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ANZ Rewards Black credit card

ANZ Rewards Black is our credit card with the highest ANZ Reward Points earn rate. The new card offer gives you:

80,000 ANZ Reward Points

if you spend $2,000 on eligible purchases in the first 3 months from approvalSuperscript: 1

$0 annual fee in the first year

(usually $375).Superscript: 1

 

Apply online now
 

New Rewards card. T&Cs, eligibility criteria, fees and charges apply.

This card’s for you if you’re after...

 

ANZ Reward Points

  • Earn 2 ANZ Reward Points for every $1 spent up to and including $5,000*
  • Earn 1 ANZ Reward Point for every $1 spent over $5,000*

(*per statement period, eligible purchases only)disclaimer

$15,000 minimum credit limit

and you expect you will be able to repay all or most of the closing balance each month

 interest rate

on purchasesdisclaimer 

$375 annual feedisclaimer

 

Things to consider

ANZ Rewards Black has:

  • a higher interest rate on purchases compared to the ANZ Low Rate card, so it might not be suitable if you only make minimum repayments over a prolonged period
  • a higher annual fee compared to the ANZ First card and the highest annual fee of all the ANZ Rewards cards
  • overseas transaction fees that apply.

What could 80,000 ANZ Reward Points get you?disclaimer

You could redeem them for one of the following:

 

Minimum $300 digital gift card

to use at one of our 25 leading retailers, including JB Hi-Fi, Endota Spa, Myer and Bunnings.

 

$320 ANZ Cashback

which can be used to either reduce your ANZ Rewards credit card balance or be credited to an eligible ANZ bank account.disclaimer

 

Airline partner points

to redeem as 40,000 Velocity Points, 26,500 Asia Miles or Singapore Airline KristFlyer Miles, or $400 Airpoint Dollars .disclaimer







Enjoy even more features

Uncapped ANZ Reward Points on eligible purchases,disclaimercertain transactions and other items are not eligible to earn ANZ Reward Points. For details refer to the ANZ Rewards - Rewards Program Terms and Conditions (PDF 122kB).disclaimer

Access to higher cashback offers at a range of retailers, when you join Cashrewards Max and link your ANZ Rewards credit card.disclaimer 

Complimentary insurances, including International and Domestic Travel Insurance, Rental Vehicle Excess in Australia, Extended Warranty Insurance and Purchase Protection Insurance. Terms, conditions, limits, exclusions and eligibility criteria apply.disclaimer

24/7 anti-fraud protection with ANZ Falcon security. If we identify any unusual transactions, we’ll contact you to help protect your money.

Compatibility with digital wallets, like Apple Pay, Google Pay, Samsung Pay and wearables like Fitbit and Garmin for easy tap and go.disclaimer

Make managing multiple debts easier by transferring your balances from non-ANZ credit and store cards to your existing ANZ credit card.

Rates and fees

Standard interest ratedisclaimer

on purchases

on cash advances

on balance transfers

Minimum credit limit

$15,000

Interest-free days on purchasesdisclaimer

Up to 55 
 

Number of cardholders

Up to 9

for an annual fee of $65 per additional cardholderdisclaimer 
 

Annual fee

$375

(includes $320 Annual Account Fee and $55 Rewards Program Service Fee)disclaimer

 

Who can apply?

Eligibility
 

To apply for an ANZ Rewards Black credit card, you’ll need to:
 

be 18 years of age or over

 

be an Australian or New Zealand citizen, permanent resident or have more than 9 months left on your visa

 

have a good credit rating

 

ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventure or an ANZ Rewards credit card in the last 12 months and meet all other offer eligibility criteria.

 

Not sure if you’re eligible? Call our credit card specialists on 13 22 73.

 

Get started online

Apply online

Apply online now

It only takes about 5 minutes.

You’ll need:

 

  • Details of your income, expenses, liabilities and assets
  • Proof of identity.

Credit Card Quick Start

Get started now

Start your application online. We’ll call you back within 2 business days to help you complete it. 

See our other Rewards cards

ANZ Rewards Platinum

I want an intermediate ANZ Rewards Point earn rate

See our Rewards card with an intermediate ANZ Rewards Point earn rate,disclaimerminimum credit limit of $6,000 and annual fee of $95.disclaimer
 

  • 50,000 ANZ Reward Points when you spend $1,500 on eligible purchases in the first 3 months from approvaldisclaimer 
  • Annual fee waived in the first yeardisclaimer 

See ANZ Rewards Platinum

New Rewards card, T&Cs, eligibility criteria, fees and charges apply.

ANZ Rewards Travel Adventures

I don’t want to pay international transaction fees on purchases overseas

See our Rewards card with no international transaction fees on purchases overseas (including online from international websites),disclaimer  intermediate ANZ Rewards Point earn rate,disclaimer $6,000 minimum credit limit, and current annual fee of $120.disclaimer

new card offer

  • 40,000 ANZ Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approvaldisclaimer 

See ANZ Rewards Travel Adventures

New Rewards card, T&Cs, eligibility criteria, fees and charges apply.

