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180,000 Spend $3,000 in first 3 months from approval
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card

ANZ Credit Cards

ANZ Rewards Black Credit Card

Updated 24 March 2024

If you're looking for a higher-end rewards card, the ANZ Rewards Black credit card has many features that give you the opportunity to earn a huge variety of rewards. It currently offers 180,000 extra ANZ Reward Points and $150 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval.

New Rewards card. T&Cs, eligibility and spend criteria, fees and charges apply. (including an annual fee, currently $375).

Points Earn Rate (per $1 spent)

2 points

per $1 up to $5000, 1 pt per $1 over $5,000

Rewards Program

ANZ Rewards

Bonus Points

180,000 pts

Spend $3,000 in first 3 months from approval

Pros and cons

  • 180,000 extra ANZ Reward 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
  • Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period
  • Earn 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period
  • Uncapped ANZ Reward Points
  • Redeem points for flights, merchandise, gift cards, cash back and more
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
  • Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance
  • Up to 9 additional card holders
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay

  • Each additional card holder costs $65 annually
  • Standard $375 annual fee

Creditcard.com.au review

Editor Review

ANZ Rewards Black Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

⚠ Important changes to ANZ's credit card insurance policies: ANZ is making changes to the complimentary insurances on its credit cards which will take effect from 7 June 2024. A summary of the upcoming changes can be found here.

The ANZ Rewards Black Credit Card with 180,000 extra ANZ Reward Points and $150 back to your new card

Point calculations are accurate as of 23 February 2024 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official ANZ page for the updated calculations.

If you love being rewarded – and if you especially enjoy treating yourself to prestige perks – the ANZ Rewards Black card could well be worth a closer look. Designed to offer higher points earning power than standard rewards cards, this high-end option has plenty going for it.

From its awesome travel-related benefits to its excellent introductory extra ANZ Reward Points offer, this card can give you it all. But is it right for you? Let’s find out.

What we love...

When talking about the features we love on the ANZ Rewards Black card, it’s hard to go past the introductory extra ANZ Reward Points offer. How does it work exactly? After you spend $3,000 on eligible purchases on your new card within three months of card approval, you will be rewarded with 180,000 extra ANZ Reward Points and $150 back to your new card to spend as you like. The extra ANZ Reward Points will be credited to your ANZ Rewards account and the $150 credited to your credit card account within 3 months of the eligible spend criteria being met.

As part of the ANZ Rewards Program, these points can be redeemed on a huge range of items, on anything from travel and entertainment, to gift cards, cashback, and more. And if you don’t have enough points to cover the item you want, simply make up the difference in cash. With the current welcome offer of 180,000 ANZ Reward Points, you could redeem them for $720 ANZ Cashback which you can use to either lessen your ANZ Rewards credit card balance or be deposited to an eligible ANZ bank account.

Additionally, you could redeem the 180,000 extra ANZ Reward Points for a minimum $800 digital gift card which you can use at one of the 25 leading retailers, including JB Hi-Fi, Endota Spa, Myer and Bunnings.

Love travel? Choosing the ANZ Rewards Program can be a great choice for cardholders who want to earn points on travel, but who don’t want to be tied down to a particular airline. With ANZ Rewards, you can choose to fly with any airline to any destination, whenever you want to travel. Redeem your points as 90,000 Velocity Points, 60,000 Asia Miles or Singapore Airline KristFlyer Miles, or $900 Airpoint Dollars.

What’s not so great...

When it comes to cards packed with features and offers, there is always small print to pay attention to. With the ANZ Rewards Black card, it’s worth bearing in mind the ample annual fee, as well as the relatively high rates of interest on purchases and cash advances.

And while the card does allow for up to nine additional cardholders – which can provide a handy way to earn points faster – each additional cardholder will cost $65 per year.

Why should you choose this card?

While the introductory offers certainly provide lots to love, you may also quite enjoy the other features the ANZ Rewards Black card has to offer.

In terms of points earning potential, the card lets you earn ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, and 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period.

As a cardholder, you can also enjoy access to cashback plus ANZ Reward Points when you shop with your eligible ANZ card through Cashrewards at more than 2,000 popular brands. To join, simply sign up online for free and link your ANZ Rewards Black credit card. The cashback you earn will appear in your Cashrewards account and you can choose when you claim the cashback and how you use it.

