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Best use of ANZ Breakfree package

rumham

Newbie
Joined
Aug 6, 2020
Messages
5
We recently refinanced over to ANZ to take advantage of a lower rate plus the cash back bonus. We are on the breakfree package and can have the fee waived on several eligible cards. I have confirmed over the phone that we are still eligible for the bonus points even if we have the annual fee waived.

I'm just trying to figure out which card would be the best to take advantage of this? The Rewards Black or the Frequent Flyer Black, we would meet the minimum spend on either quite easily.

I'm also wondering whether i should just churn both each year and take the easy points and then maybe use another as my daily driver

We would travel overseas only once every 3 years or so and holiday once a year inside Australia.

I was thinking that at the very least, keep one card for rewards points would slightly offset the annual fee of the breakfree package.
 

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Mattg

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In general, the bonus points are better with the Frequent Flyer Black card. If you opt for ANZ Rewards points, these can be transferred to Velocity/KrisFlyer but only at a 2:1 rate, which dilutes the value of the points. The bonus Qantas status credits that you currently get with the Frequent Flyer Black card would also be handy.

If you holiday once per year within Australia, also have a look at the ANZ Rewards Travel Adventures card which comes with a free domestic return Virgin Australia flight every year (and 2 lounge passes). You also get no overseas transaction fees with that card, which could be handy for occasional overseas trips.
 

NoName

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Aug 1, 2012
Messages
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Interesting that they told you that you were still eligible for bonus points even if the annual fee was waived on the Breakfree package. I was told exactly the opposite of this - fee waiver OR bonus points. Can’t have both. You may want to get this in writing prior to applying.
 

Happy Dude

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Oct 13, 2006
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Interesting that they told you that you were still eligible for bonus points even if the annual fee was waived on the Breakfree package. I was told exactly the opposite of this - fee waiver OR bonus points. Can’t have both. You may want to get this in writing prior to applying.
I was told this - kinda. I was told that I would be able to get a free credit card with sign up points next year. Free credit card with no sign on this year.
 

wxxnxs

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Nov 20, 2008
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639
You still have to pay $55 rewards fee per card, the homeloan package only waives card annual fee but not rewards fee.
 

Jack3193

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Interesting that they told you that you were still eligible for bonus points even if the annual fee was waived on the Breakfree package. I was told exactly the opposite of this - fee waiver OR bonus points. Can’t have both. You may want to get this in writing prior to applying.
I was also told that I would get no bonus points. My situation is identical to the OP's - I recently switched to ANZ and took out the Breakfree package. I was very directly told on the phone that if I use the package to get a fee free card, I will not get bonus points. The person drew my attention to the fact that this is stated in the T&Cs, which I then discovered to be correct.

If I was the OP, I would call again to get this clarified (and please report back!). There will be a cost to take out an ANZ card even if it is fee free - there is the $55 reward fee, plus the fact that you will have to meet the minimum spend (e.g. $3k) on card that might not otherwise be the best one to use, plus the opportunity cost - i.e. for anyone there is going to be a limit to the number of cards you can apply for within a period of time and the number of minimum spend criteria that you can meet.
 

kamchatsky

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Mar 8, 2006
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I was also told that I would get no bonus points. My situation is identical to the OP's - I recently switched to ANZ and took out the Breakfree package. I was very directly told on the phone that if I use the package to get a fee free card, I will not get bonus points. The person drew my attention to the fact that this is stated in the T&Cs, which I then discovered to be correct.

If I was the OP, I would call again to get this clarified (and please report back!). There will be a cost to take out an ANZ card even if it is fee free - there is the $55 reward fee, plus the fact that you will have to meet the minimum spend (e.g. $3k) on card that might not otherwise be the best one to use, plus the opportunity cost - i.e. for anyone there is going to be a limit to the number of cards you can apply for within a period of time and the number of minimum spend criteria that you can meet.
In the past when I had ANZ breakfree package, I just sign up ANZ card with the excellent signup offer, get charged the annual fee and get the bonus points. Then I call ANZ to add the card to package and get the annual fee refunded. That worked for me.
 
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rumham

Newbie
Joined
Aug 6, 2020
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I confirmed this with ANZ, it is either no fee or points, the person i spoke to the first time around had given me the wrong information.

Now i'm not sure what would be the best way to proceed. I could apply for the platinum card which has 75,000 qantas point and no annual fee through point hacks offer, and then move to the black card on the breakfree package for regular points earning afterwards perhaps
 

Jack3193

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I confirmed this with ANZ, it is either no fee or points, the person i spoke to the first time around had given me the wrong information.

Now i'm not sure what would be the best way to proceed. I could apply for the platinum card which has 75,000 qantas point and no annual fee through point hacks offer, and then move to the black card on the breakfree package for regular points earning afterwards perhaps
Thanks for clarifying. I wonder if the approach used by Kamchatsky above still works?

The current Points Hacks ANZ Platinum offer is good. However, worth bearing in mind that ANZ are sneaky and charge a separate $55 annual rewards fee, which I believe always applies, even if there is no annual fee. So if you go ahead and take out both of these cards as you suggest, it will cost you $110. That's not bad for 75,000 bonus points, and the ongoing earn rate with ANZ Black is good, but it drops to 0.5 pts/$ once you spend >$7,500 in a statement period.

As a point of comparison, the Qantas Premier Platinum Mastercard has a first year fee of $199, with 80k bonus points and 75 status credits, plus potentially a better earn rate than ANZ Black (e.g. 1.5 pts/$ overseas, 1 pt/$ up to $10k spend per month). If you're not interested in SCs, the 2 ANZ cards is probably a better plan, unless you envisage a high level of spend.
 

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