anz black travel credit card

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ANZ Rewards Platinum

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ANZ Rewards Black credit card

ANZ Rewards Black is our credit card with the highest ANZ Reward Points earn rate. disclaimer This new card offer gives you:

When you spend $3,000 on eligible purchases in the first 3 months from approval. disclaimer

Apply online now

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

What to expect from this Rewards Black card...

Anz reward points.

Earn 2 ANZ Reward Points for every $1 spent up to and including $5,000*

Earn 1 ANZ Reward Point for every $1 spent over $5,000*

*per statement period, eligible purchases only disclaimer

 interest rate

on purchases disclaimer 

$15,000 minimum credit limit

and you expect you will be able to repay all or most of the closing balance each month

$375 Annual Fee disclaimer

Things to consider.

• A higher interest rate on purchases compared to the ANZ Low Rate card, so the ANZ Rewards Black card might not be suitable if you only make minimum repayments over a prolonged period
• A higher annual fee compared to the ANZ First card and ANZ Rewards Platinum.

Plus you'll also get...

Travel insurance.

Planning a trip? You may be eligible for complimentary travel insurance, disclaimer plus cover for rental vehicle excess in Australia, disclaimer when you purchase travel using your ANZ credit card.

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply . disclaimer

Insurance on purchases

Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance disclaimer and Purchase Protection Insurance. disclaimer

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply. disclaimer

Buy now, repay later

ANZ Instalment Plans could be a handy way to repay your eligible credit card purchases over 3, 6 or 12 months.

Approval, eligibility and T&Cs apply. Fees and charges may apply.

24/7 Personal concierge

Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more. disclaimer

Call us on 1300 580 765 (or +61 2 7907 0805 ).

ANZ Falcon® fraud protection

ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.

Balance transfers

Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment. disclaimer

Cashrewards

Earn cashback plus ANZ Rewards Points disclaimer from more than 2,000 popular retailers when you shop through Cashrewards. disclaimer

Digital wallet compatible

An easy way to pay using your ANZ credit card on your compatible mobile device. disclaimer And, if you need a replacement card, digital cards are faster than the post.

What could 180,000 ANZ Reward Points get you? disclaimer

You could redeem them for one of the following:

Minimum $800  digital gift card

to use at one of our 25 leading retailers, including JB Hi-Fi, Endota Spa, Myer and Bunnings.

$720  ANZ Cashback

which can be used to either reduce your ANZ Rewards credit card balance or be credited to an eligible ANZ bank account. disclaimer

Airline partner points

to redeem as 90,000 Velocity Points, 60,000 Asia Miles or Singapore Airlines KrisFlyer Miles, or $900 Airpoint Dollars . disclaimer

Rates and fees

• $15,000 Minimum credit limit

Up to 55 Interest-free days on purchases disclaimer

Standard interest rates

on purchases disclaimer

on cash advances disclaimer

on balance transfers disclaimer

Annual fees

$375 Annual Fee (includes $320 Annual Fee and $55 Rewards Program Service Fee) disclaimer

Up to 9 additional cardholders for an annual fee of $65 per additional cardholder disclaimer 

For details about all applicable fees & charges please refer to the   ANZ Credit Cards Conditions of Use (PDF)  and  ANZ Personal Banking Account Fees and Charges (PDF) .

Eligibility

Who can apply  .

To apply for an ANZ Rewards Black credit card, you’ll need to:

• be 18 years of age or over
• be an Australian or New Zealand citizen, permanent resident or have more than 9 months left on your visa
• have a good credit rating
• ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventure or an ANZ Rewards credit card in the last 12 months and meet all other offer eligibility criteria.

Not sure if you’re eligible?

Call our credit card specialists on 13 22 73 .

Get started online

Apply online.

You’ll need:

• Details of your income, expenses, liabilities and assets
• Proof of identity.

Credit Card Quick Start

Get started now

Start your application online. We’ll call you back within 2 business days to help you complete it.

See our other Rewards and Frequent Flyer credit cards

• Uncapped ANZ Reward Points earn rate disclaimer 
• $6,000 Minimum credit limit
• $149 current annual fee disclaimer

Earn 100,000 extra ANZ Reward Points disclaimer and $50 back to your new ANZ Rewards Platinum card when you spend $2,000 on eligible purchases in the first 3 months from approval. disclaimer

New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). disclaimer

See ANZ Rewards Platinum   

• ANZ's highest Qantas Points earn rate disclaimer;
• $425 current annual fee disclaimer

Earn up to 130,000 bonus Qantas Points! Get 90,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months. disclaimer

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425 ). disclaimer

See ANZ Frequent Flyer Black   

• Uncapped Qantas Points earn rate disclaimer
• $295 current annual fee disclaimer

Earn 75,000 bonus Qantas Points and $100 back to your new ANZ Frequent Flyer Platinum card when you spend $2,500 on eligible purchases in the first 3 months from approval. disclaimer

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295). disclaimer

ANZ Frequent Flyer Platinum  

Ways your credit card is protected

Fraud money back guarantee.

Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs. disclaimer

Card security microchip

An embedded card microchip makes it harder for your card to be fraudulently copied.