The card also comes with a range of complimentary insurance covers - International Travel Insurance, Domestic Travel Insurance, Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance.

On top of that, it provides up to 55 days interest-free on purchases, and compatibility with Apple Pay®, Google Pay™ and Samsung Pay™.

Overall Rating

A high-end rewards card with a fantastic earn rate on the ANZ Rewards Program, excellent features and introductory offers that include 180,000 extra ANZ Reward Points and $150 back to your new card.

User reviews

ANZ Rewards Black Credit Card ( based on 9 Creditcard.com.au user reviews )

57% rating based on 9 reviews

Rates
Fees
Rewards
Customer Service
Value
100%

Mr A

10 January 2023

This offer makes it compelling, offering more bonus points than other banks.

Recommends this card
50%

Crusaders Fan

29 November 2022

Besides the sign-up offer it is not worth it. If you take into account the annual fee, plus any extra cardholder fee, and the rewards fee and offset this against the points you earn I don't think it is worth it. I spend about $2,500 monthly and the rewards value from this would hardly outweigh the cost of the fees with this card.

Does not recommend this card
93%

Kris

3 January 2022

Fantastic deal if you know how to use it correctly!

Recommends this card

Rates and fees

Interest rates



Purchase rate 20.99% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $15,000

Maximum credit limit N/A

Fees & repayments

Annual fee $375 p.a.

Additional cardholder fee Up to 9 at $65 p.a. each

Foreign transaction fee 3%

Minimum repayment 2% or $25, whichever is greater

Cash advance fee Consumer: 3% (in Australia); 3% of the amount or $4, whichever is greater (for overseas); Commercial: 1.50% or $1.50 whichever is greater

Late payment fee $20

Rewards and points

Rewards program

Rewards Program ANZ Rewards ANZ Rewards

Bonus points 180,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 in first 3 months from approval

Earning points with this card

ANZ Rewards points 2 points per $1 spent

Points cap per month per $1 up to $5000, 1 pt per $1 over $5,000

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 consecutive months

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Domestic Travel Insurance

Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay

Overview

ANZ Rewards Black Credit Card

This card offers a range of travel perks and more points earning power to help you reach the rewards you want quicker. Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period and 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period.

Points can be redeemed for hundreds of different rewards, including merchandise, travel, shopping vouchers, and gift cards. If you don’t have enough points for the reward you want, you can simply make up the difference with cash. This premium card will also give you access to complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply).

Key features

  • 180,000 extra ANZ Reward 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
  • Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period
  • Earn 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
  • Uncapped ANZ Reward Points
  • Redeem points for flights, merchandise, gift cards, cashback and more
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
  • Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance
  • Up to 9 additional card holders
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

100 questions (showing the latest 10 Q&As)

Joseph Johnson

Joseph Johnson

18 September 2023
what are eligible purchases?. Paying government bodies, car insurance, Tax office included?
    Pauline - CreditCard.com.au

    Pauline

    19 September 2023
    Hi Joseph, eligible purchases are your day to day transactions like payments towards groceries, restaurants, petrol, etc. Purchases that are categorised as fees, cash equivalent transactions, government charges are not considered eligible. If you’re looking to earn credit card rewards at the ATO, you can compare a small range of cards that earn points. Hope that helps Joseph!
Glyn

Glyn

28 August 2023
I am comparing the Amex express explorer and the ANZ rewards black credit cards, which would you recommend more and why? Cheers
    Pauline - CreditCard.com.au

    Pauline

    30 August 2023
    Hi Glyn! I can’t recommend one over the other because I don’t know your circumstances, but I can give you some tips to help you decide. First, the biggest difference is the points. What do you plan to use the points for? Amex and ANZ Rewards will both get you gift cards and merchandise, but if you plan to use them for travel then you need to think about which airline you’d be flying with, since they’re both affiliated with different frequent flyer programs. Next you can think about insurance - they both have travel insurance but will you need ANZ’s rental excess cover in Australia? Or are you more likely to need phone screen cover? The annual fee is the same, so it really comes down to how you will use the points. I hope that gives you some ideas Glyn!
John

