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ANZ Frequent Flyer Black Credit Card

ANZ Frequent Flyer Black Find out more Go to site

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Enjoy a bonus 75,000 Qantas Points on sign up when you meet the minimum spend requirements and save with a $0 annual fee in the first year.

The ANZ Frequent Flyer Black offers premium travel benefits 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 by spending at least $2,500 within 3 months of card approval. You can also get 75 Bonus Status Credits when you apply by 30 September 2017, then book and travel on a return flight with Qantas by 31 January 2018.

Product NameANZ Frequent Flyer Black
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)19.99% p.a.
Offer end date30 September 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 September 2017, buy and fly return with Qantas by 31 January 2018.
  • Pay no annual fee for the first year.
  • Earn up to 1.000 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)1
Rewards Points per $ (VISA/MC) CapUncapped
Points ExpiryNever

Review of the ANZ Frequent Flyer Black Card

The ANZ Frequent Flyer Black is a top-tier credit card designed to suit globetrotters and big spenders who want to earn more Qantas Points. It offers between 0.5 and 1 Qantas Point per $1 spent on eligible purchases, complimentary Qantas Club lounge invitations and a special Qantas Club membership offer.

Other benefits include complimentary insurance, airport lounge access through Véloce Lounges, a 24/7 concierge service and invitation-only events through the Exclusives by ANZ program. In terms of costs, it has a standard annual fee of $425 (includes a $370 annual account fee and a $55 Rewards Program services fee) and a purchase rate of 19.99% p.a. (variable).

Benefits of the ANZ Frequent Flyer Black

  • 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 September 2017, get approved and fly return with Qantas by 31 January 2018.
  • 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. 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 PayAndroid Pay, ANZ Mobile Pay and Samsung Pay let you use your Apple, Android or Samsung device to tap and pay with your eligible ANZ credit card.

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. 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.

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.

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.
  • 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.

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.
  • 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

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.

Frequently asked questions

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.

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.

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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413 Responses

  1. Default Gravatar
    GavinJuly 26, 2017

    I have an ANZ Earth-Amex & MasterCard, so if I cancel this and move it across do I validate for the entire offer?

    • Staff
      DanielleJuly 27, 2017Staff

      Hi Gavin,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      According to ANZ, the current offer for the Frequent Flyer Black card is available to new and approved applicants only. Unfortunately, the offer is not available when transferring from an existing ANZ credit card.

      I hope this helps.

      Cheers,
      Danielle

  2. Default Gravatar
    PJuly 6, 2017

    I currently have ANZ Platinum Visa and American Express cards. The American Express service is about to end.

    Can I apply for the FF black card and receive the first year free and complimentary FF points ?.

    • Staff
      ArnoldJuly 9, 2017Staff

      Hi P Middleton,

      Thanks for your inquiry.

      Yes, If you’re a new cardholder, you can collect a bonus 75,000 Qantas Points by spending at least $2,500 within 3 months of card approval. You can also get 75 Bonus Status Credits when you apply by 30 September 2017, then book and travel on a return flight with Qantas by 31 January 2018.

      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.

      Hope this information helped.

      Cheers,
      Arnold

  3. Default Gravatar
    MattJuly 5, 2017

    Does the frequent flyer account need to be in the same name as the credit card to earn points? Or can an account in another name be assigned?
    Cheers

    • Staff
      DanielleJuly 6, 2017Staff

      Hi Matt,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      According to ANZ, the Frequent Flyer account must be in the same name as the Primary cardholder. You may contact ANZ directly for additional information.

      I hope this helps.

      Cheers,
      Danielle

  4. Default Gravatar
    TrevorJuly 2, 2017

    Are any airline flights (ie including the return flight to qualify for additional benefits) booked using the FF Black Card contribute to the $2500 spend requirement for the additional 75.000 points

    • Staff
      DanielleJuly 2, 2017Staff

      Hi Trevor,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      In regards to the 75,000 Bonus Qantas Points and 75 Bonus Status Credits promotions, the terms and conditions are as follows:

      75,000 Bonus Qantas Points:
      Make $2,500 worth of eligible purchases (purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions, for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points) within three months of approval to receive the bonus Qantas Points. The bonus Qantas Points will be credited to your Qantas account within three months of the eligible spend criteria being 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.

      75 Bonus Status Credits:
      To earn 75 Bonus Status Credits, you must apply for an ANZ Frequent Flyer Black credit card by 30 September 2017, be approved and then book and travel on a new Qantas return flight (excludes Classic Flight Rewards, partner or codeshare flights) between 12.01am (AEDT) 6 March and 11.59pm (AEST) 31 January 2018. Your Qantas Frequent Flyer membership number must be recorded at the time of booking. If you change or cancel your flight and/or travel outside the specified dates, this Bonus Status Credits offer will not apply. Bonus Status Credits could take up to 10 weeks after travel to be credited to your Qantas Frequent Flyer account. Bonus Status Credits will not contribute towards attaining or retaining Platinum One or Loyalty Bonus.

