ANZ Rewards Black Credit Card
3.3
Highlights
- Earn up to 160,000 ANZ Reward Points and $100 cashback. Get 110,000 points for spending $5,000 in the first 3 months, plus 50,000 bonus points after 15 months.
- Earn 2 Reward Points for every $1 spent on eligible purchases, up to $5,000 per statement period. After that, earn 1 Reward Point per $1 spent.
- Comes with complimentary International Travel Insurance.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
9
Additional Card Fee Ongoing
$65.00
Credit limits
Minimum Credit Limit
$15,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 44 days on purchases
Minimum Repayment Percentage
2%
Balance transfers
Balance transfer offer
Balance Transfer Rate
21.99%
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
$3.00
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
20.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$375.00
Dishonour Fee
$6.00
Duplicate Statement Fee
$0.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$20.00
Rewards
Rewards program basics
Rewards Program
ANZ Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
36 months
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
2.00
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
2.00
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
Yes
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
Yes
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
They upgraded me with the promise of offers
Reviewed by Linda
Great earnings potential
Reviewed by James
Great bonus points and points per dollar
Reviewed by Matthew
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