ANZ Frequent Flyer Black Credit Card

Information verified correct on April 24th, 2017
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Enjoy no annual fee in the first year and a bonus 75,000 Qantas Points on sign up when you meet the minimum spend requirements.

The ANZ Frequent Flyer Black is a premium credit card that earns Qantas Points per $1 spent on eligible purchases. It also comes with additional perks including complimentary insurance cover, airport lounge access and a round-the-clock concierge service.

If you’re a new cardholder, you can boost your Qantas Frequent Flyer balance with 75,000 bonus Qantas Points when you spend at least $2,500 within 3 months of card approval. You can also get 75 Bonus Status Credits when you apply by 30 June 2017, then book and travel on a return flight with Qantas by 30 September 2017.

Product NameANZ Frequent Flyer Black
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)19.99% p.a.
Offer end date30 June 2017
Annual fee$0 p.a. annual fee for the first year ($425 p.a. thereafter)
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
Minimum Monthly Repayment2% of the closing balance or $25, whichever is greater
Minimum Income$75,000
Card TypeVisa
Late Payment Fee$20
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 InsuranceYes
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Income$75,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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
Annual Fee$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Minimum Repayment2% of the closing balance or $25, whichever is greater
Late Payment Fee$20
Over Limit Fee$20
Cash Advance FeeThe greater of 2% of the cash advance amount or a minimum of $0
Overseas Cash Advance FeeThe greater of 2% of cash advance amount or a minimum of $4.00
Overseas ATM Withdrawal Fee$5
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
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$65 p.a.
Number of Additional Cardholders9
BPAYYes
ChequeYes
Direct DebitYes
Australia PostNo
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months of card approval.
  • Take advantage of 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
  • Pay no annual fee for the first year.
  • Earn Qantas Point per $1 spent on eligible purchases.
  • Benefit from two complimentary Qantas Club Lounge invitations every year.
  • Enjoy up to 55 interest-free days on purchases when you pay the account’s closing balance in full each month.

Cons

  • This card comes with a high revert annual fee of $425.
  • You need to earn a minimum income of $75,000 p.a. to be able to apply for this card.
  • Promotional rates on purchases and balance transfers are not available on this card.
Rewards ProgramQantas Frequent Flyer
Bonus Points on Sign-up75,000
Rewards Points per $ (VISA/MC)0.5
Rewards Points per $ (VISA/MC) Cap3,750
Points ExpiryNever

ANZ Frequent Flyer Black Card review

The ANZ Frequent Flyer Black Credit Card is suited to globetrotters and big spenders who are looking for ways to earn more Qantas Points for their spending. This top-tier ANZ credit card also comes with complimentary Qantas Club lounge invitations, a special Qantas Club membership offer and complimentary overseas airport lounge access through the Véloce Lounges service.

As well as travel benefits, the ANZ Frequent Flyer Black offers you complimentary travel insurance and purchase insurance covers, a 24/7 concierge service and invitation-only events through the Exclusives by ANZ program. The minimum credit limit for this card is $15,000, and ANZ requires that you earn at least $75,000 to qualify.

Benefits of getting the ANZ Frequent Flyer Black Credit Card

  • Bonus Qantas Points. Apply for the ANZ Frequent Flyer Black and spend at least $2,500 on eligible purchases within 3 months of card approval to earn a bonus 75,000 Qantas Points as a new cardholder.
  • Bonus Status Credits. You could reach a higher Qantas Frequent Flyer membership tier faster with the ANZ Frequent Flyer Black's 75 Bonus Status Credits offer. This unique benefit is available when you apply by 30 June 2017, book and travel on a new Qantas flight by 30 September 2017.
  • No annual fee in the first year. As a new cardholder, you'll enjoy a $0 annual fee offer in the first year. After that, a standard annual fee of $425 applies. This fee includes a $370 annual account fee and a $55 Rewards Program services fee.
  • Earn Qantas Points as you spend. Earn 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. Eligible purchases include groceries, fuel and retail spending but exclude fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes. Earn rates are subject to change and may be different for existing cardholders. For more information, refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (available online) or call 13 13 14.
  • 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, Android Pay and ANZ Mobile Pay let you use your Apple or Android 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.
  • Card security. ANZ Falcon is in place to monitor your account for suspicious transactions 24/7. If you lose money as a result of a fraudulent transaction, you can get covered for it by the ANZ Fraud Money Back Guarantee. This policy is active as long as you have not contributed to the fraud and have reported it immediately.
  • Visa features. This card comes with Visa payWave functionality that allows you to “tap-and-go” for purchases under $100. It also gives you access to exclusive offers through the Visa Entertainment and Visa Premium services.
  • ANZ Frequent Flyer Rewards Program details. With this card, Qantas Points and bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions booklet. Note that you must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program.

