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The ANZ Frequent Flyer Black is a premium credit card designed for people who spend a lot on plastic and travel with Qantas. It offers travel perks and rewards including a massive bonus Qantas Points offer, complimentary travel insurance covers and airport lounge invitations. At the cost of the $425 annual fee, you'll want to make sure you get enough value beyond the bonus points if you plan to keep the card.
130,000
Bonus points
20.24% p.a.
Purchase rate
1
Reward point
Per $ spent
$425 p.a.
Annual fee
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Product Name | ANZ Frequent Flyer Black |
---|---|
Rewards program | Qantas Frequent Flyer |
Balance transfer rate p.a. | 21.24% |
Balance transfer revert rate | Cash Advance Rate (21.24% p.a.) |
Balance transfer limit | 95% of available limit |
Purchase rate p.a. | 20.24% |
Annual fee | $425 |
Interest-free period | Up to 55 days on purchases |
Cash advance rate | 21.24% 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 |
Rewards program | Qantas Frequent Flyer |
---|---|
Bonus points | 130,000 |
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 | 3% |
Overseas cash advance fee | 3% of transaction amount or $4 (whichever is greater) |
Overseas ATM withdrawal fee | $5 |
Additional cardholder fee | $65 |
Number of additional cardholders | 9 |
Review by
Amy has been writing about personal finance for more than 13 years – including over 700 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.
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.
October 12, 2019
Hi Nick,
Thanks for your comment. I hope you are doing well!
As it says on the 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 with bonus points. You will find a table that compares the features and benefits of each credit card bonus point, 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 frequent flyer credit cards is also stated on the page.
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. When you are ready, press the ‘Go to site’ button to apply.
Hope this helps and feel free to reach out to us again for further assistance.
With care,
Nikki
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?
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
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!
July 27, 2019
Hi Ian,
Thank you for getting in touch with Finder.
You may start comparing business credit cards earning frequent flyer points. You may compare by looking at their fees, terms, and rates. As of this writing, 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.
You can also check our list of credit cards earning Qantas frequent flyer points.
Once you’ve chosen a provider, you may click the “Go to Site” button to be redirected to their official page where you can check more details or 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
July 11, 2019
What are the $4000 eligible purchases to qualify for the points?
The $200 back is unconditional?
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
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?
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