezvous Observation City Hotel (Perth, WA)call 1800 067 680total points per dollar 2

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Saville Hotel Groupcall 1300 557 575total points per dollar 2

Savoy – The Chancellor (Hobart, TAS)call 1800 753 379total points per dollar 2

Shangri-La Hotel (The Rocks, NSW)call (02) 9250 6000total points per dollar 2

Sofitel Hotels and Resortscall 1300 656 565total points per dollar 2

The Como (South Yarra, VIC)call 1800 033 400total points per dollar 2

The Geographe Bayview Resort (Busselton, WA)call (08) 9755 4166total points per dollar 2

The Sebel Hotels and Resorts (NSW, VIC, QLD, WA)www.mirvachotels.com.autotal points per dollar 2

The Sydney Boulevardcall 1800 671 222total points per dollar 2

Yelverton Brook Luxury Eco Retreat (Margaret River, WA)www.yelvertonbrook.com.autotal points per dollar 2

Insurance ServicesACE Insurance Limitedcall 1800 815 675total points per dollar 3.5

MBFcall 132 623total points per dollar 2

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RestaurantsThe Coffee Club (ACT, NSW, NT, QLD, SA, VIC)www.wherewillimeetyou.comtotal points per dollar 2

NSW

ARIA Restaurant (Sydney)call (02) 9252 2555total points per dollar 2

Blue Dragon Restaurant (Northmead)call (02) 9683 3165total points per dollar 2

Café Gioia (Leichhardt)call (02) 9564 6245total points per dollar 2

Cafe Sydney (Sydney)call (02) 9251 8683total points per dollar 2

Casuarina Restaurant and Country Inn (Pokolbin)call (02) 4998 7888total points per dollar 2

Darcy’s Restaurant (Paddington)call (02) 9363 3706total points per dollar 2

Imperial Harbourside Restaurant (Sydney)call (02) 9247 7073total points per dollar 2

L’Unico Restaurant (Balmain)call (02) 9810 5466total points per dollar 2

Oatlands House (Oatlands)www.oatlands-house.com.autotal points per dollar 2

Oh! Calcutta! (Darlinghurst)call (02) 9360 3650total points per dollar 2

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Royal Oak Hotel (Balmain)call (02) 9810 2311total points per dollar 2

Scratchleys (Newcastle)call (02) 4929 1111total points per dollar 2

Waterfront Restaurant (Sydney)call (02) 9247 3666total points per dollar 2

Wolfie’s Restaurant Grill (Sydney)call (02) 9241 5577total points per dollar 2

QLD

Cafe China (Cairns)call (07) 4041 2828total points per dollar 2

Kani’s Seafood and Steak Restaurant (Cairns)call (07) 4051 1550total points per dollar 2

Montezuma’s (Surfers Paradise)call (07) 5538 4748total points per dollar 2

Mt Coot-tha Summit Restaurant (Mt Coot-tha)call (07) 3369 9922total points per dollar 2

Pancakes In Paradise (Surfers Paradise)call (07) 5592 0330total points per dollar 2

Pancakes In Paradise (Coolangatta)call (07) 5536 8077total points per dollar 2

Red Ochre (Cairns)call (07) 4051 0100total points per dollar 2

The Aztec Broadbeach (Broadbeach)call (07) 5538 8477total points per dollar 2

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The Aztec Coolangatta (Coolangatta)call (07) 5599 2748total points per dollar 2

SA

Casa Mia Restaurant (North Adelaide)call (08) 8267 2410total points per dollar 2

Cork and Cleaver at the Bay (Glenelg)call (08) 8376 1066total points per dollar 2

Cork and Cleaver Glenunga (Glenunga)call (08) 8379 8091total points per dollar 2

Jarmers Restaurant (Kensington)call (08) 8332 2080total points per dollar 2

Radisson Playford Restaurant (Adelaide)call (08) 8213 8844total points per dollar 2

Tiffins on the Park Restaurant (Adelaide)call (08) 8271 0444total points per dollar 2

