- Sign in
- Write a review
ANZ Rewards Black
Pros
180,000 bonus Reward Points on offer
$0 Annual Fee in the first year
Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period (1 Reward Point per $1 thereafter)
Complimentary Travel and Shopping Insurances, including Overseas Travel and Medical Insurance
Cons
$375 Annual Fee
3% Foreign Transaction Fee
Minimum Credit Limit of $15,000 may be too high for you
Details
| Category | Rewards Credit Cards |
|---|---|
| Card Type | Visa |
| Benefits | Cashback Offer, Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer |
| Minimum Credit Limit | $15,000 |
| Minimum Income | $75,000 |
| Additional Cardholders | 9 |
| Additional Cardholder Fee | $65 p.a. |
| Minimum Repayments | 2.5% |
| Rewards Program | ANZ Rewards |
| Points Earn Rate | 2 points per $1 |
| Points Conditions |
There is no cap on earn rate. |
| Contactless Payments | Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay |
| Rates & Fees | |
| Purchase Rate | 20.24% p.a. |
| Cash Advance Fee | 2% |
| Late Payment Fee | $20 |
| Annual Fee | $375 p.a. |
| Foreign Transaction Fee | 3% |
| Overseas ATM Withdrawal Fee | $5 |
| Interest Free Period | 55 days |
| Cash Advance Rate | 20.24% p.a. |
| Introductory Offers | |
| Sign-Up Bonus | Receive 180,000 points when you spend $2,000 in the first 3 months |
| Reduced First Year Annual Fee | $0 |
Reviews
Best rewards program
Best card I have ever had. You accumulate points quickly and you can redeem for giftcards as well. And no annual fee for the first year is greatplus bonus 180k
Best card we have owned
This is probably the best card we have used. Great credit limit, low fees and the support via telephone is quick and no waiting queues.
We used this card in NZ a few weeks back and had no issues. The fees were reasonable. We have banked with ANZ for at least 2 decades now.
The points system is good. Basically, the way we see it is we do our normal shopping and earn points, therefore, get free things :)
The reviewer stated that an incentive was offered for this review
Works well for me
I never previously had a Credit Card before. The only reason i have the card is mainly for the points system. I had a 75000 rewards points scheme.
I have used the Card overseas. I just called the bank before we departed and had no issues with it.
Points system is so easy, i have redeemed heaps of gift vouchers.
The reviewer stated that an incentive was offered for this review
Find out how ANZ Rewards Black compares to other Rewards Credit Cards
Know better, choose better.
- 11 reviews
- 1 like
Good Rewards Credit Card
Rewards program is easy to use and the electronic gift cards come immediately. Great option if they are offering extra points upon sign up or if it comes free with your home loan or other services you have with them. Points per dollar is quite good as well. Also great for travel insurance as it comes with the card and is quite easy ti claim.
- 8 reviews
- 4 likes
Good limit, Travel Insurance included, Good rewards
Been using ANZ Black Rewards credit card since 2015. Initial 1 year was without any annual fee and came with an offer of 75,000 points if I spend $7500 in 3 months which I did. I've been able to extract approx. $800 dollars based on redwards dollars accumulated since 2015.
Had an instance where I'd to cancel overseas ai travel and was able to get a pending refund of fees which was not refunded by the air travel agency. It happened over 2 phone calls to QBE which manages or cover insurance on ANZ credit cards.
As this card is attached to my mo...
Read morertgage, I'm able to get ANZ home loan specialists to waive the annual fee as part of annual interest rate revision. If you are getting this card with conditions that the annual fee can be waived then its a good card otherwise check other credit cards.Related Articles
How to get in front of credit card debt with a credit card balance transfer.
Credit card balance transfers are becoming an increasingly popular way for people with growing credit card debts to manage their finances. But are they really a magic bullet? We're going to look at the ins and outs of credit balance transfers, so you can find the best way to manage credit card debt and get your finances back in the black.
Best Super Funds in 2020!
A good super fund can make a substanial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the best super funds of 2020!
Best Credit Cards in 2020!
Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the best credit cards this year, as decided by ProductReview.com.au reviewers.
- 5 reviews
- 4 likes
ANZ rewards black insurance - brilliant
Recently made a claim for travel insurance received on my rewards black card. The best turnaround time I have ever received. Under 2 hours total turn around time to accept and pay the claim. Thank you. Amazing
- 10 reviews
- 1 like
Fees and less service.
I have the ANZ black and used to have the Amex tied to this - ANZ decided to stop that relationship but did not reduce the fees - so now you get less and pay the same. This has bothered me for a long time and despite looking at other options the banks all work so hard to make the limits on things non comparable. I haven't changed as its confusing. The RC into Banking is still happening but some of these basic issues don't have a bleeding heart story attached to them so no one hears or cares.
- 6 reviews
Complementary airport lounge.
I recently travelled to New Zealand. I thought I would utilise the "complementary airport lounge passes" through my ANZ REWARDS BLACK card. .
After calling ANZ to find out which company they use, I signed up with Veloce. Only to discover they had no lounges in both New Zealand or Australia. (ANZ Bank = Australia, New Zealand)
After browsing through the Veloce website to see where they do have lounges I was very disappointed to also see they don't have one on Bali either.
It is a well known fact that Australian's top travel destinations are N...
Questions & Answers
Sorry, there are no questions yet.
Get an answer from our members
Other Rewards Credit Cards
Commonwealth Bank Awards
3.5(85)
American Express Explorer
4.0(15)
St. George Amplify Signature
3.6(18)
NAB Rewards Signature
3.7(3)
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.