Credit Card Offers ANZ Frequent Flyer Platinum Offers & Discussion

[Dr Ralph]

Does ANZ offer pro-rated annual fee reimbursements? I've only held the card for 3 months and have heard of some people getting back some of their annual fee.

I doubt those are recent reports.

 

[MelbFlyer]

Also, does anyone have any recent experience on whether or not the QFF points will be issued at the first statement after the spend criteria is met (as per usual for most / 99% of rewards cards), or, would the same thing happen as per above (bonus points taking months / multiple statements later to be issued)?

Just bumping - does anyone have any recent experience with the ANZ QFF cards and when the bonus points / cashback are awarded?

Hoping that the QFF line of cards doesn't take as long as the ANZ rewards line of cards.

I doubt those are recent reports.

This year, for Westpac and NAB, my colleague was able to get a pro-rated annual fee reimbursement.

I guess ANZ don't offer this, although the worst they can say is "no" if asked. Don't ask, don't get.

 

[NM]

Just bumping - does anyone have any recent experience with the ANZ QFF cards and when the bonus points / cashback are awarded?

Hoping that the QFF line of cards doesn't take as long as the ANZ rewards line of cards.

look back at my previous post #213 in this thread for my recent (Jan 2025) experience.

 

[MelbFlyer]

look back at my previous post #213 in this thread for my recent (Jan 2025) experience.

Thankyou, so it seems that ANZ awards the bonus QFF points at the first statement after meeting the spend criteria, which is to be expected.

My ANZ rewards card was otherwise - it took >2 statements after meeting the spend criteria for the bonus points to be issued, effectively almost taking the entire 90 days / 3 months from meeting the spend criteria T&C.

Long story short -
ANZ QFF - Awards points and cashback from the first statement after meeting spend criteria
ANZ Rewards - Only awards points and cashback within 3 months of meeting spend criteria

 

[NM]

Thankyou, so it seems that ANZ awards the bonus QFF points at the first statement after meeting the spend criteria, which is to be expected.

My ANZ rewards card was otherwise - it took >2 statements after meeting the spend criteria for the bonus points to be issued, effectively almost taking the entire 90 days / 3 months from meeting the spend criteria T&C.

Long story short -
ANZ QFF - Awards points and cashback from the first statement after meeting spend criteria
ANZ Rewards - Only awards points and cashback within 3 months of meeting spend criteria

To be clear, I achieved the spend challenge during my second statement period. The bonus points were NOT noted on the second statement. They were identified on my third statement and landed in my QFF account the day after they appeared on the statement. So its NOT the first statement after achieving the spend challenge. It is effectively the second statement after achieving the goal. Meet spend 1 day into the statement period and its almost 2 months before seeing the points. Complete the challenge the day before statement is issued and points will be included in the following statement (one month later). So its between 1 and 2 months after reaching the spend challenge.

 

[DCFF1961]

Interesting situation due to ANZ error, I received double bonus points (90000 x 2) and double $200 refund…I ignored it and the extra 90,000 points were reversed and the extra $200 debited….
So no big deal…today received letter from ANZ acknowledging error, and advise of debiting of extra $200
They also state in their letter
“The duplicate 90,000 Bonus Qantas Frequent Flyer points of will remain credited to your Qantas Frequent Flyer account, and no further action will be taken to withdraw it”
How would you read that ??? A chat with ANZ claims they are referring to the legitimate points, but would that require a reference to “further action”
Note the oddly placed “of” is in the original text
Appreciate this may be seen as being a bit cheeky…I may just let it go…

 

[Kangol]

Interesting situation due to ANZ error, I received double bonus points (90000 x 2) and double $200 refund…I ignored it and the extra 90,000 points were reversed and the extra $200 debited….
So no big deal…today received letter from ANZ acknowledging error, and advise of debiting of extra $200
They also state in their letter
“The duplicate 90,000 Bonus Qantas Frequent Flyer points of will remain credited to your Qantas Frequent Flyer account, and no further action will be taken to withdraw it”
How would you read that ??? A chat with ANZ claims they are referring to the legitimate points, but would that require a reference to “further action”
Note the oddly placed “of” is in the original text
Appreciate this may be seen as being a bit cheeky…I may just let it go…

