ANZ Rewards Black
Snapshot 500 · Offer 2213 · Offer status now: active
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[skip to log on](#skip%5Flogon) [skip to main content](#main%5Fskip)
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Important: Annual interest rate increases from 28 Sept 2026, Cash Advance Fee increases and new Reward Points earn caps from 28 Oct 2026, and complimentary insurance changes from 9 Dec 2026 and 24 Mar 2027\. [Find out more](/personal/credit-cards/card-changes/ "Find more about consumer card changes").
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# ANZ Rewards Black credit card ANZ Rewards Black has the highest ANZ Reward Points earn rate of all our credit cards. This new card offer gives you: ## Up to 180,000 ANZ Reward Points **130,000 extra ANZ Reward Points and $100 back** to your new ANZ Rewards Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval **Plus an additional 50,000 ANZ Reward Points** when you keep the card for over 15 months from activation [Apply online now](https://applyapp.anz.com/choosing-the-right-card/?sourcecode%5F1=OBAI&producttype=RB&schema=cola&appscode=OBAK) You are not eligible for this offer if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375). ## What to expect from this Rewards Black card...
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Important: On and from 28 October 2026, we’re updating the ANZ Rewards – Rewards Program Terms and Conditions and introducing a cap on the total spend on eligible purchases that can earn Reward Points. Total spend on eligible purchases over $50,000 per statement period will not earn Reward Points. [Find out more](/personal/credit-cards/card-changes/).
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### ANZ Reward Points Earn 2 ANZ Reward Points for every $1 spent up to and including $5,000\* Earn 1 ANZ Reward Point for every $1 spent over $5,000\* \*per statement period, eligible purchases only
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### 20.99% p.a. interest rate
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### 20.99% p.a.\* interest rate
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on purchases
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\*Important: On and from 28 September 2026, the standard annual interest rate on purchases will increase to 22.49% p.a. [Find out more](/personal/credit-cards/card-changes/).
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### $15,000 minimum credit limit and you expect you will be able to repay all or most of the closing balance each month ### $375 Annual Fee ## Things to consider * A higher interest rate on purchases compared to the ANZ Low Rate card, so the ANZ Rewards Black card might not be suitable if you only make minimum repayments over a prolonged period * A higher annual fee compared to the ANZ First card and ANZ Rewards Platinum. ## Plus you'll also get...
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Important: Changes will be made to the complimentary insurance available with the ANZ Rewards Black credit card from 24 March 2027\. Complimentary travel insurance will no longer be included with this card, including International Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia. ANZ is also making changes to complimentary insurance across its credit card products, with different changes applying from 9 December 2026 and 24 March 2027 depending on the product. [Find out more](/personal/credit-cards/card-changes/).
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### [Travel insurance](/personal/credit-cards/manage-my-card/complimentary-insurances/) Planning a trip? You may be eligible for complimentary travel insurance, plus cover for rental vehicle excess in Australia, when you purchase travel using your ANZ credit card. T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply. ### [**Insurance on purchases**](/personal/credit-cards/manage-my-card/complimentary-insurances/) Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance and Purchase Protection Insurance. T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply. ### [Interest free days](/personal/credit-cards/credit-card-education/interest-free-periods/) Make the most of your card with interest-free days on eligible purchases when you pay your full Closing Balance (or if applicable, the Adjusted Closing Balance) by the Due Date shown on your statement. ### [24/7 Personal concierge](tel:61279070805) Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more. Call us on [1300 580 765](tel:1300580765) (or [+61 2 7907 0805](tel:61279070805)). ### [ANZ Falcon® fraud protection](/security/how-we-protect-you/credit-card/) ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money. ### [Balance transfers](/personal/credit-cards/balance-transfer/) Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment. ### [Digital wallet compatible](/support/online-banking/manage-your-card/digital-wallets/) An easy way to pay using your ANZ credit card on your compatible mobile device. And, if you need a replacement card, digital cards are faster than the post. --- ## Rates and fees **$15,000** Minimum credit limit
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****Up to 44** Interest-free days on purchases
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**Up to 44** Interest-free days on purchases
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#### Standard interest rates
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**20.99% p.a.** on purchases
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**20.99% p.a.**\* on purchases
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**21.99% p.a.** on cash advances
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\*Important: On and from 28 September 2026, the standard annual interest rate on purchases will increase to 22.49% p.a. [Find out more](/personal/credit-cards/card-changes/).
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**21.99% p.a.** on balance transfers
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**21.99% p.a.** on cash advances
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Important: On and from 28 September 2026, the standard annual interest rate on cash advances will increase to 23.49% p.a. [Find out more](/personal/credit-cards/card-changes/). **21.99% p.a.** on balance transfers Important: On and from 28 September 2026, the standard annual interest rate on standard balance transfers will increase to 23.49% p.a. [Find out more](/personal/credit-cards/card-changes/).
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#### Annual fees
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**$375** Annual Fee (includes $320 Annual Fee and $55 Rewards Program Service Fee)
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**$375** Annual Fee (includes $320 Annual Fee and $55 Rewards Program Service Fee)
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**Up to 9** additional cardholders for an annual fee of $65 per additional cardholder For details about all applicable fees & charges please refer to the [ANZ Credit Cards Conditions of Use (PDF)](/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) and [ANZ Consumer Credit Cards Fees and Charges (PDF)](/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf).
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Important: On and from 28 October 2026 the Cash Advance Fee will increase from 3% to 3.5%, the minimum Cash Advance Fee will increase from $3 to $4, and the maximum Cash Advance Fee will increase from $20 to $50\. [Find out more](/personal/credit-cards/card-changes/).
