In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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ANZ Rewards Black Credit Card

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ANZ Rewards Black Credit Card
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Terms and conditions apply
Bonus points
180,000
Purchase rate
20.99% p.a.
Reward points per $ spent
2
Annual fee
$375 p.a.

Our verdict

Offers a big 180,000 bonus ANZ Reward Points and $150 back, with a $375 annual fee.

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The ANZ Rewards Black earns the most points per $1 of any ANZ Rewards card, with 2 Reward Points per $1 on eligible purchases for the first $5,000 per statement period and 1 point per $1 after that. To give you an example of the value you can get from the 180,000 bonus points offer, you could redeem them for $800 worth of Woolworths WISH digital gift cards. Or transfer them to get 90,000 Velocity Points – enough for a return business class flight from Brisbane to Perth.

Pros

  • 180,000 bonus ANZ Reward Points
  • $150 back on your new card
  • Up to 2 ANZ Reward Points per $1 spent
  • Complimentary extras including travel insurance and a personal concierge

Cons

  • Charges a relatively high annual fee of $375 p.a.
  • 3% foreign transaction fee
  • Additional cardholder fee of $65 per card

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
From 7 June 2024, ANZ is making changes to its complimentary insurances for credit cards. For full details, please refer to the new insurance policy document from ANZ.

The ANZ Rewards Black is a premium credit card with features suited to big spenders and earners. If you apply as a new customer, you’ll earn 180,000 bonus ANZ Reward Points and get $150 back when you spend $3,000 on eligible purchases in the first 3 months from card approval. That’s enough for around $800 worth of gift cards.

Details

Product details

Product Name ANZ Rewards Black Credit Card
Balance transfer rate p.a. 21.99%
Balance transfer limit 95% of available limit
Purchase rate p.a.
Purchase rate p.a.
20.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $15,000
Card type Visa

Eligibility

Available to temporary residents Yes - Conditions apply
Joint application No

Rewards

Rewards program ANZ Rewards Program
Bonus points 180,000
Rewards points per $ spent 2

Fees

Annual fee
Annual fee
$375
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $20
Foreign currency conversion fee
Foreign currency conversion fee
3%
Cash advance fee 3% or $3, whichever is greater
Overseas cash advance fee 3% of the transaction amount or $4 (whichever is greater)
Overseas ATM withdrawal fee $5
Additional cardholder fee $65
Number of additional cardholders 9

Congratulations, ANZ!

ANZ Rewards Black Credit Card won the award for 'Rewards Credit Card' in the 2024 Product Awards.

Full list of 2024 winners

How to apply

If you've compared your options and picked the ANZ Rewards Black, you can apply online in around 20 minutes. Get started by checking that you meet the eligibility criteria listed below, as well as the documents and details you'll need to fill out the application.

Eligibility criteria

  • New cardholder. To earn the bonus points, you must be a new ANZ Rewards customer. This means you must not currently hold an ANZ Rewards Black, ANZ Rewards Platinum or ANZ Rewards credit card – and must not have opened or closed one of these accounts in the last 12 months.
  • Residency requirement. Citizens and permanent residents of Australia are eligible to apply. If you are a non-Australian permanent resident, you must have an eligible working or business visa with at least 9 months remaining.

Card benefits

  • Bonus points. Receive 180,000 bonus ANZ Reward Points when you spend $3,000 on eligible purchases within the first 3 months from card approval. The bonus points will be credited to your account within 3 months of meeting the spend requirement.
  • $150 back. You'll get $150 back to your new ANZ Rewards Black card when you apply, are approved and spend $3,000 on eligible purchases within the first 3 months.

Rates & fees

  • Annual fee. This card charges a $375 annual fee. This includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee.
  • Purchase rate. Unless you repay your balance before the end of the statement period, your purchases will collect interest at a rate of 20.99% p.a.

Your reviews

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Amy Finder

Editor

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James

November 06, 2023

Hi what income do you need for this card.

Cheers


Avatar

Amy Bradney-George Finder

November 06, 2023

Hi James,

ANZ doesn’t list a minimum income requirement for this card. But you will need to provide details of your income, expenses and other liabilities when you apply. As credit card providers in Australia have to consider your ability to repay the total limit over a 3-year period, it could also help to consider the minimum credit limit ($15,000 at the time of writing). Finder’s guide to credit card minimum income requirements also has further details if you’re interested. I hope this helps.


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dawn brown

October 30, 2023

going on a short 3 day cruise melbourne to adelaide. i am 79. will the insurance attached to the card cover me


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Amy Bradney-George Finder

November 03, 2023

Hi Dawn,

The domestic travel insurance on this card is only available if you have a return domestic flight booked as part of the trip, and may not be suitable cover for issues that arise on a cruise. If you want to discuss specific details of the cover, you can contact Allianz (the insurance provider) on 1300 135 271. You can also compare cruise travel insurance policies on Finder. I hope this helps.


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Garry

October 19, 2023

With the ANZ Rewards Black card , do any restrictions apply to the travel insurance if my wife has a pre existing illness ( cancer ) . She has now been clear for 18 months .


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Amy Bradney-George Finder

October 19, 2023

Hi Garry,

That’s an important question to ask before you travel. You can contact the insurance provider, Allianz, on 1300 135 271 to discuss this with them directly so that you have the most accurate information. I hope this helps.


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Aaron

October 05, 2023

Can I use the rewards black credit card to pay my mortgage every week?


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Amy Bradney-George Finder

October 06, 2023

Hi Aaron,

Your mortgage repayments should always be made using your own money, not credit. If your goal is to earn more points, Finder has a guide on a hands-on strategy for using a credit card and an offset account that may be of interest. If you’re experiencing mortgage stress and need help with your mortgage payments, talk to your lender about relief options. You can also speak to a financial counsellor for free by calling the National Debt Helpline on 1800 007 007.


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Linda

October 04, 2023

Hi Amy

I have an ANZ Rewards Black credit card, just wondering if I’m covered on a short domestic cruise, thanks.


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Amy Bradney-George Finder

October 04, 2023

Hi Linda,

If the trip includes a return domestic flight that was paid for with your ANZ Rewards Black, or if you meet the other requirements and have a return domestic flight ticket, it’s possible there may be some cover related to cancellations, additional expenses and delays. But it’s a good idea to check directly with the insurance provider, Allianz, by calling 1300 135 271 or using the online form at https://travel.agaassistance.com.au/anz/travel-insurance. I hope this helps.


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