VIC

Fishermen’s Pier (Geelong)call (03) 5222 4100total points per dollar 2

Shark Fin Inn (Burswood)call (03) 9886 5777total points per dollar 2

Shark Fin Inn (Keysborough)call (03) 9798 8788total points per dollar 2

Shark Fin Inn (Melbourne)call (03) 9662 2681total points per dollar 2

Shark Fin Restaurant (Melbourne)call (03) 9663 1555total points per dollar 2

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WA

Friends Restaurant (Perth)call (08) 9221 0885total points per dollar 2

Sails Seafood Restaurant (Fremantle)call (08) 9430 5151total points per dollar 2

The Red Herring (East Fremantle)call (08) 9339 1611total points per dollar 2

Sport, Health and FitnessAdrenalin (Nationwide)www.adrenalin.com.autotal points per dollar 2

Bumps Snow Surf Skate (Elsternwick,VIC)www.bumps.com.autotal points per dollar 2

Clarence St Cyclery (Sydney, NSW)call (02) 9299 4962total points per dollar 2

Marmong Cove Marina (Marmong Point, NSW)call (02) 4958 3333total points per dollar 2

Natural Alternative – The Vitamin People (Bris, QLD)call (07) 3212 8612total points per dollar 2

Redcliffe Cycles (Brisbane, QLD)call (07) 3203 4851total points per dollar 2

Snowgum (ACT, NSW, SA, TAS, VIC, WA)www.snowgum.com.autotal points per dollar 2

Strathpine Bicycle Centre (Brisbane, QLD)www.bicyclecentre.comtotal points per dollar 2

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Surf Space (Sydney, NSW)call (02) 9884 7033total points per dollar 2

The Surf Shop (Gateshead and Broadmeadow, NSW)call (02) 4920 8080 or (02) 4957 5777total points per dollar 2

Vitaminzonewww.vitaminzone.com.autotal points per dollar 2

Travel and leisureAVIScall 13 63 33total points per dollar 2

Barossa Wine Train (Barossa Valley, SA)call (08) 8212 7888total points per dollar 2

Compass Duty Free (Perth, WA)call (08) 9321 1433total points per dollar 2

Currumbin Wildlife Sanctuary (Gold Coast, QLD)call (07) 5534 1266total points per dollar 2

DFS Galleria (Cairns, Gold Coast, Sydney)call 1800 789 780total points per dollar 2

Gateway Duty Free (Perth, WA)call (08) 9321 4586total points per dollar 2

Harvey World Travelcall 132 757total points per dollar 2

Hertzcall 13 30 39total points per dollar 2

Jetport Security Parking (Tullamarine, VIC)call (03) 9330 1744total points per dollar 2

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Proud Australia Nature Cruises (River Murray, SA)call 1800 677 683total points per dollar 2

Snowgumwww.snowgum.com.autotal points per dollar 2

Sydney Airport Long Term Car Park (Mascot, NSW)www.sydneyairport.comtotal points per dollar 2

Thriftycall 1300 367 227total points per dollar 2

Travelscenecall 13 13 98ˆtotal points per dollar 2

ˆ Participating outlets only.

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TelecommunicationsTelstra§

Pay your Telstra MobileNet®

account directly to TelstraDirect Debit 018 018 111 Pay by Phone 1300 369 666Online www.telstra.com.au/billingtotal points per dollar 2

Pay your Telstra MobileNet®

Pre-paid account directly to TelstraMobileNet Pre-Paid 018 018 848total points per dollar 2

Pay other Telstra accounts directly to TelstraPay by Phone 1300 369 666 Telstra Shop 13 1800Online www.telstra.com.au/billingtotal points per dollar 2

Internet AccessTelstra BigPond™Home 1800 804 282or visit www.bigpond.com.autotal points per dollar 2

Purchases at participating Telstra ShopsSelected telecommunication products, software, digital camerascall 13 1800 for participating outletstotal points per dollar 2

Fone Zonewww.fonezone.com.autotal points per dollar 2

Retravision Pty Ltdwww.retravision.com.autotal points per dollar 2

§ Points are not earned for Telstra accounts paid by the BPAY® scheme or at Australia Post. Bonuspoints are earned on a maximum of $25,000 spent with Telstra, on participating products, perCard account per annum. See page 27 of this guide for further information.

