ANZ Frequent Flyer Black Credit Card

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Enjoy 100,000 bonus Qantas Points and $200 back on your card with this introductory offer.

The ANZ Frequent Flyer Black offers premium travel perks and rewards including Qantas Points on eligible purchases, complimentary travel insurance and airport lounge invitations.

$425 p.a.

Annual fee

100,000

Bonus points

19.99% p.a.

Purchase rate

1

Reward point

Per $ spent (Visa/Mastercard)


Enjoy 100,000 bonus Qantas Points and $200 back on your card with this introductory offer.

The ANZ Frequent Flyer Black offers premium travel perks and rewards including Qantas Points on eligible purchases, complimentary travel insurance and airport lounge invitations.


Details

Product NameANZ Frequent Flyer Black
Rewards ProgramQantas Frequent Flyer
Balance Transfer Revert RateCash Advance Rate (21.49% p.a.)
Purchase Rate19.99% p.a.
Annual Fee$425
Interest Free Period55 days
Cash Advance Rate21.49% p.a.
Minimum Credit Limit$15,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$75,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Condtions apply
Joint ApplicationNo

Pros

  • Receive 100,000 bonus Qantas Points and $200 back to your card.
  • Earn up to 1 Qantas Point per $1 spent on eligible purchases.
  • Two complimentary Qantas Club Lounge invitations every year.

Cons

  • The spend requirement for the bonus points and cashback is high.
  • The standard annual fee of $425 is relatively high.
  • When you spend over $7,500 per statement period, the earn rate drops from 1 point/$1 spent to 0.5 points/$1 spent.
Annual Fee$425
Minimum Monthly Repayment2% of transaction value or $25, whichever is greater
Late Payment Fee$20
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee2% or $4, whichever is greater
Overseas Cash Advance Fee2% or $4, whichever is greater
Overseas ATM Withdrawal Fee$5
Additional Cardholder Fee$65
Number of Additional Cardholders9

Expert Review

Sally McMullen

Review by

Sally McMullen


Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert Review

The ANZ Frequent Flyer Black credit card offers one of the highest bonus Qantas Points promotions on the market. To give you an idea, you could fly from Sydney to Los Angeles in economy (45,000 points each way) or from Perth to Singapore in business class (50,000 points each way) with 100,000 Qantas Points.

You can get extra value from the flight with the $200 cashback offer, Qantas Club perks and complimentary international travel insurance.

How To Apply

You can apply for the ANZ Frequent Flyer Black card in around 5 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

  • Minimum income. This card is only available to applicants with a taxable income of at least $75,000 p.a.
  • Residential status. You must be an Australian citizen, a permanent Australian resident or a non-Australian permanent resident with more than 9 months remaining on your Visa.

Card Benefits

  • Cashback offer. You'll get $200 back to your new ANZ Frequent Flyer Black card when you spend $4,000 on eligible purchases within the first 3 months.
  • Bonus Qantas Points. Apply for a new ANZ Frequent Flyer Black card and spend $4,000 on eligible purchases within the first 3 months from approval to earn a bonus 100,000 Qantas Points. The bonus points will be credited to your Qantas Frequent Flyer account within 3 months of the spend requirement being met.

Rates & Fees

  • Annual fee. This card charges a standard annual fee of $425, of which $370 is an annual account fee and $55 goes towards a rewards program services fee.
  • Interest rates. The ANZ Frequent Flyer Black has a variable purchase rate of 19.99% p.a. and a variable cash advance rate of 21.49% p.a.

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462 Comments

  1. Default Gravatar

    March 27, 2019

    Hi,

    My wife and I have joint home loans with ANZ under the package which we pay an annual fee of $395.00.

    I have an ANZ black card in my own name under the package with no annual fee

    Is my wife eligible to have a card in her sole name with no annual fee also?

    • Staff
      John
      March 28, 2019

      Hi Stephen,

      Thank you for reaching out to Finder.

      If she would be applying for her own card, the promotional coverage may not be provided to her. You may need to directly connect with ANZ to see other option which could be done for your wife to have her own card with no annual fees. Another option is to have your wife as an additional card holder under your primary account so that the annual fee for her is only at $65. Hope this helps!

      Cheers,
      Reggie

  2. Default Gravatar
    Andrew
    March 24, 2019

    I used to have this credit card in 2017-2018 and account was closed on 22nd of February 2018. If I apply now again do I qualify for bonus points?

    • Staff
      Val
      March 24, 2019

      Hi Andrew,

      Thank you or leaving a question. To be eligible for the offer, ensure you don’t currently hold and haven’t opened or closed an ANZ Frequent Flyer Black, ANZ Frequent Flyer Platinum, ANZ Frequent Flyer Gold or an ANZ Frequent Flyer credit card in the last 12 months and meet all other offer eligibility criteria. If it is more than 12 months then you are eligible for this offer. Hope this information helps!

