ANZ Frequent Flyer Visa Card – Rates & Fees Review

Information verified correct on December 8th, 2016
ANZ Frequent Flyer Find out more Go to site

Don't worry, by clicking "Go to site" this won't leave a mark on your credit file. An enquiry will only appear on your file once you have submitted a credit card application.

What happens when I click Go to site?
  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

Maximise your frequent flyer points along with ANZ Bonus Partner rewards with the ANZ Frequent Flyer Visa Card. You don't even have to be an ANZ customer to apply.

Product NameANZ Frequent Flyer
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)19.99% p.a.
Annual fee$0 p.a. annual fee for the first year ($95 p.a. thereafter)
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
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$15,000
Minimum Monthly Repayment2%
Minimum Income$15,000
Card TypeAmerican Express/Visa
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
Foreign Currency Conversion Fee (AMEX)
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
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Income$15,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$15,000
Annual Fee$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Minimum Repayment2%
Late Payment Fee$20
Over Limit Fee$20
Cash Advance FeeThe greater of 2% of the cash advance amount or a minimum of $0
Overseas Cash Advance FeeThe greater of 2% of cash advance amount or a minimum of $4
Overseas ATM Withdrawal Fee$5
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
Foreign Currency Conversion Fee (AMEX)
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
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$65 p.a.
Number of Additional Cardholders3
BPAYYes
ChequeYes
Direct DebitYes
Australia PostNo
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Get 25,000 Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within 3 months of card approval.
  • Enjoy annual fee waiver for the first year.
  • Compatible with Apple Pay
  • This credit account offers both Visa and American Express cards for customers to use in certain situations to maximise the amount of rewards they can earn on their everyday purchases.

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.
  • Even with the combined Visa and American Express accounts, the rate of $1 : 1 Qantas Point is lower than some of the other rewards cards in the market that have comparable annual fees.
Rewards ProgramQantas Frequent Flyer
Bonus Points on Sign-up25,000
Rewards Points per $ (VISA/MC)0.5
Rewards Points per $ (AMEX)1
Rewards Points per $ (VISA/MC) Cap1,500
Rewards Points per $ (AMEX) Cap3,000
Points ExpiryNever

How many Qantas Frequent Flyer Points can you earn?

You can earn up to 3,000 points per statement period.

  • ANZ Frequent Flyer American Express Card. For all purchases made on your AMEX you earn 1 Qantas Frequent Flyer point for every $1 dollar you spend.
  • ANZ Frequent Flyer Visa Card. For all purchases made on your Visa you earn 0.5 Qantas Frequent Flyer point for every $1 dollar you spend.

Features of the ANZ Frequent Flyer Visa Card

  • Earn Bonus Points* at over 2,000 ANZ Bonus Partner outlets.
  • You can receive up to 1 Bonus Points* for every dollar spent at ANZ Bonus Partners.
  • $0 p.a. annual fee for the first year ($95 p.a. thereafter) annual fee, including rewards program.
  • Visa acceptance at over 24 million locations worldwide.
  • Up to 44 days interest-free credit on purchases
  • 19.99% p.a. on purchases and 21.49% p.a. on cash advances.
  • 24/7 ANZ Falcon provides advanced around the clock monitoring for suspicious transactions.
  • Online shopping guarantee.

How to apply for the ANZ Frequent Flyer Visa Card

If you think the ANZ Frequent Flyer Visa card is for you, then click ‘Go to site’ to be safely redirected to start your application. Please allow up to 10-15 minutes to complete this form.

Required documents:

  • Australian Driver's licence
  • Employer's address
  • Accountant's name and contact number (if self-employed)
  • Details of your income, assets and liabilities
  • ANZ account number located on your statement (if you're already an ANZ customer)

Eligibility criteria:

  • Be over 18 years of age
  • Have a good credit rating
  • Be a permanent Australian resident, earning a minimum annual income of $15,000. If you are a non-permanent Australian resident you must earn a minimum of $50,000
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5 Responses to ANZ Frequent Flyer Visa Card – Rates & Fees Review

  1. Default Gravatar
    socaquott | September 10, 2015

    I think this is interesting and do not see posted often. This is great information.

  2. Default Gravatar
    Esmond | August 3, 2011

    Hi, I was with ANZ and the Qantas Frequent flyer program and my wife has a current Qantas Frequent flyer membership which has points accrued. If I wish to apply for an ANZ/Qantas Visa Card could we use her membership number and have all points against her card. Regards,Esmond

    • Staff
      Jeremy | February 28, 2012

      Hi Esmond,

      Thanks for the question. If you wish to have a credit card in your own name the frequent flyer membership must also be in your own name too. You have a couple of options available to your though; firstly you could put the credit card in your wife’s name and have yourself as an additional card holder. Second, sign up for a credit card and frequent flyer membership each and under a family transfer between 5,000 and 100,000 points between yourselves; although this can only be done once a year and there is a fee applicable. Hope this helps.

      Cheers,
      Jeremy

  3. Default Gravatar
    Mary | June 8, 2011

    would the bonus points still be available if I applied for a card today?

    • Staff
      Jeremy | June 8, 2011

      Hi Mary

      Thanks for your comment

      Currently there is no bonus points offer on this card.

      Kind regards,

      Jeremy Cabral

Credit Cards Comparison

Rates last updated December 8th, 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

* 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.

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