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ANZ Rewards Black Credit Card

The ANZ Rewards Black Credit Card offers 180,000 extra ANZ Reward Points. Ongoing benefits include ANZ Reward Points earned on eligible purchases, and complimentary travel insurance.


Updated 10 December 2024


Fact checked and verified. Updated 10 December 2024
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Expert Review

The ANZ Rewards Black credit card is ANZ's premium ANZ Rewards product. Featuring a relatively high points earn rate which is ANZ's highest and uncapped, the card provides premium features such as insurances. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 5% for earning $100 back in value, such as on a gift card, for an average spend of $5,000 per month. Further, the product has a $375 annual fee, including up to 44 interest free days.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products.

Extra Points and $150 back to your new card.
For a limited time the ANZ Rewards Black credit card has a bonus ANZ Reward Points offer, where you could receive 180,000 extra ANZ Reward Points in the first year. Plus, the product has a $150 back to your new card offer. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
Our highest Reward Points earning potential, uncapped flexible rewards, plus access to exclusive events and privileges."
- ANZ
Rewards

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Earn ANZ Reward Points

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2points per $1 spent up to $5,000, then 1 per statement

Fees
Account Fees

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$320 annual account fee

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$55 rewards fee

Additional Cardholder Fees

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$10 additional cardholder fee

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$55 additional cardholder rewards fee

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Up to 9 additional cardholders

Transaction Fees

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3.00% international transaction fee

Other fees may apply.

Rates

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20.99% p.a. variable purchase rate

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21.99% p.a. variable cash advance rate

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Up to 44 interest free days on purchases

Features
Insurance

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International Travel Insurance

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Domestic Travel Insurance

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Rental Vehicle Excess in Australia Insurance

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Extended Warranty Insurance

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Purchase Protection Insurance

Offers
Extra ANZ Rewards Points Offer

180,000extra points

$150back to your new card

180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval. New Rewards card. T&Cs, eligibility and spend criteria, fees and charges apply. (including an annual fee, currently $375).
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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the ANZ website.

Alternative Credit Cards
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^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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