ANZ Frequent Flyer Black
- Receive 75,000 bonus Qantas Points
Get $200 back on your card
Eligibility criteria, terms and conditions, fees and charges apply
Enjoy a bonus 75,000 Qantas Points and $200 back on your card after your first eligible purchase.
The ANZ Frequent Flyer Black offers premium travel benefits suited to people who pay on plastic, including Qantas Points per $1 spent on eligible purchases, complimentary travel insurance and airport lounge access. If you’re a new cardholder, you can collect a bonus 75,000 Qantas Points and $200 back onto your card after you make an eligible purchase within 3 months of card approval.
| Product Name | ANZ Frequent Flyer Black |
|---|---|
| Rewards Program | Qantas Frequent Flyer |
| Purchase rate (p.a.) | 19.99% p.a. |
| Annual fee | $425 p.a. |
| Interest Free Period The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement. | Up to 55 days on purchases |
| Cash advance rate (p.a.) | 21.49% p.a. |
| Min credit limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $15,000 |
| Card Type | Visa |
| Foreign Currency Conversion Fee (VISA) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Complimentary Travel Insurance | Yes |
| Minimum Income | $75,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available To Temporary Residents | Yes - Conditions apply |
| Joint Application | No |
| Annual fee | $425 p.a. |
|---|---|
| Minimum Monthly Repayment | 2% of the closing balance or $25, whichever is greater |
| Late Payment Fee | $20 |
| Cash Advance Fee | 2% of the transaction amount or $4.00 (whichever is greater) |
| Overseas Cash Advance Fee | 2% of the transaction amount or $4.00 (whichever is greater) |
| Overseas ATM Withdrawal Fee | $5 |
| Foreign Currency Conversion Fee Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You'll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% |
| Gambling Transactions Allowed | Yes |
| Additional Cardholder Fee | $65 |
| Number of Additional Cardholders | 9 |
Pros
- Receive 75,000 bonus Qantas Points and $200 back to your ANZ Frequent Flyer Black when you make one eligible purchase within the first 3 months.
- Earn up to 1 Qantas Point per $1 spent on eligible purchases.
- Two complimentary Qantas Club Lounge invitations every year.
Cons
- The standard annual fee of $425 is relatively high.
- You need to earn a minimum income of $75,000 p.a. to be able to apply for this card.
| Rewards Program | Qantas Frequent Flyer |
|---|---|
| Bonus Points | 75,000 bonus points |
| Rewards Points per $ spent (VISA/MC) | 1 |
| Rewards Points per $ (VISA/MC) Cap | Uncapped |
Benefits of the ANZ Frequent Flyer Black
- Bonus Qantas Points. Apply for the ANZ Frequent Flyer Black and make at least one eligible purchase within 3 months of card approval to earn a bonus 75,000 Qantas Points as a new cardholder.
- Cashback offer. You'll get $200 back to your new ANZ Frequent Flyer Black card when you make at least one eligible purchase within the first 3 months.
- Earn Qantas Points as you spend. 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.
- Qantas Club benefits. You can look forward to two complimentary Qantas Club Lounge invitations every year you have this card. Plus, if you use your ANZ Frequent Flyer Black Card to pay for Qantas Club membership, you can save up to $475 in the first year.
- Véloce airport lounge access. This card offers unlimited complimentary access to airport lounges around the world through the Véloce Lounges service. Simply present your ANZ Frequent Flyer Black Card and a valid boarding pass in your name at the participating lounge to gain access. Guests travelling with you may also be provided access at the operator's discretion, although additional fees may apply.
- Complimentary insurance covers. When you use your card to make travel bookings, you can get transport accident cover, interstate flight inconvenience insurance, overseas travel and medical insurance and rental excess cover. This card also offers cover for purchases made with your card, offering 90-day purchase security insurance, extended warranty coverage and a best price guarantee scheme.
- Mobile payment technology. Apple Pay, Google Pay and Samsung Pay let you use your Apple, Android or Samsung device to tap and pay with your eligible ANZ credit card.
Features of the ANZ Frequent Flyer Black
Check these details out before you get started with your application for the ANZ Frequent Flyer Black.
- Annual fee. This card has 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 standard variable purchase rate of 19.99% p.a. and a standard variable cash advance rate of 21.49% p.a.
