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180,000 Spend $2,000 in first 3 months
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card

ANZ Credit Cards

ANZ Rewards Black Credit Card

Updated 22 November 2021

If you're looking for a higher end rewards card, the ANZ Rewards Black has many features that give you the opportunity to earn a huge variety of rewards. It currently offers 180,000 bonus Reward Points when you spend $2,000 on eligible purchases in the first 3 months. Plus, you can save $375 on card costs with its $0 annual fee in the first year offer.

New cards only. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $0 for first year, $375 thereafter).

Points Earn Rate (per $1 spent)

2 points

Capped at $5000, then 1 pt per $1 spent

Rewards Program

ANZ Rewards

Bonus Points

180,000 pts

Spend $2,000 in first 3 months

Pros and cons

  • 180,000 bonus Reward Points on your new ANZ Rewards Black credit card when you spend $2,000 on eligible purchases in the first 3 months
  • $0 annual fee in the first year
  • Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period
  • Earn 1 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 Travel Insurance for trips up to 6 months
  • 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.

The ANZ Rewards Black Credit Card with 180,000 Reward Points

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 bonus 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 bonus points offer. How does it work exactly? After you spend $2,000 on eligible purchases on your new card within three months of card approval, you will be rewarded with 180,000 bonus Rewards Points to spend as you like. The bonus Reward Points and credit will be credited to your ANZ 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, cash back and more. And if you don’t have enough points to cover the item you want, simply make up the difference in cash.

Additionally, you could redeem the 180,000 Reward Points for $800 worth of David Jones or Woolworths Supermarket e-Gift cards (four $200 gift cards).

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.

To top it all off, this card waives its annual fee for the first year- giving you an opportunity to pocket a whopping $375 savings on card costs. This is a perfect opportunity for new cardholders to enjoy all the awesome features and benefits this card has to offer without spending a hefty amount on card fees.

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 you’ll pay after the first year, 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 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, and 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.

As a cardholder, you can also enjoy access to complimentary international travel insurance, interstate flight inconvenience insurance, extended warranty insurance, guaranteed pricing scheme and purchase protection insurance.

On top of that, the card 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 bonus points and $0 annual fee for the first year.

User reviews

ANZ Rewards Black Credit Card ( based on 1 Creditcard.com.au user review )

65% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.24% p.a.

Cash advance rate 20.24% 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

Annual fee the first year $0

Cash advance fee Consumer: 2% or $4 whichever is greater (2% or waived for RTA); 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 $2,000 in first 3 months

Earning points with this card

ANZ Rewards points 2 points per $1 spent

Points cap per month Capped at $5000, then 1 pt per $1 spent

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

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 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period and 1 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 travel insurance.

Key features

  • 180,000 bonus Reward Points when you spend $2,000 on eligible purchases in the first 3 months.
  • $0 annual fee in the first year, $375 p.a. thereafter
  • Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period.
  • Earn 1 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 travel insurance for trips up to 6 months
  • 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 a our credit card expert a question.

69 questions (showing the latest 10 Q&As)

evan

evan

23 November 2021
Hi, How long will approval take? when does the travel insurance commence, Approval/Card Activation? can you share more details on the included travel insurance product
    Pauline - CreditCard.com.au

    Pauline

    24 November 2021
    Hi Evan, the approval process actually depends on several factors like credit-worthiness, income, debt serviceability, documents submitted, etc. Banks also have other criteria that are not published that they may require as well. As for the travel insurance, the period coverage starts from the date shown on your international travel ticket up to 6 months from date of departure. Please note that you need to meet their insurance eligibility criteria first in order to be covered. You can check ANZ’s insurance T&Cs for more information. Safe travels!
Tricia Bryant

Tricia Bryant

17 November 2021
Does this card include qantas frequent flyer?
Daniel Pitcher

Daniel Pitcher

17 November 2021
ANZ Rewards Black Credit Card The 180k points, are these Qantas FF points ?
navneet kaur punni

navneet kaur punni

15 November 2021
hey looking to get a credit card. need suggestion
    Pauline - CreditCard.com.au

    Pauline

    16 November 2021
    Hi Navneet, you’ve come to the right place as we are a credit card comparison site. Though we can’t suggest one card over another, there certainly are a lot of cards with different offers. Depending on what you’re looking to use the card for, whether it be rewards or everyday spending, it’s best to check our comparison tools for the list of credit cards we have curated to see what suits you best. It’s also very important to check the card’s eligibility criteria and its TMDs before proceeding with your application. Happy card hunting!
Hue Ngoc Tran

Hue Ngoc Tran

11 November 2021
Hi Can you please tell me the ANZ rewards points is the same with Qantas point?
    Pauline - CreditCard.com.au

    Pauline

    12 November 2021
    Hi Hue, ANZ Rewards points are different from Qantas points from different programs. To add to that you can’t transfer ANZ points to Qantas, only to Velocity, KrisFlyer, Asia Miles and Airpoints. If you are however looking to directly earn Qantas points, you can check out the different Qantas Frequent Flyer cards we have listed for your options. Hope this has helped!
Mitul

Mitul

9 November 2021
Complimentary international travel insurance is it only 1st 6 month when card is issued.
    Pauline - CreditCard.com.au

    Pauline

    10 November 2021
    Hi Mitul, we dug this for you and found that the period cover for the international travel insurance begins on the date you become eligible and covers you for up to six consecutive months of your trip. Please keep in mind that you first need to make sure that you meet the insurance eligibility set out in the ANZ premium cards insurance guide. There’s a few hurdles to jump to have it activated so check the guide carefully.
Mousa

Mousa

27 October 2021
Do I still eligible to receive 180000 pts if I used the same offer previously (i.e I received the 180000 pts and later I closed the credit card account).?
    Pauline - CreditCard.com.au

    Pauline

    28 October 2021
    Hi Mousa, we checked the ANZ Rewards Black credit cards terms and if you closed your card less than 12 months ago you will miss out. But, if it was more than 12 months the offer is available to new and approved applicants.
Alex

Alex

22 October 2021
Is 1 reward point = 1 qantas frequent flyer point?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 October 2021
    Hi Alex, sadly no. ANZ Rewards points can’t be transferred to Qantas. ANZ Rewards points can only be transferred to Singapore Airlines KrisFlyer, Velocity Points, Cathay Pacific Asia Miles and Air New Zealand Airpoints Dollars. You could technically transfer to Cathay Pacific and then to Qantas, but the inherit value would be lost there. If you’re still looking for a black ANZ card that earns Qantas points directly you could check out the ANZ Frequent Flyer Black Credit Card.
Pete

Pete

14 October 2021
If I sign up, are the bonus points credited to my account immediately after the spending $2000 on eligible purchases? What do eligible purchases include? What can I use the bonus reward points for?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 October 2021
    Hi Pete, the bonus rewards points will be credited to your ANZ account within 3 months once you hit the required spend. Eligible purchases are what you’d spend in your everyday life. So for example your groceries, dinner and entertainment. It doesn’t include cash advances, interest charges or gambling transactions to name a few. Full exclusions are listed on the ANZ site. As for redemption of points, you can redeem them for a wide range of gift cards, cashback on your statement or transfer to airline partners for travel. Here's a guide to the ANZ rewards program that you can browse to find out the full details of the program..

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