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ANZ Frequent Flyer Black Credit Card

Sally McMullen
Sally McMullen
Last updated:  

Right now you can enjoy 100,000 bonus Qantas Points, 75 bonus Status Credits and $150 back on your card with this offer.

The ANZ Frequent Flyer Black offers premium travel perks and rewards including a massive bonus Qantas Points offer, complimentary travel insurance and airport lounge invitations.

100,000

Bonus points

20.24% p.a.

Purchase rate

1

Reward point

Per $ spent (Visa/Mastercard)

$425 p.a.

Annual fee

Details

Product NameANZ Frequent Flyer Black
Rewards programQantas Frequent Flyer
Balance transfer rate20.24% p.a.
Balance Transfer Limit95% of available limit
Purchase rate (p.a.)20.24% p.a.
Annual fee$425 p.a.
Interest free period55 days
Cash advance rate (p.a.)20.24% p.a.
Min credit limit$15,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceYes
Minimum age18 years of age
Available to temporary residentsYes - Conditions apply
Joint applicationNo

Pros

  • 100,000 bonus Qantas Points, 75 bonus Status Credits and $150 back
  • Additional 30,000 bonus Qantas Points when you keep your card for over 12 months
  • 2 complimentary Qantas Club Lounge invitations per year

Cons

  • The spend requirement for the bonus points and cashback is relatively high
  • The standard annual fee of $425 is 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
Rewards programQantas Frequent Flyer
Bonus Points100,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)1
Annual fee$425 p.a.
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$20
Foreign currency conversion fee (Visa/Mastercard)3%
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
Go to ANZ's siteMore info

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

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 one way from Sydney to London in premium economy (96,300 points) or fly return from Melbourne to Perth in business class (83,000 points) with 100,000 Qantas Points. If you save your points until the second year, you'll have 130,000 bonus points to play with. And when it comes time to travel, the Qantas Club lounge passes and complimentary travel insurance will come in handy.

When you meet the same spend requirement for the bonus points, you'll also get $150 back onto your card, helping to offset the $425 annual fee. Plus, 75 bonus Status Credits. To give you an idea, 75 Status Credits takes you 25% of the way to Silver Status.

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

  • New cardholder. The bonus points and cashback offer is only available to new ANZ Frequent Flyer customers who haven't opened or closed another ANZ Frequent Flyer account within the previous 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 an eligible working or business visa with at least 9 months remaining.
Go to ANZ's siteMore info

Card benefits

  • Cashback offer. You'll get $150 back to your new ANZ Frequent Flyer Black card when you apply, are approved and spend $3,000 on eligible purchases within the first 3 months.
  • Bonus Qantas Points & Status Credits. Apply for a new ANZ Frequent Flyer Black card, get approved and spend $3,000 on eligible purchases within the first 3 months from approval to earn a bonus 100,000 Qantas Points and 75 bonus Status Credits. When you keep your card for over 12 months (and pay the second year's annual fee) you'll get an additional 30,000 bonus 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 charges a variable purchase rate of 20.24% p.a. and a variable cash advance rate of 20.24% p.a.
Go to ANZ's siteMore info

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479 Comments

  1. Default Gravatar
    Mick
    October 12, 2019

    Hi, I already have 2 anz business one rewards cards. Can I apply for this for personal? So I can spend my monthly living costs on this and accumulate points like I do in business.

    Reply
    • Default Gravatar
      Nikki
      October 12, 2019

      Hi Nick,

      Thanks for your comment. I hope you are doing well!

      As it says on the ANZ ANZ Frequent Flyer Black Credit Card Terms and Conditions, this offer is not available where 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.

      You may continue to search for other frequent flyer credit cards that offer bonus points on this page. You will find a table that compares the features and benefits of each credit card bonus points, frequent flyer program, points per spend, annual fees and interest rates. This way it will be easier for you to see which provider fits you best. If you need further help, a quick guide on how to compare this type of card is also stated on the page. You can also click the compare box beside each credit card option and compare up to 4 options side by side for easier comparison.

      As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps and feel free to reach out to us again for further assistance.

      With care,
      Nikki

      Reply
  2. Default Gravatar
    Brooke
    August 28, 2019

    Hi there,
    I am currently an ANZ card holder which I have had for a number of years. Can I apply for this card?