Visa secure

(formerly known as verified by visa).

Some added peace of mind to securely shop online. 

Choose the card for you

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Your questions answered

How do i redeem my anz reward points.

You can redeem your points on the  ANZ Rewards website  or over the phone, by calling the ANZ Rewards Centre on 1300 367 763 , Monday to Friday, 8am to 8pm (AEST). 

What can I redeem my ANZ Reward Points on?

You can redeem your ANZ Reward Points for:

• gift cards at a range of retailers, including Apple, Bunnings, Myer, Woolworths and Uber disclaimer 
• ANZ Cashback , 1,250 Reward Points = $5 ANZ Cashback disclaimer , disclaimer 
• Airline partner points , such as Asia Miles, Air New Zealand Airpoints, Singapore Airlines KrisFlyer and Velocity Frequent Flyer. disclaimer

How do I check how many ANZ Reward Points I have?

You can check and redeem your ANZ Reward Points by logging in to the ANZ Rewards website .

Do ANZ Reward Points expire?

ANZ Reward Points must be used to claim a reward within 36 months of 31 December of the year in which the Reward Points were added to a points record. Reward Points that remain unused after that period will be cancelled. In the event your ANZ Rewards account is closed, any Reward Points that remain unused must be used within 90 days of the date of closure. Reward Points that remain unused after that period will be cancelled.

Please refer to the ANZ Rewards – Rewards Program Terms and Conditions (PDF) for further conditions on when we may cancel Reward Points.

What is an eligible purchase?

Most every day purchases are eligible purchases.  Certain transactions and other items are not eligible to earn ANZ Rewards Points. Examples of transactions and other items which will not earn ANZ Reward Points are interest charges, fees, cash advances, cash equivalent transactions, balance transfers, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. For more details of transactions which are not eligible to earn ANZ Reward Points and how these transactions are identified please refer to the ANZ Rewards Program Terms and Conditions (PDF) .

Getting started

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Interest rates, fees & terms  

Using your card

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Decrease limit or close account  

Forms and Documents  

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Lost or stolen cards  

Financial assistance  

Gambling help  

Other help topics

Notify us of travel  

Credit card insurance  

Join Cashrewards  

Redeeming Rewards  

Boost your credit card knowledge

With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Creducation is an online educational series that explores credit card interest, making payments, balance transfers and more.

Learn more about Creducation  

More Help and Support

Connect with our specialists

Our team are available Monday to Friday from 8am to 8pm (AEST).

Call 13 22 73

Find your nearest ATM or branch.

Book an appointment

Find a location or specialist

Get help with your application

We're here to answer your application questions and help you get started.

Request a callback

Important information

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

ANZ Reward Points are earned and redeemed in the ANZ Rewards store in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF) . Certain transactions and other items are not eligible to earn Reward Points, for details refer to the  ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF).

Offer available to new and approved applicants who apply for an ANZ Rewards Black Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF) . The $150 will generally be credited to your credit card account within three months of meeting the spend criteria. The $150 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. ANZ Rewards Points will generally be credited to your ANZ Rewards Account within 3 months of meeting the spend criteria. ANZ Rewards Points will not be credited and you will not be eligible for the $150 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF)  or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit card in the last 12 months.

For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee.  For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of  $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

Standard annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the  ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders.

ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice.

Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.

Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply .  Please visit Cashrewards for further details.

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments . Terms and conditions apply to the use of Apple Pay , Google Pay , Samsung Pay ,  Fitbit Pay and Garmin Pay .

Conversion calculation correct as at 20 th March 2024. Conversion rates subject to change.  Please refer to ANZ Rewards for details of current rates.

ANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Rewards or other ANZ account within 2 business days. Minimum Redemption thresholds apply.

Minimum Redemption thresholds apply. To redeem ANZ Reward Points for frequent flyer points, airpoints or airmiles, you must be a member of the relevant program and an ANZ Rewards Account Holder. Refer to the relevant program terms and conditions for details: Velocity Member Terms and Conditions , KrisFlyer Terms and Conditions , Airpoints Terms and Conditions and Asia Miles . ANZ Reward Points are subject to  ANZ Rewards – Rewards Program Terms and Conditions (PDF) .

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the  ANZ Credit Cards Conditions of Use (PDF) . Existing customers should review their credit contract for information regarding their account.

Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the  ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) . Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.

For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account.  These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73  for information regarding the fees that apply to their account.

Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) . The 90,000 bonus Qantas Points and $200 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $200 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 40,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. The 130,000 bonus Qantas Points will not be credited and you will not be eligible for $200 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF) prior to the bonus Qantas Points or $200 being credited to your ANZ Credit Card Account. You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

Offer available to new and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF) . The 100,000 extra ANZ Reward Points and the $50 will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the Purchases balance and does not constitute a payment under your contract with ANZ. The 100,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Rewards Credit Card in the last 12 months.

Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum Credit Card and is limited to one offer per applicant.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) . The 75,000 bonus Qantas Points and $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 75,000 bonus Qantas Points will not be credited and you will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF) . You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF) .

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ANZ Credit Cards

Anz rewards black credit card.

