ANZ Rewards Black (150,000 Reward Points with your new ANZ Rewards Black when you spend $4,000 on eligible purchases in the first 3 months from approval.)

Purchase Rate

20.24 %
p.a.
Cash Advance Rate
20.24% p.a.
Interest Free
Up to 55 days
Annual Fee
$375.00
  • 150,000 Reward Points with your new ANZ Rewards Black when you spend $4,000 on eligible purchases in the first 3 months from approval.*
  • Offer ongoing until further notice.
  • Unlimited access to participating airport lounges outside Australia.
  • 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.
  • View balances, transfer money and make payments simply and easily with the ANZ App.
  • Apple Pay® and Google 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 and including $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* $10,500.00
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 Terms and Conditions for details^

Visit the issuer's website for additional information.

Terms & Conditions
Eligibility and How to Apply: -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 Add up to 9 additional cardholders to your account. *Spend criteria, eligibility criteria, T&Cs, fees and charges apply. New card. T&Cs, spend & eligibility criteria, fees & charges apply (including annual fee currently $375). ^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. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate or different earn rate bands. Existing customers should call 13 13 14 for information regarding the Reward Points earn rate(s) that apply to their account. 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 allow 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 Policy Information booklet (PDF 366kB) and the ANZ Credit Cards Insurance Features booklet (PDF 111.5kB) 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. 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 at www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

* 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.

ANZ Rewards Black (150,000 Reward Points with your new ANZ Rewards Black when you spend $4,000 on eligible purchases in the first 3 months from approval.)

Purchase Rate 20.24 % p.a.
Cash Advance Rate 20.24% p.a.
Interest Free Up to 55 days
Annual Fee $375.00

Top Features

  • 150,000 Reward Points with your new ANZ Rewards Black when you spend $4,000 on eligible purchases in the first 3 months from approval.*
  • Offer ongoing until further notice.
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
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* $10,500.00
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 Terms and Conditions for details^
Annual Fee $375.00
Minimum Repayment Greater of 2% or $25.00
Annual Fee First Year $375.00
Interest Charged From PurchaseDate
Rewards Joining Fee $55.00
Late Payment Fee $20.00
Supplementary Card Fee $10.00
Duplicate Statement Fee $0.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $4.00
Over Limit Fee $20.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions

Eligibility and How to Apply: -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 Add up to 9 additional cardholders to your account. *Spend criteria, eligibility criteria, T&Cs, fees and charges apply. New card. T&Cs, spend & eligibility criteria, fees & charges apply (including annual fee currently $375). ^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. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate or different earn rate bands. Existing customers should call 13 13 14 for information regarding the Reward Points earn rate(s) that apply to their account. 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 allow 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 Policy Information booklet (PDF 366kB) and the ANZ Credit Cards Insurance Features booklet (PDF 111.5kB) 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. 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 at www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

* 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.