ANZ Rewards Black Credit Card: Earn 180,000 Reward Points (Worth $800) with $2,000 Min Spend in 3 Months, $0 Annual Fee 1st Year

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ANZ Rewards Black Credit Card: Earn 180,000 Reward Points (Worth $800) with $2,000 Min Spend in 3 Months, $0 Annual Fee 1st Year

Drakesy on 01/04/2021 - 18:00 anz.com.au (14268 clicks)
Last edited 01/04/2021 - 20:27 by 2 other users

Was browsing Point Hacks and saw this gem of a deal
$800 in gift cards (or $700 cashback) for $2000 spend is one of the best value returns out there
Pity i already used my ANZ Rewards card for this 12 month cycle.
FYI This is different to the ANZ Qantas Frequent Flyer scheme and not affected if you already have an ANZ Frequent Flyer card

If you haven't, apply away!.

ANZ is offering 180,000 bonus ANZ Reward Points (can get an $800 gift card) and $0 first year annual fee for new cardholders of the ANZ Rewards Black. Includes complimentary insurances plus Apple Pay and Google Pay support.

Key Attributes
180,000 ANZ Reward Points (can get an $800 gift card) + $0 first year annual fee, when you spend a minimum of $2,000 on eligible purchase within the first 3 months of approval
24/7 Personal Concierge and exclusive entertainment and lifestyle offers
Complimentary travel and shopping insurances (PDS)
Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
Annual Fee: $0 for the first year, $375 p.a. ongoing
New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $0 for first year, $375 thereafter).
Not available where you currently hold, or have closed, an ANZ Rewards credit card within the previous 12 months.

Via https://www.pointhacks.com.au/credit-cards/anz-rewards-black…

Financial ANZ ANZ Rewards Credit Card Reward Points VISA

11 Oct 2021 1:49pm

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t0087669 on 07/04/2021 - 21:49

got a call today just to confirm a few things, got approved shortly after. it was a fast and smooth process for me.
Rupture on 08/04/2021 - 07:11

+3

Applied Easter Monday. Got asked to provide payslips and a deposit statement in an email. Approved yesterday with no phone calls. Was a little surprised given all the negative feedback for the ANZ credit card process.
Rupture on 08/04/2021 - 11:13

I put my wife down as an additional cardholder and just noticed that this particular card charges an annual fee for additional cardholders. Anyone know if this is also waived for the first year? Can’t see anything and will cancel the extra card if that’s the case.
- bohn on 09/04/2021 - 14:41
  
  Not waived.
  You can call up and ask for the additional card to be cancelled and you won't get charged.
- hd2002 on 23/04/2021 - 17:14
  
  I also had this concern, and called 132 273. The staff said the free annual fee also apply to the additional cardholder, but she doesn't seem very familiar with the T&C and had to check with her colleagues.
  
  It would be better if anyone can call 132 273 to double confirm this.
  - timhn on 23/04/2021 - 20:05
    
    It's free first year for additional card. Between me and my partner, we had many similar deals like this with ANZ, and if the card is fee free first year then you also get additional card free.
[Deactivated] on 08/04/2021 - 13:38

Anyone been approved with <100k income? I'm just churning though my last Amex card which only has a 5k limit. Never applied for a black before. Not sure whether to apply for this or the platinum 120,000 points one

Also what's better, this 180k/120k ANZ rewards points, or 75,000 Qantas frequent flier points?
- ltwo on 08/04/2021 - 13:55
  
  income isnt the only factor. what are your expenses like?
  - [Deactivated] on 08/04/2021 - 14:40
    
    Not a lot normally. My day to day living expenses are pretty minimal and rent where I live is really cheap.
- Rupture on 08/04/2021 - 14:52
  
  YMMV, those two cards are not really comparable. One is designed for using points on gift cards, the other is skewed towards rewards for travel (for flights/upgrades). If you were to do a like for like just in terms of buying gift cards, the ANZ card will net you better value $800 vs approx $350 for the AMEX. Depends how you want to cash in your rewards. Side note, as long as your income/savings is significantly above your expenses/liabilities then whether you make 100k or not won't matter too much.
  - [Deactivated] on 08/04/2021 - 15:04
    
    Would 75,000 in Qantas points be worth more than $800 of I spent them on flights?
    - ltwo on 08/04/2021 - 15:10
      
      it's 83k points return for Melbourne-Perth in business class. I dont know what the usual price is in dollars. perhaps $2k?
      - [Deactivated] on 08/04/2021 - 18:21
        
        @ltwo: That's incorrect comparison. Would you spend 2K out of pocket for a 4 hour long flight one way in Business or suffered it in Economy with extra leg room and spend those money on something else.
pinksplatter on 08/04/2021 - 15:07

+1

Applied on Monday 05/04/21 and uploaded payslips same night, and today (Thursday 08/04/21) I received confirmation that my card is on its way.

