Connecting to better
ANZ Rewards Black Credit Card
Bonus Point
Interest Rates
160000
20.99
Reward Point
2
Annual fee
$375
Pros.
Earn up to 160,000 bonus ANZ Reward Points
Receive $100 cashback on your new card
Earn up to 2 ANZ Reward Points per $1 spent
Enjoy complimentary perks, including travel insurance and a personal concierge
Rated 9.34 in the rewards category by Finder
Cons.
Relatively high annual fee of $375 per year
3% foreign transaction fee on international purchases
$65 fee per additional cardholder
The ANZ Rewards Black is a premium credit card designed for high spenders and frequent earners. As a new customer, you can earn 160,000 bonus ANZ Reward Points and receive $100 cashback when you spend $5,000 on eligible purchases within the first 3 months of card approval—equivalent to $700+ worth of gift cards.
This card offers a high earn rate, giving you 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 point per $1 thereafter.
With benefits like complimentary purchase and travel insurance and a 24/7 personal concierge service, the card's perks can help offset the annual fee—but only if you take full advantage of them.
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.
20.99
Interest-free days
Up to 44 days on purchases
Cash advance rate p.a.
3% or $3, whichever is greater
Min credit limit
$15,000
Card type
Visa
Fees & Charges
Annual fee
$375
Minimum monthly repayment
21.99%
Late payment fee
$20
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)
Additional cardholder fee
$65
Number of additional cardholders
9
Eligibility
Available to temporary residents
Yes with conditions
Minimum income
N/A
Joint application
No
Rewards
Rewards program
2
Bonus points
160000
Rewards points per $ spent
2
Rewards points cap
2
How to Apply
If you've compared your options and decided on the ANZ Rewards Black, you can apply online in about 20 minutes. Before you begin, ensure you meet the eligibility criteria and have the necessary documents ready for the application.
Eligibility Criteria
New Cardholder: To qualify for the bonus points offer, you must be a new ANZ Rewards customer. This means you must not currently hold or have opened or closed an ANZ Rewards Black, ANZ Rewards Platinum, or ANZ Rewards credit card in the last 12 months.
Residency Requirement: Australian citizens and permanent residents can apply. Non-permanent residents must have at least 12 months remaining on an eligible working or business visa.
Eligible Balance Transfer Debt: ANZ allows you to transfer amounts between $100 and 95% of your approved credit limit from non-ANZ credit or store cards.
Age: Applicants must be at least 18 years old.
Credit History: A good credit rating is required for approval. You can check your credit score and report for free through Finder.
Required Documents
Personal Details: Provide your full name, email address, residential address, date of birth, marital status, number of dependents, and contact number. You’ll also need a valid form of ID, such as a driver’s licence number or passport.
Employment Details: Include your job title, years of employment, salary details, and employer’s contact information. If you are self-employed, provide details of your work and your accountant’s contact details. You may need to submit recent payslips or tax assessment notices as proof.
Financial Details: Disclose other income sources (e.g., superannuation or savings), along with details of investments, debts, existing credit accounts, and loans. You’ll also need to estimate regular household expenses, including rent or mortgage payments, bills, and groceries.
Card benefits
If you've compared your options and decided on the ANZ Rewards Black, you can apply online in about 20 minutes. Before you begin, ensure you meet the eligibility criteria and have the necessary documents ready for the application.
Eligibility Criteria
New Cardholder: To qualify for the bonus points offer, you must be a new ANZ Rewards customer. This means you must not currently hold or have opened or closed an ANZ Rewards Black, ANZ Rewards Platinum, or ANZ Rewards credit card in the last 12 months.
Residency Requirement: Australian citizens and permanent residents can apply. Non-permanent residents must have at least 12 months remaining on an eligible working or business visa.
Eligible Balance Transfer Debt: ANZ allows you to transfer amounts between $100 and 95% of your approved credit limit from non-ANZ credit or store cards.
Age: Applicants must be at least 18 years old.
Credit History: A good credit rating is required for approval. You can check your credit score and report for free through Finder.
Required Documents
Personal Details: Provide your full name, email address, residential address, date of birth, marital status, number of dependents, and contact number. You’ll also need a valid form of ID, such as a driver’s licence number or passport.
Employment Details: Include your job title, years of employment, salary details, and employer’s contact information. If you are self-employed, provide details of your work and your accountant’s contact details. You may need to submit recent payslips or tax assessment notices as proof.
Financial Details: Disclose other income sources (e.g., superannuation or savings), along with details of investments, debts, existing credit accounts, and loans. You’ll also need to estimate regular household expenses, including rent or mortgage payments, bills, and groceries.
Rates & fees
Annual Fee
A total of $375 per year, which includes:
$320 Annual Account Fee
$55 Rewards Program Service FeePurchase Interest Rate
A 20.99% p.a. interest rate applies to purchases if the balance is not paid in full by the statement due date.Interest-Free Days
Get up to 44 interest-free days on purchases when you pay your closing account balance in full by the due date.
If you have balance transfer plans, instalment plans, or buy now, pay later plans, you must pay the Adjusted Closing Balance (closing balance minus promotional plans) to be eligible for interest-free days.Foreign Transaction Fee
A 3% fee applies to transactions made overseas or with international online merchants.Additional Cardholders
Add up to 9 additional cardholders for a fee of $65 per cardholder.