John

22 July 2023
Hi If I already have a ANZ Rewards card, am I eligible to apply for this card. Thanks John
    Pauline - CreditCard.com.au

    Pauline

    25 July 2023
    Hi John, according to the ANZ Rewards Black card’s terms, the current offer is only available to new and approved ANZ Rewards Black card applicants and that those who currently hold or have held any of the ANZ Rewards card products in the past 12 months are not eligible.
Georgina

Georgina

7 July 2023
I currently have an ANZ Platinum Rewards card. Am I eligible for this deal if I swap cards?
    Pauline - CreditCard.com.au

    Pauline

    11 July 2023
    Hi Georgina, that’s a good question! Unfortunately, the offer is available to new and approved ANZ applicants only. You can however check some of the other rewards credit cards with bonus points offered for options.
Scott

Scott

4 July 2023
is there a list of "eligible" purchases?
    Pauline - CreditCard.com.au

    Pauline

    6 July 2023
    Hi Scott, I often receive this question, and after researching it, I found that ANZ, like other card issuers, does not publish a list of eligible transactions. Eligible purchases mostly include your everyday expenses, such as groceries, meals at restaurants, vet bills, and petrol for your car. However, there are certain transactions and items that do not earn ANZ Rewards Points. These include interest charges, fees, cash advances, cash equivalent transactions, balance transfers, government charges, and the like.
Scott

Scott

4 July 2023
What can you use ANZ Rewards points for?
    Pauline - CreditCard.com.au

    Pauline

    6 July 2023
    Hey Scott, ANZ Rewards Points offer various redemption options. You have the flexibility to redeem them for gift cards, ANZ Cashback, or even convert them into points with a range of airline partners. You can see all the redemption options available in our guide to ANZ Rewards.
Ellie

Ellie

19 June 2023
Hello, when will the points be added to your account?
    Pauline - CreditCard.com.au

    Pauline

    20 June 2023
    Hi Ellie, the bonus points (and the $150 credit) usually is credited to your account within 3 months after meeting the spend criteria.
Troy Stevens

Troy Stevens

17 June 2023
If I have previously had an ANZ rewards black card ( cancelled 2022), can I apply again and receive the bonus rewards points? It was cancelled due to a home purchase and needed the card gone for lending reasons.
    Pauline - CreditCard.com.au

    Pauline

    20 June 2023
    Hi Troy, I checked and see that the current offer is only available to new and approved ANZ Rewards Black credit card applicants.
Berry A.

Berry A.

16 June 2023
What is the minimum spend on this card, and over what period of time? Thanks.
    Pauline - CreditCard.com.au

    Pauline

    20 June 2023
    Hi Berry! You only need to hit a minimum spend to get the 180,000 bonus ANZ points and $150 cashback. For that, you'll need to spend $3000 in the first 3 months on your card. But there are no minimums on your regular spending each month. You can spend as much or as little as you like up to your credit limit, as long as you're paying it off responsibly :wink:. Thanks Berry!
Ash

Ash

24 May 2023
what is the minimum income requirement for this card?
    Pauline - CreditCard.com.au

    Pauline

    25 May 2023
    Hi Ash, I looked into this for you but unfortunately, the income requirement for the ANZ Rewards Black card is not publicly disclosed. Being a “black” card with a minimum credit limit of $15,000 the income requirement could be higher than other cards. In addition to the standard eligibility criteria such as being at least 18 years old, an Australian citizen, and having a good credit rating, ANZ’s application process asks for information about your income, expenses, assets, and liabilities. You’ll also need to provide 2 recent payslips and details of your living expenses when applying for the card.
vas

vas

25 January 2023
Is paying Land Tax Bill an eligible transaction ?
    Pauline - CreditCard.com.au

    Pauline

    2 February 2023
    Hi Vas, I’ve combined both your answers into this comment. Unfortunately, ANZ's terms that charges related to government fees are not eligible. The cards listed here will earn points on government and ATO charges. Eligible purchases to earn 2 Reward Points per dollar include things like your daily coffee, a restaurant bill or your groceries. It’s basically anything that is processed as a “retail transaction”
Marcel Feil

