ANZ Rewards Black
$375 first year annual fee
130,000 points
$15,000 min limit
2.00 points per dollar
Spend $5,000 in 90 days
Offer Details
Premium
First Year Points
130,000 points
ANZ
Second Year Points
50,000 points
With $375 annual fee
Minimum Spend
$5,000
within 3 months
Cash Bonus
$100Cashback
Ongoing Earn Rate
2.00x points per $1 spent
Fees
First Year Annual Fee
$375
Ongoing Annual Fee
$375
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
Travel Insurance
Complimentary travel insurance including cover for rental vehicle excess in Australia when travel is purchased using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Purchase Protection Insurance
Complimentary Purchase Protection Insurance available when purchases are made using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Extended Warranty Insurance
Complimentary Extended Warranty Insurance available on purchases made using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Buy Now Pay Later
ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.
Concierge Service
24/7 personal concierge service available for domestic and international restaurant or hotel bookings, gift ideas, travel recommendations, and more. Contact via phone.
Balance Transfer Offers
Balance transfer facility available to transfer outstanding balances from eligible non-ANZ credit or store cards to consolidate debts into one repayment. Conditions apply.
Digital Wallet Integration
ANZ credit card is compatible with digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay. Digital cards are available for faster replacement.
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Moderate
●●○$56 per day required
First Year Cost
$375
annual fee
Earn Rate
Excellent
●●●●2.00x ANZ points per $1
Did this help you make a decision?
$355 of profit after meeting spend requirements
+ $630 Woolworths gift cards
+ $100 cashback extra bonus
- $375
annual fee
$500
x 1
$130
x 1
in Woolworths gift cards, $630 total, with 100 points remaining.
$100
x 6
$20
x 1
in Coles gift cards, $620 total, with 200 points remaining.
OzBargain discussion for this card
History
23 Sep 2025
2 changes
Ozbargain Link:
https://www.ozbargain.com.au/node/943051
Bonus:
110,000130,000
11 Mar 2025
4 changes
Bonus:
180,000110,000
Bonus Cash:
$150$100
Second Year Bonus:
050,000
Spend For Bonus:
3,0005,000
22 Jan 2025
2 changes
Interest Rate:
20.0020.99
Bonus Cash Description:
Credit on cardCashback
- Bonus increased from 150k to 180k3 years ago
- Bonus increased from 80k to 150k, $150 cashback added, spend increased to from $2k to $3k3 years ago
- 2022-07-224 years ago
- Bonus decreased from 180,000 to 80,000. Overall profit reduced from $820 to $370.4 years ago