Updated 15 April 2024

The ANZ Rewards Black is ANZ’s highest-earning rewards card 🏆. It currently has an enormous 180k bonus ANZ Reward Points up for grabs and $150 back on your card (details below). Points can be transferred to Velocity and other frequent flyer programs.

This is a premium card with top-shelf extras. You’ll get complimentary shopping and travel insurances, concierge services, cashback on your spending, an insightful app and up to 9 extra cardholders to help supercharge your points power.

How do I apply?

Points Earn Rate (per $1 spent)

per $1 up to $5000, 1 pt per $1 over $5,000

Rewards Program

ANZ Rewards

Bonus Points

180,000 pts

Spend $3,000 in first 3 months from approval

Annual Fee (p.a.)

• 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points."> 0 points over 12 months spend, my monthly card spend, you could earn • 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">.

114,000 points

over 12 months

• Pros & cons
• Rates & fees
• Rewards & points
• Eligibility

Go to offer

Pros and cons

• Bonus perks. You can get 180,000 ANZ Rewards Points and $150 credited to your card when you spend $3000 on eligible purchases in the first 3 months from approval.
• Earning points. This card earns 2 Reward Points per $1 on eligible purchases up to and including $5000 per statement period, then 1 point per $1 after that.
• Insurances. You’ll access a suite of insurances including purchase protection, domestic and international travel insurance and vehicle rental excess cover in Australia.
• Balance transfer option. Transfer a balance from a non-ANZ card (21.99% p.a. interest rate applies).
• Lifestyle extras. Use concierge services 24/7 to make life easier, as well as Visa Offers + Perks to access special event pre-sales, movie offers and exclusive member competitions. Use Cashrewards for cashback from online retailers.
• Digital wallet compatibility. Syncs with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
• Slightly higher annual fee because it’s a top-tier card
• Additional cardholders cost $65 per year

Creditcard.com.au review

Editor review, who suits the anz rewards black credit card.

⚠ Important changes to ANZ's credit card insurance policies: ANZ is making changes to the complimentary insurances on its credit cards which will take effect from 7 June 2024. A summary of the upcoming changes can be found here .

Overall Rating

The ANZ Rewards Black credit card comes with the biggest lump sum of Rewards Points (equal to $650 in gift cards), plus a nice cashback bonus that helps offset the annual fee. It’s fair to say it gives a good impression straight up, and keeps on delivering with the highest rate of points per dollar than any other ANZ card.

It doesn’t earn frequent flyer points directly, but you can redeem your ANZ points for Velocity and other airline programs, giving you lots of flexibility in how you want to use your points.

What I love about the ANZ Rewards Black

The ANZ Rewards Black earns points, offers insurance, organises your pet’s weekly wash and pops cash back in your pocket when you buy shoes. If that sounds like an odd list of duties for a credit card, you’re right - but that’s exactly what this little superstar can do.

I’ll start with the big bonus offer, and then unpack the rest of the card’s features.

Bonus offer: When you sign up for a new card and spend $3000 on eligible purchases in the first 3 months from approval, you can get:

• 180,000 extra ANZ Rewards Points. It’s ANZ’s biggest bonus points offer.

Note: you won’t be eligible for these bonuses if you have held an ANZ card within the previous 12 months.

Earning ANZ Rewards points

The ANZ Rewards Points are tiered on this card. So, you’ll earn:

• 2 ANZ Reward Points per $1 spent up to and including $5000
• 1 ANZ Reward Point for every $1 spent over $5000

That means you can earn unlimited points on eligible purchases, but less once you’ve reached $5000 in a statement period.

ANZ says most everyday purchases are eligible. Transactions that aren’t eligible to earn ANZ Rewards points include interest charges, fees, cash advances, cash equivalent transactions, balance transfers, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions.

It’s an excellent idea to read the PDS to see the full list of exclusions.

Redeeming ANZ Rewards points

This is where we see the full flexibility of the ANZ Rewards Black. Earning ANZ Rewards points means you can redeem them directly or transfer them to a frequent flyer program you like. You can redeem points for:

• Gift cards with retailers such as Woolworths, Bunnings, Myer and Apple
• ANZ Cashback, where 1250 Rewards Points are equal to $5
• Merchandise from hundreds of retailers at the ANZ Rewards Store
• Velocity Frequent Flyer
• Air New Zealand Airpoints
• Singapore Airlines KrisFlyer

Other extras

This card comes with a host of extras across insurance, discounts and budgeting.

Complimentary insurance. Insurances help to protect your purchases and make travelling cheaper. The ANZ Rewards Black includes:

Concierge services. ANZ’s concierge service is available 24 hours a day. Just call the number and the concierge will help you organise flights, itineraries and accommodation, and book event tickets and restaurants.

You can request help with day-to-day life, like choosing gifts and buying flowers to be delivered. It’s also how you can have your pet grooming organised on autopilot. It’s a nice perk to take some of the mental load out of life.

Cashrewards. You can sign up for Cashrewards and earn cashback from over 2000 big brand names when you shop online (and earn ANZ Rewards Points at the same time).

