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Black credit cards

Interested in our highest uncapped earn potential, a range of complimentary insurancesdisclaimer and more? Our ANZ Frequent Flyer Black and ANZ Rewards Black credit card accounts might be just the ticket.

Be rewarded for your everyday purchasesdisclaimer and access a flexible Rewards program with complimentary insurancesdisclaimer and Personal Concierge.

 

Qantas Points for ANZ Frequent Flyer Visa and American Express


Reward Pointsdisclaimer

per $1 spent on eligible purchases up to and including $5,000 per statement period


Reward Pointdisclaimer

per $1 spent on eligible purchases above $5,000 per statement period

OFFER

180,000 bonus Reward Points and $0 annual fee in the first year when you spend $2,000 on eligible purchases in the first 3 months from approval.disclaimer

New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $0 for the first year, $375 thereafter).

The important numbersdisclaimer

Total annual fee

$375disclaimer

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

PLUS

Uncapped Reward Points

Earn Reward Pointsdisclaimer for every dollar you spend on eligible purchases, without monthly limits

Our most rewarding Qantas experience with uncapped Qantas Pointsdisclaimer earning, Qantas Club privilegesdisclaimer access to exclusive events and travel benefits.

 

Qantas Points for ANZ Frequent Flyer Visa and American Express


Qantas Pointdisclaimer

per $1 spent on eligible purchases up to and including $7,500 per statement period

0.5 

Qantas Pointsdisclaimer

per $1 spent on eligible purchases above $7,500 per statement period

 

OFFER

Earn up to 130,000 Qantas Points. You’ll get 100,000 bonus Qantas Points and $255 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval and an extra 30,000 Qantas Points if you keep the card for over 12 months.disclaimer

New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425).  

The important numbersdisclaimer

Total annual fee

$425disclaimer

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

PLUS

Uncapped Qantas Points

Earn Qantas Pointsdisclaimer for every dollar you spend on eligible purchases, without monthly limits

PLUS

Travel in style

Get the comfort and style of Qantas Club Lounge access with two complimentary invitations a yeardisclaimer plus discounted first year membershipdisclaimer

PLUS

Qantas Frequent Flyer membership

Complimentary Qantas Frequent Flyer membership, a saving of $99.50.disclaimer

ANZ Black credit card range features

Purchase and travel insurance

Complimentary insurance when you travel

You could be eligible for these complimentary insurances:

Complimentary insurance for your shopping

You could be eligible for these complimentary insurances when you make eligible purchases on your card:

(Terms, conditions, limits, exclusions and eligibility criteria apply. Refer to the Premium Cards - Insurances, Insurance Policy Information booklet (PDF 276kB) for further information)

A 24/7 Personal Concierge

There’s a complimentary Personal Concierge 24 hours a day, to help you with restaurant or hotel bookings, gift ideas, travel recommendations and much more. Call the Personal Concierge on 1300 580 765  in Australia or, if you are overseas .


Once in a lifetime experiences

Be rewarded with Exclusives by ANZ, access to invitation only events. From entertainment to food and lifestyle, ANZ Black cardholders get access to an exceptional program of uniquely crafted, once in a lifetime experiences.

To learn more, visit: exclusives.anz.com

Want to compare our cards in more detail?

Go to our full comparison table

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Premium Cards – Insurances, Insurance Policy Information booklet which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. 

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Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet (or call 13 22 73 for a copy), e.g. fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points.

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Offer available to new and approved applicants who apply for an ANZ Rewards Black credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black credit card, or have closed, or qualified for bonus Reward Points or a credit back on, any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $2,000 worth of eligible purchases within 3 months of approval to receive the 180,000 bonus Rewards Points. Eligible purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards - Rewards Program Terms and Conditions (PDF 102kB), for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers, transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. The bonus Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Black credit card account before the bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid.

ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria. The annual fee will be waived in the first year. After the first year, an annual fee of $375 applies. This fee is current as at  and is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB), and ANZ Personal Banking General Fees and Charges (PDF 143kB).

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For details about all applicable fees & charges please refer to your Letter of Offer, ANZ Credit Cards Conditions of Use, ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.

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For ANZ Rewards, a total Annual Fee of $80 applies which includes a $25 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum, a total Annual Fee of $95 applies, which includes a $40 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total Annual Fee of $375 applies, which includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Travel Adventures, a total Annual Fee of $120 applies, which includes a $65 Annual Account Fee and a $55 Rewards Program Service Fee.  For additional cardholders on ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black and ANZ Rewards Travel Adventures, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only.

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Standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

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Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes and reversed or refunded transactions will not earn Points. Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.

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Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Complimentary Invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765. Qantas Club Complimentary Invitations will then be available via the Complimentary Invitations Portal, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use and the account remains open. Qantas Club Complimentary Invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas-operated International Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way and Qantas reserves the right to cancel invitations that are in breach of this policy. Invitations are valid for 12 months from date of issue. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on qantas.com/qantasclub. Access may not be available if the applicable lounge is full or near capacity at the full discretion of lounge staff. Access and use of Qantas Club lounges is subject to Qantas Club terms and conditions

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Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Black credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $3,000 worth of eligible purchases within three months of approval to receive the 100,000 bonus Qantas Points and have the $255 credited to your credit card account. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.67MB), for example fees, cash advances, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The 100,000 bonus Qantas Points will be credited to your Qantas account and the $255 will be credited to your credit card account within three months of the eligible spend criteria being met. The $255 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ.  The 30,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the first anniversary of card approval and the annual fee being charged. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the $255 credit and 100,000 bonus Qantas Points or the extra 30,000 bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $255 credit and 100,000 bonus Qantas Points or the extra 30,000 bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. You will become ineligible for the 30,000 bonus Qantas Points if the annual fee is not paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria. This offer is limited to one credit card application per Qantas Frequent Flyer member.

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For ANZ Frequent Flyer, a total Annual Fee of $95 applies which includes a $40 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Platinum, a total Annual Fee of $295 applies which includes a $240 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total Annual Fee of $425 applies which includes a $370 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders on an ANZ Frequent Flyer, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

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Standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

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Offer only available to ANZ Frequent Flyer Black cardholders who are Australian residents. Offer non-transferable and not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. Customers who are eligible for this offer and contact the Qantas Frequent Flyer Service Centre on 13 11 31 to renew or purchase a new standard one year individual Qantas Club membership using an ANZ Frequent Flyer Black card will receive a joining fee waiver and discount on their standard one-year individual membership rate for Australian residents. Please speak to the Qantas Frequent Flyer Service Centre for current discounts and pricing. Different rates may be available for those with access to the Qantas Club Corporate scheme. Only one joining fee waiver and one membership fee discount available per year, per cardholder. Qantas Club membership is subject to approval by Qantas and to the terms and conditions of The Qantas Club, available at qantas.com/qantasclub.

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This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the Qantas website. This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas.

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