ANZ Frequent Flyer credit card

Offers complimentary Qantas Frequent Flyer membership and Qantas Points per $1 spent, with a $95 annual fee.

Designed for modest credit card spenders, the ANZ Frequent Flyer earns up to 0.5 Qantas Points per $1 on your everyday spending – plus 1 additional point per $1 for eligible spending with Qantas. It also gives you a way to get cashback offers with over 1,700 brands through the Cashrewards Max program.

While the $95 annual fee is relatively low for a frequent flyer credit card, it doesn’t offer complimentary travel insurance, lounge passes or other premium perks you’ll find on cards with higher annual fees.

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Amy Bradney-George

Last Updated Aug 24, 2021

21.24% p.a.

Balance transfer rate

20.24% p.a.

Purchase rate

0.5

Reward points

Per $ spent

$95 p.a.

Annual fee

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Details

Product Name	ANZ Frequent Flyer
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	$95
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.24% p.a.
Min credit limit	$1,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

Earn uncapped Qantas Points per $1 spent on eligible purchases
Cashback offers when you shop through Cashrewards Max
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 program	Qantas Frequent Flyer
Bonus points	N/A
Rewards points per $ spent	0.5

Annual fee	$95
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	3

Review by

Amy Bradney-George

amy.bradney-george@finder.com

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.

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.

As well as the standard earn rates, this card gives you 1 additional point per $1 spent on selected Qantas products and services, including Qantas flights with a QF flight number and Qantas Club membership fees. While this card is light on extra features, its $95 annual fee does makes it a less expensive option when you consider some other frequent flyer credit cards.

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.
Credit history. You must have a good credit rating to apply for this card. If you're not sure what your credit score is, you can get your credit score and a comprehensive credit report for free through Finder.

Age. You must be at least 18 years old to apply.

Required documents

Personal details. This includes your full name, residential address, email address, date of birth, driver's licence number, marital status, number of dependents and contact number.
Employment details. You'll need to provide your current job title, your income from work and your employer's contact details. If you're self-employed, you can provide your accountant's contact details to help confirm these details. You'll also need to provide documents that verify your income, such as recent payslips or tax assessment notices from the Australian Taxation Office (ATO).
Financial details. This includes any other forms of income, such as government payments and benefits, pensions or savings. You'll also need to provide details of existing debts and credit cards, as well as an estimate of your regular household expenses, such as rent or mortgage payments, bills and groceries.
Frequent flyer details. You need to be a Qantas Frequent Flyer member and will need to provide your account details to be able to earn Qantas Points through this credit card. If you're not already a member, you can join for free when you apply for this card – saving you $99.50 on the standard Qantas Frequent Flyer joining fee.

Card benefits

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.
Bonus partners. This card offers 1 additional point per $1 spent with Qantas when you use it to pay for Qantas flights with a QF flight number, as well as Qantas Frequent Flyer and Qantas Club joining and annual fees. You can also earn additional Qantas Points when shopping with any ANZ Bonus Partners. These partners may change at any time, so check the ANZ website or refer to your account for details of current offers.

Cashrewards Max. This complimentary program gives you a way to earn cashback when you shop with over 1,700 brands including Apple, THE ICONIC, Uniqlo and Uber Eats. To get started, create a free Cashrewards account, then link your ANZ credit card to unlock the Cashrewards Max benefits. This includes bigger cashback offers and exclusive deals, such as $20 back when you spend $20 or more through Cashrewards within 7 days of signing up. Once you’re a member, you’ll get cashback when you shop in-store or online with participating brands. The cashback is added to your Cashrewards account and you can transfer it to your bank account or PayPal once you’ve collected at least $10.01 cashback. Learn more about this ANZ Cashrewards partnership that launched in 2021.
Visa benefits. Get access to Visa's range of exclusive shopping and travel offers – such as hotel discounts or upgrades – which are listed on the Visa website. You can also enjoy exclusive ticket and experience offers through Visa Entertainment.
Mobile payment technology. Use your Apple, Android or Samsung device to tap and pay with this card by adding it to your Apple Pay, Google Pay and Samsung Pay wallet. The ANZ Frequent Flyer is also compatible with Fitbit Pay and Garmin Pay.

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.

Interest-free days. You can get up to 55 days interest-free on purchases when you pay your closing balance in full by the due date on each statement. Note that if you have promotional balances from relevant balance transfer plans, instalment plans and buy now pay later plans, you will be eligible for interest-free days on purchases when you pay the full Adjusted Closing Balance listed on your statement by the due date. This is calculated as your closing balance less the sum of any relevant promotional plans.
Cash advance rate. If you use this card to get cash out or for any other cash advance transaction, a variable interest rate of 21.24% p.a. applies.
Cash advance fee. Cash advances made with this card in Australia will attract a fee worth 3% of the transaction amount, while 3% of transaction amount or $4 (whichever is greater) will be charged overseas.
International transaction fee. This card charges a fee worth 3% of each transaction made overseas or online with a merchant that's located overseas.
Security. This card offers 24/7 account monitoring through the ANZ Falcon service, as well as zero liability for fraudulent transactions. You'll also be able to get worldwide emergency card replacement if anything happens to your card.

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197 Comments

Sarra
June 4, 2019

What are the lending terms of this credit card?

Reply
- finder 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
John
March 10, 2019

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

Reply
- finder 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
Lesley
October 22, 2018

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

Reply
- finder 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
Margaret
August 30, 2018

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

Reply
- finder 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
Harman
November 23, 2016

Hi how to get a frequent flyer membership number thanks

Reply
- finder 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

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ANZ Frequent Flyer credit card