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## Eligibility ### Who can apply? To apply for an ANZ Rewards Black credit card, you’ll need to: * be 18 years of age or over * be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa * have a good credit rating **Bonus points offer** You are not eligible for the bonus points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. **Not sure if you’re eligible?** Call our credit card specialists on [13 22 73](tel:132273). ## Get started online ### Apply online [Apply online now](https://applyapp.anz.com/choosing-the-right-card/?sourcecode%5F1=OBAI&producttype=RB&schema=cola&appscode=OBAK) **You’ll need:** * Details of your income, expenses, liabilities and assets * Proof of identity. ### Request a call back Need to know more before applying? We’ll call you back within 2 business days to answer any questions and help you complete your application. [Request a call back](/personal/credit-cards/credit-card-quick-start-form/) ## See our other Rewards and Frequent Flyer credit cards
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Important: On and from 28 Oct 2026, we’re introducing a cap on the total spend on eligible purchases that can earn Qantas Points and ANZ Reward Points. [Find out more](/personal/credit-cards/card-changes/).
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### [ANZ Rewards Platinum credit card](/personal/credit-cards/rewards-platinum/) Uncapped ANZ Reward Points earn rate **$6,000** Minimum credit limit **$149** Current annual fee [**See ANZ Rewards Platinum**](/personal/credit-cards/rewards-platinum/) [How to use ANZ Rewards Points](/personal/credit-cards/how-to-redeem-rewards/) Choose between one of these two new card offers: **Earn up to 125,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card** Earn 85,000 extra ANZ Reward Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval and an additional 40,000 extra points when you keep the card for over 15 months from activation. New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). **OR** **Earn up to 80,000 bonus Velocity Points and $50 back to your new ANZ Rewards Platinum card** Switch on auto-redemption to transfer your ANZ Reward Points to Velocity Points within 3 months from approval and keep it on to earn 1) 60,000 bonus Velocity Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval and 2) an additional 20,000 bonus Velocity Points when you keep the card for over 15 months from activation. New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). Auto-redemption must be kept on until points for relevant criteria have been made available for redemption. ### [ANZ Frequent Flyer Black credit card](/personal/credit-cards/frequent-flyer-black/) ANZ's highest Qantas Points earn rate **$15,000** Minimum credit limit **$425** Current annual fee [**See Frequent Flyer Black**](/personal/credit-cards/frequent-flyer-black/) Offer **Earn up to 80,000 bonus Qantas Points** Earn 40,000 bonus Qantas Points with your new ANZ Frequent Flyer Black credit card when you spend $6,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months. You are not eligible for the initial bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425). ### [ANZ Frequent Flyer Platinum credit card](/personal/credit-cards/frequent-flyer-platinum/) Uncapped Qantas Points earn rate **$6,000** Minimum credit limit **$295** Current annual fee [**See Frequent Flyer Platinum**](/personal/credit-cards/frequent-flyer-platinum/) Offer **Earn up to 40,000 bonus Qantas Points** Earn 20,000 bonus Qantas Points with your new ANZ Frequent Flyer Platinum credit card when you spend $3,500 on eligible purchases in the first 4 months from approval. Plus, earn an additional 20,000 bonus Qantas Points when you keep your card for over 12 months. You are not eligible for the initial bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295). ## Ways your credit card is protected ### [ANZ Falcon® fraud protection](/security/how-we-protect-you/credit-card/#falcon) ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money. ### [Fraud money back guarantee](/security/credit-card/#fraud) Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs. ### [Card security microchip](/security/how-we-protect-you/credit-card/#microchip) An embedded card microchip makes it harder for your card to be fraudulently copied. ### [Visa secure](/security/credit-card/#verified) #### (formerly known as Verified by Visa) Some added peace of mind to securely shop online. ### Choose the card for you Compare each card’s features, considerations and fees to help you choose. [Compare credit cards](/personal/credit-cards/compare-cards/) ## Your questions answered ### Rewards Points ### How do I redeem my ANZ Reward Points? You can redeem your Reward Points at the ANZ Rewards website accessed from the ANZ App or ANZ Internet Banking. Alternatively, you can call the ANZ Rewards Centre on [1300 367 763](tel:1300367763), Monday to Friday, 8am to 8pm (AEST). ### What can I redeem my ANZ Reward Points on? You can redeem your ANZ Reward Points for: * [gift cards](https://www.anzrewards.com/gift%5Fcard/listing) at a range of retailers, including Apple, Bunnings, Myer, Woolworths and Uber * [ANZ Cashback](https://www.anzrewards.com/redeem%5Fcash/checkout), 1,250 Reward Points = $5 ANZ Cashback, * [Partner points](https://www.anzrewards.com/transfer/programs), such as Velocity Points, Asia Miles, Airpoints™, KrisFlyer miles, Everyday Rewards points, and World360 Rewards points. ### How do I check how many ANZ Reward Points I have? You can check and redeem your ANZ Reward Points at the [ANZ Rewards website](https://www.anzrewards.com/) accessed from the ANZ app or ANZ Internet Banking. Alternatively, you can call the ANZ Rewards Centre on [1300 367 763](tel:1300367763), Monday to Friday, 8am to 8pm (AEST). ### Do ANZ Reward Points expire? ANZ Reward Points must be used to claim a reward within 36 months of 31 December of the year in which the Reward Points were added to a points record. Reward Points that remain unused after that period will be cancelled. In the event your ANZ Rewards account is closed, any Reward Points that remain unused must be used within 90 days of the date of closure. Reward Points that remain unused after that period will be cancelled. Please refer to the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf) for further conditions on when we may cancel Reward Points. ### What is an eligible purchase? Most every day purchases are eligible purchases. Certain transactions and other items are not eligible to earn ANZ Rewards Points. Examples of transactions and other items which will not earn ANZ Reward Points are interest charges, fees, cash advances, cash equivalent transactions, balance transfers, BPAY or Post BillPay payments, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. For more details of transactions which are not eligible to earn ANZ Reward Points and how these transactions are identified please refer to the [ANZ Rewards Program Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). ### Where can I find more information on the ANZ Rewards Program? Please visit [www.anzrewards.com/faq](https://www.anzrewards.com/faq) for further information.