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Qantas ANZ Credit Card RewardTerms and Conditions(effective from 21 June until 31 October 2003)

Definitions and Interpretations(1) In these terms and conditions the following words have the meanings set out below,

unless the context requires otherwise.‘Account Holder’ means the person in whose name a Card account is kept and who isresponsible for all transactions on the Card account.‘Additional Cardholder’ means a person to whom a Card is issued, at the request of theAccount Holder and who is authorised to transact on the Card account.‘ANZ’ means Australia and New Zealand Banking Group Limited (ABN 11 005 357 522).‘BPAY®’ means BPAY® Pty Ltd (ABN 69 079 137 518).‘Bonus Partner’ includes Qantas and any person who enters an agreement with Qantas inrelation to the provision of Bonus Points to Account Holders and may include ANZ.‘Bonus Partner Guide’ means the guide published by or on behalf of Qantas from time totime setting out the Bonus Points which will be received as a result of acquiring qualifyingproducts or services from Bonus Partners.‘Bonus Points’ means the extra Points that are earned in respect of the acquisition ofqualifying goods and services from Bonus Partners in addition to the standard one Point perdollar charged to the Card.‘Card’ means a Qantas ANZ credit card issued by ANZ which is a:

(a) Visa Classic Card;(b) Visa Gold Card; or(c) other credit card notified to the relevant Account Holders by Qantas as being a card

to which these terms and conditions relate.‘Cardholder’ means, in relation to a Card account, the Account Holderand each Additional Cardholder.‘Cash Equivalent Transaction’ means a transaction that is treated as a cash advanceincluding, but not limited to, transfers from or to other financial institutions, foreign exchange,travellers cheque and gambling chip purchases, and utility bills paid in person at a bank orAustralia Post or any bills paid using the Card in conjunction with the BPAY® scheme (if thebilling merchant does not accept credit card payment using the BPAY® scheme).‘Point’ means a Qantas Frequent Flyer point added to or subtracted from a Points Record inaccordance with these Terms and Conditions.‘Points Record’ means a record established by ANZ in the name of an Account Holder for thepurpose of calculating the Account Holder’s Points entitlements.‘Points Summary’ means a report issued to an Account Holder, either as part of their regularcredit card statement or separately, detailing the Points Record for a given period, inaccordance with these Terms and Conditions.‘Qantas’ means Qantas Airways Limited (ABN 16 009 661 901) or any of its agents orcontractors from time to time.‘Qantas Frequent Flyer program’ means the frequent flyer program operated by or on behalfof Qantas.‘Telstra’ means Telstra Corporation Limited (ABN 33 051 775 556).‘You’ and ‘Your’ means the Account Holder.Other expressions used in these terms and conditions which are not defined here have thesame meaning as in the ANZ Credit Card Conditions of Use which are provided to the AccountHolder on opening a Card account. Copies of the ANZ Credit Card Conditions of Use areavailable from ANZ branches, at www.anz.com or by telephoning ANZ on 13 22 73.

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Reward Terms and ConditionsGeneral(2) Qantas may amend or terminate these terms and conditions and any terms and

conditions in the Bonus Partner Guide at any time without giving any reason.Qantas will notify Account Holders of changes to, or termination of, these termsand conditions in a manner determined by Qantas.

(3) Bonus Partners also reserve the right to make any changes, at any time without priornotice, to the goods or services in relation to which Bonus Points are awarded andthe number of Points which You will receive as a result of a Cardholder acquiring suchgoods or services.

(4) You will be bound by these terms and conditions and any terms and conditionsin the Bonus Partner Guide the first time Your Card account is used to acquire goodsor services.