How to apply for the ANZ Frequent Flyer Black Card

Applying for the ANZ Frequent Flyer Black takes around 5 minutes online, and you'll 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 temporary resident holding a 457 working visa and have at least 9 months remaining from the date of application.
  • Minimum income. You must earn a taxable income of more than $75,000 p.a.
  • Credit history. You must have an excellent credit rating.

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

If you’re someone who travels regularly, you could get extra value from the rewards and complimentary extras available on the ANZ Frequent Flyer Black Card. 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.

Frequently asked questions

Can I get an additional card?

Yes, you can get up to 9 additional cards linked to your primary card. There is an additional card fee of $65 per card.

What can the concierge service help me with?

You can turn to this service for help in various matters like finding restaurants and making reservations, making travel arrangements, sending gifts, and arranging business meetings.

What is considered an eligible purchase?

Points are awarded for eligible purchases only. Eligible purchases do not include a number of transactions, like cash withdrawals from an ATM, paying some bills and paying credit card and government fees and charges. Refer to the terms and conditions for a full list of transactions that ineligible to earn Qantas Points.

I'm making an overseas transaction, what are the charges?

Here are the details of all charges applicable with an ANZ credit card:

  • When using an ANZ Visa, ANZ MasterCard or ANZ PAYCARD, ANZ will charge 3% of the value of any foreign or Australian currency transaction charged to ANZ Visa, ANZ MasterCard or ANZ Visa PAYCARD credit card where the merchant or financial institution accepting the card is located outside of Australia. For an overseas ATM transaction the Overseas Transaction Fee is calculated on the value of the transaction and any ATM operator fee that you accept when you proceed with the transaction at the ATM.
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369 Responses to ANZ Frequent Flyer Black Credit Card

  1. Default Gravatar
    Karen | April 19, 2017

    Hi

    I am an additional card holder of a current ANZ Frequent Flyer Credit card, not the holder of card. If I apply for this card in my name only am I eligible for the bonus points? And is my husband eligible to be the additional card holder?

    thanks

    • Staff
      Harold | April 20, 2017

      Hi Karen,

      Thank you for your inquiry.

      If you want to own an ANZ Frequent Flyer Credit card you should meet the following requirements.

      - Minimum Income: $75,000
      - Minimum Age: 18 years of age
      - Permanent resident in Australia
      - Must have “Good” Credit Rating

      I hope this information has helped.

      Cheers,
      Harold

  2. Default Gravatar
    jb | April 17, 2017

    Hi-
    If I earn just under the minimum income (im at $72,500pa) but have good credit history and no large debts am I still eligible?

    thanks,

    • Staff
      Anndy | April 18, 2017

      Hi JB,

      Thanks for your question.

      If you did not meet the minimum income requirement for this card, your application may be declined. You may also check our guide on this page to see the common reasons for a declined credit card application.

      You may compare other frequent flyer credit cards with lower income requirement here.

      Cheers,
      Anndy

  3. Default Gravatar
    Amanda | April 12, 2017

    Do you take into account the income I receive from rental properties or is the required $75000 only my salary?

    • Staff
      arnold.salas@findercrew.com | April 13, 2017

      Hi Amanda,

      Thanks for your inquiry.

      As per application requirements. Only your monthly salary will be taken into account.

      Hope this information helped.

      Cheers,
      Arnold

  4. Default Gravatar
    GB | April 11, 2017

    What is the minimum time period you have to hold the credit card?

    • Staff
      Anndy | April 12, 2017

      Hi GB,

      Thanks for your question.

      There is no minimum time period that you should keep this card open. However, kindly note that if you close your credit card before the bonus points are credited to your account, you may no longer be eligible to receive the points.

      Cheers,
      Anndy

  5. Default Gravatar
    Paulie | March 27, 2017

    I’m trying to maximise FF points so I can upgrade my wife and myself for a big trip we’re taking in December.

    I already have a ANZ FrqFlyer Qantas Platinum card … is there anything to stop me from getting one of these ‘Black’ cards as well?

