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.
ANZ Rewards Black Credit Card
- 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.
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
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 44 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 winnersYour reviews
Amy Finder
Editor
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Richard Whitten Finder
October 07, 2024
Hi Jin,
If you are an existing ANZ card holder you may not quality for the bonus points. But you could still earn points when spending.
Jackie
June 20, 2024
Where can I find a list of the transactions that will earn points?
Sarah Megginson Finder
June 27, 2024
Hi Jackie,
There’s no list of transactions that are eligible, but generally the transactions that are NOT eligible include:
– gambling
– cash advances
– bank fees
– balance transfers
– interest payments
– refunded transactions
– government charges
– payments made to the Australian Taxation Office
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Retiree
April 02, 2024
I am reviewing our credit card (with another bank) and currently we do not receive any Rewards programs. Can I apply for your ANZ Rewards Black Credit Card, would be wanting 2 cardholders. We pay our credit card off each month and use it extensively. Our income is from a self managed superannuation fund.
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Sarah Megginson Finder
June 26, 2024
Hi there,
Your eligibility and chances of approval on this card depend on a range of factors, including your current debts, expenses and income. You’re best off contacting ANZ about your specific situation to see what your options are.
Best of luck!
James
November 06, 2023
Hi what income do you need for this card.
Cheers
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
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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Jin
October 03, 2024
Hi, May i ask if I can still get the rewards point with this card if I am holding a ANZ Frequent Flyer Black Visa Card? Thank you