ANZ Frequent Flyer credit card review | finder.com.au
finder.com.au

ANZ Frequent Flyer credit card

Avatar
Amy Bradney-George
Last updated:  

Receive a complimentary Qantas Frequent Flyer membership and boost your rewards balance with 25,000 bonus Qantas Points.

Designed for modest credit card spenders, the ANZ Frequent Flyer gives you a way to earn Qantas Points for your everyday spending and exclusive offers through Visa Entertainment.

20.24% p.a.

Balance transfer rate

25,000

Bonus points

20.24% p.a.

Purchase rate

0.5

Reward points

Per $ spent

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Details

Product NameANZ Frequent Flyer
Rewards programQantas Frequent Flyer
Balance transfer rate20.24% p.a.
Balance transfer limit95% of available limit
Purchase rate20.24% p.a.
Annual fee$95
Interest-free periodUp to 55 days on purchases
Cash advance rate20.24% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo

Pros

  • Get 25,000 bonus Qantas Points when you spend $1,000 on eligible purchases within the first months from card approval.
  • Earn uncapped Qantas Points per $1 spent on eligible purchases.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Cons

  • The rate of 0.5 Qantas Points per $1 is lower than some of the other rewards cards in the market that have comparable annual fees
  • The earn rate drops to 1 Qantas Points / $1 at a low $500 threshold.
Rewards programQantas Frequent Flyer
Bonus points25,000
Rewards points per $ spent0.5
Annual fee$95
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$20
Foreign currency conversion fee3%
Cash advance fee2% or $4, whichever is greater
Overseas cash advance fee2% or $4, whichever is greater
Overseas ATM withdrawal fee$5
Additional cardholder fee$65
Number of additional cardholders3

Expert review

Avatar

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The ANZ Frequent Flyer is an entry-level rewards card that earns 0.5 Qantas Points per $1 spent on eligible purchases, up to $500 per statement period. If you spend more than this each month, you’ll earn a reduced rate of 0.25 points per $1 spent – so it’s worth thinking about how much you plan to spend each month.

How to apply

If you've compared a range of cards and decided you want to apply for the ANZ Frequent Flyer, you fill out a secure application online in around 5 minutes. Before you get started, make sure you meet the eligibility requirements and have all the relevant documents and details on hand.

Eligibility criteria

  • 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.
  • New cardholder. The bonus point offer is only available for new customers who have not held any ANZ Frequent Flyer credit card products in the last 12 months. This includes ANZ Frequent Flyer Gold, Platinum and Black cards that you may already have or that you previously had in the past year.

Card benefits

  • 25,000 bonus Qantas Points offer. Receive 25,000 bonus Qantas Points when you spend $1,000 on eligible purchases within the first 3 months from card approval.
  • Qantas Points per $1 spent. This card earns 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period. It then earns 0.25 Qantas Points per $1 spent for the remainder of the statement period. The definition of eligible purchases covers most everyday spending categories, including groceries, dining, travel, petrol and retail shopping. Transactions that don't earn you points include cash advances, balance transfers, fees and transactions for gambling or gaming purposes.

Rates & fees

  • Annual fee. This card charges a $95 annual fee.
  • Purchase rate. This card charges a variable purchase rate of 20.24% p.a.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

197 Comments

    Default Gravatar
    Sarra
    June 4, 2019

    What are the lending terms of this credit card?

    Reply
      Avatarfinder Customer Care
      Jeni
      June 5, 2019

      Hi Sarra,

      Thank you for getting in touch with Finder.

      With this ANZ FF credit card, you have up to 44 days interest free on purchases when you pay your account in full each month, standard purchase rate is currently 19.99% p.a. and interest rate on balance transfers and cash advances is currently 21.49% p.a. with a cash advance fee of 2% of the transaction amount or $4 (whichever is greater).

      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

      Reply
    Default Gravatar
    John
    March 10, 2019

    What is the best card for earning frequent flyer points that is not capped?

    Reply
      Avatarfinder Customer Care
      Jhez
      March 12, 2019

      Hello John,

      Thank you for your comment.

      We may not be able to recommend a specific card for you because we do not know your preferences in choosing a card but we can refer you to our uncapped frequent flyer credit cards. The page will guide you more about credit cards that let you earn frequent flyer points with no capping.

      Please compare the cards listed on the page and click the Go to Site button to apply. 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.

      Regards,
      Jhezelyn

      Reply
    Default Gravatar
    Lesley
    October 22, 2018

    Is there a benefit in upgrading from anz blue frequent flyer card to platinum

    Reply
      Avatarfinder Customer Care
      John
      October 22, 2018

      Hi Lesley,

      Thank you for leaving a question.

