ANZ Rewards Black
$375 first year annual fee
110,000 points
$15,000 min limit
2.00 points per dollar
Spend $5,000 in 90 days
Summary
Premium
Key Highlights
- • 110,000 bonus points
- • $375 annual fee
- • 2.00x points per $1
Offer Details
Signup Bonus
110,000 points
ANZ
Minimum Spend
$5,000
within 3 months
Cash Bonus
$100Cashback
Ongoing Earn Rate
2.00x points per $1 spent
Second Year Bonus
50,000 points
With $375 annual fee
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.
Expert Analysis
Bonus Difficulty
Moderate
●●○$56 per day required
First Year Cost
$375
annual fee
Earn Rate
Excellent
●●●●2.00x ANZ points per $1
RWRDS Insight
This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.
I'd like to use my 120,000 bonus points for:
History
11/03/2025
5 changes
Successfully Scraped At:
19/08/2025
Bonus:
180,000110,000
Bonus Cash:
150100
Second Year Bonus:
050,000
Spend For Bonus:
3,0005,000
22/01/2025
2 changes
Interest Rate:
2020.99
Bonus Cash Description:
Credit on cardCashback
- Bonus increased from 150k to 180k2 years ago
- Bonus increased from 80k to 150k, $150 cashback added, spend increased to from $2k to $3k3 years ago
- 2022-07-223 years ago
- Bonus decreased from 180,000 to 80,000. Overall profit reduced from $820 to $370.4 years ago