      Cheers,
      Val

  3. Default Gravatar

    March 7, 2019

    I am a Frequent Flyer member. I received a Frequent Flyer Black credit card, ANZ, last mid-November and I started using it spending more than 7500 AUD within 3 months. I expected to receive the point (120000) and status credit (75) since I address all the requests (travels and purchases), but I didn’t yet. I would like to know the reason for this.

    Thank you in advance,

    Mark

    • Staff
      Jeni
      March 9, 2019

      Hi Marco,

      Thank you for getting in touch with Finder.

      Sorry to hear that you haven’t received your bonus rewards points. As per ANZ credit card’s official page, the bonus Qantas Points will be credited to your Qantas account within three months of the eligible spend criteria being met. While the bonus Status Credits could take up to 10 weeks after travel to be credited to your Qantas Frequent Flyer account. If after the said period and you still haven’t received them, I suggest that you contact the ANZ Frequent Flyer Reward team directly to verify this matter. You’ll see more info on this matter from the ANZ Frequent Flyer Reward Terms and Conditions booklet.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  4. Default Gravatar
    George
    January 22, 2019

    I already have a (silver-coloured) ANZ Visa frequent flyer card. Held this card for many years. Would I benefit obtaining this new card?

    • Staff
      Jhezelyn
      January 23, 2019

      Hi George,

      Thank you for your comment.

      If you’re referring to the bonus offer, please be advised that it’s not available if you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Therefore, if you have already gotten a ANZ Visa (silver-coloured) frequent flyer card, you will not qualify for the bonus offer.

      Regards,
      Jhezelyn

  5. Default Gravatar
    andrea
    January 2, 2019

    I have been told that as I have a break free package attached to my loan I am entitled to have a credit card without paying the usual annual fees. Does this apply to the ANZ Frequent Flyer Black Card also please?

    • Staff
      John
      January 2, 2019

      Hi Andrea,

      Thank you for reaching out to finder.

      Please confirm this break free package that entitles you to a credit card via your lender. The lender may have a specific list of banks where you may be able to get the free annual fee or the lender may opt to pay for the annual fee based on the credit card you wish to apply with. Hope this helps!

      Cheers,
      Reggie

  6. Default Gravatar
    John
    November 23, 2018

    After getting the 120,000 point bonus on the ANZ black card can I cancel before the end of membership year and get to retain the points on the Qantas frequent flyer program?

    • Staff
      John
      November 23, 2018

      Hi John,

      Thank you for reaching out to finder.

      As long as you have met the ANZ required purchases to get the points, you would get the points associated with it. Cancelling the card after this has no bearing to your Qantas points being removed from the Qantas frequent flyer program. Hope this helps!

      Cheers,
      Reggie

  7. Default Gravatar
    Ray
    September 3, 2018

    I already have an ANZ Platinum credit card, if I upgrade to Black do I still receive rewards points?

    • Staff
      John
      September 4, 2018

      Hi Ray,

      Thank you for leaving a question.

      The ANZ Frequent Flyer Black Credit Card is under the Qantas Frequent Flyer rewards program. Collect 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period. Hope this helps!

      Cheers,
      Reggie

  8. Default Gravatar
    David
    August 18, 2018

    Hello
    you say purchases can accrue point except cash equivalent transactions.
    Can you explain what a cash equivalent transaction is.
    ie, I have a Council Rates Bill due, if I pay that with the card do I accrue points?

    • Default Gravatar
      Joel
      August 18, 2018

      Hi David,

      Thanks for leaving a question on finder,

      Eligible purchases usually includes everyday spend at the grocery store, on travel bookings and more. You usually can’t earn points on gambling transactions, cash advances, balance transfers and sometimes government transactions. To be certain if you can accrue points in paying your council rates bill since it can be considered as a government transaction, I suggest you speak with ANZ directly.

      Cheers,
      Joel

  9. Default Gravatar
    brett
    June 4, 2018

    what bills do not accrue points
    ie does paying for a purchase over the phone for say building materials delivered to my home qualify .

    • Default Gravatar

      June 5, 2018

      Hi Brett,

      Thank you for visiting finder.

      Purchases made using your ANZ Frequent Flyer Black Credit Card can accrue points as long as they are not fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes. These purchases through merchants or online sellers can be considered as Eligible Purchases.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.

      Cheers,
      Ash

  10. Default Gravatar
    Flavio
    May 28, 2018

    How do i access the complimentary Qantas Club Lounge

    • Staff
      Nikki
      May 28, 2018

      Hi Flavio,

      Thanks for reaching out to finder.

      To gain access to Qantas Club Lounge invitations through the Véloce Lounges service, please present your ANZ Frequent Flyer Black Card and a valid boarding pass in your name at any participating lounge. Just a reminder, please ensure to read its details, as well as the relevant Product Disclosure Statements / Terms & Conditions.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best Regards,
      Nikki

    • Staff
      Nikki
      May 28, 2018

      Hi Flavio,

      Thanks for reaching out.

      To access complimentary Qantas Club Lounge, you must be an ANZ Frequent Flyer cardholder. For more information you can go through the page.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Cheers,
      Nikki

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