    I would just switch my spending to the Black to maximise the points.

    • Staff
      Anndy | March 28, 2017

      Hi Paulie,

      Thanks for your question.
      If you are currently holding an ANZ Frequent Flyer Platinum Credit Card, you may no longer be eligible to receive the bonus offer for the ANZ Frequent Flyer Black.

      The terms and conditions of this card states that “This offer is not available when transferring from an existing ANZ credit card or where you currently 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 12 months. This offer applies only once per eligible customer.

      Cheers,
      Anndy

  6. Default Gravatar
    SK | March 22, 2017

    Hi,

    I’m holder ANZ frequent Flyer Black Credit Card. I want to fly from Sydney to Jakarta. one of benefits of this credit card I get two complimentary Qantas Club Lounge invitations every year you have this card. however when I check in Qantas lounge access ANZ frequent Flyer Black Credit Card is not on the list. Please advise how could I use benefit to access lounge in Jakarta airport. Thank you

    • Staff
      Harold | March 24, 2017

      Hi SK,

      Thank you for your question.

      Basically, the offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765. Qantas Club Lounge invitations will be sent to the account holder’s current mailing address within 4 weeks of request, provided the account holder is not in breach of the ANZ Credit Card Conditions. It is the account holder’s responsibility to ensure that ANZ has their current mailing address. Neither ANZ nor Qantas accept responsibility for any delay in delivery of invitations. Lost or stolen invitations will not be replaced. Damaged invitations may not be accepted. Qantas Club Lounge invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas operated international Business Lounges only. Not valid in International First Class Lounges, Chairman’s Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld alliance airline, partner airline or associated lounges. Invitations must not be sold in any way. Invitations are valid for 12 months from date of request and will expire on the date printed on the invitations. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. Access may not be available if the applicable lounge is full or near capacity. Access and use of Qantas Club lounges is subject to Qantas Club rules which are available at qantas.com/qantasclub.

      I hope this information has helped.

      Cheers,
      Harold

  7. Default Gravatar
    Tyson | March 14, 2017

    Hi,

    If I register today and spend $2,500 in say 30 days. When will
    a) status bonus be applied to my account
    b) frequent flyer points be applied

    Thanks!

    • Staff
      Anndy | March 15, 2017

      Hi Tyson,

      Thanks for your question.

      Once your application is approved and you have spent the minimum required purchases within 3 months of card approval, the bonus Status Credits could take up to 10 weeks after travel to be credited to your Qantas Frequent Flyer account. Please note though that the Bonus Status Credits will not contribute towards attaining or retaining Platinum One or Loyalty Bonus.

      Additionally, the bonus Qantas Points will be credited to your Qantas account within three months after meeting the eligible spend criteria. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for the bonus Qantas Points

      Cheers,
      Anndy

  8. Default Gravatar
    Andrew | February 15, 2017

    I am currently a Platinum frequent flyer Visa Card Holder. Am I eligible for the 75,000 frequent flyer points if I apply for the ANZ frequent flyer Black VISA?

  9. Default Gravatar
    BELINDA | February 4, 2017

    Hi – I had an ANZ Credit Card which I cancelled about two years ago. If I apply do I still get the bonus points?

    • Staff
      May | February 5, 2017

      Hi Belinda,

      Thanks for your question.

      Just to confirm, is your ANZ credit card the same as any of these cards: ANZ Frequent Flyer Black, ANZ Frequent Flyer, ANZ Frequent Flyer Gold or ANZ Frequent Flyer Platinum? If so, you can still apply, but I’m afraid that the bonus points will no longer be given to you as the condition in the fine prints states that the offer is offered only once per eligible customer.

      Cheers,
      May

  10. Default Gravatar
    Heidi | February 2, 2017

    Hi, if I apply for the ANZ Frequent Flyer Black Credit Card and qualify for the 75,000 bonus Qantas points – do these transfer to my Qantas FF account or do they sit attached to the Credit Card…if I cancel the card within a year will I still have the points or can I only use the points whilst the card is active? Thanks

    • Staff
      Anndy | February 3, 2017

      Hi Heidi,

      Thanks for your question.

      The bonus Qantas Points will be credited to your frequent flyer account within three months after the eligible spend criteria are met. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points.

      Once the points are credited to your frequent flyer account, you are free to use it, even if you already cancel the card.

      Cheers,
      Anndy

Credit Cards Comparison

Rates last updated April 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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