Fortunately, quick and pain free for me!
hoangdekiem on 08/04/2021 - 16:16

Applied for the 75k Qantas last year -> declined. Got 3 phone calls or something
Applied for the 75k Qantas again last month -> approved. Got a phone call on the weekend and approval right after that
Applied for this card on Monday -> got approved today. No call , just text message for approval.

and my income this year is a bit lower than last year. Go figure.
Mrgreenz on 08/04/2021 - 17:36

Approved after discussion on expenses.

Thanks OP
[Deactivated] on 08/04/2021 - 18:15

With 100K+ salary and combined 95K credit limit on 4 cards I did not actually expect to be approved but got it with 15K limit. Previous ANZ Blacks had 50K limit so a bit disappointed, maybe that Kogan card I keep only for free delivery of cheap crap need to go after all.
- itsme56 on 08/04/2021 - 18:25
  
  Do you have any loans/mortgages?
  - [Deactivated] on 08/04/2021 - 18:25
    
    no debt whatsoever
    - itsme56 on 08/04/2021 - 19:28
      
      +1
      
      That’d be why.
Shaneeo on 08/04/2021 - 19:54

Thanks OP.
Applied 2 April
Emailed pay slips 3 April (as website upload tool wouldn’t accept my PDFs despite they met all the file requirements)
Got a call 8 April. Asked some questions to clarify loans and credit card balances. Put on hold for 2 mins. Approved during the phone call.
And HSBC rejected me from their CC offer last month.
ANZ process was much less painless overall than HSBC, and seemingly easier credit assessment
- andyman1908 on 09/04/2021 - 09:10
  
  +1
  
  The upload tool didn't like spaces in filenames so that was probably the issue
portard on 08/04/2021 - 21:06

Instant rejected with 100k+ salary, minimal expenses and debt, no other credit cards active. I just closed a ANZ FF card 2 days ago so I wonder if that has anything to do with it.
- prodnus on 08/04/2021 - 23:08
  
  Wow instant rejection? I applied 3 April but haven't heard anything back since.
- RyanMK on 10/04/2021 - 14:54
  
  Don't think it's anything to do with that. I closed my ANZ FF a week before I applied. My application is approved.
ltwo on 09/04/2021 - 13:32

applied sunday, payslips requested tuesday via email & provided same day, still waiting to hear back today (friday)
- RyanMK on 10/04/2021 - 14:55
  
  I applied last Sunday, only heard back today.
TheMommy on 09/04/2021 - 14:47

Which is a better credit card, this ANZ offer or Commbank -

Ultimate Awards credit card
100,000 Bonus Awards Points when you apply for a new CommBank Ultimate Awards credit card by 29 April 2021 and spend $5,000 on eligible purchases using your new card within 90 days from activation. New CommBank Awards customers only.^

Browsing previous deals, Commbank has more targeted offers but not sure overall if it's a better choice.
- timhn on 09/04/2021 - 17:05
  
  Huh? You really can't work it out which deal is better?
  
  Here, you only need to spend $2000 for a whopping points value up to $800 in 3 months. Then no annual fee for 1st year to top it up.
  
  Other banks usually require you to $3000 for around $400-500 points value. Some with fees , some don't. What is CommBank points worth? Any fee?
  
  To me, this is a top deal at the moment.
  - TheMommy on 09/04/2021 - 18:19
    
    That's the thing, I cant access what the 100,000 Commbank points mean as I'm not a customer. No annual fee, if you spend 2,500.
    
    So I guess my questions really are:
    
    What does the 100K points equate too?
    
    How valuable are the targeted offers that usually pops up here in OzBargain i.e. spend X amount get a rebate?
    