      I hope this helps.

      Cheers,
      Danielle

  5. Default Gravatar
    TrevorJuly 2, 2017

    Are payments of service utilities eligible for points
    Are retail purchases of single or multiple items of jewellery eligible for points
    What does “move to a higher tier of qantas membership” mean. If you meet the eligible requirements do you progress from one to a higher level.

    • Staff
      DanielleJuly 2, 2017Staff

      Hi Trevor,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You’ll earn Qantas Points on most purchases with your ANZ Frequent Flyer Black card such as paying bills and buying jewelry. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, e.g. fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points.

      There are four membership tiers above the entry level Bronze, there is silver, gold, platinum, and platinum one. You may refer to this page to find out more on how you can ascend to these tiers or you can also check ANZ’s website directly.

      I hope this helps.

      Cheers,
      Danielle

  6. Default Gravatar
    JuneJune 30, 2017

    Can you use the Qantas Club lounge passes at Sydney domestic airport if you are flying with Jet Star?

    • Staff
      RenchJuly 1, 2017Staff

      Hi June,

      Thanks for your inquiry.

      For ANZ Frequent Flyer Black Credit Card, you will have two complimentary Qantas Club Lounge invitations every year you have this card. You can use this when flying on Qantas or Jetstar.

      Cheers,
      Rench

    • Default Gravatar
      July 2, 2017

      Thanks for your response Rench.

      But please can you specifically respond to if I can use the Qantas Club Lounge passes at Sydney Domestic Airport when flying with Jetstar.
      Also can one of the passes be used by a guest?

      Many thanks!

    • Staff
      RenchJuly 2, 2017Staff

      Hi June,

      Yes, you can use your Qantas Club Lounge passes at Sydney Domestic Airport flying with Jetstar.

      You are welcome to invite family, friends or a colleague to join you in the lounge.

      Domestic Australia and New Zealand Qantas Club – you may invite one guest to join you.
      International Lounge – you may invite one guest to join you. Both you and your guest need to be travelling together further that day on the same flight.

      In addition to the above, you may also be able to bring children into a Qantas lounge subject to the child access guide. If children are older than 18 they are considered as a guest.

      I suggest contacting Qantas directly to manage your complimentary lounge invitations.

      Kind regards,
      Rench

  7. Default Gravatar
    EdJune 30, 2017

    Hi there- with the 75 bonus status credits, can you please confirm if I need to pay for the qualifying return qantas flight on the ANZ card? The conditions say “Book and travel on a return Qantas flight by 30th September 2017 to receive bonus Status Credits”. They make no explicit mention that the flights need to be paid for on the ANZ card. Can you please confirm? Many thanks, Ed

    • Staff
      JonathanJuly 1, 2017Staff

      Hi Ed!

      As per ANZ page Important Information:

      “To earn 75 Bonus Status Credits, you must apply for an ANZ Frequent Flyer Black credit card by 30 September 2017, be approved and then book and travel on a new Qantas return flight (excludes Classic Flight Rewards, partner or codeshare flights) between 12.01am (AEDT) 6 March and 11.59pm (AEST) 31 January 2018″

      Statement that the application of the FF Black Credit Card should be “approved” and “then” implies it should be used to book the said flight. :)

      Hope this helps.

      Cheers,
      Jonathan

  8. Default Gravatar
    MichaelJune 9, 2017

    Hi

    If I spend the minimum amount of $2500 over the 3 months to qualify for the 75,000 point bonus, am I able to then cancel the card with no annual fee, or cancellation fee?

    Thanks

    • Staff
      MayJune 9, 2017Staff

      Hi Michael,

      Thank you for your inquiry.

      You can actually cancel your card at any time so long that you do not have a remaining outstanding balance on the card. There’s no fee when closing your account. Although please note the following conditions from ANZ:

      1. The bonus Qantas Points will be credited to your Qantas account within three months of the eligible spend criteria being met.
      2. 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.

      Cheers,
      May

  9. Default Gravatar
    RayJune 8, 2017

    I am a self-funded retiree. Am I able to get the ANZ Frequent Flyer Black Card?

    • Staff
      RenchJune 8, 2017Staff

      Hi Ray,

      Thanks for your inquiry. Please note that we are not affiliated with ANZ or any company we feature on our site and so we can only offer a general advice.

      If you are a retiree, ANZ may consider your credit card application and might need to provide them with your income details (such as your most recent superannuation details).

      You may also check this page to compare other credit cards for retired applicants.

      Cheers,
      Rench

  10. Default Gravatar
    JohnJune 1, 2017

    Do you charge fees for purchasing Lottery tickets, and are they treated as cash advances and charged interest from day 1?

    • Staff
      MayJune 1, 2017Staff

      Hi John,

      Thank you for your inquiry.

      Lottery tickets may be considered as gambling/gaming products and purchasing of these products are treated as a cash advance by ANZ. For cash advances, interest applies from the day you make the cash advance transaction. Please check here for more details about cash advance rates on credit cards.

      Cheers,
      May

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