Instalment plans. You can nominate up to 99 purchases to be paid off in interest-free instalments over 3, 6 or 12 months. You can manage your plans via the ANZ App and cancel anytime without penalty.

Balance transfers. You can transfer amounts over $100 from eligible non-ANZ credit cards and store cards, as long as you haven’t already reached 95% of your available credit limit. While many banks will turn off interest-free days while you have a balance transfer, ANZ says you’ll still get them if you pay your statement’s Closing Balance each month.

What’s not so great

I’ve given this card a big pat on the back so far, but there are a few things to be aware of.

First, as a premium card the annual fee is high. You’ll need to make sure you’re getting the value out of the points and extras to make it worth the ongoing cost.

Next, ANZ Rewards Points expire. You have 36 months to spend them from 31 December of the year the points were earned. If you close your ANZ Rewards account you have 90 days to use your points before they expire.

Lastly, if you want to add extra cardholders you’ll pay an Additional Cardholder fee of $10 and an annual Rewards Program Service fee of $55 per year ($65 in total per person).

Who suits the ANZ Rewards Black?

This is a card with a variety of benefits and loads of flexibility. It suits travellers, people who want points that turn into freebies, lifestyle extras and ways to save on interest.

User reviews

Anz rewards black credit card ( based on 9 creditcard.com.au user reviews ), 57% rating based on 9 reviews, customer service, 56% of users who have rated this card would recommend it, review the anz rewards black credit card.

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Personal Finance Expert - Creditcard.com.au

This offer makes it compelling, offering more bonus points than other banks.

Crusaders Fan

Besides the sign-up offer it is not worth it. If you take into account the annual fee, plus any extra cardholder fee, and the rewards fee and offset this against the points you earn I don't think it is worth it. I spend about $2,500 monthly and the rewards value from this would hardly outweigh the cost of the fees with this card.

Fantastic deal if you know how to use it correctly!

Rates and fees

Interest rates.

Purchase rate 20.99 % p.a.

Cash advance rate 21.99 % p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $15,000

Maximum credit limit N/A

Fees & repayments

Annual fee $375 p.a.

Additional cardholder fee Up to 9 at $65 p.a. each

Foreign transaction fee 3%

Minimum repayment 2% or $25, whichever is greater

Cash advance fee Consumer: 3% (in Australia); 3% of the amount or $4, whichever is greater (for overseas); Commercial: 1.50% or $1.50 whichever is greater

Late payment fee $20

Rewards and points

Rewards program

Bonus points 180,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 in first 3 months from approval

Earning points with this card

ANZ Rewards points 2 points per $1 spent

Points cap per month per $1 up to $5000, 1 pt per $1 over $5,000

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance.

International Travel Insurance Yes - up to 6 consecutive months

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Domestic Travel Insurance

Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay

This card offers a range of travel perks and more points earning power to help you reach the rewards you want quicker. Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period and 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period.

Points can be redeemed for hundreds of different rewards, including merchandise, travel, shopping vouchers, and gift cards. If you don’t have enough points for the reward you want, you can simply make up the difference with cash. This premium card will also give you access to complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply).

Key features

• 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
• Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period
• Earn 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
• Uncapped ANZ Reward Points
• Redeem points for flights, merchandise, gift cards, cashback and more
• Complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
• Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance
• Up to 9 additional card holders
• Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Minimum criteria to apply for this card

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa

You have your personal details ready to complete the online application

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

101 questions (showing the latest 10 Q&As)

Walter young, featured credit cards.

$1 earn rate  

Points earning • 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">

Qantas Premier Platinum Credit Card

Limited time super-sized Qantas Points

Earn 60k when you spend $3,000 within the first 3 months, plus 20k when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Save 20% on flights for you and 8 friends. Complimentary travel insurance.

Up to 80,000 bonus Qantas Points

Earn 60,000 when you spend $3,000 within the first 3 months, plus 20,000 when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Discounted annual fee for the first year.

Earn rate per $1

Bonus points.

save card more info

Qantas American Express Ultimate Credit Card

60,000 bonus qantas points.

Spend $3,000 within the first 3 months. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

When you spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.

• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

Adjust the filters to see how much you could save with a balance transfer to a new credit card

My transfer amount $5000

My interest rate 19.49%, my annual fee $50.

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My monthly card spend $5000

Benefits i like

• All reward programs
• Airport lounge access
• Balance transfers
• Bonus points offer
• No annual fee
• No foreign transaction fee
• Overseas travel insuarance
• Uncapped points earn

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In this guide

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Product details

Eligibility, how to apply, card benefits.

• Rates & fees

Your reviews

Ask a question, anz rewards black credit card.

Offers a big 180,000 bonus ANZ Reward Points and $150 back, with a $375 annual fee.

The ANZ Rewards Black earns the most points per $1 of any ANZ Rewards card, with 2 Reward Points per $1 on eligible purchases for the first $5,000 per statement period and 1 point per $1 after that. To give you an example of the value you can get from the 180,000 bonus points offer, you could redeem them for $800 worth of Woolworths WISH digital gift cards. Or transfer them to get 90,000 Velocity Points – enough for a return business class flight from Brisbane to Perth.

