ANZ Frequent Flyer Black Credit Card

Last updated: Oct 7, 2020

Right now you can enjoy 120,000 bonus Qantas Points and $200 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.

If you’re a new cardholder, you will earn 120,000 bonus Qantas Points and $200 back onto your card when you apply, are approved and spend $3,000 on eligible purchases within the first 3 months from approval.

120,000

Bonus points

20.24% p.a.

Purchase rate

Reward point

Per $ spent

$425 p.a.

Annual fee

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Details

Product Name	ANZ Frequent Flyer Black
Rewards program	Qantas Frequent Flyer
Balance transfer rate	20.24% p.a.
Balance transfer limit	95% of available limit
Purchase rate	20.24% p.a.
Annual fee	$425
Interest-free period	55 days
Cash advance rate	20.24% p.a.
Min credit limit	$15,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

120,000 bonus Qantas Points and $200 back
Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance
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 program	Qantas Frequent Flyer
Bonus points	120,000
Rewards points per $ spent	1

Annual fee	$425
Minimum monthly repayment	2% of the closing balance or $25 , whichever is greater
Late payment fee	$20
Foreign currency conversion fee	3%
Cash advance fee	2% or $4 , whichever is greater
Overseas cash advance fee	2% or $4 , whichever is greater
Overseas ATM withdrawal fee	$5
Additional cardholder fee	$65
Number of additional cardholders	9

Go to ANZ's site More info

Expert review

Review by

Sally McMullen

sally.mcmullen@finder.com.au

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally 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, of the value of these points, you could get two return business class flights between Sydney and Adelaide (110,400 Qantas Points), a return business class flight between Brisbane and Perth (83,000 Qantas Points) or $600 of Woolworths digital gift cards (118,470 points for two $250 cards and one $100 card). 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 $200 back onto your card, helping to offset the $425 annual fee.

These benefits come at the cost of the high annual fee and interest rate. This means it's best suited to those who will take full advantage of the Qantas Points and travel perks, and who will pay off their balance in full every month.

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.

Age. You must be 18 years or older.
Credit rating. To apply for this black-tier product, you must have a good credit rating. You can get your credit score and comprehensive credit report for free through Finder.

Required documents

Personal details. Your complete name, residential address, phone number and email address as well as your marital status and number of dependents.
Proof of identification. Such as your Australian driver's licence or foreign tax number if you're a tax resident in another country.
Finances. This includes your income, expenses, assets and liabilities. You'll need to prove your income with two recent payslips.
Employment. Confirm your employment and provide your employer's contact details. If you're self-employed, you can include your accountant's details.
QFF number. Include your Qantas Frequent Flyer membership number so your points can be debited to your account. If you are not yet a Qantas Frequent Flyer member, you can join for free during the application.

Go to ANZ's site More info

Card benefits

$200 back. You'll get $200 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. 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 120,000 Qantas Points. The bonus points will be credited to your Qantas Frequent Flyer account within 3 months of the spend requirement being met.

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, uncapped. You can also earn 1 additional point per $1 spent on selected Qantas products and services.
Qantas Club Lounge invitations and benefits. Relax in luxury pre-flight with 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 your Qantas Club membership (separate from your Qantas Frequent Flyer membership), you can save up to $497 in the first year.
Complimentary travel insurance covers. Get access to international travel insurance, interstate flight inconvenience insurance, transit accident insurance and rental vehicle excess in Australia insurance when you use your card to pay for at least AUD$250 of the transport costs (ie. airfare) or land content (ie. accommodation).
Complimentary shopping insurance covers. Protect the purchases you make using your ANZ Frequent Flyer Black with extended warranty insurance, purchase protection insurance and guaranteed pricing scheme.
Concierge service. You can contact your personal concierge service 24 hours a day to help you with anything from hotel accommodation, travel recommendations or organising a gift for a loved one.
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. You can also pay with your eligible fitness tracker thanks to Fitbit Pay and Garmin Pay.
ANZ Exclusives. ANZ black cardholders get access to invitation-only lifestyle, dining and entertainment experiences. Past events have included dinners, weekends away, sporting events and wine tastings.
Visa features. Access exclusive travel, entertainment and leisure offers through Visa Offers + Perks.

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.

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 of 3% of the total transaction amount applies to overseas purchases. This fee may also apply for online transactions made with an international retailer online (or processed overseas).
Additional cardholders. You can request up to 9 additional cards linked to your primary account. Each additional card charges a $65 annual fee.

Go to ANZ's site More info

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479 Comments

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.

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

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?

finder 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

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!

finder 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

Marv
July 11, 2019

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

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

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?

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

eligible
May 24, 2019

What are considered eligible purchases?

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

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?

finder 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

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?

finder 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

Amitava
April 23, 2019

Hi, is KrisFlyer miles included under Qantas reward program?

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?

finder 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

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