- Interest-free days. You can make use of up to 55 interest-free days on purchases, provided you pay the account’s closing balance in full by the due date on each statement.
- Overseas transaction fee. A fee worth 3% of the total transaction amount applies for overseas purchases. This fee may also apply for online transactions made with an international retailer (or processed overseas).
- Additional cardholders. You can request up to 9 additional cards linked to your primary account. There is an additional card fee of $65 p.a. per card.
- Visa features. Gain access to exclusive offers through the Visa Entertainment and Visa Premium services.
How to apply for the ANZ Frequent Flyer Black Card
Applying for the ANZ Frequent Flyer Black online takes around 5 minutes, and you could get a response within 60 seconds. But before you apply, make sure that you meet the following eligibility criteria:
Eligibility criteria
- Age. You must be over 18 years of age.
- 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.
- Minimum income. You must earn a taxable income of more than $75,000 p.a.
Required documents and information
Before you begin with the application make sure you have the following handy so you don’t end up submitting an incomplete application:
- Your complete name, residential address, phone number, and email address
- Your marital status and number of dependents
- Your Australian driver’s license number, if you have one
- Your employer’s name and contact details
- Details about your income, assets, expenses, and liabilities
The ANZ Frequent Flyer Black Card offers you extra benefits when you travel and gives you a way to boost your Qantas Frequent Flyer Points balance. As this card is not the only Qantas Frequent Flyer option on the market, make sure you compare a range of other cards so you can apply for one that suits your budget and your needs.
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?
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
what bills do not accrue points
ie does paying for a purchase over the phone for say building materials delivered to my home qualify .
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
How do i access the complimentary Qantas Club Lounge
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
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
Do you accept income in the form of a trust fund? Some companies allow this if provided a copy of my 2017 tax return. Thank you
Hi Dylan,
Thank you for visiting finder, we are a financial comparison website and general information service.
One of the eligibility requirements for the ANZ Frequent Flyer Black Card states you must earn a taxable income of more than $75,000 p.a. As we do not represent the companies featured on our pages, for this specific question, it would be best that you contact ANZ’s credit card assessment team so they can give you a more details.
Cheers,
Joanne
Please advise how soon after the $2500 spend limit is reached on anz frequent flyer black card that 75000 Qantas bonus points are awarded. Are the points only awarded after three months of membership – despite the fact that the $2500 spend was achieved in the first month? Or are they awarded as soon as the $2500 spend has passed?
Hi Katharine,
Thank you for getting in touch with finder.
Points are typically credited in 2 weeks, but can take up to 8 after the spend criteria is met.
I hope this helps.
Have a great day!
Cheers,
Jeni
Is there any restriction for keeping the card active in terms of time frame?
Can I open it up then cancel it within the 12 months without penalty?
Hi Evan, thanks for your inquiry.
Yes. You can open the card then cancel it before 12 months without penalty.
Best,
Jonathan
what happens if I cancel the ANZ Frequent Flyer Black Card after one year to avoid the annual card fee? Are there any credit cards that offer bonus joining points with VELOCITY/Virgin Airlines?
Hi Barbara, thanks for your inquiry.
You will need to cancel the card before one year in order to avoid the annual fee. You can compare Velocity frequent flyer credit cards here.
Best,
Jonathan
Good morning, can you tell me what qualifies as a new customer? ie, is a current ANZ customer with current ANZ credit cards considered to be a new customer?
Hi Sean,
Thank you for your inquiry.
If you’re after to get the bonus 75,000 Qantas Points offered on this ANZ Frequent Flyer Black, the new applicant must not hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous twelve months. This offer applies only once per eligible customer. If you’d like to further confirm, contacting ANZ directly would also be great.
Cheers,
May
Hi, are the points only for Qantas flights or is it also usable for other oneworld airlines? Thanks.
Hi Jessica,
Thanks for your question.
You may use Qantas points not only for Qantas flights but also on Jetstar, oneworld alliance or partnered airlines.
For more information on using your Qantas points for flights, you can check our guide here.
Cheers,
Anndy
Hi, I currently hold an ANZ MasterCard which I have had for 7 years. Would I be able to cancel that account and sign up for this one instead?
Hi Alex,
Thank you for your inquiry.
Before you proceed to cancel your current card. You may want to read our guide first for your reference.
I hope this information has helped.
Cheers,
Harold