{
  "snapshot_at": "2026-10-27T23:35:21Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "6396b1bd-1c47-9c28-59b8-6847f208a9a7",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/6396b1bd-1c47-9c28-59b8-6847f208a9a7",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/6396b1bd-1c47-9c28-59b8-6847f208a9a7'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.anz.com.au/personal/credit-cards/rewards/black/?CID=af:obank:cc#eligibility",
      "feesAndPricingUri": "https://www.anz.com.au/personal/credit-cards/rewards/black/?CID=af:obank:cc#rates",
      "overviewUri": "https://www.anz.com.au/personal/credit-cards/rewards/black?CID=af:obank:cc",
      "termsUri": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:cc"
    },
    "applicationUri": "https://www.anz.com.au/personal/credit-cards/rewards/black/",
    "brand": "ANZ",
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "imageUri": "https://www.anz.com.au/content/dam/anzcomau/external/images/open-banking/rewards-black-2016.jpg",
        "title": "ANZ Rewards Black"
      }
    ],
    "description": "Our highest Reward Points earning potential",
    "isTailored": false,
    "lastUpdated": "2026-10-27T22:00:00.000Z",
    "name": "ANZ Rewards Black",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "productId": "6396b1bd-1c47-9c28-59b8-6847f208a9a7",
    "bundles": [],
    "constraints": [
      {
        "additionalValue": "15000.00",
        "constraintType": "MIN_LIMIT"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "additionalInfo": "You must be 18 years of age or older to apply",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalValue": "be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "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 other offer eligibility criteria.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Up to 9 additional cardholders for an annual fee of $65 per additional cardholder.",
        "additionalInfoUri": "https://www.anz.com.au/personal/credit-cards/rewards-black/",
        "additionalValue": "9",
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
        "additionalValue": "International Travel Insurance",
        "featureType": "INSURANCE"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
        "additionalValue": "Domestic Travel Insurance",
        "featureType": "INSURANCE"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
        "additionalValue": "Rental Vehicle Excess in Australia Insurance\t",
        "featureType": "INSURANCE"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
        "additionalValue": "Extended Warranty Insurance",
        "featureType": "INSURANCE"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
        "additionalValue": "Purchase Protection Insurance",
        "featureType": "INSURANCE"
      },
      {
        "additionalInfo": "Up to 44 days interest free days on purchases",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf",
        "additionalValue": "P44D",
        "featureType": "INTEREST_FREE"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/manage-your-card/digital-wallets/apple-pay/",
        "additionalValue": "Apple Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/manage-your-card/digital-wallets/google-pay/",
        "additionalValue": "Google Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/manage-your-card/digital-wallets/samsung-pay/",
        "additionalValue": "Samsung Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/manage-your-card/digital-wallets/google-pay/",
        "additionalValue": "Fitbit Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/manage-your-card/digital-wallets/garmin-pay/",
        "additionalValue": "Garmin Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfo": "Access using ANZ Internet Banking or ANZ App",
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/payments/bpay/",
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "ANZ Reward Points you will earn on eligible purchases:\n• 2 Reward Points per $1 spent on eligible purchases up to and including $5,000 per statement period.\n• 1 Reward Point per $1 spent on eligible purchases over $5,000 up to and including $50,000 per statement period.\n• No ANZ Reward Points earned over $50,000 per statement period.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf",
        "additionalValue": "ANZ Rewards Points",
        "featureType": "LOYALTY_PROGRAM"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/personal/credit-cards/balance-transfer/",
        "featureType": "BALANCE_TRANSFERS"
      },
      {
        "additionalInfo": "ANZ Falcon provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.",
        "additionalInfoUri": "https://www.anz.com.au/security/how-we-protect-you/credit-card/",
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "From 2 December 2025, ANZ Instalment Plans will no longer be offered on eligible ANZ Credit Cards. From this date, customers will not be able to set up new ANZ Instalment Plans for eligible credit card purchases or balances.\n\nIf you have an active ANZ Instalment Plan as of 2 December 2025, it will not be affected by this change. You can continue to view and manage your active ANZ Instalment Plans and make instalment payments via the ANZ App.",
        "additionalInfoUri": "https://www.anz.com.au/promo/personal/credit-cards/instalment-plans/",
        "featureType": "INSTALMENT_PLAN"
      },
      {
