ANZ Rewards Black Credit Card

Earn the highest rate of flexible ANZ Reward Points and get $150 back in the first year to your ANZ Rewards Black credit card.

Signup bonus: 180,000 extra ANZ Reward Points + $150 back to your new card, when you spend a minimum of $3,000 on eligible purchase within the first 3 months of approval
Points Earned: Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
Annual fee: $375 p.a. ongoing

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Why we like the ANZ Rewards Black Card

The ANZ Rewards Black credit card is the highest-earning card for ANZ Reward Points. These points can be transferred to your choice of Virgin Australia Velocity, Singapore Airlines KrisFlyer, Cathay or Air New Zealand Airpoints.

This card has a great sign-up bonus with 180,000 ANZ Reward Points and $150 cash back to your card available. You’ll also receive complimentary insurances including international travel insurance.

Key Information & How to Apply

Key facts about this card

Card type: Visa
Signup bonus: 180,000 extra ANZ Reward Points + $150 back to your new card, when you spend a minimum of $3,000 on eligible purchase within the first 3 months of approval
Annual fee: $375 p.a. ongoing
Interest rate: 20.99% p.a.
Interest-free days: Up to 55 days
Minimum monthly repayment: 2% of outstanding balance or $25, whichever is higher
Minimum credit limit: $15000
International transaction fee: 3%

To apply for this card, you will need

To be an Australian citizen, resident or long-term visa holder aged 18 or over
No history of bad debt or payment default
Your Australian driver’s licence number and proof of income
10-15 minutes to complete your application

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Contents

Apply for an ANZ Rewards Black card and spend at least $3,000 on eligible purchases within the first 3 months to earn 180,000 bonus ANZ Reward Points! That’s equal to 90,000 Virgin Australia Velocity points, 60,000 Singapore Airlines KrisFlyer miles, 60,000 Cathay Asia Miles or 900 Air New Zealand Airpoints Dollars. Alternatively, you could redeem those ANZ Reward Points for a $800 digital gift card.

Plus, when you meet the spend target, you’ll receive $150 back to your new ANZ Rewards Black card.

To give you an idea, it would cost 71,000 Velocity points (plus taxes & carrier charges) to book a return Virgin Australia Business Class flight from Adelaide to Darwin.

Virgin Australia 737 business class — You could redeem Velocity points for Virgin Australia Business Class. Photo: Virgin Australia.

Or, with Cathay Asia Miles, you could redeem for flights on Cathay Pacific and its Oneworld partner airlines. For example, 66,000 Cathay Asia Miles (plus taxes & carrier charges) would be enough for a round-trip Business Class redemption on Malaysia Airlines from Perth to Kuala Lumpur. That would also be enough for a return Qantas Business Class trip on most Australian domestic and trans-Tasman routes.

Qantas A330 business class — Qantas A330 Business Class. Photo: Qantas.

This sign-up offer does not have a fixed expiry date but may be changed or withdrawn at any time.

The offer is not available to existing ANZ Rewards cardholders, or if you have been the primary cardholder of an ANZ Rewards credit card in the past 12 months. However, holding an ANZ Frequent Flyer credit card that earns Qantas Points would not exclude you from this offer.

Earning ANZ Reward Points

With the ANZ Rewards Black card, you’ll earn 2 ANZ Reward Points per $1 spent on eligible transactions (excluding government payments) up to the first $5,000 spent per month. That’s effectively an earn rate of 1 Velocity point or 0.67 KrisFlyer miles per dollar.

After spending $5,000 in a given monthly statement period, you’ll earn 1 ANZ Reward Point per dollar on any remaining spend.

There is no cap on the total amount of points you can earn.

ANZ Reward Points are valid for 3 years, but unused points do expire at the end of the third year after they are earned. You can use your points or transfer them to a frequent flyer program before this time to avoid losing them.

Earning points for ATO & government payments

The ANZ Rewards Black card does not award any points on payments made directly to the ATO or other government bodies in Australia.

