Credit card review
ANZ Rewards Black Credit Card Review
Review the card’s rewards programme, possible benefits, fees, requirements and application process.
How does the ANZ Rewards Black Credit Card work?
ANZ Rewards Black is a premium rewards credit card designed for eligible customers who want to earn ANZ Reward Points on qualifying purchases.
Points may be redeemed for eligible gift cards, cashback and participating partner programmes. Earning rates, eligible transactions and redemption conditions are governed by the ANZ Rewards programme rules.
Main features and possible benefits
ANZ Reward Points
Earn points on eligible purchases according to the current programme rules.
Redemption options
Points may be used for eligible gift cards, cashback and partner points.
Digital wallet support
Add an eligible card to a compatible mobile wallet.
Fraud monitoring
ANZ provides monitoring tools designed to identify unusual card activity.
Fees and important conditions
| Current annual fee | $375, according to ANZ’s currently published information. |
|---|---|
| Minimum credit limit | $15,000, subject to ANZ’s approval and assessment. |
| Purchase interest rate | Refer to the official ANZ page for the current rate and scheduled changes. |
| Rewards | Points are earned only on eligible purchases and remain subject to programme rules. |
ANZ has announced changes to certain rates, fees, reward limits and insurance benefits during 2026 and 2027. Check the official page before applying.
General application requirements
- Applicants must generally be at least 18 years old.
- An Australian residential address may be required.
- Applicants must meet ANZ’s income and credit assessment criteria.
- Identification and financial information may be requested.
- Approval and credit limits are not guaranteed.
How to apply
Visit the official ANZ Rewards Black page.
Review the latest rates, fees, rewards and conditions.
Complete the online application with accurate information.
Provide any documents requested by ANZ.
Wait for ANZ to complete its credit assessment.
Continue on the official ANZ website
Confirm the latest rates, fees, offers and requirements directly with ANZ.
Visit the official ANZ website
You will be redirected to the card issuer’s website
This website is not ANZ and does not issue credit cards or approve applications. Rates, fees, rewards, limits, approval and conditions are determined exclusively by ANZ.