The ANZ Frequent Flyer Black Credit Card offers plenty of points and travel perks, including a big bonus Qantas Points offer for new customers, lounge invitations and complimentary travel insurance. It also earns a competitive 1 Qantas Point per $1 on eligible purchases up to $7,500 per statement period, then 0.5 points per $1 for the rest of that statement period. But with a relatively high $425 annual fee, you should make sure you get enough value beyond the bonus points if you plan to keep this card.
ANZ Frequent Flyer Black Credit Card
![ANZ Frequent Flyer Black](https://dvh1deh6tagwk.cloudfront.net/credit-cards/images/product/anz-ff-black-optimised.jpg)
- Bonus points
- 130,000
- Purchase rate
- 20.99% p.a.
- Reward point per $ spent
- 1
- Annual fee
- $425 p.a.
Our verdict
Offers up to 130,000 bonus Qantas Points and $200 back on your new card, with a $425 annual fee.
Pros
-
Up to 130,000 bonus Qantas Points and $200 back
-
2 complimentary Qantas Club Lounge invitations per year
-
1 Qantas Point per $1 spent up to $7,500 per statement period, then 0.5 Qantas Points / $1 spent
-
Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance
Cons
-
You need to keep the card over 12 months to collect all the bonus points offered
-
The standard annual fee of $425 p.a. is high.
-
When you spend over $7,500 per statement period, the earn rate drops from 1 point per $1 spent to 0.5 points per $1.
Details
Product details
Product Name | ANZ Frequent Flyer Black |
Balance transfer rate p.a. | 21.99% |
Balance transfer limit | 95% of available limit |
Purchase rate p.a. | 20.99% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 21.99% |
Min credit limit | $15,000 |
Card type | Visa |
Eligibility
Available to temporary residents | Yes - Conditions apply |
Joint application | No |
Rewards
Rewards program | Qantas Frequent Flyer |
Bonus points | 130,000 |
Rewards points per $ spent | 1 |
Fees
Annual fee | $425 |
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% or $3, whichever is greater |
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 | 9 |
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Congratulations, ANZ!
ANZ Frequent Flyer Black won the award for 'Frequent Flyer Credit Card – Qantas' in the 2024 Product Awards.
Full list of 2024 winnersYour reviews
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Amy Finder
Editor
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![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2023/10/Sarah-Megginson_2023_600x600.jpg)
Sarah Megginson Finder
June 20, 2024
The balance transfer fee is 3%, so if you transfer an amount of $10,000, you’ll pay a fee of $300.
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Alan
June 09, 2024
what is classified as an eligible purchase, eg Groceries ,electricity bills etc. Are these eligaile purchases
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2023/10/Sarah-Megginson_2023_600x600.jpg)
Sarah Megginson Finder
June 10, 2024
Hi Alan,
Yes, groceries and electricity bills are eligible purchases. Ineligible purchases include things like cash advances, interest charges, online gambling and fees.
Hope this helps!
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
Kenneth
April 04, 2024
Looking to purchase a new car. Wait times for delivery exceed 6 months. Assuming the dealer accepts cc payments after a holding deposit is provided, could I use this card for the car payments up to the $7.5K allowed each month to the dealer in the lead up to delivery and receive the Qantas points?
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![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2023/10/Sarah-Megginson_2023_600x600.jpg)
Sarah Megginson Finder
April 23, 2024
Hi Kenneth,
Yes that would be fine and you would earn points for each transaction. One thing is to consider is fees; most car retailers charge 1-2% in credit card fees, so you’ll end up spending a decent amount of money in credit card fees if you follow this approach.
Hope this helps!
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Nadia Carroll
March 20, 2024
Hi, can you pay all bills, eg mortgage?
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2023/10/Sarah-Megginson_2023_600x600.jpg)
Sarah Megginson Finder
March 25, 2024
Hi Nadia,
You can use a credit card to pay your mortgage, but you would need to withdraw the money as a cash advance. This means you’ll pay interest of 20%+ from the day you withdraw the money, which makes it very expensive.
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
Sikander Gulzar
March 18, 2024
Can the Qantas reward points be used for Emirates airline ?
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2023/10/Sarah-Megginson_2023_600x600.jpg)
Sarah Megginson Finder
March 19, 2024
Yes, some Emirates flights are available for redemption using Qantas points.
Andrew Marshall
June 18, 2024
What is the balance transfer fee? I currently have a NAB card and was wanting to transfer some of the balance to this ANZ card.