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Bonus points: 40,000
Purchase rate: 20.99% p.a.
Reward points per $ spent: 0.75
Annual fee: $240 p.a.

Our verdict

Offers up to 40,000 bonus Qantas Points and complimentary insurance covers, with a $295 annual fee.

The ANZ Frequent Flyer Platinum gives you a way to earn Qantas Points on your everyday spending. Right now, you'll get 20,000 bonus Qantas Points when you spend $3,500 on eligible purchases in the first 4 months from approval. And another 20,000 bonus Qantas Points when you keep your card open for over 12 months. With the current introductory offer, you'll get enough Qantas Points for a one-way economy class flight from Sydney to Honolulu (36,200 points plus fees and taxes) or a return business class flight from Melbourne to Brisbane (38,600 points) – with points left over for next time.

If you typically spend around $3,000 per month or less on your card each month, this could be a good fit, as the ANZ Frequent Flyer Platinum offers 0.75 Qantas Points per $1 on eligible spending of up to and including $3,000 in each statement period. After that, you’ll earn just 0.5 Qantas Points per $1 for your eligible spending – plus 1 additional point per $1 spent on selected Qantas products and services. It also offers complimentary insurances for travel and shopping, and a concierge service. These features can help justify the card’s $295 annual fee and 20.99% p.a. interest rate for purchases, but only if you use them.

Pros

Up to 40,000 bonus Qantas Points
0.75 Qantas Points per $1 up to $3,000, then 0.5 points per $1 above $3,000 per statement period. Plus, 1 additional point on select Qantas spend.
Platinum perks, including complimentary international travel insurance and a personal concierge

Cons

The standard annual account fee of $240 p.a. is relatively high.

Where could you fly with ANZ Frequent Flyer Platinum Credit Card's 40K bonus points?

Calculation is based on Classic Rewards redemptions and doesn't include carrier charges, taxes and fees.

Details

Product details

Product Name	ANZ Frequent Flyer Platinum
Balance transfer rate p.a.	21.99%
Balance transfer limit	95% of available limit
Purchase rate p.a.	20.99%
Interest-free days	Up to 44 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$6,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	40,000
Rewards points per $ spent	0.75
Rewards points cap	N/A

Fees

Annual fee	$240
Minimum monthly repayment	2% of the closing balance or $25, whichever is greater
Late payment fee	$20
Foreign currency conversion fee	3.5%
Cash advance fee	3% of the transaction value or $3 (whichever is greater)
Overseas cash advance fee	3% of the transaction value or $3 (whichever is greater)
Overseas ATM withdrawal fee	$5
Additional cardholder fee	$65
Number of additional cardholders	9

How to apply

You can apply for the ANZ Frequent Flyer Platinum online in few minutes and receive a response within 60 seconds. Get started by checking that you meet the following eligibility criteria and have all the documents and details you'll need for the application.

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 at least 12 months remaining on a valid working, business or investor visa.
New cardholder. The bonus points offer is only available to new cardholders who have not held any ANZ Frequent Flyer or ANZ Rewards credit card products in the last 24 months.

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. You'll need to provide your full name, residential address, email address, date of birth, driver's licence number, marital status, number of dependents and contact number.
Employment details. This includes your current job title, your salary and your employer's contact details. If you're self-employed, you'll be asked to 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 provide your Qantas Frequent Flyer membership 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 joining fee.

Card benefits

Up to 40,000 bonus Qantas Points. If you apply for a new ANZ Frequent Flyer Platinum Credit Card and spend $3,500 on eligible purchases in the first 4 months from approval, you'll earn 20,000 bonus Qantas Points. The remaining 20,000 points will be added to your account if you keep your card open for over 12 months. The bonus points will be credited to your Qantas Frequent Flyer account within 3 months of meeting the spend requirement.
Qantas Points per $1 spent. You'll get 0.75 Qantas Points per $1 on eligible purchases up to and including $3,000 per statement period and 0.5 Qantas Points per $1 spent beyond $3,000 per 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.

1 additional point on selected Qantas spending. 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.
Complimentary insurance covers.The ANZ Frequent Flyer Platinum credit card offers a range of complimentary insurances for travel and shopping, including international travel insurance, domestic travel insurance, rental vehicle excess in Australia insurance, purchase protection insurance and extended warranty insurance. The eligibility criteria include making eligible spend with your ANZ Frequent Flyer Platinum credit card.
Concierge service. Get access to a personal concierge service that can help with restaurant and hotel bookings, gifts for loved ones and even travel recommendations.
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 and on the Visa Premium 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 or Samsung Pay account. The ANZ Frequent Flyer is also compatible with Garmin Pay.

Rates & fees

Annual fee. The $295 annual fee for this card includes a $240 annual account fee and a $55 rewards program service fee.
Rates and fees. This card charges a 20.99% p.a. interest rate on purchases and a 21.99% p.a. interest rate on cash advances.

Interest-free days. You'll get up to 44 days interest-free on purchases when you pay account balance in full by the due date on each statement. Note that if you have promotional balances from relevant balance transfer 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.
International transaction fee. This card charges a fee worth 3.5% of each transaction made overseas or online with a merchant that's located overseas.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. ANZ Frequent Flyer Platinum information PDF
2. ANZ Frequent Flyer Platinum TMD

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

ANZ Frequent Flyer Platinum Credit Card

Pros

Cons

Where could you fly with ANZ Frequent Flyer Platinum Credit Card's 40K bonus points?

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

Your reviews

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