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### Overseas Transaction Fee change ### What change to refunds for Overseas Transaction Fees is occurring? Effective from **8 December 2025**, where an overseas transaction is reversed (for example, where the transaction was made in error), the associated Overseas Transaction Fee will also be refunded. This will apply to any reversed overseas transactions processed to your account on or from 8 December 2025. ### Will I be refunded the Overseas Transaction Fee for an associated overseas transaction that is _reversed_? Yes. Effective 8 December 2025, where an overseas transaction is reversed (for example where the transaction was made in error), the associated Overseas Transaction Fee **will also be** refunded. It’s important to note that this will apply to reversed overseas transactions processed to your account on or from 8 December 2025. For example, if you make an overseas transaction on 1 November 2025 and the transaction is processed to your account on 4 November 2025, an Overseas Transaction Fee of 3.5% will be charged. If the overseas transaction is **reversed** and processed to your account on or after 8 December 2025, the Overseas Transaction Fee **will also be** refunded. ### **Will I be refunded the Overseas Transaction Fee for an associated overseas transaction that is _refunded_?** No. This change does not impact the existing process where an overseas transaction is refunded (for example where you have returned goods or cancelled services), the associated Overseas Transaction Fee **will not be** refunded. For example, if you make an overseas transaction on 1 November 2025 and the transaction is processed to your account on 4 November 2025, an Overseas Transaction Fee of 3.5% will be charged. If the overseas transaction is **refunded** and processed to your account either before or after 8 December 2025, the Overseas Transaction Fee **will not be** refunded. ### **Do I need to do anything due to the Overseas Transaction Fee change?** There’s no need for you to do anything as this change will automatically be applied to your account. However, it’s important you’re aware of what’s changing and how it impacts you.
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## Help and support ### Getting started [Activate card and set PIN ](/support/online-banking/manage-your-card/activate-card/) [Set up automatic payments ](/ways-to-bank/more/cardpay-direct/) [Add a card to your digital wallet ](/support/online-banking/manage-your-card/digital-wallets/) [Interest rates, fees & terms](/personal/credit-cards/manage-my-card/rates-fees-terms/) ### Using your card [Manage your card ](/support/online-banking/manage-your-card/) [Order a replacement card ](/support/online-banking/manage-your-card/#replace) [Dispute a transaction ](/support/online-banking/account-management/dispute-transactions/) [Decrease limit or close account ](/personal/credit-cards/manage-my-card/reduce-limit-close-account/) [Forms and Documents ](/personal/credit-cards/manage-my-card/forms-documents/) ### Emergency assistance [Lost or stolen cards ](/support/lost-stolen-card/) [Financial assistance ](/support/financial-hardship/) [Gambling help ](/support/services/gambling/) ### Other help topics [Notify us of travel ](/personal/travel-international/guides/credit-card-travel-tips/) [Credit card insurance ](/personal/credit-cards/manage-my-card/complimentary-insurances/) [Redeeming Rewards ](/personal/credit-cards/how-to-redeem-rewards/) ### Boost your credit card knowledge With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Credit Card Education is an online educational series that explores credit card interest, making payments, balance transfers and more. [Learn more about Credit Card Education ](/personal/credit-cards/credit-card-education/) [More Help and Support](/support/) ## Connect with our specialists ### **Call us** Our team are available Monday to Friday from 8am to 8pm (AEST). [Call 13 33 33](tel:133333) [See other contact options ](/support/contact-us/personal-credit-cards/) ### **Locate us** Find your nearest ATM or branch. [Book an appointment](/book-appointment/appointment-booking/) [Find a location or specialist](/locations/) ### **Get help with your application** We're here to answer your application questions and help you get started. [Request a callback](/personal/credit-cards/credit-card-quick-start-form/) ## Important information Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527. Falcon® is a registered trademark of Fair Isaac Corporation.
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The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522\. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available [here for iOS (PDF)](/content/dam/anzcomau/documents/pdf/ANZ-App-Current-Terms-and-Conditions-iOS.pdf) and [here for Android (PDF)](/content/dam/anzcomau/documents/pdf/ANZ-App-Current-Terms-and-Conditions-Android.pdf) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
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The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522\. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. We recommend you read the [ANZ App Terms and Conditions for iOS (PDF)](/content/dam/anzcomau/documents/pdf/ANZ-App-Current-Terms-and-Conditions-iOS.pdf) or [ANZ App Terms and Conditions for Android (PDF)](/content/dam/anzcomau/documents/pdf/ANZ-App-Current-Terms-and-Conditions-Android.pdf) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
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1\. ANZ Reward Points are earned and redeemed in accordance with the [ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the [ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). [Return](#) 2\. Offer available to new and approved applicants who apply for an ANZ Rewards Black credit card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages, or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application, and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the [ANZ Rewards - Rewards Program Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). The 130,000 extra ANZ Reward Points and the $100 will generally be credited to your credit card account within three months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. The 50,000 extra ANZ Reward Points will be credited to the account within 3 months of you retaining the card for over 15 months from the date of activating your card. The 180,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $100 back if your credit card is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months. [Return](#) 3\. For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. [Return](#) 4\. Standard annual interest rate is 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance as at today's date and is subject to change. [Return](#)
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5\. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the [ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF)](/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
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5\. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the [ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF)](/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf) which may be amended from time to time. For insurable events that occur before 9 December 2026 please refer to the [ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF)](/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf) dated 7 June 2024\. For insurable events that occur on or after 9 December 2026 but before 24 March 2027 please refer to the [ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF)](/content/dam/anzcomau/documents/pdf/phase-one-anz-platinum-and-black-complimentary-insurance-booklet.pdf) dated 9 December 2026\. For insurable events that occur on or after 24 March 2027 please refer to the [ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF)](/content/dam/anzcomau/documents/pdf/phase-two-anz-platinum-and-black-complimentary-insurance-booklet.pdf) dated 24 March 2027\. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
