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Earn 180,000 bonus Reward Points on your new ANZ Rewards Black credit card and $0 annual fee in the first year.disclaimer

Bonus Reward Points earned when you spend $2,000 on eligible purchases in the first 3 months from approval.disclaimer

View rates & feesApply now

It only takes around 5 minutes to apply.

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

ANZ Rewards black

Every point earned can lead to something wonderful

With ANZ Rewards, you’ll earn points for every dollar spent on eligible purchases to redeem for entertainment, gift cards, ANZ Cashback and more.disclaimer And for selected rewards, if you don’t have enough points, just pay the balance.

180,000 bonus Reward Pointsdisclaimer

When you spend $2,000 on eligible purchases in the first 3 months from approval.

$0 annual fee in the first yeardisclaimer

With your new ANZ Rewards Black card.

Redeem ANZ Reward Points

Redeem ANZ Reward Points for Velocity Frequent Flyer Points, Air New Zealand Airpoints Dollars, Singapore Airlines KrisFlyer miles or Asia Miles.disclaimer

Features and trade-offs

Features

  • Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement perioddisclaimer
  • A higher Reward Points earn rate compared to other ANZ Rewards cards
  • Uncapped ANZ Reward Pointsdisclaimer
  • 7 complimentary insurances including International Travel Insurancedisclaimer
  • Up to 55 days interest free on purchasesdisclaimer

Trade-offs

  • A higher interest rate on purchases compared to the ANZ Low Rate card
  • A higher annual fee compared to the ANZ First card and the highest annual fee of all the ANZ Rewards cards
  • Overseas transaction fees apply

Plus, you'll enjoy all this

See what your Reward Pointsdisclaimer can get you (when the time is right)

Get a $800 Gift Card from Bunnings, Woolworths, Myer, David Jones, JB HiFi, Coles or Kmartdisclaimerwith 180,000 Reward Points.disclaimer

Important numbersdisclaimer

Interest rates

Interest rate on purchases

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Interest rate on cash advances

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Interest rate on standard balance transfers

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Fees

 

Annual fee

$375disclaimer

Minimum credit limit

$15,000

Additional cardholders (at no additional cost)

Up to 9 ($65 annual fee per cardholder)disclaimer

Interest free period on purchases

Up to 55 daysdisclaimer

 

Earn 2 Reward Pointsdisclaimer

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

Earn 1 Reward Pointdisclaimer

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

Eligibility criteria

To apply, you need to

  • Be 18 years of age or over, and;
  • Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa.
  • Have a good credit rating. Find out more about Credit Reporting.
  • 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.

When applying, have these details 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.

   

Like the sound of this card?

Apply now

It only takes around 5 minutes to apply.

 

Not sure which credit card is right for you?

There are other awesome cards that may suit your needs.

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

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.

™ 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.

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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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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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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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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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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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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Gift card denominations and minimum values vary. T&Cs apply, see anzrewards.com.

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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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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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