As well as Velocity, this flexible rewards program lets you transfer points to Air New Zealand Airpoints, Singapore Airlines Krisflyer or Asia Miles. You can also redeem points for statement credit or retail items. This card also comes with complimentary insurance options – including for international and domestic travel. Just make sure these benefits will give you enough value to justify the card's costs.

• 180,000 bonus ANZ Reward Points
• $150 back on your new card
• Up to 2 ANZ Reward Points per $1 spent
• Complimentary extras including travel insurance and a personal concierge
• Charges a relatively high annual fee of $375 p.a.
• 3% foreign transaction fee
• Additional cardholder fee of $65 per card

The ANZ Rewards Black is a premium credit card with features suited to big spenders and earners. If you apply as a new customer, you’ll earn 180,000 bonus ANZ Reward Points and get $150 back when you spend $3,000 on eligible purchases in the first 3 months from card approval. That’s enough for around $800 worth of gift cards.

Congratulations, ANZ!

The ANZ Rewards Black Credit Card has been recognised as the Best Rewards Credit Card in the 2024 Finder Credit Card Awards. It scored highly for its big bonus points offer during the analysis period and has a high earn rate of 2 points per $1 on eligible spending. It also offers complimentary travel insurance.

If you've compared your options and picked the ANZ Rewards Black, you can apply online in around 20 minutes. Get started by checking that you meet the eligibility criteria listed below, as well as the documents and details you'll need to fill out the application.

Eligibility criteria

• New cardholder. To earn the bonus points, you must be a new ANZ Rewards customer. This means you must not currently hold an ANZ Rewards Black, ANZ Rewards Platinum or ANZ Rewards credit card – and must not have opened or closed one of these accounts in the last 12 months.
• Residency requirement. Citizens and permanent residents of Australia are eligible to apply. If you are a non-Australian permanent resident, you must have an eligible working or business visa with at least 9 months remaining.
• Eligible balance transfer debt. ANZ allows you to transfer from $100 up to 95% of your credit limit from non-ANZ credit and store card accounts.
• Age. You must be at least 18 years old to apply.
• Credit history. You need a good credit rating to receive approval. You can get your credit score and comprehensive credit report for free through Finder .

Required documents

• Personal details. This includes your full name, email address, residential address, date of birth, marital status, number of dependents and contact number. You also need to provide a valid form of ID, such as your driver's licence number or passport.
• Employment details. You'll need to provide your current job title, years in the job, salary information and your employer's contact details. If you're self-employed, you'll need to provide details of your work, as well as your accountant's contact details. You will also be asked for documentation to verify these details, such as recent payslips or tax assessment notices.
• Financial details. This covers any other forms of income, such as superannuation payments and savings, as well as investments, debts and existing credit and loan accounts. You'll also need to provide an estimate of your regular household expenses, including rent or mortgage payments, bills and groceries.
• Bonus points. Receive 180,000 bonus ANZ Reward Points when you spend $3,000 on eligible purchases within the first 3 months from card approval. The bonus points will be credited to your account within 3 months of meeting the spend requirement.
• $150 back. You'll get $150 back to your new ANZ Rewards Black card when you apply, are approved and spend $3,000 on eligible purchases within the first 3 months.
• Points per $1 spent. This card boasts ANZ's highest earn rate, offering 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period. You'll then earn 1 Reward Point per $1 spent for spending above $5,000. Eligible purchases include spending on groceries, petrol, dining, travel and other everyday items, but exclude transactions such as cash advances, fees, balance transfers and transactions for gambling or gaming purposes.
• ANZ Rewards options. If you belong to a partnered frequent flyer program, you can transfer your ANZ Reward Points for airline loyalty points with Velocity, Air New Zealand Airpoints, Singapore Airlines Krisflyer or Asia Miles. You can also redeem your points for cashback on your account, gift cards and a variety of merchandise via the ANZ Rewards store. See the ANZ Rewards guide for further information on how to earn and redeem your points.
• Complimentary insurance covers. The ANZ Rewards Black credit card offers a range of complimentary insurances for travel and shopping, including international travel insurance, domestic travel insurance, rental vehicle excess in Australia insurance, purchase protection insurance and extended warranty insurance. The eligibility criteria include making eligible spend with your ANZ Rewards Black credit card.
• Personal 24/7 concierge. You can access a personal concierge who can help you with anything from travel planning, travel advice, restaurant or hotel bookings or even picking out gifts for loved ones. You can contact your concierge on 1300 580 765 in Australia or +61 2 7907 0805 if you are overseas.
• Mobile payment technology. You can add this card to your Apple Pay , Google Pay or Samsung Pay wallets to make contactless payments from your compatible mobile device. You can also pay with your eligible fitness tracker thanks to Fitbit Pay and Garmin Pay.
• Visa benefits. Get access to Visa's range of exclusive shopping and travel offers – such as hotel discounts or upgrades – which are listed on the Visa website and on the Visa Premium website. You can also enjoy exclusive ticket and experience offers through Visa Offers + Perks.

