ANZ Frequent Flyer credit card – Rates and Fees

Boost your rewards balance with 25,000 bonus Qantas Points with the ANZ Frequent Flyer card.

The ANZ Frequent Flyer Visa includes benefits for both frequent travellers and reward seekers. With this card, you earn 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period. After that, you’ll earn 0.25 Qantas Points per $1 spent for the remainder of the statement period. If you’re a new cardholder, you can also earn 25,000 bonus Qantas Points when make at least one eligible purchase within the first 3 months of card approval.

There are three levels of ANZ Frequent Flyer credit cards - standard, platinum and black. This review will focus on the benefits, rates and fees of the standard ANZ Frequent Flyer Credit Card.

Product NameANZ Frequent Flyer
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)19.99% p.a.
Annual fee$95 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 44 days on purchases
Cash advance rate (p.a.)21.49% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Minimum Income$15,000
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Annual fee$95 p.a.
Minimum Monthly Repayment2% of the closing balance or $25, whichever is greater
Late Payment Fee$20
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Cash Advance Fee2% of the transaction amount or $4 (whichever is greater)
Overseas Cash Advance Fee2% of the transaction amount or $4 (whichever is greater)
Overseas ATM Withdrawal Fee$5
Gambling Transactions AllowedYes
Additional Cardholder Fee$65
Number of Additional Cardholders3

Pros

  • Get 25,000 bonus Qantas Points after your first eligible purchase within 3 months of card approval.
  • Earn uncapped Qantas Points per $1 spent on eligible purchases.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.

Cons

  • There are only up to 44 days interest-free when you have paid your balance off in full and make a purchase on your card.
  • The rate of $1 : 0.5 Qantas Points is lower than some of the other rewards cards in the market that have comparable annual fees
  • The earn rate drops to $1 : 0.25 Qantas Points at a low $500 threshold.
Rewards ProgramQantas Frequent Flyer
Bonus Points25,000 bonus points
Rewards Points per $ spent (VISA/MC)0.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the ANZ Frequent Flyer Visa Card

  • 25,000 bonus Qantas Points offer. Receive 25,000 bonus Qantas Points when you make at least one eligible purchase within 3 months of account activation.
  • Qantas Points. This card earns 0.5 Qantas Points per $1 spent on eligible purchases (capped at 250 points) up to $500 per statement period. It then earns 0.25 Qantas Points per $1 spent for the remainder of the statement period.
  • Bonus partners. You can earn Qantas Points faster when shopping with ANZ Frequent Flyer Bonus Partners including Qantas, Hertz and Ace Insurance. The ANZ Frequent Flyer website details the latest Bonus Partners and the special offers available.
  • 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.

Features of the ANZ Frequent Flyer Visa Card

  • Annual fee. This card comes at the cost of a $95 p.a. annual fee.
  • Interest rates. This card has a variable rate of 19.99% p.a. for purchases and a variable rate of 21.49% p.a. for cash advances.
  • Interest-free days. This card offers up to 44 days interest-free on purchases when you pay your balance in full by the due date on each statement. Note interest-free days do not apply for some transactions, including cash advances and balance transfers.
  • Visa features. This card offers worldwide acceptance via the Visa network and gives you access to exclusive ticket and experience offers via Visa Entertainment.

How to apply for the ANZ Frequent Flyer Visa Card

You don't need to be an existing ANZ customer to apply for this card. Once approved, you can expect to receive your card in the mail within five business days. Please allow up to 15-30 minutes to complete your application. You can expect to receive a response in 60 seconds.

Eligibility criteria

Make sure you meet the following eligibility requirements before applying:

  • You must be at least 18 years of age.
  • You must have a good credit rating.
  • You must earn a minimum of $15,000 per annum.
  • You must be a permanent Australia resident or temporary resident with a 457 working visa (must be valid and have at least 9 months remaining from the date of application).

