The ANZ Frequent Flyer Black Credit Card offers plenty of points and travel perks, including a big bonus Qantas Points offer for new customers, lounge invitations and complimentary travel insurance. It also earns a competitive 1 Qantas Point per $1 on eligible purchases up to $7,500 per statement period, then 0.5 points per $1 for the rest of that statement period. But with a relatively high $425 annual fee, you should make sure you get enough value beyond the bonus points if you plan to keep this card.
ANZ Frequent Flyer Black Credit Card

- Bonus points
- 130,000
- Purchase rate
- 20.49% p.a.
- Reward point per $ spent
- 1
- Annual fee
- $425 p.a.
Our verdict
Offers up to 130,000 bonus Qantas Points and $250 back on your new card, with a $425 annual fee.
Pros
-
Up to 130,000 bonus Qantas Points and $250 back
-
2 complimentary Qantas Club Lounge invitations per year
-
1 Qantas Point per $1 spent up to $7,500 per statement period, then 0.5 Qantas Points / $1 spent
-
Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance
Cons
-
You need to keep the card over 12 months to collect all the bonus points offered
-
The standard annual fee of $425 p.a. is high.
-
When you spend over $7,500 per statement period, the earn rate drops from 1 point per $1 spent to 0.5 points per $1.
Details
Product details
Product Name | ANZ Frequent Flyer Black |
Balance transfer rate p.a. | 21.99% |
Balance transfer limit | 95% of available limit |
Purchase rate p.a. | 20.49% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 21.99% |
Min credit limit | $15,000 |
Card type | Visa |
Eligibility
Available to temporary residents | Yes - Conditions apply |
Joint application | No |
Rewards
Rewards program | Qantas Frequent Flyer |
Bonus points | 130,000 |
Rewards points per $ spent | 1 |
Fees
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 |
Your reviews

Amy Finder
Editor
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Amy Bradney-George Finder
December 07, 2023
Hi Brian,
You can check your credit score for free on Finder if you want to check it. Banks and lenders also consider your income (including sources of income), expenses and other factors to make sure they meet their responsible lending requirements. As you already have a credit card with ANZ, you may want to contact the bank directly to discuss a change in cards. I hope this helps.
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Hess
November 23, 2023
Hello, what are considered eligible purchases?
I have spent over $5k within the 3 months but I do not have the frequent flyer points yet.

Sarah Megginson Finder
November 24, 2023
Hi Hess,
Ineligible purchases usually include things like gambling, cash advances, interest, fees and ATO payments. If you have met the eligible spend requirement, bonus points will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria.

Brianna
November 03, 2023
Wi Amy, what is the spend requirement for the bonus points?

Amy Bradney-George Finder
November 06, 2023
Hi Brianna,
It’s $5,000 on eligible purchases in the first 3 months from approval for the current offer, and the bonus points would be credited to your Qantas Frequent Flyer account within 3 months of meeting the spend requirement. I hope this helps.

Brianna
November 03, 2023
How many points do you get if you dont spend $5k in 3 months?

Amy Bradney-George Finder
November 06, 2023
Hi Brianna,
If you didn’t meet the bonus point spend requirement, you would just earn points for each $1 of eligible spending. So the number of points you earned would depend on the amount you spent. I hope this helps.

Craig
November 02, 2023
Under “eligibility criteria” it says you must have a good credit rating. I am not an Australian permanent resident and have been living in Australia for about 1.5 years, however I have zero credit history in Australia (I have checked with Equifax). Given no Australian credit history, is there any way I could be accepted for this card (or other cards offering similar benefits)?
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Amy Bradney-George Finder
November 03, 2023
Hi Craig,
You may want to contact ANZ directly by calling 13 22 73 to discuss your eligibility and application in this case.
As a bit of general background, lenders may approach applications from people with no Australian credit history differently. For example by focusing the other details that are provided as part of the application or requesting further details. But as a credit card application will add details to your Australian credit report, it is a good idea to check with the lender directly. I hope this helps.
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Brian Gordon
November 24, 2023
I am fully retired, we presently have an ANZ Rewards Platinum card. We are looking to update cards to an ANZ Frequent Flyer Black Credit Card. How hard is it to get a credit rating now we are retired ?