ANZ Rewards Black Card Calculator

Card Details & ANZ Points Calculator
2x/1x All Purchases
Travel & Purchase Insurance

ANZ Points Calculator for the ANZ Rewards Black Card. Calculate cash value and total ANZ Rewards Points based on spend. Compare to top cards.

Bonus Categories

The ANZ Rewards Black Card does not have any bonus categories. It earns ANZ Rewards Points at a flat rate of 2 points per $1 on the first $5,000 spent per statement period and 1 point per $1 on purchases above $5,000 spent per statement period. There's no limit to the amount of ANZ Rewards Points you can earn with the card overall.

  • 2x/1x All Purchases
    • Earn 2x on the first $5,000 spend during the statement period.
    • Earn 1x on all purchases above $5,000 per statement period.

Perks & Benefits

The ANZ Rewards Black Card offers great travel and purchase insurance.

  • Exclusives by ANZ
    • Access to Invitation only events for ANZ Black cardholders.
  • Travel and Purchase Insurance
    • International Travel Insurance
    • Interstate Flight Inconvenience Insurance
    • Rental Vehicle Excess in Australia Insurance
    • Transit Accident Insurance
    • Extended Warranty Insurance
    • Guaranteed Pricing Scheme
    • Purchase Protection Insurance

Sign Up Bonus (SUB)

The sign up bonus for the ANZ Rewards Black Card is 150,000 bonus ANZ Rewards Points when you spend $4,000 on the card within the first 3 months of approval.

Fees & Income Requirements

Annual Fee

The annual fee for the ANZ Rewards Black Card is $375.

Authorized User Fee

The authorized user fee for the ANZ Rewards Black Card is $65 per card, per year. You can add up to 9 cardholders. Before you add friends or family to the card, you'll want to make sure that they plan on running a lot of spend through the card in order to build enough ANZ Rewards Points to make it worth the fee.

Foreign Transaction Fee

The foreign currency conversion fee for the ANZ Rewards Black Card is 3%.

Income Requirements

There is no listed income requirements for the ANZ Rewards Black Card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.


Earn additional cash back when booking travel and shopping online using Cashrewards. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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