Required documents

You'll need to provide the following documentation when you apply:

  • Australian driver's license
  • Financial information
  • Your accountant's contact details (if self employed)

The ANZ Frequent Flyer Visa is an entry-level rewards credit card that offers between 0.5 and 0.25 Qantas Points per $1 spent on most everyday purchases. With the earn rate changing after the first $500 spend – and a standard annual fee of $95 – it’s worth comparing this card to other frequent flyer options before you apply so you can find the right card for your circumstances and spending habits.

Back to top
Was this content helpful to you? No  Yes

Ask an Expert

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 Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

192 Responses

  1. Default Gravatar
    MargaretAugust 30, 2018

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

    • finder Customer Care
      JoshuaAugust 30, 2018Staff

      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

  2. Default Gravatar
    HarmanNovember 23, 2016

    Hi how to get a frequent flyer membership number thanks

    • finder Customer Care
      MayNovember 23, 2016Staff

      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

  3. Default Gravatar
    ShaOctober 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

    • finder Customer Care
      YsaOctober 22, 2016Staff

      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

  4. Default Gravatar
    GilMay 20, 2016

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

    • finder Customer Care
      MayMay 23, 2016Staff

      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

  5. Default Gravatar
    SheilaMay 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?

    • finder Customer Care
      LouMay 16, 2016Staff

      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

  6. Default Gravatar
    TommyMarch 21, 2016

    Hi,

    I’m looking at opening up an Account with ANZ for business purposes. I will need an everyday access account to pay staff a weekly wage but would like a linked Credit Card with Frequent Flyer rewards for when I pay for materials etc.. I will need an additional card for my business partner also. Is this something ANZ can help me with??

    • finder Customer Care
      SharonMarch 21, 2016Staff

      Hi Tommy, thanks for your inquiry.

      Please note that you have come through finder.com.au, an online comparison website and is not directly connected to ANZ. We are not in the position to recommend specific products, issuers and services to you, as the best option will always depend on your individual financial needs and situation.

      You may compare ANZ Business credit cards on this page.

      I hope this helps.

      Sharon

  7. Default Gravatar
    glennMarch 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.

    • finder Customer Care
      JonathanMarch 7, 2016Staff

      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

  8. Default Gravatar
    ClydeJanuary 5, 2016

    Can the Cardholder has an additional card for their Partner?

    • finder Customer Care
      YsaJanuary 6, 2016Staff

      Hi Clyde,

      Thanks for your inquiry.

      You can add up to 3 additional cardholder to your ANZ Frequent Flyer account. Please note that an additional fee of $10 will also apply.
      To compare other credit cards with free additional cardholders, please go through this page.

      I hope this helps.

      Cheers,
      Ysa

  9. Default Gravatar
    GilOctober 8, 2015

    How can I find the balance owing on my ANZ FF Visa card at any given time? I do not have a bank account with ANZ.
    Gil

    • finder Customer Care
      SallyOctober 9, 2015Staff

      Hi Gil,

      Thank you for your inquiry.

      There are a few different ways you can check your account balance. You can use ANZ Internet Banking and phone or mobile banking. Make sure you have the copy of your Customer registration number (CRN), credit card, debit card or Access card number with you as these will be needed on checking your balance. Please refer to this page on how to manage your ANZ credit card.

      I hope this helps.

      Cheers,

      Sally

  10. Default Gravatar
    mikeOctober 6, 2015

    Have other ANZ Visa credit FF card customers who spent the $3000 in three months now been told they are not eligible for the 50,000 FF points because they already had an ANZ FF Visa Card?

    • finder Customer Care
      SallyOctober 7, 2015Staff

      Hi Mike,

      Thanks for your inquiry.

      As mentioned in the terms and conditions, “This offer is only available to new and approved applicants who apply for an ANZ Frequent Flyer credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous twelve months.”

      I hope this has helped.

      Cheers,

      Sally

Credit Cards Comparison

Rates last updated October 16th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
Go to site