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[Return](#) 6\. Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the [ANZ Credit Cards Conditions of Use (PDF)](/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf). Existing customers should review their credit contract for information regarding their account. [Return](#) 7\. The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders. ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice. [Return](#) 8\. Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received. [Return](#) 9\. Mobile payments available on compatible devices and eligible ANZ cards. View the full list at [anz.com/mobilepayments](/support/online-banking/manage-your-card/digital-wallets/). Terms and conditions apply to the use of [Apple Pay (PDF)](/content/dam/anzcomau/documents/pdf/applepay-tcs.pdf), [Google Pay (PDF)](/content/dam/anzcomau/documents/pdf/googlepay-tcs.pdf), [Samsung Pay (PDF)](/content/dam/anzcomau/documents/pdf/samsungpay-Terms-and-Conditions.pdf), [Fitbit Pay (PDF)](/content/dam/anzcomau/documents/pdf/googlepay-for-fitbit-tcs.pdf) and [Garmin Pay (PDF)](/content/dam/anzcomau/documents/pdf/garmin-pay-tcs.pdf). [Return](#) 10\. Conversion calculation correct as of 24 July 2025\. Conversion rates subject to change. Please refer to [ANZ Rewards](https://www.anzrewards.com/) for details of current rates. [Return](#) 11\. ANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Rewards or other ANZ account within 2 business days. Minimum Redemption thresholds apply. [Return](#) 12\. Minimum Redemption thresholds apply. An account holder must be a member of the applicable partner program to redeem ANZ Reward Points for partner points. Membership details must be entered online at time of redemption in order to redeem ANZ Reward Points for partner points under the applicable partner program. See [anzrewards.com](https://www.anzrewards.com/) for details. Refer to the relevant program terms and conditions for details: [Velocity Member Terms and Conditions](https://experience.velocityfrequentflyer.com/member-support/terms-conditions), [KrisFlyer Terms and Conditions](https://www.singaporeair.com/en%5FUK/ppsclub%5Fkrisflyer/termsconditions-kf/), [Air New Zealand Koru Terms and Conditions](https://www.airnewzealand.com.au/koru/koru-terms-and-conditions), [Asia Miles Terms and Conditions](https://www.asiamiles.com/en/terms-and-conditions.html), [Everyday Rewards Terms and Conditions](https://www.everyday.com.au/terms.html), and [World360 Rewards Terms](https://www.world360rewards.com/terms). ANZ Reward Points are subject to the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). [Return](#) 13\. Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account. [Return](#) 14\. For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call **[13 22 73](tel:132273)** for information regarding the fees that apply to their account. [Return](#) 15\. This offer is available to new and approved credit card applicants and is limited to one offer per person. You are not eligible for the initial 40,000 bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. ANZ may change or withdraw this offer at any time without notice. This offer cannot be used with any other offers, packages or promotions, and is not available if you’re transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. To be eligible for the initial 40,000 bonus Qantas Points, you must meet the $6,000 spend criteria within 3 months of your approval date. Your approval date is the disclosure date specified in your Letter of Offer. Any purchases made within 3 months of your approval date that are refunded or reversed will not count towards meeting the spend criteria. Some transactions and other items are not considered eligible purchases as they are not eligible to earn Qantas Points. These include: interest charges or bank fees, cash advances and balance transfers (as defined in the [ANZ Credit Card Conditions of Use (PDF)](/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf)), transactions made using the BPAY® scheme or Post Billpay service, Government Charges or payments to the ATO, and premiums paid for ANZ Credit Card Insurance. For further details, see the [ANZ Frequent Flyer Reward Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). If you are eligible for this offer, the initial 40,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of meeting the spend criteria. If you do not meet the spend criteria within 3 months of your approval date, you won't receive the initial 40,000 bonus Qantas Points. You may still be eligible for the additional 40,000 bonus Qantas Points if you retain your card for over 12 months from the date your first annual fee is charged. The additional 40,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of your second annual fee being charged. The second annual fee is generally charged 12 months from the first annual fee. The 80,000 bonus Qantas Points will not be credited if your ANZ Credit Card Account is closed, cancelled, suspended, transferred, has any overdue amount, or if you breach the [ANZ Credit Card Conditions of Use (PDF)](/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or [ANZ Frequent Flyer Reward Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) prior to, or at the time of, the bonus Qantas Points being credited to your Qantas Points balance. [Return](#) 16\. Offer available to new and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. If approved, to be eligible for the 85,000 extra ANZ Reward Points and $50 credit back to your new ANZ Rewards Platinum card, you must meet the spend criteria within 3 months from the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the [ANZ Rewards - Rewards Program Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). The 85,000 extra ANZ Reward Points and the $50 credit will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. To be eligible for the 40,000 extra ANZ Reward Points, you must keep your card for over 15 months from the date you activate your card. The 40,000 extra ANZ Reward Points will generally be credited to your credit card account within 3 months of you retaining the card for over 15 months from the date you activate your card. The extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). You are not eligible for this offer if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. [Return](#) 17\. Minimum redemption threshold applies. Allow up to 5 business days for your Velocity Points to be allocated to your account. To redeem ANZ Reward Points for Velocity Points, individuals must be both an ANZ Rewards account holder and a Velocity Frequent Flyer member. Velocity membership and Velocity Points earned and redeemed are subject to the Member Terms and Conditions, available at [velocityfrequentflyer.com/member-support/terms-conditions](https://www.velocityfrequentflyer.com/member-support/terms-conditions) as amended from time to time. Once ANZ Reward Points have been redeemed for Velocity Frequent Flyer Points, they are governed by the [Velocity Frequent Flyer Program Terms and Conditions](https://www.velocityfrequentflyer.com/member-support/terms-conditions) and cannot be reversed. ANZ holds no responsibility for flight availability, which may be limited, or any other redemption items available at [velocityfrequentflyer.com](https://www.velocityfrequentflyer.com/). Flight availability is at the sole discretion of Virgin Australia and airline partners. [Return](#) 18\. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. If approved, to be eligible for the 60,000 bonus Velocity Points and $50 credit back to your new ANZ Rewards Platinum card, you must activate the card, meet the spend criteria within 3 months from the date of approval, set up auto-redemption within 3 months of approval to automatically transfer your ANZ Reward Points to Velocity Points and keep it on for a consecutive period until the 60,000 bonus Velocity Points are made available for redemption. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the [ANZ Rewards - Rewards Program Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). The 60,000 bonus Velocity Points will generally be made available for redemption within 3 months of meeting the spend and eligibility criteria. The $50 credit will be applied to the purchases balance within 3 months of meeting the spend and eligibility criteria and does not constitute a payment under your contract with ANZ. To be eligible for the 20,000 bonus Velocity Points, you must keep your card for over 15 months from the date you activate your card, set up auto-redemption within 3 months from the date of approval to automatically transfer your ANZ Reward Points to Velocity Points and keep it on for a consecutive period until the 20,000 bonus Velocity Points are made available for redemption. The 20,000 bonus Velocity Points will generally be made available for redemption within 3 months of meeting the eligibility criteria. The bonus Velocity Points and $50 credit back available under this offer will not be credited if your credit card is cancelled, suspended, transferred, or if you have breached either the [ANZ Credit Card Conditions of Use (PDF)](/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf) prior to the bonus Velocity Points or the $50 back being credited to your account. You are not eligible for this offer if you currently hold or have held an ANZ Rewards or Frequent Flyer credit card in the last 24 months. To enable you to redeem the 60,000 and 20,000 bonus Velocity Points, you will be sent either an: (i) SMS with a link to a redemption website and your Reward Code to enable you to continue with the redemption process; or (ii) Email to the email address listed on your ANZ account with a link to a redemption website to switch on ANZ Rewards Auto-Redemption for Velocity Points and your Reward Code to continue with the redemption process. The redemption website is powered by Digital Glue Pty Ltd ABN 36 127 466 899\. It may take up to 90 days from the eligible criteria being met to receive your SMS or email. You must redeem the Reward Code for the relevant points before the expiry date listed in the SMS or email, otherwise you will forfeit any entitlement to do so. [Return](#) 19\. This offer is available to new and approved credit card applicants and is limited to one offer per person. You are not eligible for the initial 20,000 bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. ANZ may change or withdraw this offer at any time without notice. This offer cannot be used with any other offers, packages or promotions, and is not available if you’re transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. To be eligible for the initial 20,000 bonus Qantas Points, you must meet the $3,500 spend criteria within 4 months of your approval date. Your approval date is the disclosure date specified in your Letter of Offer. Any purchases made within 4 months of your approval date that are refunded or reversed will not count towards meeting the spend criteria. Some transactions and other items are not considered eligible purchases as they are not eligible to earn Qantas Points. These include: interest charges or bank fees, cash advances and balance transfers (as defined in the [ANZ Credit Card Conditions of Use (PDF)](/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf)), transactions made using the BPAY® scheme or Post Billpay service, Government Charges or payments to the ATO, and premiums paid for ANZ Credit Card Insurance. For further details, see the [ANZ Frequent Flyer Reward Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). If you are eligible for this offer, the initial 20,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of meeting the spend criteria. If you do not meet the spend criteria within 4 months of your approval date, you won't receive the initial 20,000 bonus Qantas Points. You may still be eligible for the additional 20,000 bonus Qantas Points if you retain your card for over 12 months from the date your first annual fee is charged. The additional 20,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of your second annual fee being charged. The second annual fee is generally charged 12 months from the first annual fee. The 40,000 bonus Qantas Points will not be credited if your ANZ Credit Card Account is closed, cancelled, suspended, transferred, has any overdue amount, or if you breach the [ANZ Credit Card Conditions of Use (PDF)](/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or [ANZ Frequent Flyer Reward Terms and Conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) prior to, or at the time of, the bonus Qantas Points being credited to your Qantas Points balance. [Return](#) 20\. Refer to the Electronic Banking Conditions of Use contained in your product [terms and conditions (PDF)](/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf). [Return](#) [ Top ](#skiptocontent)
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Important: Annual interest rate increases from 28 Sept 2026, Cash Advance Fee increases and new Reward Points earn caps from 28 Oct 2026, and complimentary insurance changes from 9 Dec 2026 and 24 Mar 2027. Find out more.
- Personal
- Credit cards
- ANZ Rewards Black
ANZ Rewards Black credit card
ANZ Rewards Black has the highest ANZ Reward Points earn rate of all our credit cards. This new card offer gives you:
Up to 180,000 ANZ Reward Points
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130,000 extra ANZ Reward Points and $100 back to your new ANZ Rewards Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval
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Plus an additional 50,000 ANZ Reward Points when you keep the card for over 15 months from activation
You are not eligible for this offer if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375).
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What to expect from this Rewards Black card...
Important: On and from 28 October 2026, we’re updating the ANZ Rewards – Rewards Program Terms and Conditions and introducing a cap on the total spend on eligible purchases that can earn Reward Points. Total spend on eligible purchases over $50,000 per statement period will not earn Reward Points. Find out more.
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ANZ Reward Points
Earn 2 ANZ Reward Points for every $1 spent up to and including $5,000*
Earn 1 ANZ Reward Point for every $1 spent over $5,000*
*per statement period, eligible purchases only
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20.99% p.a.* interest rate
on purchases
*Important: On and from 28 September 2026, the standard annual interest rate on purchases will increase to 22.49% p.a. Find out more.