      Please see the summary of comparison for the 2 cards below. For the perks that you receive, apart from earning Qantas points for each card, the Platinum card provides you with complimentary insurances and Personal Concierge:

      ANZ Frequent Flyer Platinum:
      $295 total annual fee
      19.99% p.a. interest rate on purchases
      21.49% p.a. interest rate on cash advances
      Up to 55 interest-free days on purchases
      Minimum age: 18 years
      Minimum annual income (permanent Australian resident): $35,000
      Minimum annual income (non-permanent Australian resident): $35,000
      0.75 Qantas Points per $1 spent on eligible purchases up to and including $3,000 per statement period
      0.5 Qantas Points per $1 spent on eligible purchases above $3,000 per statement period

      ANZ Frequent Flyer:
      $95 total annual fee
      19.99% p.a. interest rate on purchases
      21.49% p.a. interest rate on cash advances
      Up to 44 interest-free days on purchases
      Minimum age: 18 years
      Minimum annual income (permanent Australian resident): $15,000
      Minimum annual income (non-permanent Australian resident): $15,000
      0.5 Qantas Points per $1 spent on eligible purchases up to and including $500 per statement period
      0.25 Qantas Points per $1 spent on eligible purchases above $500 per statement period

      Hope this helps!

      Cheers,
      Reggie

      Reply
    Default Gravatar
    Margaret
    August 30, 2018

    Is there a Rewards Fee charged on this credit card, in addition to the $95 annual fee?
    Thenks,
    Marg

    Reply
      Avatarfinder Customer Care
      Joshua
      August 30, 2018

      Hi Margaret,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Yes, there are other fees that you should be aware of that comes with the use of this card. Please scroll above this page and you will find the “Fees and repayments” tab. Click that and you will know more about the fees, which include late payment fees, cash advance fees, and ATM withdrawal fees, to name a few.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

      Reply
    Default Gravatar
    Harman
    November 23, 2016

    Hi how to get a frequent flyer membership number thanks

    Reply
      Avatarfinder Customer Care
      May
      November 23, 2016

      Hi Harman,

      Thanks for your question.

      If you are referring to the Qantas FF number, you will need to do register to the Qantas FF program through Qantas’ website to be able to get one, but this is with a cost. However, on this page, you can learn more about the many ways how you can join the Qantas FF program for free.

      Hope this helps.

      Cheers,
      May

      Reply
    Default Gravatar
    Sha
    October 13, 2016

    Hello,

    Can you confirm what the required spend in the first three months is, in order to receive the 25 000 FFP?
    THanks

    Reply
      Avatarfinder Customer Care
      Ysa
      October 22, 2016

      Hi Sha,

      Thanks for your question.

      There is no minimum required spend amount to qualify for the 25,000 bonus Qantas points offer.
      The bonus points will be added to your ANZ Frequent Flyer account after your first eligible purchase within 3 months of account activation.

      I hope this helps.

      Cheers,
      Ysa

      Reply
    Default Gravatar
    Gil
    May 20, 2016

    Why do I need to have two credit cards when I want only one.

    Reply
      Avatarfinder Customer Care
      May
      May 23, 2016

      Hi Gil,

      Thanks for getting in touch.

      With ANZ Frequent Flyer credit cards, the benefits of Visa and AMEX are rolled into one account to give you the highest potential of earning Qantas points on your everyday purchases. This is especially if you’re after of earning them easily including the bonus points.

      Cheers,
      May

      Reply
    Default Gravatar
    Sheila
    May 13, 2016

    Required documents to apply for a Frequent Flyer Card includes accountant contact details if self employed. I am self employed but do not use an accountant. What alternative proofs do you require?

    Reply
      Avatarfinder Customer Care
      Dee
      May 16, 2016

      Hi Sheila,

      Please note that finder.com.au is a financial comparison and information service and is not ANZ.

      Your accountant’s details are necessary when applying for a credit card as a self-employed because the bank needs proofs of your financial status. You could visit ANZ’s nearest branch or call their customer service to inquire if they accept alternative proofs.

      Cheers,
      Anndy

      Reply
    Default Gravatar
    glenn
    March 4, 2016

    Hi
    What exactly is a statement period?
    I would be interested in going overseas, if I spend the equivalent money to earn 5000 points, is this all credited to my frequent flyer or only the 1500 visa / 3000 amex.

    Reply
      Avatarfinder Customer Care
      Jonathan
      March 7, 2016

      Hi Glenn, thanks for your inquiry!

      The statement period will depend on when your account was opened. To request a change in your statement period please contact ANZ directly. I have sent these contact details to your email. Any eligible spending will accumulate points to your Qantas Frequent Flyer account.

      Cheers,

      Jonathan

      Reply
    Default Gravatar
    Clyde
    January 5, 2016

    Can the Cardholder has an additional card for their Partner?

    Reply
      Avatarfinder Customer Care
      Ysa
      January 6, 2016

      Hi Clyde,

      Thanks for your inquiry.

      Yes, you can add up to 3 additional cardholders to your ANZ Frequent Flyer account. Please note that additional cardholder fee of $65 will also apply.

      You may also compare other credit cards with free additional cardholders and also compare balance transfer rate, purchase rates and fees. You can select the “Go to site” button of your preferred credit card to proceed with your application. You can also contact the credit card provider of your choice for further enquiries.

      A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

      I hope this helps.

      Cheers,
      Ysa

      Reply
Go to site