Rates & fees

• Annual fee. This card charges a $375 annual fee. This includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee.
• Purchase rate. Unless you repay your balance before the end of the statement period, your purchases will collect interest at a rate of 20.99% p.a.
• Interest-free days. If you pay your closing account balance in full by the statement due date, you'll receive up to 55 interest-free days on purchases. Note that if you have promotional balances from relevant balance transfer plans, instalment plans and buy now pay later plans , you will be eligible for interest-free days on purchases if you pay the full Adjusted Closing Balance listed on your statement by the due date. This is calculated as your closing balance less the sum of any relevant promotional plans.
• Foreign transaction fees. If you use this card to make purchases overseas or when shopping online with an overseas business, you'll be charged 3% of the transaction value.
• Additional cardholders. You can request up to 9 additional cardholders for a fee of $65 per cardholder.
• ANZ Rewards Black Credit Card information PDF
• ANZ Rewards Black Credit Card TMD

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November 06, 2023

Hi what income do you need for this card. Cheers

Amy Bradney-George Finder

Hi James, ANZ doesn’t list a minimum income requirement for this card. But you will need to provide details of your income, expenses and other liabilities when you apply. As credit card providers in Australia have to consider your ability to repay the total limit over a 3-year period, it could also help to consider the minimum credit limit ($15,000 at the time of writing). Finder’s guide to credit card minimum income requirements also has further details if you’re interested. I hope this helps.

October 30, 2023

going on a short 3 day cruise melbourne to adelaide. i am 79. will the insurance attached to the card cover me

November 03, 2023

Hi Dawn, The domestic travel insurance on this card is only available if you have a return domestic flight booked as part of the trip, and may not be suitable cover for issues that arise on a cruise. If you want to discuss specific details of the cover, you can contact Allianz (the insurance provider) on 1300 135 271. You can also compare cruise travel insurance policies on Finder. I hope this helps.

October 19, 2023

With the ANZ Rewards Black card , do any restrictions apply to the travel insurance if my wife has a pre existing illness ( cancer ) . She has now been clear for 18 months .

Hi Garry, That’s an important question to ask before you travel. You can contact the insurance provider, Allianz, on 1300 135 271 to discuss this with them directly so that you have the most accurate information. I hope this helps.

October 05, 2023

Can I use the rewards black credit card to pay my mortgage every week?

October 06, 2023

Hi Aaron, Your mortgage repayments should always be made using your own money, not credit. If your goal is to earn more points, Finder has a guide on a hands-on strategy for using a credit card and an offset account that may be of interest. If you’re experiencing mortgage stress and need help with your mortgage payments, talk to your lender about relief options. You can also speak to a financial counsellor for free by calling the National Debt Helpline on 1800 007 007.

October 04, 2023

Hi Amy I have an ANZ Rewards Black credit card, just wondering if I’m covered on a short domestic cruise, thanks.

Hi Linda, If the trip includes a return domestic flight that was paid for with your ANZ Rewards Black, or if you meet the other requirements and have a return domestic flight ticket, it’s possible there may be some cover related to cancellations, additional expenses and delays. But it’s a good idea to check directly with the insurance provider, Allianz, by calling 1300 135 271 or using the online form at https://travel.agaassistance.com.au/anz/travel-insurance . I hope this helps.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

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What credit score do I need to get the ANZ Rewards Black Credit Card?

By Nilooka Dissanayake   |   Verified by Yvonne Taylor   |   Updated 7 Dec 2021

• You need good credit score to qualify for this card.
• The ANZ Rewards Black Card offers no annual fee in the first year, but a relatively high annual fee after that.
• There is no specified minimum income requirement for this card.

The ANZ Rewards Black card has ANZ's highest reward-earning potential. Its unlimited and flexible rewards can be redeemed in a variety of ways. However, you should ensure you'll get enough value from this card when its high annual fee kicks in after your first year.

ANZ Rewards Black Credit Card

Balance transfer, purchase rate.

20.24% p.a. ongoing

$375.00 p.a. ongoing

• Receive 180,000 bonus Reward Points and a $150 cash back when you spend $3,000 on eligible purchases in the first 3 months from approval.
• Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period.
• Free international travel insurance.

In this guide

Who is the anz rewards black card for, what credit score is needed for the anz rewards black card, how hard is it to get the anz rewards black card, key features and perks, pros and cons, how do i apply, alternatives.

The ANZ Rewards Black Card is for you if you are seeking to earn the highest possible rewards and bonus points, planning to regularly make use of the complimentary extras, and mean to pay off your balance in full at the end of each statement period to avoid the high interest rate on balances carried beyond the payment due date.

ANZ only specifies that you need a good credit score. The range for good credit scores varies depending on the credit reporting body:

• For Experian : 625 - 699
• For Equifax : 622 - 725
• For illion : 500 - 699

If you have a higher score, putting you in the ‘Very good’ or ‘Excellent’ bracket, so much the better. ANZ uses all three credit reporting bodies. Also, in general, ANZ says that eligibility depends on your not having applied for too many credit cards recently. (See FAQs for more details on how credit reporting agencies calculate credit scores).

Check your credit score using Finty’s free credit score service.