    Agree that ANZ is a great deal, that's why I'm asking.
    - cook99 on 12/04/2021 - 22:16
      
      ANZ rewards way better, no fees, $800 gift card, $2k spend.
      CommBank is higher spend requirement and 100k points which is about $480 gift cards.
      CommBank is a $35/month fee if you don't spend $2500 per month.
      So even if you pay no CommBank fee you get $480 vs $800 back on gift cards.
KB57 on 09/04/2021 - 15:32

+1

got a call today, the guy asked some questions about the mortgage and current credit cards, put me on hold for a couple of minutes and then approved the application over the phone.
Applied 5th of April. received confirmation email on 6th and uploaded the documents the same day.
waving on 09/04/2021 - 18:21

Knocked back.. $160k combined income, but think my expenses freaked them out, even though they were well under a reasonable ratio I thought… Don’t understand… surely they want people that are big spenders on these types of cards…oh well.. no $800 of gift cards for me… enjoy it for those who make it through the hoops.
- ltwo on 09/04/2021 - 20:05
  
  thought they only asked for individual income
- waving on 09/04/2021 - 22:11
  
  Income + investment income
cashless on 09/04/2021 - 20:30

Still waiting. Applied Thursday 1st. Sent wage slips in Monday 5th. Total silence since. There’s been activity on my credit score (neither positive or negative).
These folks really take their time.
Kammi on 09/04/2021 - 21:18

Hello, I've never done the rewards/ff points thing…I was sent some collateral to apply for a ANZ FF Black card. It says 150K bonus Qantas points and get $225 back to your cc account, after a $3k spend in first 3 months.

Which deal is better? For reference, only cc I've ever had is the ANZ Platinum (no points, no rewards with it), came free with the Breakfree package.
- Drakesy on 09/04/2021 - 23:46
  
  For cashback get this one, plus only requires $2000 spend
  For frequent flyer points get the Qantas Black.
  
  Choose your poison.
- Fancydancer on 10/04/2021 - 08:08
  
  Careful it’s an addiction!
diazepam on 10/04/2021 - 14:08

Also still waiting.
Credit checked 1 day after I applied which made a negative impact (714 -> 683 on credit simple) despite being 850+ from creditsavvy/getcreditscore…
120k+ income after overtime (-20k salary packaging/sacrifice).
One other cc (not recorded on any credit check), a small overdraft never used since opening - should probably close this
Dunno why I'm still waiting honestly… would have been approved by any other provider by now.
- diazepam on 11/04/2021 - 14:10
  
  They also did a credit check on creditsavvy dropping my score to exactly 800… hmm.
- cook99 on 12/04/2021 - 22:23
  
  Credit check is standard for any new application regardless of current score, income etc. And a drop in score can happen with that credit check, part of the cost of churning.
  Definitely close your old unused card, should help your score go back up, and also looks better for new applications.
  Source: 10+ applications / new cards churned over last 2 years.
  - diazepam on 12/04/2021 - 22:55
    
    Funnily enough one of my credit cards isn’t listed on any credit check thing
    And I’m just surprised they checked across two platforms (usually only one it gets a mark).
    Would be pretty annoyed if I get rejected after all of this…
    - cook99 on 12/04/2021 - 22:58
      
      +2
      
      Good luck 🤞
      I've just been accepted for my 3rd ANZ card last week, they've always been fast and easy for me thankfully.
Oz8argain on 10/04/2021 - 16:40

Surprised they work on the weekend, got a call and texts telling me about the approval.
- ltwo on 10/04/2021 - 16:51
  
  that's why they outsource the work to other countries. cheap enough to offer rotating shifts.
Cisco123 on 11/04/2021 - 00:25

Got approved today… Now thinking what's the best way to use these points. Gift card makes sense but not sure if they are the best point-dollar conversion
retainer on 11/04/2021 - 09:17

So I'm definitely eligible if I have an ANZ black FF currently?
- Drakesy on 11/04/2021 - 10:42
  
  +1
  
  Yep
Angelscrap on 11/04/2021 - 20:34

Any chance to change the card type to Qantas card once you have got the bonus rewards points?
- Drakesy on 11/04/2021 - 22:51
  
  Nope
  2 different reward programs unfortunately
Stickout on 12/04/2021 - 16:31

+2

Pity i already got the reward platinum from from ANZ last month…

If my experience with my platinum card is anything to go by, this ANZ deals could become one of those legendary deals Ozber would fondly remember for some time. i meant to say that i got my $500 gc within 14 days me start using the card, and the redeem process took less than 30 sec, just your email address and 3 or 4 mouse clicks, that's it.

cheers.
- timhn on 13/04/2021 - 06:11
  
  one of those legendary deals
  
  I'm still remember the deal "Signature credit card no fee for life" from Citibank. Got the balance transfer money as a cheque-to-self, 2 lounge passes yearly and other perks Citibank.
bargainhunter5 on 12/04/2021 - 17:42

