ANZ Rewards Black Credit Card Review

Unlock the power of your spending with the ANZ Rewards Black Credit Card—where every purchase takes you further.

If you’re searching for a credit card that goes beyond the standard offerings, the ANZ Rewards Credit Card could be just what you need. It’s designed to elevate your spending with a variety of perks and rewards, perfect for those who value premium benefits. This card transforms your everyday purchases into meaningful rewards.

Tailored for individuals who appreciate both luxury and flexibility, the ANZ Black Credit Card lets you earn rewards on every transaction. Whether you’re covering daily expenses, dining out, or booking travel, this card helps you turn routine spending into valuable benefits. Let’s delve into the features that make this card a standout choice.

CREDIT CARD

ANZ Rewards

180,000 Reward Points Travel insurance

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Maximise Your Rewards Potential

• Earn Points on All Eligible Purchases: Cardholders can earn up to 2 reward points for every dollar spent on eligible purchases and 1 point per dollar on payments to government bodies. This ensures you get value even on regular, everyday expenses.

• Complimentary International Travel Insurance: For frequent travellers, this card includes complimentary travel insurance for overseas trips. It covers you and your family, offering peace of mind when you’re exploring new places.

• Exclusive Lifestyle Benefits: Enjoy a variety of lifestyle perks, such as special dining offers, hotel discounts, and deals on entertainment. Whether it’s a weekend getaway or a dinner out, you’ll access savings and exclusive privileges.

• 24/7 Concierge Service: This card provides a 24/7 concierge service, assisting you with restaurant reservations, event tickets, and travel bookings, acting like a personal assistant whenever you need support.

• No Foreign Transaction Fees: If you often shop or travel internationally, this card’s zero foreign transaction fees are a significant advantage. You can make purchases in foreign currencies without incurring extra charges.

• Points Never Expire: A standout feature of the card is that your reward points don’t expire, provided your account remains active. This flexibility allows you to accumulate points over time without the pressure to use them quickly.

• Visa Premium Benefits: As a Visa cardholder, you’ll gain access to exclusive travel and entertainment offers, including premium concert seating and discounts on select bookings.

• Purchase Protection and Extended Warranty: Purchases made using your ANZ Black Credit Card are covered by purchase insurance for up to 90 days, protecting against loss, theft, or damage. Additionally, the card offers an extended warranty on certain purchases, providing coverage beyond the standard manufacturer’s warranty.

• Flexible Redemption Options: You’re not limited to just earning points? This card provides multiple redemption options, from flights and gift cards to cashback, ensuring flexibility to suit your lifestyle.

To be eligible for the ANZ Black Credit Card, applicants must meet the following criteria:

• Australian Residency: You must be an Australian citizen or permanent resident. Non-residents can apply but must provide additional documentation to verify eligibility.

• Minimum Age of 18 Years: Applicants must be at least 18 years old in compliance with Australian financial regulations.

• Stable Employment and Income Source: A consistent income and stable job are required. Self-employed individuals may need to submit additional paperwork, such as tax returns or business financial statements.

• Minimum Income Threshold: This card typically has a minimum income requirement to ensure applicants can comfortably handle repayments and enjoy its perks.

• Good Credit Score: A strong credit history is key. ANZ will perform a credit check to ensure applicants have a reliable track record of managing credit accounts.

• Valid Identification: Applicants will need to provide ID documents, like a passport or driver’s licence, for identity verification.

How to Apply for the ANZ Rewards Black Card

• Complete the Online Application: Visit the ANZ website to fill out the application form. You’ll need to provide details about your financial status, employment, and personal information.

• Submit Required Documents: Be prepared to upload supporting documents to verify your identity, income, and residency status, such as payslips, tax assessments, or bank statements.

• Provide Employment Information: Include details about your current employment, including your employer’s name and your annual income. Self-employed applicants should include additional business documents for verification.

• Review Terms and Conditions: Before submitting, carefully read the card’s terms and conditions to understand your obligations and the benefits available.

• Await Approval: After submitting your application, ANZ will review it and conduct a credit check. Depending on the complexity of your financial situation, approval can take from a few minutes to several business days.

• Receive and Activate Your Card: Once approved, you’ll receive the ANZ Black Credit Card by mail. Activate it to start enjoying rewards and exclusive benefits immediately.

Frequently Asked Questions

What rewards can I earn with the ANZ Rewards Black Credit Card?  

You can accumulate points on all eligible purchases, which can be redeemed for flights, gift cards, electronics, and more.

Is there a minimum spending requirement to earn rewards?  

No, there’s no minimum spend requirement. You’ll earn points on every eligible purchase, allowing you to accumulate rewards over time.

Does the card include travel insurance?  

Yes, the card provides complimentary international travel insurance, covering medical expenses, trip cancellations, and lost baggage.

How can I check my rewards balance?  

You can easily monitor your rewards via ANZ’s online banking platform or the ANZ App, where you can track and redeem your points effortlessly.

CREDIT CARD

ANZ Rewards

180,000 Reward Points Travel insurance

APPLY NOW You will be redirected