ANZ Rewards Black Credit Card

• Get 180,000 ANZ Reward Points and $150 cashback when you spend at least $3,000 on eligible purchases within the first 3 months of approval. Terms and Conditions apply.
• Earn 2 Reward Points for every $1 spent on eligible purchases, up to $5,000 per statement period. After that, earn 1 Reward Point per $1 spent.
• Comes with complimentary International Travel Insurance.

The basics

• Additional cardholders. You can add up to 9 additional cardholders. Before giving family and friends a card, know that there is a $65 p.a. fee for each additional cardholder. The main account owner will be responsible for managing the account and repayments.
• Digital wallets. This card is compatible with Apple Pay, Google Pay, Samsung Pay, and other wearable digital wallets.
• Gambling transactions. Gambling transactions are allowed on this card. However, gambling is classified as a cash equivalent and attracts the cash advance rate.

Rewards and benefits

• Complimentary travel insurance. The ANZ Rewards Black Credit Card has complimentary international travel insurance and rental vehicle excess in Australia. The policy will cover travel if the card was used before departure to pay for travel-related purchases, e.g. flights related to your trip. Subject to eligibility criteria.
• Concierge services. Cardholders get 24x7 access to the ANZ concierge service.
• Insurances. In addition to its international travel insurance, this card comes with purchase protection insurance with security provided by ANZ Falcon.
• Rewards points. ANZ Rewards Black Credit Card cardholders can earn 2 points per $1 spent in the ANZ Rewards program on eligible purchases. The earn rate drops to 1 point per $1 spent above $5,000 per statement period with no cap on how many points you can earn. Note that balance transfers, cash advances, fees, and payments to the ATO are not eligible transactions for earning points. ANZ Rewards points can be transferred to Air New Zealand Airpoints, Cathay Pacific Asia Miles, Singapore Airlines KrisFlyer, and Virgin Australia Velocity Frequent Flyer. The main benefit of this is the choice of redemptions since you aren't limited to a single airline and its partners.
• Sign-up bonus. Get 180,000 ANZ Rewards points and $150 cash back when you sign-up, get approved and spend at least $3,000 on eligible purchases within 90 days of approval.

Rates and fees

• Annual fee. This card has an annual fee of $375 p.a.
• Balance transfers. There is no promotional offer on balance transfers for this card.
• Cash advances. Interest on cash advances will start from the date of the cash advance and will accrue at the rate of 21.99% p.a. For any cash advance made with this card, you will also be charged ANZ's cash advance fee.
• Foreign exchange fee. Purchases made in a foreign currency while overseas or online will incur a 3% foreign transaction fee.
• Interest-free period. The ANZ Rewards Black Credit Card comes with up to 55 days interest-free on purchases (except for cash advances) if you have paid off your previous balance.
• Purchases. The ANZ Rewards Black Credit Card does not have any introductory offer for purchases. Cardholders will get the ongoing standard rate of 20.99% p.a. for any purchases made with the card that are carried over.