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The ANZ Rewards Black credit card offers the highest sign-up bonus in the Australian market — 180,000 ANZ Reward points when you spend $3,000 in the first 3 months. At $375/yr it is a premium card, but the bonus alone can be worth $600+ in flights.
ANZ Credit Cards at a Glance
RewardsANZ Rewards Black
180,000 bonus pts, 1.5 pts/$1, $375/yr. Highest sign-up bonus in Australia.
Qantas PointsANZ Frequent Flyer Black
Up to 130k Qantas pts, 1 pt/$1, $425/yr. Direct Qantas earn + Status Credits.
CashbackANZ Cashback World
1% uncapped cashback on everything. $95/yr. No categories to track.
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Why the ANZ Rewards Black credit card Stands Out
✓ What makes it worth it:
- 180,000 bonus points — highest in Australia
- 1.5 pts/$1 on everyday spend
- Complimentary travel insurance
- 0% balance transfer for 12 months available
- Points transferable to 8 airline partners
✗ What to consider:
- $375 annual fee — high ongoing cost
- Points value depends on redemption method
- 21.99% purchase rate
- Minimum income $75,000
Verdict: Who Should Get This Card?
The ANZ Rewards Black makes sense if you can hit the $3,000 spend threshold and plan to transfer points to an airline partner. The sign-up bonus alone justifies the first year fee. Long-term, it only works if you spend enough to earn points that offset the $375/yr. If you want no fees, see the no-fee guide.
Ready to apply? Go directly to ANZ:
✓ Official ANZ website • ✓ Secure application • ✓ Takes 5-10 minutes
How many Qantas points is 180,000 ANZ Rewards worth? ▼
Transfers to Qantas at 1:0.75 ratio — so 180,000 ANZ pts = 135,000 Qantas pts, enough for a return business class domestic flight.
Is the $375 annual fee waived the first year? ▼
ANZ occasionally runs first-year fee waiver promotions. Check the current offer on the ANZ website before applying.
What income do I need? ▼
Minimum $75,000 gross annual income. ANZ verifies this during the application process.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the ANZ website before applying.