        "additionalInfo": "Existing card offer 0% p.a. Balance Transfer rate for an 18-month promotional period on transfers from non-ANZ store or credit cards to your existing ANZ credit card with a 3% Balance Transfer Fee Offer applies to any existing ANZ credit card Simple transfer form, using promo code: BT200 Reverts to the standard balance transfer rate, currently 23.49% p.a. after 18 months. Existing customers only. T&Cs and eligibility criteria apply. The standard balance transfer rate of 23.49% p.a. is current as at today's date and is subject to change. If the promo code is not included in the application form, then the standard balance transfer rate may apply.",
        "additionalInfoUri": "https://www.anz.com.au/personal/credit-cards/balance-transfer/",
        "additionalValue": "P18M",
        "featureType": "INTEREST_FREE_TRANSFERS"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Annual service fee for the credit card account",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "320.00"
        },
        "name": "Account Service Fee"
      },
      {
        "additionalInfo": "Annual service fee for membership of the Rewards program",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "55.00"
        },
        "name": "Rewards Program"
      },
      {
        "additionalInfo": "Annual service fee for each additional cardholder",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Additional Cardholder Account Service"
      },
      {
        "additionalInfo": "Annual service fee for each additional cardholder's membership of the Rewards program",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "55.00"
        },
        "name": "Additional Cardholder Rewards Program"
      },
      {
        "additionalInfo": "We charge 3.5% of any overseas transaction using your ANZ Credit Card. The amount on which the fee is charged may \ninclude fees and other charges related to the overseas transaction (excluding any Cash Advance Fee that may be charged). \nOverseas Transaction Fees are not charged on ANZ Rewards Travel Adventures Credit Cards. \nSee your letter of offer for details (including how we calculate the fee and when it applies)",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "PURCHASE",
        "name": "Overseas Transaction Fee",
        "rateBased": {
          "rate": "0.035",
          "rateType": "TRANSACTION"
        }
      },
      {
        "additionalInfo": "We charge an Overlimit Fee if: \n• we allow you to exceed your credit limit so that a debit can be processed; and \n• you have consented to being charged the Overlimit Fee (or if your account was opened before 18 June 2012, you have \nnot opted out of the overlimit fee, or if you have opted out, you have since consented), and have not withdrawn that \nconsent, at the time we allow the overlimit. \nThe Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [
          {
            "additionalInfo": "The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account.",
            "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
            "description": "The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account.",
            "discountMethodUType": "fixedAmount",
            "discountType": "ELIGIBILITY_ONLY",
            "eligibility": [
              {
                "additionalInfo": "The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account.",
                "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
                "discountEligibilityType": "OTHER"
              }
            ],
            "fixedAmount": {
              "amount": "20.00"
            }
          }
        ],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "20.00"
        },
        "name": "Overlimit Fee"
      },
      {
        "additionalInfo": "We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "50.00"
        },
        "name": "Priority Fee"
      },
      {
        "additionalInfo": "We may charge a Balance Transfer Fee on any promotional Balance Transfer offers you accept in the future. Details of the fee will be set out in the terms of the offer.",
        "additionalInfoUri": "https://www.anz.com.au/personal/credit-cards/manage-my-card/rates-fees-terms/",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "EVENT",
        "name": "Balance Transfer Fee",
        "rateBased": {
          "rate": "0.03",
          "rateType": "TRANSACTION"
        }
      },
      {
        "additionalInfo": "We may charge an Instalment Plan Fee on any promotional Instalment Plan offers you accept in the future. Details of the fee will be set out in the terms of the offer (and may for example be for a fixed amount or calculated as a percentage of the balance being transferred to the Instalment Plan)",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/pdf/anz-instalment-plan-tcs.pdf",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "OTHER",
        "name": "Instalment Plan Fee",
        "variable": {}
      },
      {
        "additionalInfo": "Any transaction on your account which is a Cash Advance attracts a fee. The fee applies even if your account has a positive balance. A Cash Advance is not just a cash withdrawal. Transactions which are Cash Advances are described in ANZ’s Credit Cards Conditions of Use.\nWe charge a 3.5% fee, subject to:\n• a minimum fee of $4; and\n• a maximum fee of $50.\nSee your letter of offer for details as to how we calculate the fee. For ANZ Rewards Travel Adventures cards, we won’t charge a Cash Advance Fee on cash withdrawals made from a branch or ATM located outside Australia.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "CASH_ADVANCE",
        "name": "Cash Advance Fee",
        "rateBased": {
          "amountRange": {
