ANZ Frequent Flyer Gold Credit Card Review

Information verified correct on December 11th, 2016

Earn uncapped Qantas Points so you can save up for larger rewards.

Important Information
This product is no longer on offer from ANZ. If you'd like to compare their range of frequent flyer offers, please head over to the ANZ Frequent Flyer card, the ANZ Frequent Flyer Platinum card and the ANZ Rewards card option here.

ANZ Frequent Flyer Gold Credit Card review

The ANZ Frequent Flyer Gold Credit Cards give you the ability to earn uncapped Qantas Points, and both of these cards link to a single account and come with a single credit limit. In essence, you’re using one card, but have the option of two when it comes to maximising the number of reward points you earn.

While you can use your Visa card at over 26 million locations around the world, using your American Express card gives you the ability to earn more points.

If required, you can add as many as nine additional cardholders to the primary account, while purchases made using all these cards also earn reward points. In addition, you can also take advantage of up to 55 interest-free days on purchases if you pay your balances completely each month.

Compare other frequent flyer credit cards

Rates last updated December 11th, 2016.

American Express Explorer Credit Card

100,000 bonus points and balance transfer offers have been extended until 30 January 2017.

November 29th, 2016

ANZ Frequent Flyer Platinum

50,000 bonus points offer has been extended, plus a new offer of $0 annual fee for the first year.

November 29th, 2016

ANZ Frequent Flyer

25,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.

November 29th, 2016

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Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
A balance transfer offer of 0% p.a. for 18 months. Earn bonus Velocity Points in the first 3 months plus receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive an exclusive Virgin Australia Gift Voucher each year and benefit from an interest-free offer for the first 12 months.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
American Express Qantas Ultimate Card
Enjoy up to 100,000 bonus Qantas Points on eligible spend, earn up to 3 Qantas Points for every $1 spent and get a free domestic return flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Earn up to 1.5 Qantas Points per $1 spent on purchases, receive 50,000 Qantas Points when you spend $2,500 on eligible purchases for the first three months. Plus, enjoy a waived annual fee for the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ Frequent Flyer
Get 25,000 Qantas Points when you apply online and spend $2,500 on eligible purchases within the first 3 months. Enjoy a $0 annual fee in the first year and earn up to 1 Qantas Point per $1 spent.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with 1 Qantas Point earned per $1 spend. Also you can earn up to 7,500 extra Qantas Points on signup.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
NAB Qantas Rewards Premium Card
Earn 1.5 points per $1 spent on eligible purchases. Also includes the added benefits of a premium card.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one-off 3%% balance transfer fee $250 p.a. Go to site More info
Emirates Citi World MasterCard
Receive 40,000 bonus points and enjoy up to 10% off Emirates flights when you meet the spend requirement. Also pay a reduced annual fee for the first year.
20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info

Reward points

  • Benefit from American Express and Visa. When you use your American Express card for purchases you earn 1.25 points for every dollar you spend. On your Visa card will earn you 0.5 point per dollar.
  • Bonus points. When you use your ANZ Frequent Flyer Gold Credit Cards to make purchases through any ANZ Bonus Partner, you can earn bonus points.
  • Redeeming points. You can redeem accumulated points through the Qantas Frequent Flyer Program, though to do so you should be a Qantas Frequent Flyer Program member. If you're not already a member, know that you have to pay a fee to join.

Exclusive offers

  • Commission-free travellers cheques. When you purchase travellers cheques through any ANZ branch in Australia, you don’t have to pay any commission.
  • American Express Selects. American Express Selects presents a range of exclusive offers which includes airport benefits and retail discounts.
  • Visa Entertainment. Through the Visa Entertainment online portal, you get access to exclusive merchandise, special events and more.

ANZ Frequent Flyer Gold benefits

  • eDine. This web-based program offers cardholders an array of leisure and dining benefits which include offers that cover hotels, restaurants, bistros and cafes in Australia as well as New Zealand. A free newsletter keeps you updated about the latest offers.
  • ANZ Wine Club. Membership to the ANZ Wine Club comes with special offers, discounts and wine advice. Here, you can find premium labels, limited-edition releases and great-value wines.
  • ANZ Car Rental Cover. This complimentary insurance cover provides peace of mind when you’re driving in a hired car. This cover pays a maximum of $2,050 in the form of excess for damage to a rental car.

ANZ Frequent Flyer Gold Credit Card features

Before you apply for this card make sure you take the following aspects into account.

  • Annual fee. Both cards, together, attract an annual fee of $195
  • Additional cardholders. You can add as many as nine additional cardholders to the primary card. Each additional card attracts an annual fee of $10 and a rewards program services fee of $55.
  • Credit limit. Both cards come with a unified minimum credit limit of .
  • Interest-free days. You can get up to 55 interest-free days on purchases as long as you pay your balance in full every billing cycle.
  • Insurance. Get 90-day purchase security insurance that provides cover in case of damage, loss or theft of personal items you purchase using these cards.
  • Emergency replacement. Get worldwide emergency replacement if you lose your ANZ Frequent Flyer Gold cards.
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6 Responses to ANZ Frequent Flyer Gold Credit Card Review

  1. Default Gravatar
    Tess | June 12, 2013

    I keep getting charged for interest on my purchases even though my card is advertised as having 55 days interest free. I pay the balance every month, that is, when I get my bill, I pay the whole amount, about 11 months out of twelve in a year. Can you explain why I am paying interest on my purchases?

    • Staff
      Jacob | June 12, 2013

      Hi Tess. Thanks for your question. This shouldn’t be the case. If you’re paying the entire balance in full each month and you’re not carrying a balance from month to month, then you should receive interest free days on purchases made with the card. You may need to explain your situation to the lender directly. If there has been a mistake made with your account, you may be able to request that the funds be credited back to your account. Sorry we can’t be of more assistance with this topic. Jacob.

  2. Default Gravatar
    MARION | July 2, 2011

    can I transfer my ANZ ff card over to Visa Gold card?

    • Staff
      Jeremy | July 11, 2011

      Hi Marion

      I would check with the provider of the Visa Gold card to check if you meet their application criteria.

      Cheers

      Jeremy

  3. Default Gravatar
    Kristy | June 23, 2011

    Does the Qantas frequent flyer account need to be in the name of the credit card account holder?

    • Staff
      Jeremy | June 24, 2011

      Hi Kristy

      Thanks for your comment!

      A cardholder may only earn points for one rewards account which must be in the same name as the corresponding Qantas Frequent Flyer account and the primary cardholder name.

      Cheers,
      Jeremy

Credit Cards Comparison

Rates last updated December 11th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

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