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Earn 150,000 bonus Reward Points

with your new ANZ Rewards Black credit card

When you spend $4,000 on eligible purchases in the first 3 months from approval.disclaimer

T&Cs, eligibility criteria, fees and charges apply (including an annual fee currently $375).

Internet Banking offer

Apply now View rates & fees

It only takes around 5 minutes to apply.

ANZ Rewards Black

Our highest Reward Points earning potential, uncapped flexible rewards, plus access to exclusive events and privileges

Earn our highest amount of Reward Points for your everyday purchasesdisclaimer

Variety in reward options including gift cards, merchandise, cashbackdisclaimer and travel

Exclusives by ANZ, access to invitation only events

Features and benefits

Get the rewards you deserve

Take advantage of our highest Reward Pointsdisclaimer earning potential and have the flexibility to redeem for a variety of rewards including gift cards, merchandise, cashbackdisclaimer and travel. Don’t forget you could be eligible for a range of complimentary insurances, plus you'll get access to exclusive events and once-in-a-lifetime experiences.

 

Our most rewarding ANZ Rewards credit card

Our highest Reward Points earning potential

Earn Rewards Points on eligible purchases. Enjoy the convenience of 36 million locations around the world when using your ANZ Rewards Black Visa card.

ANZ Rewards Black earning points potential for American express and Visa

ANZ Rewards Black Visa

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

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

Once you start earning Reward Pointsdisclaimer, choose from hundreds of ANZ Rewards including travel options, entertainment, gift cards, shopping vouchers, merchandise and much more.

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.

Confidence when you travel and shop

Purchase and travel insurance

Complimentary insurancesdisclaimer when you travel

You could be eligible for these complimentary insurances:

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

Shop with extra security and confidence

  • ANZ Falcon™ provides round-the-clock transaction monitoring
  • You won't be liable for fraudulent transactions on your ANZ credit card with ANZ Fraud Money Back Guaranteedisclaimer
  • Worldwide emergency credit card replacement

 

Complimentary insurancesdisclaimer 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)

More reasons to choose ANZ Rewards Black

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.

Easy ways to bank

Make the everyday a little bit easier and do your banking on the go with the ANZ App. Plus, use your compatible smartphone or wearable device to tap and pay with an eligible ANZ carddisclaimer so you can continue to get the same great benefits and security. You can also use our Smart ATMs, ANZ Internet Banking and ANZ Phone Banking, or set up direct debit with CardPay Direct (PDF 64kB).

   

Get exclusive access to entertainment offers

You’ll get complimentary membership to Visa Entertainment, giving you access to special offers, ticket pre-sales and movie screenings.

  

Rates and fees

The important numbersdisclaimer

ANZ Rewards Black Visa

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

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

Interest rate on purchases

disclaimer

Interest rate on cash advances

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Interest rate on standard balance transfers

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Total annual fee $375disclaimer
Interest free days on purchases Up to 55 daysdisclaimer
Minimum credit limit $15,000
Additional cardholders Up to 9
for an annual fee of $65 per additional cardholderdisclaimer

Eligibility

Can I apply?

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

  • Be 18 years of age or over
  • Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa 
  • Ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Rewards Black, ANZ Rewards Platinum or an ANZ Rewards credit card in the last 12 months and meet all other offer eligibility criteria 
  • Have a good credit rating. Find out more about Credit Reporting

Details to have handy

  • Australian driver’s licence number (if you have one)
  • Details of your income, expenses, assets and liabilities
  • Two recent pay slips for income verification
  • If you’re self-employed, you’ll need your accountant’s phone number
  • Details of your living expenses, such as regular bills
  • ANZ account number or Customer Registration Number (if you have one)
  • Your email address

How to apply

Ready to be rewarded?

Apply now

It only takes around 5 minutes to apply.


For more information call 13 33 33 Mon to Fri, 8am to 8pm, Sat and Sun 10am to 6pm (AEST)

You don’t need to be an ANZ customer to apply for an ANZ credit card.
If approved, you may expect to receive your card within five business days.

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 Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB) (please call13 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), 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 Reward Points.

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When you redeem your Reward Points for ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black account within 5 business days.

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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 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 (PDF 276kB) 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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Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

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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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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 $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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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 518kB). Existing customers should review their credit contract for information regarding their account.

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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. Not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card, or have closed, or qualified for bonus Reward Points on, any of those ANZ Rewards credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $4,000 worth of eligible purchases within 3 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 (PDF 468kB), 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 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 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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