AU banking region credit

ANZ Rewards Black

Premium ANZ rewards credit card with high minimum limit, points earn, and complimentary travel-insurance access when eligibility conditions are met.

Features

  • $15,000 minimum credit limit
  • $375 annual fee (including rewards program service fee)
  • ANZ Rewards points earning with multiple transfer/redemption pathways
  • Complimentary insurance eligibility on eligible card spend and activation
  • Visa acceptance with ANZ app and fraud-monitoring controls

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ANZ Rewards Black

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Quick Verdict

ANZ Rewards Black is aimed at higher-spend users who want a premium ANZ rewards card with stronger points potential than entry-tier products. Its key upside is rewards flexibility with insurance and travel-related inclusions for eligible cardholders. The trade-off is a high minimum credit limit and higher ongoing annual cost.

At a Glance

  • Card annual fee: $375 (includes $320 Annual Fee + $55 Rewards Program Service Fee)
  • Minimum credit limit: $15,000
  • Rewards model: ANZ Rewards points with partner transfer/redemption options
  • Eligibility direction: New-card promotional offers and benefits are subject to ANZ eligibility criteria and terms
  • Mobile wallet support: Not clearly specified on this product page

FX Fees and Exchange Rate Policy

The ANZ Rewards Black product page outlines rewards, rates and insurance positioning, but it does not clearly state a dedicated international transaction-fee percentage in the visible product-summary sections used here. ANZ states card pricing and conditions are governed by its fees-and-charges and conditions-of-use documents.

Worked example for a 1000 USD equivalent spend:

  • If 1000 USD converts to A$X under Visa network conversion and ANZ processing rules, the final posted AUD amount depends on ANZ fee treatment in the governing card fee schedule and terms in force at the time of transaction.

Travel Benefits and Protections

ANZ states eligible cardholders may access complimentary travel insurance, subject to activation and policy criteria, and points can be used across travel-related redemption pathways. Insurance cover, limits, exclusions and activation conditions are governed by ANZ’s complimentary-insurance booklet and card terms.

Rewards and Ongoing Value

ANZ positions this card as a premium rewards product with higher annual cost and higher credit-limit threshold, intended for users who can generate enough spend value from points and partner redemptions. Ongoing value depends on whether cardholders meaningfully use rewards transfers, redemption options and insurance-linked travel features.

Fees, Limits, and Fine Print

  • Annual fee: $375 total (including annual fee plus rewards program service fee)
  • Minimum credit limit: $15,000
  • Additional cardholder fee framework applies under ANZ rewards terms
  • Promotional bonus-point offers are conditional and time-bound
  • Terms caveat: card pricing and feature eligibility are subject to ANZ rates, fees and conditions documents

App Experience and Security

ANZ highlights app-based servicing and fraud-monitoring capability across its credit card portfolio. For this specific product page, detailed feature-by-feature controls (for example freeze/unfreeze behaviors, dispute SLAs, or virtual-card specifics) are not fully enumerated in the summary content.

Who This Card Is Best For

  • Higher-spend cardholders comfortable with a $15,000 minimum limit
  • Users focused on premium ANZ rewards earning and redemption options
  • Travellers who can satisfy insurance eligibility and activation requirements
  • Customers willing to pay a higher annual fee for broader feature packaging

FAQ

What is the annual fee for ANZ Rewards Black?

ANZ lists a current total annual fee of $375, comprising an annual fee plus a rewards program service fee.

What is the minimum credit limit?

ANZ lists a $15,000 minimum credit limit for this card.

Does this card include travel insurance?

ANZ states eligible cardholders may access complimentary travel insurance, subject to activation and policy terms.

Is this card primarily a rewards product?

Yes. ANZ markets this as a premium rewards-focused credit card with points earning and partner redemption pathways.

Are offer bonuses guaranteed?

No. Bonus-point and promotional offers are conditional and subject to eligibility criteria, qualifying spend and terms.

Sources and Methodology

This page was refreshed using only official ANZ issuer-site sources listed above. Product terms, rates, and eligibility can change, so confirm current details with ANZ before applying.