How to Apply for your Rewards Black Credit Card

The ANZ Rewards Black Credit Card is a premium option designed for frequent spenders who want to maximize rewards and enjoy exclusive benefits. Cardholders earn ANZ Reward Points on eligible purchases, which can be redeemed for cashback, merchandise, gift cards, or transferred to partner airline programs. Additionally, the card offers complimentary travel insurance, purchase protection, and a 24/7 concierge service.

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Key Benefits of the ANZ Rewards Black Credit Card

The ANZ Rewards Black Credit Card provides a variety of advantages designed for people who regularly use their credit card and want to get the most out of their rewards. The following are some of the primary advantages that come with this card.

High Reward Points Earning Rate

At a competitive rate, cardholders accumulate reward points for eligible purchases. To be more precise, the ANZ Rewards Black Credit Card offers 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, and 1 ANZ Reward Point per $1 spent thereafter. These points can be accumulated and subsequently redeemed for a variety of rewards, including travel tickets, merchandise and gift vouchers.

Bonus Points for New Customers

New customers might earn a lot of extra ANZ Reward Points if they spend a certain amount within a set time after their card is approved. For example, cardholders could get 110,000 bonus ANZ Reward Points and $100 back if they spend $5,000 on eligible items in the first three months. Furthermore, they can earn an additional 50,000 ANZ Reward Points if they keep the card for more than 15 months.

This initial boost can make the points program more valuable for new users.

Complimentary Travel and Purchase Protection

When certain requirements are fulfilled, such as using the card to prepay for, at least, $250 of the travel costs before leaving Australia, the card provides free overseas travel and health insurance. This insurance can provide extra security and peace of mind when traveling abroad by covering a variety of travel-related issues, such as medical emergencies, trip cancellations, and lost or stolen luggage.

24/7 Concierge and Partner Program Transfers

Cardholders can use a personal concierge service anytime, day or night, to help with various chores. This service helps with booking restaurant tables, getting event tickets, planning travel, and giving basic information. The concierge service helps cardholders improve their lifestyle by providing easy support whenever they need it.

Purchase Protection and Extended Warranty

The ANZ Rewards Black Credit Card offers purchase protection insurance. This insurance covers the loss, theft, or damage of certain new things bought with the card for a limited time after the purchase. It also provides extended warranty insurance, which can add extra coverage to the original manufacturer’s warranty for qualifying goods.

Ability to Transfer Reward Points to Partner Programs

Cardholders can move their ANZ Reward Points to partner airline frequent flyer schemes. This feature gives cardholders more options for using their rewards. They can use their points for travel benefits with partner airlines, making the rewards program more valuable.

Prerequisites to Obtain the ANZ Rewards Black Credit Card

Candidates must fulfill the requirements set by ANZ in order to be eligible to apply for the ANZ Rewards Black Credit Card. These requirements are intended to guarantee that prospective cardholders possess the financial stability and legal ability to handle the obligations connected with the card.

• Age: Minimum 18 years old.
• Residency: Australian citizen, permanent resident, or have more than 12 months left on your visa.
• Credit History: Must have a good credit score.
• Financial and Employment Details: Proof of income, expenses, assets, pay slips and employer details required.
• Identification document: Driver’s license or passport + visa for non-residents.
• Eligibility for ANZ Offers: To qualify, you must not have held, opened, or closed an ANZ Rewards credit card in the past 12 months and must meet all other eligibility criteria.

About ANZ as a Financial Institution

Australia and New Zealand Banking Group Limited (ANZ) issues the ANZ Rewards Black Credit Card. As one of Australia’s leading banks, ANZ also operates in New Zealand and the Asia-Pacific region. It offers personal, corporate, and institutional banking services, serving over 8.5 million customers across more than 30 markets.

ANZ has grown through mergers and acquisitions. Australia and New Zealand Bank Limited was formed in 1951 when the Bank of Australasia and Union Bank of Australia amalgamated. After merging with the English, Scottish & Australian Bank Limited in 1970, it became the Australia and New Zealand Banking Group Limited.

Who is this Card for?

The ANZ points Black Credit Card is for frequent card users who want to optimize points and advantages. It is ideal for customers who want premium benefits like reward points, a personal concierge, and free travel insurance. This card is for people who want a great rewards program and other benefits for their finances and lifestyle.

Step by Step to Apply for the ANZ Rewards Black Credit Card

Applying for the ANZ Rewards Black Credit Card requires following actions:

1. Visit the ANZ Website: Go to the ANZ Rewards Black Credit Card page clicking on the button below to start your application.
2. Check Eligibility: Ensure you meet the key requirements and gather required documents
3. Start Your Application: Click “Apply online now” on the card’s webpage.
4. Fill Out the Application: Provide accurate personal, financial, and employment details.
5. Submit & Wait for Confirmation: Review your details and submit.
6. Receive the Outcome: If approved, ANZ will send your credit card with activation instructions.

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Positives and Negatives of the ANZ Rewards Black Credit Card

Positive

• High Reward Points – Earn 2 ANZ Reward Points per $1 spent (up to $5,000 per statement), then 1 point per $1.
• Bonus Points – Get up to 110,000 bonus ANZ Reward Points and $100 back by spending $5,000 in the first 3 months.
• Travel & Medical Insurance – Complimentary coverage when using the card for travel expenses.
• 24/7 Concierge – Assistance with bookings, reservations, and event tickets.
• Purchase Protection & Warranty – Coverage for theft, loss, or damage; extended warranty up to 12 months.
• Point Transfers – Convert points to airline programs like Velocity Frequent Flyer and KrisFlyer.

Negative

• High annual fee – The card charges an annual fee of $375.
• Additional card charges – An annual fee applies for each additional card.
• High-interest rates – These can be costly if the balance is not paid in full.
• Foreign transaction fees – ANZ charges a 3% fee on overseas transactions, with an increase scheduled for May.
• Points Reduction – The amount of points earned for each dollar spent is reduced by half starting from a spend of $5000.

How to Activate the Card

Once you receive your ANZ Rewards Black Credit Card, you’ll need to activate it before using it. Here are two simple ways to do it:

• App: Log in, go to “More,” tap “Activate Card,” set your PIN, and you’re done!
• Internet Banking: Log in, go to “Settings,” select “Activate Card,” and follow the prompts

ANZ Banking App

The application for the credit card is completed online through the website, and you can manage your ANZ accounts and credit card using the ANZ banking app. The app enables you to track transactions, process payments, and utilize various banking services.

Note: Please be aware that once you have created your online banking profile and been approved for the card, the app is meant to be used for account management.

Fees and Charges

• Annual Fee: $375 for the primary cardholder (includes $320 Annual Fee and $55 Rewards Program Service Fee)
• Additional Cardholder Fee: $65 per Additional Cardholder on the account (includes $10 Annual Fee and $55 Rewards Program Service Fee)
• Interest Rates: 20.99% p.a. (purchases), 21.99% p.a. (cash advances and balance transfers).
• Foreign Transaction Fee: 3%* of the transaction amount.
• Late Payment Fee: $20 if the minimum payment is not received on time.

*Effective from 2 May 2025, the amount of the Overseas Transaction Fee will increase from 3% to 3.5% and will apply to all overseas transactions processed to a credit card account from this date.

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Customer Support

For further inquiries:

• General Enquiries (Australia): 13 13 14.
• Credit Card Support: 13 22 73.
• Overseas Assistance: +61 3 9683 9999.
• Lost or Stolen Cards: 1800 033 844 (Australia) / +61 3 8699 6955 (Overseas).