(5) You will be bound by any amendment to these terms and conditions and any termsand conditions in the Bonus Partner Guide the first time Your Card account is used toacquire goods or services after the amendment, or after You have received noticeof the amendment, whichever first occurs.

(6) If You fail to comply with these terms and conditions or You or Your AdditionalCardholder give incorrect information to Qantas or ANZ, Qantas may cancel Pointsin your Points Record.

Use of Information(7) Qantas and ANZ may seek, collect, use, store or disclose for the following purposes

information about transactions or events resulting in Points being credited or debitedin your Points Record, information about the number of Points being credited or debited,information about the number of Points accumulated by You and any informationrelating to the Card, Card account, transactions on the Card account or related termsand conditions that You disclose to Qantas or ANZ. The purposes are:(a) administering the Card, Card account and these terms and conditions;(b) providing, performing or arranging for the provision or performance of services

relating to the Card, Card account and these terms and conditions; and(c) planning, research and the promotion and marketing (whether targeted, direct or

indirect) of goods, services and products of Qantas and ANZ and any other Bonus Partner.(8) By using the Card, each Cardholder specifically authorises Qantas, ANZ and Bonus

Partners, and any of their respective agents and contractors to seek access to, collectand use that information and disclose that information between themselves for theabove purposes, provided that no Bonus Partner (except Qantas and ANZ) will haveaccess to the Cardholder’s name and address.

(9) Each Cardholder may obtain access to stored information relating to that Cardholderand may obtain access to and correct that information by calling ANZ on 13 22 73.A fee may apply for this service.

(10) An outlet may cease to be a Bonus Partner, and additional outlets may become BonusPartners at any time.

(11) Qantas may cancel or suspend Points in a Points Record if the Card account is inarrears, suspension or default, or if the Card account is, or is reasonably suspectedby ANZ to be, operated fraudulently.

(12) Points in a Points Record at the time of death of the Account Holder will be cancelledand may not be claimed by any other person.

(13) Neither Qantas nor ANZ will be responsible for correspondence lost or delayed inthe mail. Any Points Summary or notice will be deemed to have been given tothe Account Holder if posted to the Account Holder’s mailing address.

(14) Neither Cards nor Points may be sold or transferred in any way.(15) Points are governed by and subject to the terms and conditions of the Qantas Frequent

Flyer program.(16) If ANZ closes Your Card account, ANZ will notify the Account Holder of such closure.(17) Use of the Card and Card account is governed by the ANZ Credit Card Conditions of Use.(18) Subject to clause 11, if ANZ or the Account Holder closes the Card account, Points will

continue to be awarded under these terms and conditions in relation to transactionsoccurring prior to the date of closure, provided that ANZ receives notice of thetransaction within 60 days after the date of closure. No Points will be awarded inrelation to transactions notified to ANZ after that date.

(19) If these terms and conditions are terminated, Points will continue to be awarded inaccordance with these terms and conditions in relation to transactions occurring priorto the date of termination, provided that ANZ receives notice of the transaction within90 days after the date of closure. No Points will be awarded in relation to transactionsnotified to ANZ after that date.

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Earning Points(20) (a) You must be a member of the Qantas Frequent Flyer program to earn Points.

A joining fee applies. Membership of the Qantas Frequent Flyer program is subjectto the terms and conditions of the Qantas Frequent Flyer program. Please referto qantas.com/frequentflyer or call the Qantas Frequent Flyer Service Centre on13 11 31 for a copy.

(b) Points earned by using Your Card or Card Account are credited to Your QantasFrequent Flyer program account after each statement period. Only whole Pointsare credited. Portions of Points are carried over until they can be credited aswhole Points.

(c) The number of Points earned in a given period appears on an Account Holder’sPoints Summary for that period, and may include Points that have not been creditedto a Qantas Frequent Flyer program account.

(d) Qantas Frequent Flyer points that are available to be redeemed appear in an AccountHolder’s Qantas Frequent Flyer program account.

(21) Except as specified in the exceptions below or as otherwise notified to You by Qantas,You will accrue Points relative to the number of Australian dollars charged, billed andpaid on the Card account.

