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ANZ Rewards Black (Get 75,000 Reward Points
when you spend $2,500 on eligible purchases within first 3 months of approval plus no annual fee for the first year)

ANZ Rewards Black (Get 75,000 Reward Points
when you spend $2,500 on eligible purchases within first 3 months of approval plus no annual fee for the first year)

Purchase Rate
18.79 %
p.a.




Cash Advance Rate 20.99% p.a.
Interest Free Up to 55 days
Annual Fee$375

  • Get 75,000 Reward Points when you spend $2,500 on eligible purchases within first 3 months of approval plus no annual fee for the first year.
  • Offer ongoing until further notice.
  • Unlimited access to participating airport lounges outside Australia.
  • Comprehensive overseas travel and medical insurance.
  • Personal Concierge can help you with travel planning, last minute travel advice, restaurant or hotel bookings, gift ideas, or even a recommendation on your next holiday.
  • Apple Pay®, Android Pay™, Samsung Pay™ and ANZ Mobile Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period,
  • then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
Rewards Points per Dollar 1 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio 0.44
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN* $10500

Lifetime of Points 36 months
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines 2,250 Reward Points for 1,000 Velocity Points
International Airlines
Conditions Reward Points and Bonus Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions (please call 13 13 14 for a copy). See T&Cs for details*

Annual Fee $375 Minimum Repayment Greater of 2% or $25
Annual Fee First Year $0 Interest Charged From Purchase Date
Rewards Joining Fee $55 Late Payment Fee $20
Supplementary Card Fee $10    
Duplicate Statement Fee $0 Overseas ATM Balance Fee $0
Transaction Verification Fee $0 Overseas ATM Withdrawal Fee $4
Over Limit Fee $20 Overseas Emergency Card Replacement Fee $0

Visit the issuer's website for additional information. Go to site

Terms & Conditions
Add up to 9 additional cardholders to your account. Apple Pay®, Android Pay™, Samsung Pay™ and ANZ Mobile Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card. *Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (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, 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.


* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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