The ANZ Circle program is offered by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ). Please refer to ANZ's website (https://www.anz.com.au/promo/anz-circle) for details. ^Cashrewards is not exclusive to ANZ cardholders. Cashrewards is offered by Cashrewards and not ANZ. To earn cashback you must be a Cashrewards member. Eligibility criteria, exclusions and T&Cs apply. Visit the Cashrewards website for more information.

*Exclusive bonus offer terms and conditions

This promotion is open to Cashrewards members who are also ANZ or ANZ Plus customers (“Eligible Entrants”). To qualify for any bonus cashback under this promotion (each a “Bonus”), Eligible Entrants must shop online at any participating store set out in the table at the end of these Terms and Conditions (each a “Store”) using a Cashrewards platform between 12:00am AEDT 16 December 2024 and 11:59pm AEDT 31 January 2025 (“Promotional Period”) and spend at least the ‘minimum spend’ amount (including GST, but excluding delivery fees) corresponding to that Store, as set out in the aforementioned table, on any single transaction that is eligible for cashback (each a “Qualifying Purchase”). The Bonus to be awarded for a Qualifying Purchase will be the ‘bonus cashback’ amount corresponding to the associated Store as set out in the table at the end of these Terms and Conditions.

A Qualifying Purchase excludes the purchase of ineligible items as set out in the associated Store special terms or items with a 0% cashback rate at the time of purchase. For Woolworths Online, a Qualifying Purchase also excludes the purchase of any Everyday Market items. Any purchases that are returned or cancelled do not qualify for this promotion. Cashrewards Terms of Use (https://www.cashrewards.com.au/terms-and-conditions) apply to the use of the Cashrewards platform and any associated purchase. Each Bonus is limited to one per Cashrewards account per calendar day during the Promotion Period, and is over and above the advertised Store cashback rates which still apply to the transaction. A Bonus may also be used in conjunction with the Cashrewards Nifty Fifty bonus cashback promotion for eligible ANZ Plus customers or the welcome bonus cashback offer for eligible ANZ customers that may apply to the transaction. Where an Eligible Entrant completes a Qualifying Purchase, the corresponding Bonus will appear as ‘pending’ in the Eligible Entrant’s Cashrewards account by 28 February 2025. The Bonus will be approved in the Eligible Entrant's Cashrewards account by the end of the following month after the associated Qualifying Purchase is approved by the relevant Store (for example, if the Qualifying Purchase is approved in February 2025, the Bonus will be approved by 31 March 2025). Cashrewards reserves the right to verify a member’s eligibility as an ANZ or ANZ Plus customer with Australia and New Zealand Banking Group Limited (“ANZ”), and to disqualify any member who ANZ determines is not an ANZ or ANZ Plus customer or who Cashrewards determines has not met these terms and conditions. Where a member is disqualified, Cashrewards also reserves the right to cancel or reverse the payment of any bonus cashback that has already been made under this promotion. Fraudulent or other activity in violation of the Cashrewards Terms of Use (https://www.cashrewards.com.au/terms-and-conditions) will result in rewards being forfeited and Cashrewards member accounts closed.

†Welcome bonus offer terms and conditions

To be eligible for the bonus offer you must: (a) be an ANZ or ANZ Plus customer; (b) become a NEW Cashrewards member; and (c) make an individual qualifying transaction to a minimum of $20 (sale value is as reported to Cashrewards by the retailer and may not include GST, or other deductions) through Cashrewards within 7 days of opening your new member account. This offer is available once per person. Qualifying transactions do not include purchases of gift cards, Refer-a-friend bonus offers or any other new member promotions. The bonus will only be payable when cashback for the qualifying transaction is approved by the retailer; if you return or cancel your order, the transaction will not be eligible for this offer. The bonus may not apply to purchases where a cashback claim is raised and needs to be investigated. In this instance, the bonus cashback is only payable if the investigation confirms that the member has made a qualifying purchase. The bonus cashback will be paid into your Cashrewards account. Only one Cashrewards account per person is allowed. Cashrewards will decline transactions and close all accounts including any associated accounts of members in violation of Cashrewards Terms & Conditions (https://www.cashrewards.com.au/terms-and-conditions). This offer may be withdrawn at any time and is subject to change.