(22) For overseas transactions, two Points accrue on the value of the transaction inAustralian dollars after conversion from the foreign currency amount. Two Pointsdo not accrue on purchases made in the Christmas Islands, Cocos (Keeling) Islands,Heard and McDonald Islands, Kiribati, Nauru, Norfolk Island and Tuvalu.

(23) Exceptions.(a) Points will not accrue in relation to interest charges, government charges, bank fees,

Card account adjustments resulting from disputed transactions or otherwise, cashadvances and Cash Equivalent Transactions. Points will not accrue in relation to useof the Telecard function of a Card unless Your Telecard is linked to the QantasFrequent Flyer program.

(b) Please ensure, by calling 13 22 73, ANZ has Your Qantas Frequent Flyer membershipnumber so that Points can be credited to Your Qantas Frequent Flyer account. If ANZhas not been notified of Your Qantas Frequent Flyer membership number within12 months after the date of opening Your Card account, You will be entitled to claimPoints only in relation to transactions made during the 12 months immediatelypreceding the date You notify ANZ of Your Qantas Frequent Flyer number. Points willnot accrue in relation to any earlier transactions.

(24) You will earn Bonus Points as a result of You or Your Additional Cardholder using a Cardor Your Card account to purchase qualifying goods or services from a Bonus Partnerin Australia. Qantas will, by agreement with Bonus Partners, determine which goods orservices are qualifying goods or services. These will be specified in the then currentBonus Partner Guide or other communication from Qantas.

(25) Bonus Partners other than Qantas and ANZ are not responsible for the management,operation or administration of the Qantas ANZ credit card rewards program.

(26) Points are awarded to Account Holders and not to Additional Cardholders.(27) Points may also be earned in relation to promotions and incentives offered by Qantas,

ANZ or other Bonus Partners from time to time.(28) Qantas may establish additional means of accruing Points.(29) When the Cardholder obtains a refund or reimbursement for charges previously incurred

(for example, for returned merchandise) a ‘credit’ is issued to the Card account in theamount of the reimbursement granted. Such credits posted to the Card account,including but not limited to those arising from returned goods or services, will reducethe Points accrued to the Card account in proportion to the adjustment.

(30) You will have no recourse against any Bonus Partner in respect of Points recorded inYour Points Record. There will be no compensation for Points which are cancelledor deemed by Qantas to have expired.

(31) Points will accrue approximately monthly based on the relevant Card account billingcycle which is dependent upon the calendar month and use of the relevant Cardor Card account in the previous month.

(32) Requests for missing Points must be notified to ANZ within six months after the relevanttransaction has appeared on the Account Holder’s credit card statement of account.Your request will be investigated and Qantas will be the final arbiter in the event of anydispute. Qantas may adjust Points Records at any time for any reason with or withoutnotice even though changes may affect Points already accumulated.

Qantas Bonus Points(33) You will earn Qantas Bonus Points when you use your Card to purchase goods and

services directly from Qantas in Australia (ie where Qantas, and not its agent, isidentified as the merchant on the credit card transaction). Bonus Points are not earnedon expenditure relating to Qantas Freight, Cargo, Staff Travel or goods and servicessupplied by Qantas Frequent Flyer program partners unless otherwise notified.

27

(34) Subject to clause 33, You will earn one Bonus Point for every dollar charged to the Cardwhen You or Your Additional Cardholder purchase from Qantas in Australia: Qantasflights, QBoutique duty free, Qantas Club membership, or goods and services from theQantas Shop. You will also earn one Bonus Point for every dollar charged to the Card forpurchases from Qantas Holidays and Qantas Travel.

Telstra Bonus Points(35) Telstra’s role in the Qantas ANZ credit card rewards program is only as a Bonus Partner.

Subject to clause 36 You will earn one Bonus Point for every dollar charged to the Cardfor any Telstra accounts up to a maximum of $25,000 per Card account per annum.

