ANZ Rewards Black Credit Card

The ANZ Rewards Black Credit Card offers 80,000 bonus ANZ Reward Points. Ongoing benefits include ANZ Reward Points earned on everyday purchases, and complimentary travel insurance.


Updated 18 May 2022

* See details below

Expert Review

The ANZ Rewards Black credit card is ANZ's premium ANZ Rewards product. Featuring a relatively high points earn rate which is ANZ's highest and uncapped, the card provides premium features such as insurances. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 5% for earning $100 back in value, such as on a gift card, for an average spend of $5,000 per month. Further, the product has a $375 annual fee, including up to 55 interest free days.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products.

Product Details
Our highest Reward Points earning potential, uncapped flexible rewards, plus access to exclusive events and privileges."
- ANZ
Rewards

Earn ANZ Reward Points

2points per $1 spent up to $5,000, then 1 per statement

Fees
Account Fees

$320 annual account fee

$55 rewards fee

Additional Cardholder Fees

$10 additional cardholder fee

$55 additional cardholder rewards fee

Up to 9 additional cardholders

Transaction Fees

3.00% international transaction fee

Other fees may apply.

Rates

20.24% p.a. purchase rate

21.24% p.a. cash advance rate

Up to 55 interest fee days on purchases

Features
Insurance

International Travel Insurance

Domestic Travel Insurance

Rental Vehicle Excess in Australia Insurance

Extended Warranty Insurance

Purchase Protection Insurance

Offers
Extra ANZ Rewards Points Offer

80,000bonus points

$0annual fee in first year

Earn 80,000 extra Reward Points and $0 annual fee in the first year when you spend $2,000 on eligible purchases in the first 3 months from approval. New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375 after the first year).
Already have this credit card?

See if there's a better deal in 60 Seconds

Get Started
TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the ANZ website.

account
fees
purchase
rate
points per
$1 spend*
Alternative Credit Cards
More information
^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
Stay or Go Pty Ltd (“Stay or Go”) provides information about and compares credit products in the Australian market and is authorised to do so as the holder of Australian Credit Licence 527092. We do not compare every credit product in the Australian market. We are not a credit provider and we do not provide credit assistance. When we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via our website, you are not applying with us, you are applying directly with the credit provider and will be redirected to their website. We endeavour to ensure that the information on this website is current and accurate however, before entering into any credit product with a credit provider displayed on our website, you should confirm the fees, rates, product information, and eligibility criteria with the credit provider and read the Target Market Determination (TMD) available via their website. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice. The use of any trade name or trademark on this website is for identification, comparison and reference purposes only and does not imply any association with the trademark holder or their brand. Please refer to our Terms of Use for more details.
Copyright © 2022 Stay or Go Pty Ltd