ANZ Rewards Black
Our highest Reward Points earning potential
- Purchase rate
- 20.99%
- Annual fee
- $320.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Rates are subject to change | 20.99% | — | — |
| Cash advance Rates are subject to change. The interest rate that applies to cash advances is currently equivalent to the interest rate that applies to standard balance transfers. | 21.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Account Service Charged yearly · Annual service fee for the credit card account | Ongoing | $320.00 |
| Rewards Program Charged yearly · Annual service fee for membership of the Rewards program | Ongoing | $55.00 |
| Additional Cardholder Account Service Charged yearly · Annual service fee for each additional cardholder | Ongoing | $10.00 |
| Additional Cardholder Rewards Program Charged yearly · Annual service fee for each additional cardholder's membership of the Rewards program | Ongoing | $55.00 |
| Overseas Transaction Fee We charge 3.5% of any overseas transaction using your ANZ Credit Card. The amount on which the fee is charged may include fees and other charges related to the overseas transaction (excluding any Cash Advance Fee that may be charged). Overseas Transaction Fees are not charged on ANZ Rewards Travel Adventures Credit Cards. See your letter of offer for details (including how we calculate the fee and when it applies) | Purchase | 3.5% of transaction |
| Overlimit Fee We charge an Overlimit Fee if: • we allow you to exceed your credit limit so that a debit can be processed; and • you have consented to being charged the Overlimit Fee (or if your account was opened before 18 June 2012, you have not opted out of the overlimit fee, or if you have opted out, you have since consented), and have not withdrawn that consent, at the time we allow the overlimit. The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account. |
Features
- Additional cards — up to 9
- Up to 9 additional cardholders for an annual fee of $65 per additional cardholder.
- Insurance included — International Travel Insurance
- Insurance included — Domestic Travel Insurance
- Insurance included — Rental Vehicle Excess in Australia Insurance
- Insurance included — Extended Warranty Insurance
- Insurance included — Purchase Protection Insurance
- Interest-free period — 44 days
- Up to 44 days interest free days on purchases
Eligibility
- Minimum age — 18 yearsYou must be 18 years of age or older to apply
- Residency status — be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa
- You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit or ANZ Frequent Flyer card in the last 24 months and meet all other offer eligibility criteria.
Constraints
- Minimum limit — $15,000.00
More Information
Published by ANZ under the Consumer Data Right · Last updated 15 May 2026 · Product ID 6396b1bd-1c47-9c28-59b8-6847f208a9a7 · View on CDR.gov.au · View Source Data (JSON)