ANZ Frequent Flyer Black Credit Card

Congratulations, ANZ!

The ANZ Frequent Flyer Black was highly commended for Best Qantas Frequent Flyer Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

Our expert says

"I took out the ANZ Frequent Flyer Black Credit Card about a year ago. I was looking to switch from a Virgin Amex to a Qantas Visa, as Virgin flights were harder to redeem for US travel and Amex sometimes incurred a surcharge or wasn't accepted. The ANZ card has more bonus points on application and Visa is much more widely accepted. But the earn rate is slightly less, the ongoing annual fee is slightly more, and after you spend $7K in a month you only earn 0.5 points per $1 spent. I also found the Amex app much easier to use than the ANZ app, especially for payments. I like this card overall, but I'd like a few more perks, the removal of the half points cap for a $425 card, and an easier to use app."

Taylor Blackburn

Money Expert

How to apply

Eligibility criteria

• New cardholder. The The bonus points and cashback offers are only available to new cardholders who have not held any ANZ Frequent Flyer or ANZ Rewards credit card products in the last 24 months.
• 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 an eligible working, business, or investor visa.

• Age. You must be 18 years or older.
• Credit rating. To apply for this black-tier product, you must have a good credit rating. You can get your credit score and comprehensive credit report for free through Finder.

Required documents

• Personal details. Your complete name, residential address, phone number and email address as well as your marital status and number of dependents.
• Proof of identification. Such as your Australian driver's licence or foreign tax number if you're a tax resident in another country.
• Finances. This includes your income, expenses, assets and liabilities. You'll need to prove your income with two recent payslips.
• Employment. Confirm your employment and provide your employer's contact details. If you're self-employed, you can include your accountant's details.
• Qantas Frequent Flyer number. Include your Qantas Frequent Flyer membership number so your points can be debited to your account. If you are not yet a Qantas Frequent Flyer member, you can join for free during the application.

Card benefits

• Up to 130,000 bonus Qantas Points. If you apply for a new ANZ Frequent Flyer Black Credit Card and spend $5,000 on eligible purchases in the first 3 months from approval, you'll earn 90,000 bonus Qantas Points. The remaining 40,000 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.
• $200 back. With the current offer, you'll also get $200 back on your new ANZ Frequent Flyer Black Credit Card when you spend $5,000 on eligible purchases in the first 3 months from approval.

• Qantas Points per $1 spent. This card earns 1 Qantas Point per $1 on eligible purchases up to and including $7,500 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period.
• 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.
• Qantas Club Lounge invitations and benefits. Get 2 complimentary Qantas Club Lounge invitations every year you have this card. Plus, if you use this card to pay for Qantas Club membership, you can save on the $99 joining fee and get a discount on the standard 1-year membership rate.
• Complimentary insurance covers. The ANZ Frequent Flyer Black Credit Card gives you access to complimentary international travel insurance, domestic travel insurance, rental vehicle excess in Australia insurance, purchase protection insurance and extended warranty insurance. The eligibility criteria for cover includes making eligible payments with your credit card, with full details in the insurance policy document from ANZ.
• Concierge service. This 24/7 personal concierge service can help you with anything from hotel bookings and travel recommendations to organising a gift for a loved one.
• Mobile payments. You can add this credit card to Apple Pay, Google Pay, Samsung Pay or Garmin Pay to make payments straight from your mobile phone or other device.
• ANZ Exclusives. ANZ black cardholders get access to invitation-only lifestyle, dining and entertainment experiences.

Rates & fees

• Annual fee. The $425 annual fee for this card is made up of a $370 annual account fee and a $55 rewards program service fee.
• Interest rates. This card has a variable purchase rate of 20.99% p.a. and a variable cash advance rate of 21.99% p.a.

• Interest-free days. You'll get up to 44 interest-free days on purchases when you pay the account's closing balance in full by the due date on each statement.
• Overseas transaction fee. A fee of 3.5% of the total transaction amount applies to overseas purchases. This fee may also apply for online transactions made with an international retailer online (or processed overseas).
• Additional cardholders. You can request up to 9 additional cards linked to your primary account. Each additional card charges a $65 annual fee.