ANZ Rewards Black

Our highest Reward Points earning potential
Category: Credit and Charge Cards  Last Updated December 17, 2024  Effective December 18, 2024

 General Lending Rates

Rates listed below are for a product. Additional Information
Interest Rate
NA PA
Comparison Rate
NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  , CASH_ADVANCE, 21.99%
  • Lending Rate Type: Cash Advance
  • Interest Rate: 21.99%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:

 Product Features

  • Additional Cards Additional Information: Up to 9 additional cardholders for an annual fee of $65 per additional cardholder.
  • Insurance
  • Insurance
  • Insurance
  • Insurance
  • Insurance
  • Interest Free Additional Information: Up to 55 days interest free days on purchases
  • Digital Wallet
  • Digital Wallet
  • Digital Wallet
  • Digital Wallet
  • Digital Wallet
  • Digital Banking Additional Information: Access using ANZ Internet Banking or ANZ App
  • Bill Payment
  • Loyalty Program Additional Information: 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.
  • Balance Transfers
  • Bonus Rewards Additional Information: 180,000 extra ANZ Rewards Points and $150 back to your new ANZ Rewards Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval. New Rewards card. T&Cs, eligibility criteria, fees and charges apply.
  • Cashback Offer Additional Information: 180,000 extra ANZ Rewards Points and $150 back to your new ANZ Rewards Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval. New Rewards card. T&Cs, eligibility criteria, fees and charges apply. The amount of the cashback offer (in AUD). Subject to terms, conditions and eligibility criteria, the product has a cashback offer for opening an account or by spending at a certain retailer.
  • Cashback Offer Additional Information: ANZ has teamed up with Australia’s leading cashback program Cashrewards. Join Cashrewards for free to access cashback offers from more than 2,000 popular retailers and get more for your money!
  • Fraud Protection Additional Information: The product includes fraud protection features.
  • Instalment Plan
  • Bonus Rewards Additional Information: Earn 180,000 extra ANZ Reward Points when you spend $3,000 on eligible purchases in the first 3 months from approval, plus $0 annual fee in the first year. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $375 thereafter). The offer is available to new ANZ home loan applicants who apply for a new ANZ credit card and new ANZ Home Loan in the one application and are approved for that new ANZ credit card.
  • Interest Free Transfers Additional Information: This offer applies to existing ANZ credit cards only. The offer is for a Promotional Plan balance transfer of 0% p.a. for 18 months, with a 3% Balance Transfer Fee. The balance transfer amount will be charged interest at the Promotional Plan annual percentage interest rate from the date the balance transfer is processed. At the end of the Promotional Plan period, the standard annual percentage rate for balance transfers will apply to any unpaid Promotional Plan balance. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. Conditions apply.

 Product Eligibility

  • Min Age - 18. Additional Information: You must be 18 years of age or older to apply
  • Residency Status - Australian Citizen, Australian Permanent Resident, New Zealand Citizen Or Have More Than 9 Months Left On A Valid Working Visa, Student Visa, Business Visa Or Investor Visa.

 Bank Fees and Charges

  • Account Service (Periodic), Amount: 320.00. Additional Information: Annual service fee for the credit card account
  • Rewards Program (Periodic), Amount: 55.00. Additional Information: Annual service fee for membership of the Rewards program
  • Additional Cardholder Account Service (Periodic), Amount: 10.00. Additional Information: Annual service fee for each additional cardholder
  • Additional Cardholder Rewards Program (Periodic), Amount: 55.00. Additional Information: Annual service fee for each additional cardholder's membership of the Rewards program
  • Cash Advance (Withdrawal), Amount: Not Listed.. Additional Information: Any transaction on your account which is a Cash Advance attracts a fee. The fee applies even if your account has a positive balance. A Cash Advance is not just a cash withdrawal. Transactions which are Cash Advances are described in ANZ’s Credit Cards Conditions of Use. We charge a 3% fee, subject to: • a maximum fee of $20; and • a minimum fee of $3. See your letter of offer for details as to how we calculate the fee. P1Y
  • Overseas Transaction Fee (Purchase), Amount: Not Listed.. Additional Information: P1Y
  • Late Payment (Event), Amount: 20.00. Additional Information: P1Y
  • Over Limit (Event), Amount: 20.00. Additional Information: P1Y
  • Instalment Plan Fee (Variable), Amount: 0.00. Additional Information: Instalment Plan fees are determined when a customer accepts an instalment plan.
  • Balance Transfer Fee (Variable), Amount: 0.03. Additional Information: A Balance Transfer Fee may be charged when a customer does a balance transfer.
  • Priority Fee (Event), Amount: 50.00. Additional Information: We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority.

 Limitations & Restrictions (Constraints)

  • Min Limit of 15000.00

 Document Downloads