    Reply
    • Avatarfinder Customer Care
      Jeni
      August 28, 2019

      Hi Brooke,

      Thank you for getting in touch with Finder.

      I’m afraid that you may not be eligible to get an ANZ Frequent Flyer Black credit card if you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card. I suggest that you contact ANZ directly to verify if you may apply for this card given that you have an existing ANZ credit card.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Reply
  3. Default Gravatar
    Ian
    July 26, 2019

    What is the Best Business Credit Card for Qantas FF Points – excluding AMEX both in terms of Application Bonus Points & Points per Dollar Spend?

    Thanks!

    Reply
    • Avatarfinder Customer Care
      Jeni
      July 27, 2019

      Hi Ian,

      Thank you for getting in touch with Finder.

      You may check out this page to compare business credit cards that earn frequent flyer points. Refer to the comparison table and you may compare credit cards by looking at their fees and terms and rates as well. As per that page, NAB allows you to earn Qantas FF and would let you earn up to 100,000 bonus Qantas Points when you meet the spend requirement. While this page is for credit card that would let you earn Qantas FF points. Once you’ve chosen a provider, you may click on the “Go to site” to be redirected to their official page where you can check more details or even start your application.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Reply
  4. Default Gravatar
    Marv
    July 11, 2019

    What are the $4000 eligible purchases to qualify for the points?
    The $200 back is unconditional?

    Reply
    • Default Gravatar
      Nikki
      July 12, 2019

      Hi Marv,

      Thanks for your question.

      Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are fees, cash, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes. This is described in the ANZ Frequent Flyer Reward Terms and Conditions.

      Regarding the 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.

      As a friendly reminder, review the eligibility requirements before proceeding with your application. Also, read about it’s features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this has helped!

      Best,
      Nikki

      Reply
  5. Default Gravatar
    kate
    May 27, 2019

    if i closed my anz account just over 12 months ago after i received the bonus frequent flyer points can i apply for it again and still receive the points?

    Reply
    • Default Gravatar
      Nikki
      May 28, 2019

      Hi Kate,

      Thanks for getting in touch! I’m happy to hear your very interested in this ANZ card.

      This offer is available to new and approved applicants who apply for an ANZ Frequent Flyer Black credit card account. Not available where 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.

      Hope this helps!

      Cheers,
      Nikki

      Reply
  6. Default Gravatar
    eligible
    May 24, 2019

    What are considered eligible purchases?

    Reply
    • Default Gravatar
      Bella
      May 25, 2019

      Hi there,

      Thanks for your inquiry.

      All purchases are eligible as long as it is not a cash advance, balance transfers, and transactions for gambling or gaming purposes or a government charge such as ATO.

      I hope this helps.

      Kind regards,
      Bella

      Reply
  7. Default Gravatar
    Louise
    May 16, 2019

    Hi,

    I am looking at applying for the ANZ Frequent Flyer Black credit card. I did have this card a year ago but cancelled it 21 May 2018. If I apply for this card again within the year of cancelling, am I eligible to receive the bonus 100,000 Frequent Flyer sign up points again? Or do I need to wait until after May 21 to reapply and receive the 100,000 bonus points?

    Reply
    • Avatarfinder Customer Care
      Jeni
      May 18, 2019

      Hi Louise,

      Thank you for getting in touch with Finder.

      You’re not eligible for this card or qualify for the bonus points if you’ve had the card within the previous 12 months.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Reply
  8. Default Gravatar
    Debsy
    April 27, 2019

    Hi! What happens if you are not currently in the Qantas Frequent Flyers program? Can I still earn bonus points? Does it cost to join the flyer program?

    Reply
    • Avatarfinder Customer Care
      Joshua
      April 28, 2019

      Hi Debsy,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      If you are going to join Qantas Frequent Flyer program directly, you would need to pay a membership fee which is currently at $99.50. However, you can skip this fee when you use a complimentary join code from ANZ.

      You can earn the bonus points for this card as long as you are a new cardholder and you spend $4,000 on eligible purchases within the first 3 months from card approval.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

      Reply
  9. Default Gravatar
    Amitava
    April 23, 2019

    Hi, is KrisFlyer miles included under Qantas reward program?

    Reply
  10. Default Gravatar
    stephen
    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?

    Reply
    • Avatarfinder Customer Care
      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

      Reply
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