What do the T&Cs say about where the promotion is based on the application or approval date? Put in an AFCA case regardless detailing the chronology of events, decent chance they honour the original promotion given the length of time between application and approval.
Cheers re AFCA, I will look into it / ChatGPT will!
Good point - It says "Offer available to new and approved applicants who apply for an ANZ Rewards Black Credit Card" on the new offer and ive assumed it was similar for the last.
Seems like its a confusing way to say apply and are approved