Marcel Feil

22 November 2022
what EXACTLY are ELIGIBLE PURCHASES That earn points and what purchases don't qualify. Please do not refer me to terms and conditions , it does not explain.
    Pauline - CreditCard.com.au

    Pauline

    23 November 2022
    Hi Marcel, unfortunately card issuers do not explicitly tell us which transactions are considered eligible. But these can include your day-to-day transactions like paying for your car’s petrol, friend’s birthday cake at a bakery, your groceries, or even your pet’s vet checkup. Generally it’s anything that’s processed at a point-of-sale transaction. The good news is that ANZ do indicate that transactions like cash advances, government charges, balance transfers, or cash equivalent transactions do not qualify as eligible. Hope that has helped!
Navpreet

Navpreet

22 November 2022
Can i get vip lounge access on international airports with ANZ RewardsBlack credit card.
Nick

Nick

22 November 2022
Hi Pauline I already have the ANZ Qantas Frequent Flyer Visa card, am I eligible for the card and points?
    Pauline - CreditCard.com.au

    Pauline

    23 November 2022
    Hi Nick, I checked ANZ Rewards Black card’s terms and looks like you may be eligible. Tt states that those who currently hold or have held any of the “ANZ Rewards” card products in the past 12 months are not eligible. If you’re confident you’ve met all the eligibility criteria, you can click the green Go To Offer button at the top of this page to proceed with your application.
Katie P

Katie P

1 November 2022
Can this credit card be used to pay rent, childcare fees, gym memberships etc?
    Pauline - CreditCard.com.au

    Pauline

    2 November 2022
    Hi Katie, this will depend on how each business processes your payment. If the gym and the childcare process it as a standard credit card transaction, you won't incur the cash advance rate of interest. If you’re interested in paying rent with your credit card, we dove into the nitty gritty of it and how you could even earn points.
Denny

Denny

28 October 2022
Hi Just wanted to check my eligibility for this card.
    Pauline - CreditCard.com.au

    Pauline

    1 November 2022
    Hi Denny, upon checking ANZ Rewards Black card’s eligibility criteria, it states that you should be at least 18 years old, a permanent resident and citizen of Australia or have more than 9 months left on your visa, have a good credit file, and don’t hold or have not held any ANZ Rewards cards products in the past 12 months. On top of this there are also the other internal checks and processes that ANZ run behind the scenes.
Sam

Sam

20 October 2022
What are eligible purchases
    Pauline - CreditCard.com.au

    Pauline

    21 October 2022
    Hi Sam, ANZ does not list what transactions are considered eligible however, these are your day-to-day transactions like paying for your favourite coffee at Starbucks, groceries, vet’s fee, car’s petrol, etc. Basically, it’s anything that isn’t processed as a cash advance. More specifically transactions like interests, fees, cash equivalent transactions, government charges, and reversed/refunded transactions are not considered eligible.
Anna

Anna

18 September 2022
Hi, does ANZ rewards black credit card charge annual fee on first credit card statement or after 12 months? Thanks.
    Pauline - CreditCard.com.au

    Pauline

    19 September 2022
    Hi Anna, you will see the first year annual fee of your ANZ Rewards Black card on your first month’s bill, then every 12 months after.
Alan

Alan

27 August 2022
Does your credit card travel insurance cover Covid 19 and cruise ship travel in both international and domestic waters
    Pauline - CreditCard.com.au

    Pauline

    29 August 2022
    Hi there Alan, The ANZ Rewards Black may have some form of Covid-19 travel insurance cover. I trawled through their PDS but it'd be best to contact their team on 1300 135 271 to check in around cruises. Have a great trip!
Irene

Irene

15 July 2022
Where can I find the list of eligible purchases to be rewarded with 80k extra reward points?
    Pauline - CreditCard.com.au

    Pauline

    19 July 2022
    Hi Irene, I checked ANZ Rewards Black’s terms and there’s no real definitive list. Eligible purchases are actually your daily transactions like shopping at Coles, buy Macca’s or a coffee, etc. The T&Cs do state that interest accrued, premiums paid for ANZ insurance, fees, government transactions and more won’t earn any Rewards points.

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