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Using your ANZ Rewards Black credit card

Welcome to ANZ Rewards Black, the card with exclusive benefits and our highest Reward Points earning potential.

Getting the most out of your card

Here are some handy tips to help you get the most value from your ANZ Rewards Black card.


More ways to pay using your phone

Pay securely and easily using your phone with Apple Pay® or Android Pay™ anywhere you can tap and pay.

Make your everyday essentials count

By setting up recurring payments, such as utilities and telecommunications bills, you can get your hands on a wider range of rewards from the ANZ Rewards Store. Click here for a list of popular service providers and their contact details.

Earn Rewards Points

You can earndisclaimer:

  • 2 Reward Points per $1 spent on eligible purchases up to and including $5,000 per statement period
  • 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period

Additional cardholders for more Rewards Points

Add additional cardholders for an even faster way to accumulate points. An additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on your accountdisclaimer. Find out how to add additional cardholders.

Explore your benefits

Enjoy our highest Reward Pointsdisclaimerearning potential, the flexibility to redeem for a variety of rewards, entry to participating airport lounges outside Australiadisclaimer and access to exclusive events and experiences. And you could be eligible for a range of complimentary insurances.


Take advantage of your Personal Concierge

Looking for help with restaurant, hotel, entertainment bookings or travel recommendations? Look no further, your 24 hour/7 days a week personal concierge service can help. Call 1300 580 765 in Australia or, +61 2 8987 1677 if you're overseas.

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. Participating airport lounges can be found on veloceloungesoutlets.comdisclaimer

Access once in a lifetime experiences

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

Complimentary insurances for travel and shopping



Explore the world and your own backyard with freedom knowing you could be covered with our range of travel insurances including:

Read more about our range of available insurances

Shop with peace of mind, knowing you could have access to complimentary insurances when you shop using your ANZ Rewards Black card including:

Emergency information

We get it – accidents happen. Credit cards get lost, items get stolen. So we’ve compiled the most common emergency information in one place – just in case!

Claim on insurance

How to claim

Lost or stolen

Report lost or stolen card

Replacement card

Order a new card

Emergency numbers

View contact numbers


ANZ Internet Banking

Log in or Register (for new customers)
Go to the Accounts menu and select Activate ANZ card

ANZ goMoneydisclaimer

Log in or Download and Register (for new customers)

Select Activate Card within the menu


Call 1800 652 033 or
+61 3 8699 6996 from overseas anytime


Visit an ANZ branch
A staff member can help to activate it for you


ANZ Internet Banking 

Register for ANZ Internet Banking to manage your account.

ANZ goMoney

Download ANZ goMoney for easy banking on your mobile phone or device.

Sign up for eStatements

Log on to ANZ Internet Banking
Go to the 'Profile' menu
Select 'Change my statement preferences'
Choose 'Online only' for your accounts.
Learn more about online statements

Pay using your phone

Add your eligible ANZ card to your iOS device using Apple Pay via goMoney or Android device using Android Pay.

Manage credit card payments

Log on to ANZ Internet Banking
Choose the linked account to pay your ANZ Credit Card from.
Choose to make a one off payment or recurring credit card payments.

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. 

ANZ goMoney is provided by and is a trademark of ANZ.

™ 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.

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, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points.

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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 $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.

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions (PDF 948kB) (please call 13 13 14  for a copy). 

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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 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).

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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 QBE Insurance Australia Limited ABN 78 003 191 035 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 QBE 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.

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Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545 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).

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Card Activation only available for eligible cards and with goMoney version 3.4.x, iOS 9 or above (for iOS devices) or Android Operating System 4.0.3 or above (Android devices) is required.

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