skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Black credit cards

Interested in our highest uncapped earn potential, a range of complimentary insurances 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 insurances 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

75,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months, and $0 annual fee for the first yeardisclaimer

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

75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months and $0 annual fee for the first yeardisclaimer  

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 $89.50.disclaimer

ANZ Black credit card range features

Purchase and travel insurance

Complimentary insurance when you travel

You could be eligible for these complimentary insurances:

  • Overseas Travel and Medical Insurancedisclaimer provided by Allianz. You could save up to $775 on Overseas Travel and Medical Insurance (eligibility criteria apply)disclaimer.
  • Interstate Flight Inconvenience Insurancedisclaimer – peace of mind when you travel interstate in Australia on holiday for up to 14 days. 
  • Rental Excess Coverdisclaimer - reduces the excess when you hire a car from a major car rental company in Australia, at no extra cost.

Complimentary insurance for your shopping

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

  • Extended Warranty Insurancedisclaimer - double the manufacturer's expressed Australian warranty on major personal and household purchases by up to an additional 12 months.
  • Best Price Guarantee Schemedisclaimer - if you purchase personal goods in Australia and then find the same product advertised later in a printed catalogue at a cheaper price within 21 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is more than $75 and less than $300. 
  • 90-day Purchase Security Insurancedisclaimer - insurance against loss, theft or accidental damage on most personal items purchased for 3 months from the date of purchase. 

Reward yourself with pre-flight luxury

Access the comfort of participating airport lounges outside Australia at some of the world’s top travel destinations, including London, Dubai, Singapore and Bangkok.disclaimer

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

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 +61 2 8987 1677.


Want to compare our cards in more detail?

Go to our full comparison table

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB) (please call 13 13 14 for a copy). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB), e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points.

Back to top

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 or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases within three months of approval to receive the bonus Reward 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 booklet, for example fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Black credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. 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. The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year 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 additional cardholders an Additional Cardholder Fee of $10 and 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.

Back to top

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 $225 applies, which includes a $170 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.

Back to top

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

Back to top

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, e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes, 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.

Back to top

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 (PDF 336 kB) 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

Back to top

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 or where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases within three months of approval to receive the bonus Qantas Points. 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, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points. The bonus Qantas Points will be credited to your Qantas account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points. 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. The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year 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 an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as  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. 

Back to top

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.

Back to top

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

Back to top

Offers are only available to ANZ Frequent Flyer Black cardholders who are Australian residents and who purchase Qantas Club membership using their ANZ Frequent Flyer Black card. Offers are non-transferable and are not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. $497 saving in the first year is based upon a joining fee waiver and a discount to the standard one-year individual membership rate. The joining fee waiver is for a new one year individual Qantas Club membership purchased using an ANZ Frequent Flyer Black card by contacting the Qantas Frequent Flyer Service Centre on 13 11 31. Quoted joining fee savings are based on the joining fee for an individual Qantas Club membership application by an Australian resident. Different rates may be available for those with access to the Qantas Club Corporate scheme. The membership fee offer is for a one year individual Qantas Club membership which is purchased or renewed using an ANZ Frequent Flyer Black card by contacting the Qantas Service Centre. Quoted membership fee savings are based on the difference between the published corporate membership rate and the fee applicable to an individual Qantas Club membership held by an Australian resident. Only one joining fee waiver, and one membership fee discount per year, are available 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.

Back to top

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.

Back to top

The Overseas Travel and Medical Insurance master policy, the Transport Accident Cover master policy and Rental Excess Cover master policy (the Master Policies) are issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - Insurance booklet (PDF 366kB) - Part 1 Allianz Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

Back to top

This estimate is based on a couple/family purchasing a standard international annual multi-trip policy underwritten by Allianz without any customisation for pre-existing conditions or without taking into account any special conditions or requests as of 14 October 2017.

Back to top

Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience are part of a group policy issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the Premium Cards - insurances booklet (PDF 366kB).

Back to top

Complimentary access to participating airport lounges is available to eligible ANZ Rewards Black and ANZ Frequent Flyer Black cardholders. Participating airport lounges can be found on veloceloungesoutlets.com and are subject to change. To gain complimentary access, eligible cardholders must present their credit card and a current flight boarding pass in the same name at the participating lounge. For terms & conditions refer to the Complimentary Airport Lounge Access Program Terms and Conditions (pdf 63kb).

Back to top