ANZ Rewards Black
By ANZ
Our highest Reward Points earning potential
Last product change: 21 Oct 2025
Last checked: 08 Dec 2025
Lending Rates
| Type | Rate (p.a.) | Comparison Rate (p.a.) | Duration |
|---|---|---|---|
Cash Advance | 21.99% | - | |
Rates are subject to change. The interest rate that applies to cash advances is currently equivalent to the interest rate that applies to standard balance transfers. | |||
Purchase | 20.99% | - | |
Rates are subject to change | |||
Fees
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Account Service | Periodic | P1Y | Annual service fee for the credit card account | |
| Rewards Program | Periodic | P1Y | Annual service fee for membership of the Rewards program | |
| Additional Cardholder Account Service | Periodic | P1Y | Annual service fee for each additional cardholder | |
| Additional Cardholder Rewards Program | Periodic | P1Y | Annual service fee for each additional cardholder's membership of the Rewards program | |
| Cash Advance | Withdrawal | Any transaction on your account which is a Cash Advance attracts a fee. The fee applies even if your account has a positive balance. A Cash Advance is not just a cash withdrawal. Transactions which are Cash Advances are described in ANZ’s Credit Cards Conditions of Use. We charge a 3% fee, subject to: • a maximum fee of $20; and • a minimum fee of $3. See your letter of offer for details as to how we calculate the fee. P1Y | ||
| Overseas Transaction Fee | Purchase | null | ||
| Late Payment | Event | null | ||
| Over Limit | Event | null | ||
| Priority Fee | Event | We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority. | ||
| Balance Transfer Fee | Event | We may charge a Balance Transfer Fee on any promotional Balance Transfer offers you accept in the future. Details of the fee will be set out in the terms of the offer. |
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Features
| Additional Cards | 9 additional cards Up to 9 additional cardholders for an annual fee of $65 per additional cardholder. |
| Cashback Offers |
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| Balance Transfer | Yes |
| Interest Free Period | 44 days |
| Loyalty Programs |
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