Important disclosure

ANZ Banking Group Limited

ANZ Rewards Black

  • Apple, Google & Samsung Pay
  • Balance transfer

Bonus Points

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.*

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

Purchase Rate

20.99%

p.a

Balance Transfer Rate

21.99%

p.a

RateCity says

“This competitive credit card offers access to special events, Australian rental vehicle excess insurance, international travel insurance, concierge services and partner discounts.”

Tags
  • Apple, Google & Samsung Pay
  • Balance transfer
Purchase Rate

20.99%

p.a

Balance Transfer Rate

21.99%

p.a

Annual Fee

$375

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More detailsmore-details

Australian Credit Licence 234527Fees & charges apply

Pros and cons

For Rewards Black

Benefits

  • Rewards Available through ANZ Rewards
  • Extra 180,000 points subject to eligibility conditions
  • Apple Pay, Google Pay and Samsung Pay available
  • International travel insurance
  • Extended warranty
  • Concierge
  • Special events
  • Partner discounts
  • Rental vehicle excess in Australia insurance
  • Purchase protection insurance

Drawbacks

  • Higher than average ongoing variable purchase rate
  • Higher than average ongoing annual fee
  • Does not offer free supplementary cards

ANZ Rate Credit card overview

For Rewards Black

Details

Card Level

Premium

Card Type

Visa

Interest Free Days

55

Minimum monthly repayment

2% or $25

Minimum credit limit

$15k

Maximum credit limit

$75k

Free supplementary cards

Instant Approval

Target Market Determination

Visit ANZ Banking Group Limited to view Target Market Determination.

Fees

Annual Fee

$375

Annual Fee Spend Waiver

Supplementary card annual fee

$65

Late Payment Fee

$20

Over limit fee

$20

Duplicate statement fee

$0

Electronic Wallet Service

Important Rates

Rates

Purchase Rate

20.99%

p.a

Cash advance rate

21.99%

Cash advance fee

3%

Balance Transfer

Balance Transfer Rate

21.99%

p.a

Transfer Limit

95%

of the approved credit limit

Balance Transfer Fee

Overseas spending

Foreign Exchange Fee

3% on Visa

Overseas charges

$5

Estimated ATM Cost

$14

for AU $300 withdrawal

Rewards

Program name

ANZ Rewards

Rewards Available

Gift Card

Eligibility

Minimum age

18

Minimum income

Eligibility conditions

A non-permanent resident with more than 9 months remaining on your Visa

Residency

Perks

  • INTERNATIONAL TRAVEL INSURANCE
  • EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year.
  • CONCIERGE
  • SPECIAL EVENTS
  • PARTNER DISCOUNTS
  • RENTAL VEHICLE EXCESS IN AUSTRALIA INSURANCE
  • PURCHASE PROTECTION INSURANCE Covers up to 90 days
Specials
  • Bonus Points 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.*
    *New Rewards card. T&Cs, eligibility and spend criteria, fees and charges apply. (including an annual fee, currently $375).

Other Restrictions

The Estimated ATM Cost when accessing money overseas is $18. T&Cs apply.

How to apply

If you'd like to apply for this product or just get more information, follow the application process on ANZ.