I wouldn't let it go. They said they would give you free points - at least that's my read on it.
You could push them for the extra $200 and go to AFCA if they don't

 

[ChrisMars]

Interesting situation due to ANZ error, I received double bonus points (90000 x 2) and double $200 refund…I ignored it and the extra 90,000 points were reversed and the extra $200 debited….
So no big deal…today received letter from ANZ acknowledging error, and advise of debiting of extra $200
They also state in their letter
“The duplicate 90,000 Bonus Qantas Frequent Flyer points of will remain credited to your Qantas Frequent Flyer account, and no further action will be taken to withdraw it”
How would you read that ??? A chat with ANZ claims they are referring to the legitimate points, but would that require a reference to “further action”
Note the oddly placed “of” is in the original text
Appreciate this may be seen as being a bit cheeky…I may just let it go…

I would let it go. There was a mistake, they realise that, they claw back the points, it s the normal outcome. Someone on the email didn't phrase it correctly, but I don't think it should be ground for a claim. My 2 cents.

 

[DCFF1961]

I would let it go. There was a mistake, they realise that, they claw back the points, it s the normal outcome. Someone on the email didn't phrase it correctly, but I don't think it should be ground for a claim. My 2 cents.

 

[MelbFlyer]

To be clear, I achieved the spend challenge during my second statement period. The bonus points were NOT noted on the second statement. They were identified on my third statement and landed in my QFF account the day after they appeared on the statement. So its NOT the first statement after achieving the spend challenge. It is effectively the second statement after achieving the goal. Meet spend 1 day into the statement period and its almost 2 months before seeing the points. Complete the challenge the day before statement is issued and points will be included in the following statement (one month later). So its between 1 and 2 months after reaching the spend challenge.

So I've applied for, and have been approved for the ANZ FF Platinum card (75k pts + $100 cashback after $2.5k eligible spend).
This will be the 3rd time I've had this card - once in 2018, again in 2023 and now in 2025.

In both of my previous experiences in having this card (among other QFF/VFF cards), the points and cashback have been awarded at the first statement after the spend criteria is met.

ie.
Statement period is the 15th to 14th (using today as an example for simplicity) of each month.

Assuming the spend criteria is met before the 14th of May with all pending transactions posted, a statement is issued on or around the 17th of May - the points and cashback should be awarded sometime next month (May), not June.

Let's hope that this is the case for this ANZ FF Platinum card.

 

[NM]

As with most things in this space, YMMV is the key. I posted about my own experience earlier this year, so that is an accurate representation of the facts as I experienced in my most recent uptake of this card (third time too for me). I do not remember the exact timing of points arriving from my previous times with this card. But based on my experience with the ANZ FF Black card in December 2024, I would NOT be assuming points arrival at the end of the statement period in which the spend challenge is completed. I have not seen any reports here of people with a more recent experience than mine that would suggest any different, unless it is different for ANZ FF Platinum card.

Please do report back with your outcome so we have anew data point as reference.

 

[MelbFlyer]

So my 2nd statement has been issued and the minimum spend was definitely reached within it - I've only been awarded the regular spend points and not the 75k bonus sign-up points. Also haven't received the cashback either.

Definitely seems like ANZ is intentionally deferring awarding the sign-up bonus / cashbacks until a random time after the spend criteria is met (and not usually at the issuance of the first statement after the spend criteria is met as they used to).

I also applied for, and was approved for this card before they tightened up the eligibility (both the minimum timeframe from 12 to 24 months, and no longer being able to toggle between the FF and Rewards programs), so I'm definitely still expecting the points and cashback to be awarded at some point in the future.

 

[MelbFlyer]

Just checked my internet banking this morning and saw that the $100 cashback has now been awarded.

It then prompted me to check the rewards points link and there it is - the 75k QFF points sign up bonus.

