ANZ Frequent Flyer Black Credit Card

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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 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 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) Cap3,750
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 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. 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, Android Pay and ANZ Mobile Pay let you use your Apple or Android 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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391 Responses to ANZ Frequent Flyer Black Credit Card

  1. Default Gravatar
    Andy | May 25, 2017

    Hi

    Do car registration & Electricity bills meet the eligible spend criteria?

    • Staff
      Harold | May 25, 2017

      Hi Andy,

      Thank you for your inquiry.

      Basically, the eligible purchase are the following 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. As long as your transaction/s are within the list of eligible spend.

      I hope this information has helped.

      Cheers,
      Harold

  2. Default Gravatar
    Wendy | May 25, 2017

    Hi, After the rewards points have been added, is it possible to purchase items from the Qantas Shop within 1 month of opening the card? or how long does it take for the bonus points to be credited to the account?

    Thanks.

    • Staff
      Jason | May 25, 2017

      Hi Wendy,

      Thank you for your enquiry.

      The bonus Qantas Points from ANZ Frequent Flyer Black Credit Card will be credited to your Qantas account within three months of the eligible spend criteria being met. You may then use the earned bonus Qantas points as soon as they are transferred to your Qantas account.

      Please check out this link for a guide to Qantas Frequent Flyer.

      Kind regards,
      Jason

  3. Default Gravatar
    jeffery | May 21, 2017

    I am a self funded retire.
    No income but Super assets & savings $2m+.
    We owe our house and have a small farm
    Can I apply for ANZ black credit card
    regards

    • Staff
      Anndy | May 21, 2017

      Hi Jeffery,

      Thanks for your question.

      Yes, if you are a retiree, ANZ may consider your credit card application but you need to provide documents to support 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,
      Anndy

  4. Default Gravatar
    simon | May 18, 2017

    Hi I am considering applying for the card can you please help me check if i qualify for the bonus points promotion as I had to cancel my last card approx 12 months ago due to refinancing my home loan.

    • Staff
      May | May 18, 2017

      Hi Simon,

      Thank you for your inquiry.

      Yes, you would receive the bonus points as long as your previous ANZ card is over 12 months and all the other eligibility criteria for ANZ Frequent Flyer card are met. Please make sure to review the full terms and conditions of the card before you apply.

      Cheers,
      May

  5. Default Gravatar
    Ken | May 16, 2017

    Hi

    I was wondering what qualifies as an “eligible purchase” for the purpose of gaining the 75000 points

    • Staff
      arnold.salas@findercrew.com | May 16, 2017

      Hi Ken,

      Thanks for your inquiry.

      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.

      Hope this information helped.

      Cheers,
      Arnold

  6. Default Gravatar
    Lynne | May 11, 2017

    I read your answer to Amanda that income from rental properties is not taken into account, only salary.
    I am retired, have an annual income well in excess of $130,000, but no ‘salary ‘. Does this mean I am not eligible?

    • Staff
      Harold | May 12, 2017

      Hi Lynne,

      Thank you for your inquiry.

      As long as you meet the following eligibility criteria you are eligible to apply for this product.

      I hope this information has helped.

      Cheers,
      Harold

  7. Default Gravatar
    Denise | May 8, 2017

    I am currently receiving my equivalent wage through work cover. Am i eligible for applying for a credit card? My cover continues through until May next year. I also have two rental properties. One is a holiday short stay that recieves $25,000- $30,000 per year and the other is a contract rental that receives $19,000 per year.

    • Staff
      Harold | May 9, 2017

      Hi Denise,

      Thank you for your inquiry.

      To apply for the ANZ Frequent Flyer Black Credit Card, you must be currently residing in Australia with a residential address and phone number among others.

      I hope this information has helped.

      Cheers,
      Harold

  8. Default Gravatar
    Hila | May 2, 2017

    Is there a minimum amount of time you are contracted to this card or can you cancel at any time? Is there any cancellation fee?

    • Staff
      Anndy | May 3, 2017

      Hi Hila,

      Thanks for your question.

      You may cancel this card at any time, without any cancellation fee. You can follow our guide on this page on how to properly close a credit card to avoid charges.

      Cheers,
      Anndy

  9. Default Gravatar
    Henry | May 1, 2017

    I am retired.
    I have a Super fund which pays me a minimum of $50000 per year and income from several investment properties.
    Am I able to get a card ?
    Thank you

    • Staff
      Harold | May 1, 2017

      Hi Henry,

      Thank you for your inquiry.

      As long as you meet the following eligibility criteria you are eligible to apply for this product.
      - 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.

      I hope this information has helped.

      Cheers,
      Harold

  10. Default Gravatar
    Tim | April 26, 2017

    Hi,

    Does the $2500 over the 3 months need to be spent before June 30 or do you just need to apply for the card before then?

    I earn over $75,000 but salary sacrifice a portion which makes it appear that I earn less then I actually do – would that be taken into consideration?

    Thanks

    • Staff
      Anndy | April 27, 2017

      Hi Tim,

      Thanks for your question.

      To receive the bonus points for ANZ Frequent Flyer Black, you need to spend at least $2,500 within 3 months of card approval, but not necessarily before June 30.

      In regards to your salary sacrifice, you may have to directly get in touch with ANZ to discuss your eligibility.

      Cheers,
      Anndy

Credit Cards Comparison

Rates last updated May 29th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 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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