ANZ Rewards Black

credit cardexisting customers

Rewards Black is a credit card from ANZ, as the bank publishes it in its product data. Its purchase rate is 22.49% and its card fee $320 a year.

What the feed states

Purchase rate

22.49%

Cash advance rate

23.49%

Interest-free days

up to 44

Card fee

$320 a year (Account Service Fee)

Cash advance fee

3.5%

Late payment fee

$20

Additional cardholder fee

$10

Balance transfer offer

0.00% for 18 months (3% fee, then 23.49%); for existing customers

Balance transfer rate otherwise

23.49%

Rewards programme

ANZ Rewards Points

Complimentary insurance

International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess in Australia Insurance; Extended Warranty Insurance; Purchase Protection Insurance

Digital wallets

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Instalment plans

offered

Additional cardholders

up to 9

Credit limit

from $15,000

Minimum age

18

Scheme

Visa

Conditions and offers

• 0.00% on balance transfers for 18 months, 3% transfer fee, then 23.49% (the balance transfer rate)
• credit limit from $15,000
• the best offer is for existing customers
• rewards programme fee $55 a year on top of the card fee
• 3.5% overseas transaction fee
• cash advance fee 3.5%, minimum $4, maximum $50
• Australian or New Zealand citizen, permanent resident, or more than 12 months left on a visa
• minimum credit limit falls from $15,000 to $5,000 on 15 November 2026
• 2 points per $1 up to $5,000 a statement period, 1 up to $50,000, none above
• $10 additional cardholder fee and $55 Rewards Program Services Fee for each additional cardholder

Who can apply, in the bank's words

• 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 othe…

About this card

Our highest Reward Points earning potential

Data

• ANZ's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-27.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/anz.json: this issuer's cards as JSON; ANZ's page lists them.
• The bank last updated this record on 2026-10-27; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at ANZ

• Business 55 Interest Free Days credit card, 17.74%, $150 a year
• Business Black credit card, 20.24%, $300 a year
• Business Low Rate credit card, 12.99%, $100 a year
• First credit card, 22.49%, $30 a year
• Frequent Flyer Black credit card, 22.49%, $370 a year
• Frequent Flyer Platinum credit card, 22.49%, $240 a year
• Low Rate credit card, 13.74%, $58 a year
• Platinum credit card, 22.49%, $87 a year
• Qantas Business Rewards credit card, 20.24%, $300 a year
• Rewards Platinum credit card, 22.49%, $94 a year