Will have to wait until the end of this statement period for those points to transfer through to QFF though.

This time, not too bad from ANZ - although the bonus points and cashback didn't get posted upon first issuance of a statement after minimum spend is met, but instead a week into the next statement period.

Much better than their rewards program which took at least 2 statements / 3 months after the minimum spend was met.

 

[MelbFlyer]

My 75k QFF points have now landed in my QFF account after my 3rd statement was issued.

Not too bad compared to their rewards program, although the spend criteria was met within the 2nd statement period and therefore I expected the points upon the 2nd statement being issued.

So in my experience this time round, the bonus points and cashback were awarded 1 statement after meeting the spend criteria.

ie:
Statement Month 1 - Didn't meet spend
Statement Month 2 - Met spend, but no bonus points issued
Statement Month 3 - Points issued

 

[Springthing]

Recently signed up for this card. I spent over the $2.5k min spend in the first month. Paid off the amount by the due date. I'm nearly into my 3rd month of having the card. And am still waiting for the 75k QFF points. I even messaged ANZ via the app, asking for an update on when the bonus points will arrive, and was informed to expect it to take 3 months as per the T&Cs. Not complaining, just sharing my experience.

 

[Springthing]

Recently signed up for this card. I spent over the $2.5k min spend in the first month. Paid off the amount by the due date. I'm nearly into my 3rd month of having the card. And am still waiting for the 75k QFF points. I even messaged ANZ via the app, asking for an update on when the bonus points will arrive, and was informed to expect it to take 3 months as per the T&Cs. Not complaining, just sharing my experience.

FYI -Today my second statement arrived on email. Checked my QFF balance and the bonus points also landed today. Seems consistent with MelbFlyer's experience

 

[XavierP]

I re-read the fine print to get this cleared up today. Until yesterday all I saw was "40K points in the second year". But reality is that it is AFTER you pay full renewal fees for the card which is $425.

Can someone please verify this for my peace of mind?

Thank you.

 

[MelbFlyer]

"40K points in the second year". But reality is that it is AFTER you pay full renewal fees for the card which is $425.

It's generally always only awarded after the annual fee has been charged.

Same as the annual fee being charged at the first statement after approval.

You can try to call up to cancel and ask for a pro-rated refund, sometimes it gets waived if you try hard enough.

 

[XavierP]

Thank you for the reply @MelbFlyer
I am nearing my 12 months; i am working out if it is worthwhile paying the full $425 for an extra 40K. Calculations show it is poor value compared to taking another card.

 

[MelbFlyer]

I am nearing my 12 months; i am working out if it is worthwhile paying the full $425 for an extra 40K. Calculations show it is poor value compared to taking another card.

If the anniversary points are only the cost of the annual fee, rather than another $x amount of spending (usually $3-4k), then I'd say it's a good deal.

What sort of calculations are you referring to otherwise? If you opt for another card, you'd have to spend thousands more to get x amount of points.

ie. Let's say you're looking to get a new card instead of paying an anniversary annual fee - a Westpac Qantas Altitude Black card.

The Westpac Qantas Altitude Black card awards 90k points after a $6k spend and $370 annual fee ($295 annual fee + $75 Qantas rewards fee).

The "cost" of those 90k points is then $0.071/pt.
For 40k points for the cost of the $425 annual fee for the ANZ FF Black card, it's $0.011/pt.

Buying 40k points is currently $1,155 but for the cost of an annual fee of $425, I'd keep the card.

Even if you buy from Qantas Wine and get bonus points, you'd have to spend a lot more than $425 to get 40k bonus points.

Having the alcohol as "an extra" doesn't really cut it (despite a lot of posters thinking otherwise), unless you're a drinker and / or will be gifting that alcohol.

The only thing that I'd toss up on is that due to the longer blackout periods (now usually 24 months), would I want to hold onto a card for that long, or cancel ASAP to shorten the blackout periods.

For me, if the cost of the anniversary points is the annual fee only, I'd keep it. If it was spending another $3-4k in year 2, I'd rather cancel and sign-up for another card.