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$15,000 minimum credit limit
and you expect you will be able to repay all or most of the closing balance each month
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$375 Annual Fee
Things to consider
- A higher interest rate on purchases compared to the ANZ Low Rate card, so the ANZ Rewards Black card might not be suitable if you only make minimum repayments over a prolonged period
- A higher annual fee compared to the ANZ First card and ANZ Rewards Platinum.
Plus you'll also get...
Important: Changes will be made to the complimentary insurance available with the ANZ Rewards Black credit card from 24 March 2027. Complimentary travel insurance will no longer be included with this card, including International Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia. ANZ is also making changes to complimentary insurance across its credit card products, with different changes applying from 9 December 2026 and 24 March 2027 depending on the product. Find out more.
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Travel insurance
Planning a trip? You may be eligible for complimentary travel insurance, plus cover for rental vehicle excess in Australia, when you purchase travel using your ANZ credit card.
T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.
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Insurance on purchases
Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance and Purchase Protection Insurance.
T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.
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Interest free days
Make the most of your card with interest-free days on eligible purchases when you pay your full Closing Balance (or if applicable, the Adjusted Closing Balance) by the Due Date shown on your statement.
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24/7 Personal concierge
Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more.
Call us on 1300 580 765 (or +61 2 7907 0805).
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ANZ Falcon® fraud protection
ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.
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Balance transfers
Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment.
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Digital wallet compatible
An easy way to pay using your ANZ credit card on your compatible mobile device. And, if you need a replacement card, digital cards are faster than the post.
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Rates and fees
$15,000 Minimum credit limit
Up to 44 Interest-free days on purchases
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Standard interest rates
20.99% p.a.* on purchases
*Important: On and from 28 September 2026, the standard annual interest rate on purchases will increase to 22.49% p.a. Find out more.
21.99% p.a. on cash advances
Important: On and from 28 September 2026, the standard annual interest rate on cash advances will increase to 23.49% p.a. Find out more.
21.99% p.a. on balance transfers
Important: On and from 28 September 2026, the standard annual interest rate on standard balance transfers will increase to 23.49% p.a. Find out more.
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Annual fees
$375 Annual Fee (includes $320 Annual Fee and $55 Rewards Program Service Fee)
Up to 9 additional cardholders
for an annual fee of $65 per additional cardholder
For details about all applicable fees & charges please refer to the ANZ Credit Cards Conditions of Use (PDF) and ANZ Consumer Credit Cards Fees and Charges (PDF).
Important: On and from 28 October 2026 the Cash Advance Fee will increase from 3% to 3.5%, the minimum Cash Advance Fee will increase from $3 to $4, and the maximum Cash Advance Fee will increase from $20 to $50. Find out more.
Eligibility
Who can apply?
To apply for an ANZ Rewards Black credit card, you’ll need to:
- be 18 years of age or over
- be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa
- have a good credit rating
Bonus points offer
You are not eligible for the bonus points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months.
Not sure if you’re eligible?
Call our credit card specialists on 13 22 73.
Get started online
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Apply online
You’ll need:
- Details of your income, expenses, liabilities and assets
- Proof of identity.
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Request a call back
Need to know more before applying? We’ll call you back within 2 business days to answer any questions and help you complete your application.
See our other Rewards and Frequent Flyer credit cards
Important: On and from 28 Oct 2026, we’re introducing a cap on the total spend on eligible purchases that can earn Qantas Points and ANZ Reward Points. Find out more.
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ANZ Rewards Platinum credit card
Uncapped ANZ Reward Points earn rate
$6,000
Minimum credit limit
$149
Current annual fee
How to use ANZ Rewards Points
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Choose between one of these two new card offers:
Earn up to 125,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card
Earn 85,000 extra ANZ Reward Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval and an additional 40,000 extra points when you keep the card for over 15 months from activation.
New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).
OR
Earn up to 80,000 bonus Velocity Points and $50 back to your new ANZ Rewards Platinum card
Switch on auto-redemption to transfer your ANZ Reward Points to Velocity Points within 3 months from approval and keep it on to earn 1) 60,000 bonus Velocity Points and $50 back to your new card when you spend $3,500 on eligible purchases within the first 3 months from approval and 2) an additional 20,000 bonus Velocity Points when you keep the card for over 15 months from activation.
New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149). Auto-redemption must be kept on until points for relevant criteria have been made available for redemption.
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ANZ Frequent Flyer Black credit card
ANZ's highest Qantas Points earn rate
$15,000
Minimum credit limit
$425
Current annual fee
Offer
Earn up to 80,000 bonus Qantas Points
Earn 40,000 bonus Qantas Points with your new ANZ Frequent Flyer Black credit card when you spend $6,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months.
You are not eligible for the initial bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425).
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ANZ Frequent Flyer Platinum credit card
Uncapped Qantas Points earn rate
$6,000
Minimum credit limit
$295
Current annual fee
Offer
Earn up to 40,000 bonus Qantas Points
Earn 20,000 bonus Qantas Points with your new ANZ Frequent Flyer Platinum credit card when you spend $3,500 on eligible purchases in the first 4 months from approval. Plus, earn an additional 20,000 bonus Qantas Points when you keep your card for over 12 months.
You are not eligible for the initial bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295).
Ways your credit card is protected
ANZ Falcon® fraud protection
ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.
Fraud money back guarantee
Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs.
Card security microchip
An embedded card microchip makes it harder for your card to be fraudulently copied.
Visa secure
(formerly known as Verified by Visa)
Some added peace of mind to securely shop online.
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Choose the card for you
Compare each card’s features, considerations and fees to help you choose.
Your questions answered
Rewards Points
How do I redeem my ANZ Reward Points?
