ANZ Rewards Black

Fees

Benefits

• Concierge Service

  More detailsLess details

  24/7 ANZ Personal Concierge for domestic and international restaurant and hotel bookings, gift ideas and travel recommendations; call 1300 580 765 or +61 2 7907 0805

• Digital Wallet Integration

  More detailsLess details

  Compatible with mobile payments on eligible devices, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay

  Learn more
• Digital Card Issuance

  More detailsLess details

  Digital cards available for use in a digital wallet and issued faster than a posted replacement card

• Points Transfer Benefits

  More detailsLess details

  ANZ Reward Points can be transferred to partner programs: Velocity Points, Asia Miles, Airpoints Dollars, KrisFlyer miles, Everyday Rewards points and World360 Rewards points

• Online Banking Features

  More detailsLess details

  ANZ Falcon provides 24/7 anti-fraud monitoring; account managed via the ANZ App and ANZ Internet Banking, including Visa Secure for online shopping

• Interest Free Periods

  More detailsLess details

  Up to 55 interest-free days on the Purchases balance when the Closing Balance (or Adjusted Closing Balance) is paid in full by the Due Date; no interest-free period applies to amounts enrolled in a Promotional Plan

  View policy →
• Installment Plans

  More detailsLess details

  ANZ Instalment Plan at Checkout splits an eligible purchase amount into 3, 6, 9 or 12 monthly instalments, requested at checkout; a Setup Fee may apply and the Checkout Plan interest rate is 0% p.a. where a Setup Fee applies

  View policy →
• Buy Now Pay Later

  More detailsLess details

  Buy Now Pay Later Plan requires no repayment of an agreed amount and charges no interest on that amount for a specified period

  View policy →
• Balance Transfer Offers

  More detailsLess details

  Balance transfers of outstanding balances from non-ANZ credit or store cards can be consolidated to the Credit Card Account under a Promotional Balance Transfer Plan

  View policy →
• Travel Insurance

  Up to $20,000,000 cover · trips up to 180 days

  More detailsLess details

  Complimentary international travel insurance for ANZ Black cardholders for journeys up to 6 consecutive months when at least $250 of prepaid travel costs are charged to the card account and a return overseas travel ticket is held; includes up to $20 million overseas emergency medical and assistance cover, plus domestic travel insurance

  View policy →
• Rental Vehicle Insurance

  More detailsLess details

  Rental Vehicle Excess Insurance in Australia covers rental vehicle excess for damage or theft up to $5,000 (or the amount in the rental agreement, whichever is lesser) when the entire rental is charged to the card account; $100 excess per claim

  View policy →
• Purchase Protection Insurance

  More detailsLess details

  Covers items purchased on the card against theft, accidental damage or permanent loss for 90 days from purchase, up to $10,000 per item ($3,500 for jewellery, watches and new works of art) and $135,000 per card account in any 12-month period

  View policy →
• Extended Warranty Insurance

  More detailsLess details

  Extends the manufacturer's Australian warranty by an equal period up to a maximum of one year on items charged in full to the card account, up to $10,000 per item and $10,000 per card account in any 12-month period; no cover where the manufacturer's warranty exceeds five years

  View policy →

Benefit history

• Travel InsuranceUpdated May 2026
• Digital Wallet IntegrationUpdated May 2026
• Balance Transfer OffersUpdated May 2026
• Concierge ServiceUpdated May 2026
• Buy Now Pay LaterUpdated May 2026
• Extended Warranty InsuranceUpdated May 2026
• Purchase Protection InsuranceUpdated May 2026