Please be aware that: (a) up to $10,000 of any Telstra account can be paid using the Telstra Pay by Phone or

Telstra online services in any seven day period; (b) one Bonus Point is earned per dollar charged to your Card when your Qantas ANZ

Visa Card is used to pay a MobileNetTM account at Telstra Shops or T Shops.(36) No Bonus Points are earned when a Qantas ANZ credit card is used:

(a) at licensed Telstra Shops at Garden City and Westfield Toombul in Queensland;Eastgardens and Crows Nest in New South Wales; and Ballarat, Highpoint, Malvernand Forest Hills in Victoria;

(b) to pay Telstra accounts using the Card or Card account at any Australia Post office oragency;

(c) in conjunction with BPAY® to make any credit card payment by phone or online toTelstra. No Bonus Points are earned if BigPondTM charges are billed directly to aTelstra phone account. Only Telstra MobileNet bills can be paid by direct debit to yourQantas ANZ credit card. No other Telstra bills can be paid by direct debit to your Card;

(d) to pay Big PondTM accounts at Telstra Shops. BigPondTM is a trademark of Telstra Corporation Limited ABN 33 051 775 556. MobileNet® is a registered trademark of Telstra Corporation Limited ABN 33 051 775 556.

ANZ Bonus Points(37) ANZ Home Loans

(a) When a Cardholder successfully applies for, and draws down, a Home Equity Loan,Standard Variable Home Loan, Variable Residential Investment Loan, Easy StartHome Loan or Easy Start Residential Investment Loan, the Account Holder willreceive 7,500 Bonus Points on settlement of the loan. The Cardholder must quotetheir Qantas ANZ credit card account number at the time of loan application for theAccount Holder to be eligible to earn Bonus Points.

(b) A maximum of 7,500 Bonus Points can be earned by any one Account Holder inrespect of ANZ Home Loans. Therefore, regardless of whether one or moreCardholders draws one or more loans, the total Bonus Points that will be earned byan Account Holder is 7,500 and only one Account Holder per loan can receive BonusPoints. Bonus Points are not earned in respect of a rollover of one loan for another ora change from a fixed to a variable rate loan. Bonus Points are only earned on theabove loans if a full Loan Approval Fee (LAF) is paid.

(38) ANZ Insurance(a) For an Account Holder to obtain Bonus Points for ANZ insurance products a

Cardholder must pay the initial and subsequent premiums using a Qantas ANZ creditcard account.

(b) Eligible insurances arranged through ANZ will attract Bonus Points on each premiumpayment (whether annually or monthly). Bonus Points will be earned at the rateshown in the Bonus Partner Guide from time to time.

(c) No Bonus Points are earned in the case of insurance products arranged by ANZthrough a licensed broker's representative.

(39) Esanda (a) Bonus Points will be earned by Account Holders for each finance contract equal to or

more than $20,000 entered into and drawn down by a Cardholder. Bonus Points arenot earned on existing contracts that are rolled into or replaced by another contract.

(b) Qantas ANZ credit card number must be quoted at the time of the initial applicationin order to receive these Bonus Points.

(c) Bonus Points are only earned by one Account Holder per finance contract approvedand drawn down.

(d) For an Account Holder to be eligible to earn Bonus Points, the Cardholder musttransact directly with Esanda and not through a broker, authorised Esanda motorvehicle dealer or any Esanda branch.

Crown Towers Bonus Points(40) Bonus Points are only earned on purchases made on your Card at Crown Towers as a

guest in-house including the Conservatory restaurant. Purchases made from the casinoor any other food or beverage outlet or entertainment complex are not eligible to earnPoints. A maximum of 10,000 Bonus Points can be earned on one transaction.

Australia and New Zealand Banking Group Limited ABN 11 005 357 522.Qantas Airways Limited ABN 16 009 661 901

50685 QF 1323 06/03

Qantas ANZ Visa Card

13 22 73For general enquiries about your Card,

24 hours, 7 days a week.

Qantas Airways Limited ABN 16 009 661 901

Australia and New Zealand Banking Group LimitedABN 11 005 357 522