            "feeMaximum": "50.00",
            "feeMinimum": "4.00"
          },
          "rate": "0.035",
          "rateType": "TRANSACTION"
        }
      },
      {
        "additionalInfo": "We charge a Late Payment Fee if you don’t pay the “Minimum Monthly Payment” plus any amount “Payable Immediately” shown on your statement by the “Due Date” shown on that statement. Late Payment Fees are not charged if you hold an \nANZ Access Basic Account",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
        "additionalValue": "1",
        "currency": "AUD",
        "discounts": [
          {
            "additionalInfo": "Late Payment Fees are not charged if you hold an  ANZ Access Basic Account",
            "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
            "description": "Late Payment Fees are not charged if you hold an  ANZ Access Basic Account",
            "discountMethodUType": "fixedAmount",
            "discountType": "ELIGIBILITY_ONLY",
            "eligibility": [
              {
                "additionalInfo": "Late Payment Fees are not charged if you hold an ANZ Access Basic Account.",
                "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf",
                "discountEligibilityType": "OTHER"
              }
            ],
            "fixedAmount": {
              "amount": "20.00"
            }
          }
        ],
        "feeMethodUType": "fixedAmount",
        "feeType": "LATE_PAYMENT",
        "fixedAmount": {
          "amount": "20.00"
        },
        "name": "Late Payment Fee"
      }
    ],
    "lendingRates": [
      {
        "additionalInfo": "Rates are subject to change",
        "additionalInfoUri": "https://www.anz.com.au/personal/credit-cards/manage-my-card/rates-fees-terms/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "PURCHASE",
        "loanPurpose": "OTHER",
        "rate": "0.2249",
        "repaymentType": "OTHER",
        "tiers": []
      },
      {
        "additionalInfo": "Rates are subject to change. The interest rate that applies to cash advances is currently equivalent to the interest rate that applies to standard balance transfers.",
        "additionalInfoUri": "https://www.anz.com.au/personal/credit-cards/manage-my-card/rates-fees-terms/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "CASH_ADVANCE",
        "loanPurpose": "OTHER",
        "rate": "0.2349",
        "repaymentType": "OTHER",
        "tiers": []
      },
      {
        "additionalInfo": "Rates are subject to change",
        "additionalInfoUri": "https://www.anz.com.au/personal/credit-cards/manage-my-card/rates-fees-terms/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "BALANCE_TRANSFER",
        "loanPurpose": "OTHER",
        "rate": "0.2349",
        "repaymentType": "OTHER",
        "tiers": []
      },
      {
        "additionalInfo": "Balance Transfer rate for an 18-month promotional period on transfers from non-ANZ store or credit cards to your existing ANZ credit card with a 3% Balance Transfer Fee Offer applies to any existing ANZ credit card Simple transfer form, using promo code: BT200 Reverts to the standard balance transfer rate, currently 23.49% p.a. after 18 months. Existing customers only. T&Cs and eligibility criteria apply. The standard balance transfer rate of 23.49% p.a. is current as at today's date and is subject to change. If the promo code is not included in the application form, then the standard balance transfer rate may apply.",
        "additionalInfoUri": "https://www.anz.com.au/personal/credit-cards/balance-transfer/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "BALANCE_TRANSFER",
        "loanPurpose": "OTHER",
        "rate": "0.00",
        "repaymentType": "OTHER",
        "tiers": [
          {
            "additionalInfo": "Balance Transfer rate for an 18-month promotional period on transfers from non-ANZ store or credit cards to your existing ANZ credit card with a 3% Balance Transfer Fee Offer applies to any existing ANZ credit card Simple transfer form, using promo code: BT200 Reverts to the standard balance transfer rate, currently 23.49% p.a. after 18 months. Existing customers only. T&Cs and eligibility criteria apply. The standard balance transfer rate of 23.49% p.a. is current as at today's date and is subject to change. If the promo code is not included in the application form, then the standard balance transfer rate may apply.",
            "additionalInfoUri": "https://www.anz.com.au/personal/credit-cards/balance-transfer/",
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance Transfer rate for an 18-month promotional period on transfers from non-ANZ store or credit cards to your existing ANZ credit card with a 3% Balance Transfer Fee Offer applies to any existing ANZ credit card Simple transfer form, using promo code: BT200 Reverts to the standard balance transfer rate, currently 23.49% p.a. after 18 months. Existing customers only. T&Cs and eligibility criteria apply. The standard balance transfer rate of 23.49% p.a. is current as at today's date and is subject to change. If the promo code is not included in the application form, then the standard balance transfer rate may apply.",
                "additionalInfoUri": "https://www.anz.com.au/personal/credit-cards/balance-transfer/",
                "rateApplicabilityType": "EXISTING_CUST"
              }
            ],
            "maximumValue": "18",
            "minimumValue": "1",
            "name": "Existing Card Offer",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "MONTH"
          }
        ]
      }
    ]
  }
}