You can redeem your Reward Points at the ANZ Rewards website accessed from the ANZ App or ANZ Internet Banking. Alternatively, you can call the ANZ Rewards Centre on 1300 367 763, Monday to Friday, 8am to 8pm (AEST).
What can I redeem my ANZ Reward Points on?
You can redeem your ANZ Reward Points for:
- gift cards at a range of retailers, including Apple, Bunnings, Myer, Woolworths and Uber
- ANZ Cashback, 1,250 Reward Points = $5 ANZ Cashback,
- Partner points, such as Velocity Points, Asia Miles, Airpoints™, KrisFlyer miles, Everyday Rewards points, and World360 Rewards points.
How do I check how many ANZ Reward Points I have?
You can check and redeem your ANZ Reward Points at the ANZ Rewards website accessed from the ANZ app or ANZ Internet Banking. Alternatively, you can call the ANZ Rewards Centre on 1300 367 763, Monday to Friday, 8am to 8pm (AEST).
Do ANZ Reward Points expire?
ANZ Reward Points must be used to claim a reward within 36 months of 31 December of the year in which the Reward Points were added to a points record. Reward Points that remain unused after that period will be cancelled. In the event your ANZ Rewards account is closed, any Reward Points that remain unused must be used within 90 days of the date of closure. Reward Points that remain unused after that period will be cancelled.
Please refer to the ANZ Rewards – Rewards Program Terms and Conditions (PDF) for further conditions on when we may cancel Reward Points.
What is an eligible purchase?
Most every day purchases are eligible purchases. Certain transactions and other items are not eligible to earn ANZ Rewards Points. Examples of transactions and other items which will not earn ANZ Reward Points are interest charges, fees, cash advances, cash equivalent transactions, balance transfers, BPAY or Post BillPay payments, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. For more details of transactions which are not eligible to earn ANZ Reward Points and how these transactions are identified please refer to the ANZ Rewards Program Terms and Conditions (PDF).
Where can I find more information on the ANZ Rewards Program?
Please visit www.anzrewards.com/faq for further information.
Help and support
Getting started
Add a card to your digital wallet
Using your card
Decrease limit or close account
Emergency assistance
Other help topics
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Boost your credit card knowledge
With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Credit Card Education is an online educational series that explores credit card interest, making payments, balance transfers and more.
Learn more about Credit Card Education
Connect with our specialists
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Call us
Our team are available Monday to Friday from 8am to 8pm (AEST).
Call 13 33 33
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Locate us
Find your nearest ATM or branch.
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Get help with your application
We're here to answer your application questions and help you get started.
Important information
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
Falcon® is a registered trademark of Fair Isaac Corporation.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. We recommend you read the ANZ App Terms and Conditions for iOS (PDF) or ANZ App Terms and Conditions for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
1. ANZ Reward Points are earned and redeemed in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF).
2. Offer available to new and approved applicants who apply for an ANZ Rewards Black credit card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages, or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application, and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). The 130,000 extra ANZ Reward Points and the $100 will generally be credited to your credit card account within three months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. The 50,000 extra ANZ Reward Points will be credited to the account within 3 months of you retaining the card for over 15 months from the date of activating your card. The 180,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $100 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
3. For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.
4. Standard annual interest rate is 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance as at today's date and is subject to change.
5. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. For insurable events that occur before 9 December 2026 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) dated 7 June 2024. For insurable events that occur on or after 9 December 2026 but before 24 March 2027 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) dated 9 December 2026. For insurable events that occur on or after 24 March 2027 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) dated 24 March 2027. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
6. Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF). Existing customers should review their credit contract for information regarding their account.
7. The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders.
ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice.
8. Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.
9. Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF), Fitbit Pay (PDF) and Garmin Pay (PDF).
10. Conversion calculation correct as of 24 July 2025. Conversion rates subject to change. Please refer to ANZ Rewards for details of current rates.
11. ANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Rewards or other ANZ account within 2 business days. Minimum Redemption thresholds apply.
12. Minimum Redemption thresholds apply. An account holder must be a member of the applicable partner program to redeem ANZ Reward Points for partner points. Membership details must be entered online at time of redemption in order to redeem ANZ Reward Points for partner points under the applicable partner program. See anzrewards.com for details. Refer to the relevant program terms and conditions for details: Velocity Member Terms and Conditions, KrisFlyer Terms and Conditions, Air New Zealand Koru Terms and Conditions, Asia Miles Terms and Conditions, Everyday Rewards Terms and Conditions, and World360 Rewards Terms. ANZ Reward Points are subject to the ANZ Rewards – Rewards Program Terms and Conditions (PDF).
13. Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.
14. For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.
15. This offer is available to new and approved credit card applicants and is limited to one offer per person. You are not eligible for the initial 40,000 bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. ANZ may change or withdraw this offer at any time without notice. This offer cannot be used with any other offers, packages or promotions, and is not available if you’re transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
To be eligible for the initial 40,000 bonus Qantas Points, you must meet the $6,000 spend criteria within 3 months of your approval date. Your approval date is the disclosure date specified in your Letter of Offer. Any purchases made within 3 months of your approval date that are refunded or reversed will not count towards meeting the spend criteria.
Some transactions and other items are not considered eligible purchases as they are not eligible to earn Qantas Points. These include: interest charges or bank fees, cash advances and balance transfers (as defined in the ANZ Credit Card Conditions of Use (PDF)), transactions made using the BPAY® scheme or Post Billpay service, Government Charges or payments to the ATO, and premiums paid for ANZ Credit Card Insurance. For further details, see the ANZ Frequent Flyer Reward Terms and Conditions (PDF).
If you are eligible for this offer, the initial 40,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of meeting the spend criteria.
If you do not meet the spend criteria within 3 months of your approval date, you won't receive the initial 40,000 bonus Qantas Points. You may still be eligible for the additional 40,000 bonus Qantas Points if you retain your card for over 12 months from the date your first annual fee is charged. The additional 40,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of your second annual fee being charged. The second annual fee is generally charged 12 months from the first annual fee.
