ANZ Rewards Black

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 21.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Additional Cards Additional Information: Up to 9 additional cardholders for an annual fee of $65 per additional cardholder.

• Insurance

• Insurance

• Insurance

• Insurance

• Insurance

• Interest Free Additional Information: Up to 44 days interest free days on purchases

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Banking Additional Information: Access using ANZ Internet Banking or ANZ App

• Bill Payment

• Loyalty Program Additional Information: 2 Reward Points per $1 spent on eligible purchases up to and including $5,000 per statement period. 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.

• Balance Transfers

• Fraud Protection Additional Information: The product includes fraud protection features.

• Instalment Plan

• Interest Free Transfers Additional Information: This offer applies to existing ANZ credit cards only. The offer is for a Promotional Plan balance transfer of 0% p.a. for 18 months, with a 3% Balance Transfer Fee. The balance transfer amount will be charged interest at the Promotional Plan annual percentage interest rate from the date the balance transfer is processed. At the end of the Promotional Plan period, the standard annual percentage rate for balance transfers will apply to any unpaid Promotional Plan balance. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. Conditions apply.

• Bonus Rewards Additional Information: Earn up to 180,000 extra ANZ Reward Points. Earn 130,000 extra ANZ Reward Points and $100 back to your new ANZ Rewards Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 50,000 ANZ Reward Points when you keep the card for over 15 months from activation.  New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375)

• Cashback Offer Additional Information: Earn up to 180,000 extra ANZ Reward Points. Earn 130,000 extra ANZ Reward Points and $100 back to your new ANZ Rewards Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 50,000 ANZ Reward Points when you keep the card for over 15 months from activation.  New card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $375)

 Product Eligibility

• Min Age - 18. Additional Information: You must be 18 years of age or older to apply

• Residency Status - Be An Australian Or New Zealand Citizen, Permanent Resident Or Have More Than 12 Months Left On Your Visa.

• Other Additional Information: You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit or ANZ Frequent Flyer card in the last 24 months and meet all other offer eligibility criteria.

 Bank Fees and Charges

• Account Service (Periodic), Amount: 320.00. Additional Information: Annual service fee for the credit card account

• Rewards Program (Periodic), Amount: 55.00. Additional Information: Annual service fee for membership of the Rewards program

• Additional Cardholder Account Service (Periodic), Amount: 10.00. Additional Information: Annual service fee for each additional cardholder

• Additional Cardholder Rewards Program (Periodic), Amount: 55.00. Additional Information: Annual service fee for each additional cardholder's membership of the Rewards program

• Cash Advance (Withdrawal), Amount: Not Listed.. Additional Information: 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), Amount: Not Listed..

• Late Payment (Event), Amount: 20.00.

• Over Limit (Event), Amount: 20.00.

• Instalment Plan Fee (Variable), Amount: 0.00. Additional Information: Instalment Plan fees are determined when a customer accepts an instalment plan.

• Priority Fee (Event), Amount: 50.00. Additional Information: 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), Amount: Not Listed.. Additional Information: 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.

 Limitations & Restrictions (Constraints)

• Min Limit of 15000.00