Do you receive a confirmation email that your application is received / was submitted straight away? Applied this morning but haven’t received any confirmations…
thefud on 12/04/2021 - 18:33

Approved today and applied on 2nd of April. Now to commit to $3k worth of furniture for the house ..
- Drakesy on 12/04/2021 - 18:46
  
  +2
  
  only need $2k ;)
  Then can spend the rest on the next card.
  - thefud on 12/04/2021 - 18:54
    
    +1
    
    To be honest, the wife probably has enough on the list to fill the $35k limit. 😞
    - Drakesy on 12/04/2021 - 18:56
      
      Hahah
      
      fair enough.
tsunamisurfer on 13/04/2021 - 14:04

I just got approved after a phone call from the 'assessor'.

He had to clarify some 'anomalies' in my application. He was concerned that my credit card repayments figure was so high. I said I average around $4k balance at months end and I pay $4k to clear it without fail.

He said I overstated the amount and should only have reported the MINIMUM repayment amount per my statements. Upon updating this figure from $4k per month to $70 per month the Computer said Yes.

Wow…wouldn't they want me to delcare the correct amount I pay per month and base my eligibility on that? If they use $70 as my repayment amount and I am truly paying only $70 I will be clearly kicking the can down the road as far as payments are concerned and within 3.5 months would have reached my limit of $15k and be destitute!
- timhn on 13/04/2021 - 17:57
  
  They are REALLY wanted you to pay the minimum for the obvious reason :)
- [Deactivated] on 13/04/2021 - 19:07
  
  Apparently banks interested in not whether you can repay your debt but whether you would be able pay minimum and interest for as long as it is possible. My total credit limit was higher than my income after tax and that did not stop ANZ from approving even more.
Rupture on 13/04/2021 - 16:47

Welcome pack came today in the mail. No card…what a let down!
- Marbel on 13/04/2021 - 18:07
  
  Yeah, haven't received anything at all. When did you received the sms that says 'card is on its way'?
  - Rupture on 13/04/2021 - 20:59
    
    Applied Easter Monday, got the on the Wednesday afternoon saying I’d been approved and the card was on its way. Today I got the welcome back but still haven’t received the card. Not an existing ANZ customer.
    - Marbel on 14/04/2021 - 13:12
      
      Just received the welcome pack today, likewise, no card. Also not an ANZ customer.
      - Marbel on 14/04/2021 - 15:03
        
        @Marbel: Just received two seperate mails, one with the PIN and the other one with the actual card. finally!
- [Deactivated] on 13/04/2021 - 19:10
  
  If you're existing ANZ customer did you credit account appear in online banking already?
  - timhn on 13/04/2021 - 21:40
    
    Couple years ago, I had to request them to link the account to my login via the secured email. Later, I has being told if you activate the card in the app, it will link under your login automatically.
ltwo on 13/04/2021 - 21:48

signed up sunday of the easter long weekend. provided documents tuesday. still waiting to hear back… they sure take their time.
- diazepam on 13/04/2021 - 21:50
  
  Me too, they love dragging their feet
  - Drakesy on 13/04/2021 - 21:56
    
    If imagine they weren't quite prepared for the uptake
- cashless on 13/04/2021 - 23:09
  
  Pretty typical ANZ customer service response. I signed up on April 1st still waiting. Maybe I was the April fool?
  - prodnus on 13/04/2021 - 23:26
    
    +1
    
    Signed up 3 April and still waiting. Seems they don't process applications in order and just at random lol.
    - prodnus on 16/04/2021 - 17:07
      
      Update FYI: Had a phone call yesterday to provide some more documentation which when provided would result in approval. Have submitted and waiting for formal approval now.
- UrMumsOnlyFan on 13/04/2021 - 23:56
  
  Applied and provided documents Saturday. They sent an email today saying they tried to call (they didn't) and asking me to select a timeslot to be called between Mon-Fri.
  
  Please note we are facing some delays with responding to the high number of emails we have received
  
  We are working very hard to work through every enquiry from our customers and one of our helpful assessors will be in touch soon
  
  Thank you for your understanding
ifonlyiwasyounger on 13/04/2021 - 23:00

-3

Just to clarify, does the initial 3 months period commence from the date the application is approved, or from the date the card is activated? For example, I understand the welcome pack containing the card may take more than a week or longer to be received by the applicant, thereby effectively reducing the 3 months period for achieving the $2,000 eligible spend.
- neyo on 14/04/2021 - 07:30
  
  +1
  
  Irrelephant, just spend the 2k
- John Kimble on 14/04/2021 - 07:42
  
  Clarify with ANZ directly. It's is 100% clear when it commences in the terms and conditions, even if you don't think it's fair.
- Drakesy on 14/04/2021 - 11:05
  
  +2
  
  it's from the date of approval fyi.
  It's in the T's & C's
  - ifonlyiwasyounger on 14/04/2021 - 11:41
    
    Thank you Drakesy.
CodeXD on 14/04/2021 - 11:17

Still waiting for my card to arrive.

