ANZ Rewards Black Credit Card

Lower than 70% of cards we list — that's a average rate.

Carrying $5,000 at 20.99% p.a. costs roughly this much in interest each month.

Assumes the full balance is carried with no interest-free days applied.

Total annual fees across three years, so a promotional first year doesn't flatter the headline figure.

Days you can avoid interest by paying in full — below average for the market.

That's above average for Black cards — a fairer comparison than measuring it against $0 cards in other tiers.

A combined read on annual, foreign, cash-advance and late fees across all the ways a card can cost you.

Spend this much a year for the rewards you earn to cover the annual fee.

Based on a conservative point value; actual value depends on how you redeem.

Estimated dollar value of the signup bonus points, so you can compare offers across programs.

Estimated at a conservative point value; actual value depends on how you redeem.

At $20,000/year of spend, this is the rewards value earned for every $1 of annual fee.

Transferring $5,000 could save this much in interest over 0 months.

Assumes the balance isn't paid down during the intro period — a conservative estimate.

After the intro period the rate jumps to this — no revert rate (0%).

Where this card ranks among balance transfer cards for intro period length.

Where this card ranks among rewards cards for earn rate.

Where this card ranks among frequent flyer cards for earn rate.