The ANZ Frequent Flyer Black Credit Card offers plenty of points and travel perks, including a big bonus Qantas Points offer for new customers, lounge invitations and complimentary travel insurance. It also earns a competitive 1 Qantas Point per $1 on eligible purchases up to $7,500 per statement period, then 0.5 points per $1 for the rest of that statement period. But with a relatively high $425 annual fee, you should make sure you get enough value beyond the bonus points if you plan to keep this card.
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🏆 Finder award
ANZ Frequent Flyer Black Credit Card
Terms and conditions apply
- Bonus points
- 130,000
- Purchase rate
- 20.99% p.a.
- Reward point per $ spent
- 1
- Annual fee
- $425 p.a.
Our verdict
Offers up to 130,000 bonus Qantas Points and $200 back on your new card, with a $425 annual fee.
Finder Awards winner
Pros
-
Up to 130,000 bonus Qantas Points and $200 back
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2 complimentary Qantas Club Lounge invitations per year
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1 Qantas Point per $1 spent up to $7,500 per statement period, then 0.5 Qantas Points / $1 spent
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Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance
Cons
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You need to keep the card over 12 months to collect all the bonus points offered
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The standard annual fee of $425 p.a. is high.
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When you spend over $7,500 per statement period, the earn rate drops from 1 point per $1 spent to 0.5 points per $1.
Details
Product details
| Product Name | ANZ Frequent Flyer Black |
| Balance transfer rate p.a. | 21.99% |
| Balance transfer limit | 95% of available limit |
| Purchase rate p.a. | Purchase rate p.a. 20.99% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 21.99% |
| Min credit limit | $15,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | Yes - Conditions apply |
| Joint application | No |
Rewards
| Rewards program | Qantas Frequent Flyer |
| Bonus points | 130,000 |
| Rewards points per $ spent | 1 |
Fees
| Annual fee | Annual fee $425 |
| Minimum monthly repayment | 2% of the closing balance or $25, whichever is greater |
| Late payment fee | $20 |
| Foreign currency conversion fee | Foreign currency conversion fee 3% |
| Cash advance fee | 3% or $3, whichever is greater |
| Overseas cash advance fee | 3% of transaction amount or $4 (whichever is greater) |
| Overseas ATM withdrawal fee | $5 |
| Additional cardholder fee | $65 |
| Number of additional cardholders | 9 |
Congratulations, ANZ!
ANZ Frequent Flyer Black won the award for 'Frequent Flyer Credit Card – Qantas' in the 2024 Product Awards.
Full list of 2024 winners
Taylor Blackburn's experience
I took out the ANZ Frequent Flyer Black Credit Card about a year ago. I was looking to switch from a Virgin Amex to a Qantas Visa, as Virgin flights were harder to redeem for US travel and Amex sometimes incurred a surcharge or wasn't accepted. The ANZ card has more bonus points on application and Visa is much more widely accepted. But the earn rate is slightly less, the ongoing annual fee is slightly more, and after you spend $7K in a month you only earn 0.5 points per $1 spent. I also found the Amex app much easier to use than the ANZ app, especially for payments. I like this card overall, but I'd like a few more perks, the removal of the half points cap for a $425 card, and an easier to use app.— Taylor Blackburn, Finder crew member
How to apply
You can apply for the ANZ Frequent Flyer Black Credit Card in around 20 minutes and expect a response within 60 seconds. Before you apply, check if you meet the eligibility criteria and have the necessary details to complete the application.Eligibility criteria
- New cardholder. The introductory offers are only available to new ANZ Frequent Flyer customers who don't currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.
- Residency requirement. Citizens and permanent residents of Australia are eligible to apply. If you are a non-Australian permanent resident, you must have at least 12 months remaining on an eligible working or business visa.
Your reviews
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Amy Finder
Editor
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Sarah Megginson Finder
August 01, 2024
Yes absolutely, any points earned by additional cardholders are credited back to the primary card holder’s frequent flyer account.
Alan
July 29, 2024
Does this card enable u to get to one world emerald through credit card spend over a year? And does it give an automatic premium status?
Sarah Megginson Finder
July 29, 2024
Hi Alan,
To benefit from oneworld benefits, you’ll need to grow in status with Qantas. This card will help you to substantially build your points balance, but it won’t help you increase your status. You can learn more about the oneworld program here.
Hope this helps!
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Andrew Marshall
June 18, 2024
What is the balance transfer fee? I currently have a NAB card and was wanting to transfer some of the balance to this ANZ card.
Sarah Megginson Finder
June 20, 2024
The balance transfer fee is 3%, so if you transfer an amount of $10,000, you’ll pay a fee of $300.
Alan
June 09, 2024
what is classified as an eligible purchase, eg Groceries ,electricity bills etc. Are these eligaile purchases
Sarah Megginson Finder
June 10, 2024
Hi Alan,
Yes, groceries and electricity bills are eligible purchases. Ineligible purchases include things like cash advances, interest charges, online gambling and fees.
Hope this helps!
Kenneth
April 04, 2024
Looking to purchase a new car. Wait times for delivery exceed 6 months. Assuming the dealer accepts cc payments after a holding deposit is provided, could I use this card for the car payments up to the $7.5K allowed each month to the dealer in the lead up to delivery and receive the Qantas points?
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Sarah Megginson Finder
April 23, 2024
Hi Kenneth,
Yes that would be fine and you would earn points for each transaction. One thing is to consider is fees; most car retailers charge 1-2% in credit card fees, so you’ll end up spending a decent amount of money in credit card fees if you follow this approach.
Hope this helps!
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Nibby
July 31, 2024
Can additional cards holders also generate points for me?