To be eligible for the ANZ Rewards Black Card, you need to:

• Be 18 years old or over
• Be a permanent Australian resident, or if you are a non-permanent resident, have more than nine months left on your visa
• Have a good credit rating

You don’t have to be an ANZ customer to apply for an ANZ credit card.

• Earn a huge number of bonus ANZ Rewards points by meeting a relatively modest spending target in the first three months.
• Earn 2 points per dollar spent up to $5,000 per statement period and 1 point per dollar on payments over that limit.
• No cap on reward points.
• Flexible rewards points can be redeemed for frequent flyer points, gift cards or as ANZ cashback.
• Purchases interest rate and cash advance rate are also high, as expected with a premium card.
• Minimum credit limit: $15,000.
• Add up to nine additional cardholders, by paying a small annual fee for each card.
• Interest-free period on purchases: Up to 55 days
• Seven complimentary insurance policies, including overseas travel
• Access to exclusive invitation-only unique entertainment, food, and lifestyle events.
• Annual fee: $0 first year, but a high fee thereafter.
• Interest on purchases and cash advances: The usual high rate found on premium cards.
• Supplementary cards incur a small annual fee.
• Overseas transaction fees apply, both in-person and online.
• Huge number of bonus points for new cardholders who meet a reasonable spending target.
• Attractive ongoing rewards : High points earning rate with threshold but no absolute cap.
• $0 annual fee in the first year.
• Flexibility for redeeming points: Points can be redeemed for gift cards, merchandise, flights and cashbacks, among other things.
• Travel and other perks, including complimentary insurance cover.
• Access to exclusive invitation-only events.
• Longer Interest-free period on purchases: Up to 55 days, not the shorter 44 days some cards offer.
• $0 annual fee reverts back to standard high fee after the first year.
• Supplementary cards attract an additional annual fee.
• High interest rates on purchases, balance transfers and cash advances.
• Overseas transaction fees apply.

You can apply online and it takes just a few minutes to complete the application if you have all your information at hand. Once you submit your application, you’ll get a response in under a minute with an online application reference number.

You may be contacted for more information, if necessary. If your application is approved, you will get your new card within five business days.

What information do you need to keep at hand when applying?

• Your contact details
• Your Australian driver’s licence
• Details about your income, expenses, assets and debts
• Two of the most recent pay slips to use for income verification
• If self-employed, you may be asked for tax returns and your accountant’s contact details.

The ANZ Rewards Black Credit Card is not the only premium rewards card with travel-related benefits on the market. Before making your decision, it’s worth comparing it with the following alternatives.

NAB Qantas Rewards Signature Card

• Earn up to 120,000 bonus Qantas Points. Receive 90,000 bonus points when you spend $3,000 in the first 60 days from account approval date and 30,000 bonus points when you keep your card open for over 12 months. Terms and conditions apply.
• Enjoy 0% on balance transfers for 12 months with 3% Balance Transfer Fee.
• Reduced first-year annual fee of $295 p.a. instead of $395 p.a. (saving you $100).
• Complimentary Qantas Frequent Flyer membership fee valued at $99.50.
• Six complimentary insurances when you make an eligible purchase.
• Earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period then 0.05 pts per $1 spent thereafter (capped at $20,000).
• Annual fee of $395 p.a. is quite high.

American Express Explorer Credit Card

• Receive 50,000 Bonus Membership Rewards Points when you apply, are approved, and spend $4,000 on your new Card within the first 3 months. T&Cs apply. New Amex Card Members only.
• Receive a $400 Travel Credit each year towards any flights, hotels, and car hire when you book online with this card.
• Includes complimentary domestic & international travel insurance.
• The 50,000 bonus Membership Rewards Points when approved and reach spend requirement within the first 3 months.
• Receive a $400 travel credit every year.
• Earn 2 Membership Rewards points per $1 spent on purchases except for government bodies in Australia where you will earn 1 point per $1 spent (uncapped).
• Get two complimentary entries per year to The Centurion® Lounge.
• The $395 p.a. annual fee.

American Express Qantas Ultimate Credit Card

• Receive 60,000 bonus Qantas Points when you apply by 28 May 2024 are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months. T&Cs apply. New Card Members only.
• Get 2 complimentary Qantas Club lounge invitations each year.
• $450 Qantas Travel Credit each year (conditions apply).
• Earn 60,000 bonus Qantas Points when you meet the criteria.
• Excellent earn rates on everyday spending. Earns points on payments to the ATO.
• Access to The Centurion® Lounge. after your first card spend on the card for Qantas products and services each anniversary year.
• 2 complimentary Qantas Club lounge invitations each year.
• Add cards for up to four family and friends at no cost.
• The annual fee of $450.
• There is no concierge service, even though it's a high end card.
• Balance transfers are not possible.
• Transactions in a foreign currency attract a fee.

