Discover how to apply ANZ Black. This card is perfect for those with high spending habits who value exclusivity and premium benefits.
If you travel frequently, enjoy personalised services, and make large purchases, the ANZ Black Rewards is a great match. It rewards you according to your spending level and offers a range of conveniences that enhance your shopping experience.
Since it’s a top-tier card, it’s normal for eligibility requirements to be a bit stricter, especially when it comes to income and credit score.
Check out the list of criteria below, followed by the steps to apply.
To be eligible for to apply ANZ Black, you must:
- Be 18 years or older
- Provide valid ID: driver’s licence, passport, or Medicare card
- Be an Australian or New Zealand citizen, permanent resident, or have more than 12 months remaining on your visa
- Have a good credit rating. This means no defaults recorded in your name for at least 12 months
- Show proof of a regular income and good repayment capacity
Information and documents to speed up the credit assessment:
- Two recent payslips to verify your income
- If self-employed, you’ll need your accountant’s contact number
- Details of your living expenses, such as rent, groceries, and other regular bills
- ANZ account number or customer registration number, if applicable
What’s the initial limit for this credit card?
The limit can start at a minimum of $15,000 or be adjusted according to your income if it’s significantly higher.
Another way to increase the limit is to wait for it to grow gradually as you demonstrate good credit behaviour.
Each person will receive the most suitable approval based on their financial profile as assessed by the bank.
Step-by-step: How to apply ANZ Black online
- Set aside 20 minutes to complete the form
- Begin by entering your personal and contact details, including email and mobile number
- Provide your address and job details
- The next section is about your finances. This step is crucial to ensure that this card is the right fit for your budget.
- Finally, review all your information and submit it to enter the assessment phase.
- Once everything is sorted, you’ll receive a response via email.
Activating a new card
The mobile app is very handy for activating the card in just a few steps. Alternatively, you can activate it via online banking.
Log in and go to settings to activate, then set your PIN to use the card for in-person transactions.
Remember, avoid obvious PINs like your birthday or personal phone number.
Need help from a customer service representative? Call 13 13 14 or +61 3 9683 9999 if you’re overseas.