ANZ · Visa
ANZ Rewards Black Visa
Mechanical fact card. Every figure on this page is sourced from ANZ's published Conditions of Use document; the small green/blue/amber chip next to each value links to the source.
Ingested 21 May 2026. 36-month freshness cap enforced.
Annual fee
Not in T&C
Purchase APR
Not in T&C
Cash advance APR
Not in T&C
Interest-free days
Not in T&C
Fees & charges
| Annual fee | Not in T&C |
| Additional / supplementary card fee | Not in T&C |
| Foreign transaction fee | 1.30% A |
| Cash advance fee | Not in T&C |
| Cash advance fee % | Not in T&C |
| Late payment fee | $6 A |
| Over-limit fee | Not in T&C |
| Replacement card fee | $5 A |
| Statement copy fee | Not in T&C |
Interest mechanics
| Purchase interest rate (APR) | Not in T&C |
| Cash advance interest rate | Not in T&C |
| Balance transfer promo rate | Not in T&C |
| Balance transfer promo period | Not in T&C |
| Default / penalty rate | Not in T&C |
| Interest-free days | Not in T&C |
| Minimum repayment % | Not in T&C |
Rewards mechanics
Rewards mechanic A
Cashback Offers via ANZ Loop (in goMoney) provide merchant-funded cashback on eligible transactions; CashBack Rewards also apply to CashBack Visa and CashBack Platinum cards per separate Programme Guide.
Earn rate A
Cashback Offers is a rewards program which provides Cashback for Eligible Transactions. Cashback is paid by the merchant directly into the card account that the Eligible Transaction was made from via an Original Credit Transaction using the Primary Account Number of the card you used for the transaction.
Partner programs A
Visa,ANZ Loop,Airpoints
Eligibility
| Minimum age | Not in T&C |
| Minimum annual income | Not in T&C |
| Residency / citizenship | Not in T&C |
| Employment status | Not in T&C |
| Credit limit range | Not in T&C |
Approval, credit limit, and pricing are determined by ANZ under CCCFA and the Responsible Lending Code. This page is informational only — not a pre-approval and not financial advice.
Your dispute and chargeback rights
External dispute resolution scheme A
banking_ombudsman
Closure & cooling-off
Closure rules A
You can cancel your ANZ credit card at any time – just talk to us. You'll need to pay the outstanding balance, including any transactions you've made and any interest we calculate, up to the day you repay in full. If you cancel within 10 working days of getting your card, then we'll refund any fees you've paid, unless we've already incurred those costs in setting up your card agreement.
Frequently asked questions
How do I dispute an unauthorised transaction on the ANZ Rewards Black Visa?
Contact ANZ first, then escalate to the relevant external dispute resolution scheme (typically the Banking Ombudsman Scheme or FSCL). The Commerce Commission enforces CCCFA fair-dealing obligations.
How current is the information on this page?
Every figure on this page is sourced from ANZ's published Conditions of Use document. The T&C was ingested on 21 May 2026. We enforce a 36-month freshness cap; any fact older than that is excluded from rendering. Cross-check the issuer's current Conditions of Use before applying.
Is the ANZ Rewards Black Visa "the best" credit card?
We don't rank credit cards on this site. Under FMA and CCCFA fair-dealing rules, "best for X" or "lowest rate guaranteed" claims require disclosed methodology that we don't publish. We list the facts; you compare what matters to your situation. If you need one-on-one advice, see a licensed Financial Advice Provider — we don't provide personalised advice.
Methodology & source-tier system
Every fact on this page carries a source-tier badge: Tier A = verbatim from the issuer's published Conditions of Use PDF; Tier B = issuer's live website; Tier C = our editorial registry (used when T&C ingest is pending); Tier D = third-party source.
We don't rank cards, don't publish "best for X" superlatives, and don't make approval claims. Approval decisions sit with the issuer under CCCFA and the Responsible Lending Code. For one-on-one advice, contact a licensed Financial Advice Provider.
Last snapshot generated Invalid Date. T&C ingest cycle: monthly. Source-document freshness cap: 36 months.