American Express Velocity Platinum Credit Card

• Receive 100,000 bonus Velocity Points when you apply by 15 May 2024, are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months. Available to new Amex Card Members only.
• Complimentary Virgin Australia return Economy domestic flight between selected cities each year after your first Card spend each anniversary year.
• Enjoy 2 complimentary Virgin Australia lounge passes each anniversary year at selected domestic airports.
• Receive up to 100,000 bonus Velocity Points when you meet the criteria.
• Receive 100 Velocity Frequent Flyer Status Credits, when you spend a minimum of $50,000 within your card membership year.
• Complimentary domestic and international travel insurance.
• Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.
• Add up to 4 additional cardholders for free.
• The interest rates applied to balances carried over is on the high end.
• There is no balance transfer offer on this card.

Westpac Altitude Black Credit Card (Altitude)

• Earn up to 150,000 bonus Altitude Points. Receive 100,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
• Initial $150 p.a. annual fee ($295 p.a. thereafter), applicable to new cardholders only.
• Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
• Earn up to 150,000 bonus Altitude Points when you meet the criteria.
• Additional savings with the $150 first-year annual fee ($295 p.a. thereafter).
• Earn 1.25 points per $1 spent on eligible purchases
• Get 2 complimentary lounge passes each year with Priority Pass.
• The high annual fee of $295 p.a. after the initial year.

St.George Amplify Signature Credit Card (Amplify)

• Earn up to 150,000 Bonus Amplify Rewards Points when you spend $12,000 on eligible purchases within the first 12 months from card approval.
• $199 card fee for the first year ($295 p.a thereafter).
• 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on amounts transferred.
• Includes complimentary overseas travel insurance for up to 6 months
• The 150,000 bonus Amplify Rewards Points.
• Save $96 with the $199 card fee for the first year.
• Enjoy 2 complimentary Priority Pass lounge visits each year when you enroll in Priority Pass.
• Comes with concierge services.
• After the initial year, the annual fee is $295 p.a.
• There is a 1% balance transfer fee.

How do I improve my credit score?

If you have a credit card, using it responsibly is a good way to build up your credit score. This will help you get better deals for credit cards and other financial products. Irresponsible use of credit cards can damage your credit score.

Here are some ideas on how to improve your credit score over time:

• Check your credit file by checking your score.
• Go through the credit report periodically to see that it is fair and accurate.
• Remove any significant inaccuracies from your credit report.
• Use services offered by your bank such as automated payments to avoid penalties.
• Have a credit card and keep your debt-to-credit ratio low by using less than your total available credit. Instead of always borrowing up to the credit limit, you may want to ask for an increased credit limit and borrow well below that limit to improve your credit score.
• Avoid applying for too many credit cards at once.
• Make timely payment on your loans and credit card and avoid penalties.
• Be reliable and prompt with payments to demonstrate your creditworthiness to potential lenders.
• Using different types of credit responsibly – such as car loans , home loans and credit cards – will help raise your credit score.
• Instead of closing rarely used credit cards, keep the account open. (Check the annual fees first!)
• Avoid changing jobs and houses frequently because it comes out as a sign of instability and lack of staying power.

Learn more ways to improve your credit score with our handy guide.

What are credit reporting bodies?

Credit reporting bodies or agencies are independent organisations that use secure means to gather and distribute credit and personal information about people and businesses to financial institutions. These reports are used by banks and other lenders in making their lending decisions.

What is a 'good' credit score in Australia?

Different credit reporting bodies – illion, Equifax and Experian – use different credit scoring systems. Experian and illion use a system where the highest score is 1000. Equifax has a top score of 1200.

Here's how they define good, very good and excellent credit scores for Australians:

What credit reporting bodies does ANZ use?

ANZ gives information to, and uses information from, three credit reporting bodies in Australia: Equifax, illion and Experian.

My application for a card was declined. Will this affect my credit score and report?

Declined loans and credit applications will affect your credit score because they were most likely preceded by a ‘hard enquiry’ on your credit file from the card issuer. Such enquiries may lower your score by one to five points, but will only impact your credit score for about a year. However, this record will remain in your credit file for two years. That is why ANZ Rewards Black Card and other credit cards from ANZ (and most other credit card companies) say that not applying for multiple credit cards recently is an eligibility criterion.

What are ‘everyday purchases’?

When credit card companies say ‘everyday purchases’ they are referring to general living expenses and meal and entertainment expenses.

Basically it includes things people spend on regularly, such as:

• Your weekly groceries
• Fuel expenses for your car
• Telephone, gas and electricity bills
• Water rates and council rates
• Movie tickets
• Shopping for clothes
• Subscriptions for internet, streaming services, mobile phone plans, magazines
• Gym membership
• Insurance for health, life, car, home, pets etc.

Are there some things I can't use my card for?

ANZ credit card conditions of use say that the following transactions/payments may be blocked:

• Gambling transactions
• Transactions that may breach any laws or regulations in Australia or any other country
• Transactions that involve ‘any person (natural, corporate or
• governmental) that is itself sanctioned or is connected, directly or indirectly, to any person that is sanctioned under economic and trade sanctions imposed by the United Nations, the European Union or any country’.
• Transactions that may directly or indirectly involve the proceeds of, or be applied for the purposes of, unlawful conduct.

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Some of the products and services listed on our website are from partners who compensate us. This may influence which products we compare and the pages they are listed on. Partners have no influence over our editorial staff.

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