ANZ Rewards

I want a lower annual fee

See our Rewards card with the lowest annual fee ($80),disclaimer lowest minimum credit limit ($1,000) and lowest ANZ Reward Points earn rate.disclaimer

See ANZ Rewards

   

Choose the card for you

Compare each card’s features, considerations and fees – or, use our product selector tool to help you choose.

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Your questions answered

You can redeem your points on the ANZ Rewards website or over the phone, by calling the ANZ Rewards Centre on 1300 367 763, Monday to Friday, 8am to 8pm (AEST). 

You can redeem your ANZ Reward Points for:

You can check and redeem your ANZ Reward Points by logging in to the ANZ Rewards website.

ANZ Reward Points must be used to claim a reward within 36 months of 31 December of the year in which the Reward Points were added to a points record. Reward Points that remain unused after that period will be cancelled. In the event your ANZ Rewards account is closed, any Reward Points that remain unused must be used within 90 days of the date of closure. Reward Points that remain unused after that period will be cancelled.

Please refer to the ANZ Rewards – Rewards Program Terms and Conditions (PDF 102kB) for further conditions. We may also cancel Reward Points at our sole discretion if you die, if your card account is suspended, if you breach or any additional cardholder breaches the ANZ Rewards Terms and Conditions or the ANZ Credit Cards Conditions of Use or if we reasonably suspect you are operating your card account fraudulently.

Most every day purchases are eligible purchases.  Certain transactions and other items are not eligible to earn ANZ Rewards Points. Examples of transactions and other items which will not earn ANZ Reward Points are interest charges, fees, cash advances, cash equivalent transactions, balance transfers, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. For more details of transactions which are not eligible to earn ANZ Reward Points and how these transactions are identified please refer to the ANZ Rewards Program Terms and Conditions (PDF 123kB).

  

Connect with our specialists

Call us

Our team are available Monday to Friday from 8am to 8pm (AEST).

Call 13 22 73

Locate us

Find your nearest ATM or branch.

Book an appointment

Find a location or specialist

Get help with your application

We're here to answer your application questions and help you get started.

Request a callback

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

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Labels and Conditions available here for iOS (PDF 381kB) and here for Android (PDF 340kB) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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 extra 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 80,000 extra Rewards Points. Eligible purchases means purchases which are eligible to earn ANZ Rewards Points. Certain transactions and other items are not eligible to earn ANZ Rewards Points.  For details refer to the ANZ Rewards - Rewards Program Terms and Conditions (PDF 123kB). The extra 80,000 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 extra Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the extra 80,000 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. 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 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).

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ANZ Reward Points are earned and redeemed in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 123kB). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 123kB).

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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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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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Conversion calculation correct as at 2 December 2021. Conversion rates subject to change.  Please refer to ANZ Rewards for details of current rates.

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ANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Rewards or other ANZ account within 2 business days. Minimum Redemption thresholds apply.

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Minimum Redemption thresholds apply. To redeem ANZ Reward Points for frequent flyer points, airpoints or airmiles, you must be a member of the relevant program and an ANZ Rewards Account Holder. Refer to the relevant program terms and conditions for details: Velocity Member Terms and Conditions, KrisFlyer Terms and Conditions, Airpoints Terms and Conditions and Asia Miles. ANZ Reward Points are subject to ANZ Rewards – Rewards Program Terms and Conditions (PDF 87kB).

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Cashrewards Max customers who pay with their linked ANZ card may have access to higher cashback rates on selected offers compared to the standard Cashrewards program. Cashrewards Max is offered by Cashrewards and not ANZ. The Cashrewards account is not an ANZ account. Eligibility criteria, cashback redemption & withdrawal conditions and T&Cs apply.

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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 a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF 696kB) 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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Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung PayFitbit Pay and Garmin Pay.

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Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement of account in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF 428kB). Existing customers should review their credit contract for information regarding their account.

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ANZ will waive the overseas transaction fee on foreign currency transactions and transactions where the merchant or financial institution accepting the card is located outside Australia. ANZ will also waive the cash advance fee if you use your ANZ Rewards Travel Adventures account to withdraw actual cash from a branch or ATM located overseas, however you may incur interest on a cash advance unless the account is in credit (by at least the amount of the cash advance). A cash advance fee will apply to any other cash advances on your account. ATM operator fees may apply.

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Offer available to new and approved applicants who apply for an ANZ Rewards Travel Adventures 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 Black or ANZ Rewards Travel Adventures 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 $1,000 worth of eligible purchases within 3 months of approval to receive the 40,000 bonus Reward Points. Eligible purchases means purchases which are eligible to earn ANZ Rewards Points. Certain transactions and other items are not eligible to earn ANZ Rewards Points.  For details refer to the ANZ Rewards - Rewards Program Terms and Conditions (PDF 123kB). 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 Travel Adventures 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.

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Offer available to new and approved applicants who apply for an ANZ Rewards Platinum 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 extra 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 $1,500 worth of eligible purchases within 3 months of approval to receive the 50,000 extra Rewards Points. Eligible purchases means purchases which are eligible to earn ANZ Rewards Points. Certain transactions and other items are not eligible to earn ANZ Rewards Points.  For details refer to the ANZ Rewards - Rewards Program Terms and Conditions (PDF 123kB). The extra 50,000 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 Platinum credit card account before the extra Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the extra 50,000 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 $95 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 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).

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