If you're after a slick addition to your wallet, the 2023 Mozo Experts Choice Award-winning Rewards Black credit card from ANZ could be worth considering. It comes with ANZ's highest rewards earn rates (2 Reward Points per $1 up to $5,000 per statement period, then 1 point per $1 afterward), and complimentary international and domestic travel insurance. There's also 180,000 bonus Reward Points ad $150 Cashback on offer after you spend $3,000 on eligible purchases in the first 3 months.
You will be on your way to rewards goodness faster with an ANZ Rewards Black card in your wallet. You can bag 2 Reward Points for every $1 spent, up to the first $5,000 spent each statement period, then 1 point on every $1 spent after that.
The standard interest rate of the Rewards Black card is 20.99% p.a. but if you pay off your balance in full each statement period you will get up to 55 days interest free.
The annual fee is a steep $375, so you'll need to make sure you are getting value from the card's added extras such as domestic and international travel insurance, personal concierge, and the Visa Entertainment program.
As far as the rest of the rewards program goes, the ANZ Rewards Black offers you the most flexibility. You can choose to use your Reward Points to redeem flights, shopping rewards or cash back. Plus, after $3,000 of eligible purchases spend within 3 months of getting the card and you'll also score 180,000 Reward Points and $150 Cashback - not too shabby!
The insurances that come standard with the card are second to none, and include extended warranty, purchase protection and a guaranteed pricing scheme - which is why it was award 2023 Mozo Experts Choice Awards for best Premium Card Benefits. You can also use Visa payWave for purchases under $100.
If you are using the ANZ Rewards Black overseas, keep in mind there is a 3% foreign exchange margin.
The ANZ Black is a good rewards card any permanent Australian resident or a non-permanent resident with more than 9 months remaining on their Visa, who is over 18 years of age with a good credit rating who will regularly use the Card's 'complimentary extras' and pay off their balance in full each statement period.
Reward Points are tiered so you'll earn less after the first $5,000 spend - and they do expire after 36 months. So unless you are spending lots of money on the card each month, be careful storing your points for that free flight to London or they could expire before you get to take off.
Rates and fees information correct as at 20 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
239,200 points
15,600 points
22,225 points
25,000 points
2 points per dollar on Visa, up to $5,000 per month, then
1 point per dollar on Visa, uncapped
Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
Points can be redeemed via various programs including Velocity Frequent Flyer, Cathay Pacific, Airpoints and Singapore Airlines KrisFlyer
Earn bonus points at over 30 bonus partners.
Receive 180,000 bonus Reward Points and $150 cashback if you spend $3,000 on eligible purchase in the first 3 months.
Spend $12,500 (Visa)
Spend $11,113 (Visa)
Spend $7,800 (Visa)
Spend $179,200 (Visa)
Uncapped
36 months
|
20.99% p.a. |
|
|
none |
|
|
No current offer |
|
|
none |
|
|
21.99% p.a. |
|
|
55 |
|
$320.00 |
|
|
none |
|
|
none |
|
|
$55.00 |
|
|
$20.00 |
|
|
3.0%, Min $4.00 |
|
|
3.00% |
|
|
$0.00 |
|
|
$0.00 |
|
|
$65.00 |
|
$25.00 |
|
|
2.0 |
|
|
9 |
|
|
none |
Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit
Concierge,
Commission-free,
Travellers,
Cheques,
Extended,
Warranty,
Purchase,
Protection,
International,
Travel,
Insurance,
Domestic,
Travel,
Insurance
During the last 15 years or more we have held business & personal bank accounts with ANZ. During this time we have repaid 1.3 million in ANZ bank debt, the majority in the last 6 years. We have no bank debt, have 6 properties, pay our taxes on time and in full, have never requested extensions for tax repayment, always pay our current credit card with NAB limit of $60,000 by due date. Requested an ANZ rewards black credit card with $60,000 limit but were granted one with limit of $14,000. The Indian call centre would not budge on this because that’s what his computer told him was our limit! The local credit guru said the same thing. I said you will lend money to celebrity chefs who take their bank down by $10 million but a business with a 30 year history of good management & no debt gets knocked back! I said your job should be made redundant as a computer can do it equally successfully. The world is a funny place! Perhaps no free meals or hob nobbing with the right people!
Read full reviewDuring the last 15 years or more we have held business & personal bank accounts with ANZ. During this time we have repaid 1.3 million in ANZ bank debt, the majority in the last 6 years. We have no bank debt, have 6 properties, pay our taxes on time and in full, have never requested extensions for tax repayment, always pay our current credit card with NAB limit of $60,000 by due date. Requested an ANZ rewards black credit card with $60,000 limit but were granted one with limit of $14,000. The Indian call centre would not budge on this because that’s what his computer told him was our limit! The local credit guru said the same thing. I said you will lend money to celebrity chefs who take their bank down by $10 million but a business with a 30 year history of good management & no debt gets knocked back! I said your job should be made redundant as a computer can do it equally successfully. The world is a funny place! Perhaps no free meals or hob nobbing with the right people!
Have had this credit card for many years and despite its high yearly fees the rewards are plentiful and allow us to pay off any fees and gain an advantage as long as we pay off debts by due dates.
Read full reviewHave had this credit card for many years and despite its high yearly fees the rewards are plentiful and allow us to pay off any fees and gain an advantage as long as we pay off debts by due dates.
Local ANZ branch is efficient and effective. Personally neat, tidy and happy to help. Prompt action when a problem or question arises.
Read full reviewLocal ANZ branch is efficient and effective. Personally neat, tidy and happy to help. Prompt action when a problem or question arises.
The Rewards Black card has a great signing up promotion where approved card holders are given reward points equivalent to $350 and the first year annual fee is waived. However, as with most credit cards, existing customers are typically neglected and any new promotions do not apply to existing customers. This is a shame since ANZ has spent much money on recruiting new customers and I think some effort should be taken to retain existing customers, especially those who have been using the ANZ credit cards extensively.
Read full reviewThe Rewards Black card has a great signing up promotion where approved card holders are given reward points equivalent to $350 and the first year annual fee is waived. However, as with most credit cards, existing customers are typically neglected and any new promotions do not apply to existing customers. This is a shame since ANZ has spent much money on recruiting new customers and I think some effort should be taken to retain existing customers, especially those who have been using the ANZ credit cards extensively.
The best part of this bank is they give away so many things like free 50,000 points, free 1 year fee, lounge access all over the world, complimentary travel insurance (very good one) what else would you want when getting your credit card, I highly recommend ANZ Black credit card.
Read full reviewThe best part of this bank is they give away so many things like free 50,000 points, free 1 year fee, lounge access all over the world, complimentary travel insurance (very good one) what else would you want when getting your credit card, I highly recommend ANZ Black credit card.
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Velocity Escape Card
23.99% p.a.
No current offer
$0
Velocity Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
60,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 24 months and then 20.99% p.a.
$149 $0 in the first year
More Mastercard
19.99% p.a.
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
$100
