ANZ Frequent Flyer Black Credit Card

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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 NameANZ Frequent Flyer Black
Rewards ProgramQantas 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 TypeVisa
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
Minimum Income$75,000
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Annual fee$425 p.a.
Minimum Monthly Repayment2% of the closing balance or $25, whichever is greater
Late Payment Fee$20
Cash Advance Fee2% of the transaction amount or $4.00 (whichever is greater)
Overseas Cash Advance Fee2% 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%
of transaction value
Gambling Transactions AllowedYes
Additional Cardholder Fee$65
Number of Additional Cardholders9

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 ProgramQantas Frequent Flyer
Bonus Points75,000 bonus points
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) CapUncapped

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.

Frequently asked questions

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448 Responses

  1. Default Gravatar
    DavidAugust 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?

    • finder Customer Care
      JoelAugust 18, 2018Staff

      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

  2. Default Gravatar
    brettJune 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 .

    • finder Customer Care
      AshJune 5, 2018Staff

      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

  3. Default Gravatar
    FlavioMay 28, 2018

    How do i access the complimentary Qantas Club Lounge

    • finder Customer Care
      NikkiMay 28, 2018Staff

      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

    • finder Customer Care
      NikkiMay 28, 2018Staff

      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

  4. Default Gravatar
    DylanMccApril 20, 2018

    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

    • finder Customer Care
      JoanneApril 20, 2018Staff

      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

  5. Default Gravatar
    April 8, 2018

    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?

    • finder Customer Care
      JeniApril 8, 2018Staff

      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

  6. Default Gravatar
    EvanFebruary 20, 2018

    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?

    • finder Customer Care
      JonathanFebruary 21, 2018Staff

      Hi Evan, thanks for your inquiry.

      Yes. You can open the card then cancel it before 12 months without penalty.

      Best,

      Jonathan

  7. Default Gravatar
    BarbaraFebruary 19, 2018

    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?

    • finder Customer Care
      JonathanMarch 7, 2018Staff

      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

  8. Default Gravatar
    SeanNovember 30, 2017

    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?

    • finder Customer Care
      MayNovember 30, 2017Staff

      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

  9. Default Gravatar
    JessicaNovember 27, 2017

    Hi, are the points only for Qantas flights or is it also usable for other oneworld airlines? Thanks.

    • finder Customer Care
      LouNovember 28, 2017Staff

      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

  10. Default Gravatar
    AlexNovember 14, 2017

    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?

    • finder Customer Care
      HaroldNovember 14, 2017Staff

      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

Credit Cards Comparison

Rates last updated August 21st, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

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* 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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