Timeline:
6/4 Applied for the card ~10pm and received automated email ~12am
8/4 SMS that my application has been approved (my home loan is with ANZ so they already have access to my pay details)
14/4 Haven't received the card yet, but got SMS saying I can activate my card anything using the ANZ app lol
- 1parle on 15/04/2021 - 12:24
  
  same here. Received the welcome kit and pin but not the card
- blinkybro on 15/04/2021 - 16:56
  
  approved same date, still no card haha.
- CodeXD on 16/04/2021 - 20:25
  
  Got my card and pin in the mail today. Thought it is supposed to be staggered? lol
  - diazepam on 16/04/2021 - 20:26
    
    I think auspost only delivers like 2-3 times a week now so sometimes mail sent 1 day apart now comes together… happened with some of my other credit cards
Cheeseplate on 14/04/2021 - 14:00

Dumb question -Should I be putting my assets and liabilities as50% as I'm part of a couple? If I put the full amount surely it wouldn't get approved as they don't know partners income
- Fancydancer on 14/04/2021 - 14:32
  
  You might only cover 20 percent ;)
- CodeXD on 14/04/2021 - 14:44
  
  Yep, see here
drose1 on 14/04/2021 - 15:41

Applied 1st April. After a few back and forth emails asking for payslips etc, finally approved today - so 2 weeks.
DryScissors on 14/04/2021 - 16:05

+2

ANZ are so frustrating. They send you a card but don’t let you know your CRN, so there is no easy way to activate it.
- bohn on 14/04/2021 - 17:15
  
  +3
  
  If you have been an ANZ customer before - it's the same CRN.
  Every time I get a new ANZ card I have to ring up to get them to re-enable internet banking as they disable that each time I close it.
  They really should re-enable it once my new card is activated.. but no.
  - UrMumsOnlyFan on 14/04/2021 - 23:39
    
    None of the call centre peeps have ever mentioned that to me so I have a string of different CRNs trailing in the rear view mirror.
    
    This time I'll try reactivating the most recent CRN since it's only a few months old.
    - UrMumsOnlyFan on 15/04/2021 - 23:13
      
      They called yesterday morning and I uploaded the required documents promptly. Nothing heard since.
cashless on 14/04/2021 - 18:17

Finally, after 2 weeks received my Black card today. No sms or email had been sent to tell me I was approved. Activated it using my old CRN (cancelled a Qantas rewards cards last year).
Despite having deleted the ANZ app from phone, when I downloaded it again I was instantly recognised and was able to activate new card.
Odd.
Now, here’s the weird bit. The app tells me I am now also the holder of a new ANZ Access Advantage Debit card and a bank account. I didn’t ask for either.
Has anyone else received the same?
What use is a bank account & debit card if all I wanted was the Black credit card?
tweety96 on 15/04/2021 - 12:39

Do you guys get the rejection via email or after the 60s wait after submitting the application?
Contopaxi on 15/04/2021 - 15:11

Applied 6am this morning and was approved at around 1pm without the need of any additional documentation.
Smooth process and an amazing deal to get in on
- ltwo on 15/04/2021 - 15:43
  
  is your credit rating impeccable? do you make >$200k/annum?
  - Contopaxi on 15/04/2021 - 15:46
    
    Unsure on my credit rating as I don’t check that and I do not make over 200k either
    - ltwo on 15/04/2021 - 15:49
      
      i applied 4 April and provided documents soon after, and still waiting to hear back….
    - timhn on 16/04/2021 - 08:19
      
      Huh? They didn't ask you for any proof of income? How even that possible to pass their approval process?
      
      Are you bank with them and have your salary going to ANZ account?
      
      Edit: I meant to reply to Contopaxi's comment above.

This was posted 3 years 7 months 21 days ago, and might be an out-dated deal.

ANZ Rewards Black Credit Card: Earn 180,000 Reward Points (Worth $800) with $2,000 Min Spend in 3 Months, $0 Annual Fee 1st Year

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