The 80,000 bonus Qantas Points will not be credited if your ANZ Credit Card Account is closed, cancelled, suspended, transferred, has any overdue amount, or if you breach the ANZ Credit Card Conditions of Use (PDF) or ANZ Frequent Flyer Reward Terms and Conditions (PDF) prior to, or at the time of, the bonus Qantas Points being credited to your Qantas Points balance.
16. Offer available to new and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
If approved, to be eligible for the 85,000 extra ANZ Reward Points and $50 credit back to your new ANZ Rewards Platinum card, you must meet the spend criteria within 3 months from the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). The 85,000 extra ANZ Reward Points and the $50 credit will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ.
To be eligible for the 40,000 extra ANZ Reward Points, you must keep your card for over 15 months from the date you activate your card. The 40,000 extra ANZ Reward Points will generally be credited to your credit card account within 3 months of you retaining the card for over 15 months from the date you activate your card.
The extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months.
17. Minimum redemption threshold applies. Allow up to 5 business days for your Velocity Points to be allocated to your account. To redeem ANZ Reward Points for Velocity Points, individuals must be both an ANZ Rewards account holder and a Velocity Frequent Flyer member. Velocity membership and Velocity Points earned and redeemed are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com/member-support/terms-conditions as amended from time to time. Once ANZ Reward Points have been redeemed for Velocity Frequent Flyer Points, they are governed by the Velocity Frequent Flyer Program Terms and Conditions and cannot be reversed. ANZ holds no responsibility for flight availability, which may be limited, or any other redemption items available at velocityfrequentflyer.com. Flight availability is at the sole discretion of Virgin Australia and airline partners.
18. Offer is for new and approved credit card applicants and is limited to one offer per applicant.
ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
If approved, to be eligible for the 60,000 bonus Velocity Points and $50 credit back to your new ANZ Rewards Platinum card, you must activate the card, meet the spend criteria within 3 months from the date of approval, set up auto-redemption within 3 months of approval to automatically transfer your ANZ Reward Points to Velocity Points and keep it on for a consecutive period until the 60,000 bonus Velocity Points are made available for redemption. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Reward Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). The 60,000 bonus Velocity Points will generally be made available for redemption within 3 months of meeting the spend and eligibility criteria. The $50 credit will be applied to the purchases balance within 3 months of meeting the spend and eligibility criteria and does not constitute a payment under your contract with ANZ.
To be eligible for the 20,000 bonus Velocity Points, you must keep your card for over 15 months from the date you activate your card, set up auto-redemption within 3 months from the date of approval to automatically transfer your ANZ Reward Points to Velocity Points and keep it on for a consecutive period until the 20,000 bonus Velocity Points are made available for redemption. The 20,000 bonus Velocity Points will generally be made available for redemption within 3 months of meeting the eligibility criteria.
The bonus Velocity Points and $50 credit back available under this offer will not be credited if your credit card is cancelled, suspended, transferred, or if you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) prior to the bonus Velocity Points or the $50 back being credited to your account. You are not eligible for this offer if you currently hold or have held an ANZ Rewards or Frequent Flyer credit card in the last 24 months.
To enable you to redeem the 60,000 and 20,000 bonus Velocity Points, you will be sent either an: (i) SMS with a link to a redemption website and your Reward Code to enable you to continue with the redemption process; or (ii) Email to the email address listed on your ANZ account with a link to a redemption website to switch on ANZ Rewards Auto-Redemption for Velocity Points and your Reward Code to continue with the redemption process.
The redemption website is powered by Digital Glue Pty Ltd ABN 36 127 466 899. It may take up to 90 days from the eligible criteria being met to receive your SMS or email. You must redeem the Reward Code for the relevant points before the expiry date listed in the SMS or email, otherwise you will forfeit any entitlement to do so.
19. This offer is available to new and approved credit card applicants and is limited to one offer per person. You are not eligible for the initial 20,000 bonus Qantas Points if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months. ANZ may change or withdraw this offer at any time without notice. This offer cannot be used with any other offers, packages or promotions, and is not available if you’re transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
To be eligible for the initial 20,000 bonus Qantas Points, you must meet the $3,500 spend criteria within 4 months of your approval date. Your approval date is the disclosure date specified in your Letter of Offer. Any purchases made within 4 months of your approval date that are refunded or reversed will not count towards meeting the spend criteria.
Some transactions and other items are not considered eligible purchases as they are not eligible to earn Qantas Points. These include: interest charges or bank fees, cash advances and balance transfers (as defined in the ANZ Credit Card Conditions of Use (PDF)), transactions made using the BPAY® scheme or Post Billpay service, Government Charges or payments to the ATO, and premiums paid for ANZ Credit Card Insurance. For further details, see the ANZ Frequent Flyer Reward Terms and Conditions (PDF).
If you are eligible for this offer, the initial 20,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of meeting the spend criteria.
If you do not meet the spend criteria within 4 months of your approval date, you won't receive the initial 20,000 bonus Qantas Points. You may still be eligible for the additional 20,000 bonus Qantas Points if you retain your card for over 12 months from the date your first annual fee is charged. The additional 20,000 bonus Qantas Points will generally be credited to your Qantas Points balance within 3 months of your second annual fee being charged. The second annual fee is generally charged 12 months from the first annual fee.
The 40,000 bonus Qantas Points will not be credited if your ANZ Credit Card Account is closed, cancelled, suspended, transferred, has any overdue amount, or if you breach the ANZ Credit Card Conditions of Use (PDF) or ANZ Frequent Flyer Reward Terms and Conditions (PDF) prior to, or at the time of, the bonus Qantas Points being credited to your Qantas Points balance.
20. Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF).
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