However, you can use a payment service such as pay.com.au or Sniip to pay tax and other bills with this card, and still earn points at the full rate!

Redeeming ANZ Reward Points

ANZ Reward Points can be converted to 4 different frequent flyer programs. Here’s the full list of ANZ Rewards transfer partners:

Transfer partners	1 ANZ Reward Point equals…	Minimum redemption
Air New Zealand Airpoints	0.005 Airpoints Dollars	2,000 Reward Points
Cathay (Asia Miles)	0.33 miles	3,000 Reward Points
Singapore Airlines KrisFlyer	0.33 miles	1,500 Reward Points
Virgin Australia Velocity	0.5 points	2,000 Reward Points

See our Overview of ANZ Rewards Transfer Partners for more information.

Singapore Airlines 777 — You could convert ANZ Reward Points into KrisFlyer miles. Photo: Singapore Airlines.

Alternatively, you could redeem your points through the ANZ Rewards program for rewards including:

Gift cards
Cashback
Merchandise from the ANZ Rewards Store

Other card benefits

Complimentary travel insurance

This card comes with complimentary domestic and international travel insurance. This insurance is underwritten by Allianz and is available when you spend at least $250 on prepaid travel costs before leaving Australia. You must be aged under 81 years old and have a return overseas travel ticket before leaving Australia.

The card also comes with complimentary rental vehicle excess in Australia, extended warranty insurance and purchase protection insurance.

Before using this insurance, we’d encourage you to read the PDS here.

Cashrewards partnership

ANZ has also joined forces with Cashrewards to offer its customers great cashback offers both online and when shopping in person. You can link your ANZ credit card to your free Cashrewards account to access Cashrewards offers when shopping in-store with its retail partners.

Summary

Pros

Earn flexible ANZ Reward Points, which you can transfer to 4 frequent flyer programs
Complimentary travel insurance
Cashrewards partnership
Personal Concierge service and invitation-only exclusives by ANZ
Compatible with Apple Pay, Google Pay and Samsung Pay

Cons

High annual fee
The full rate of points is only earned on the first $5,000 spent per month
International transaction fees apply
High interest rate (this could be a problem if you don’t think you’ll be able to repay your balance in full each month)

Signup bonus: 180,000 extra ANZ Reward Points + $150 back to your new card, when you spend a minimum of $3,000 on eligible purchase within the first 3 months of approval
Points Earned: Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
Annual fee: $375 p.a. ongoing

Notify Me

Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.

Frequently Asked Questions (FAQs)

What are the requirements to apply for an ANZ Rewards Black credit card?

To apply for an ANZ Rewards Black credit card, you would need to be an Australian or New Zealand citizen, permanent resident or visa holder with at least 9 months left on your visa, aged 18 or over, and have a good credit rating. Other criteria may apply.

What is the minimum credit limit on the ANZ Rewards Black card?

The minimum credit limit is $15,000.

Does the ANZ Rewards Black credit card come with airport lounge passes?

No, this card does not offer airport lounge access.

Can you use the ANZ Rewards Black card to pay the ATO?

Yes, but you will not earn any points if you use your ANZ credit card to pay the ATO or other government bodies directly. If you would like to earn points when paying tax with your card, you could use a bill payment service such as pay.com.au.

Do ANZ Reward Points expire?

ANZ Reward Points are valid for 3-4 years. Unused ANZ Reward Points expire at the end of the third year after they were originally earned.

Is the ANZ Rewards Black credit card compatible with Apple Pay?

Yes, the ANZ Rewards Black card supports Apple Pay, Google Pay and Samsung Pay. It’s also compatible with wearables such as Fitbit. So, you can still use this card when you’re out and about without carrying the physical card.

Can you add Additional Cardholders?

You can add Additional Cardholders on your ANZ Rewards Black card for an annual fee of $10, plus a $55 Rewards Program Services Fee, for a total cost of $65/year per Additional Cardholder.

Discuss this card with the Australian Frequent Flyer community

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Important Australian Frequent Flyer Credit Card Information

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