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ANZ Frequent Flyer Black Credit Card Guide
Earn 1 Qantas Point per $1 spent and receive two Qantas Club lounge invitations per year, plus discounted first-year Qantas Club membership, with ANZ’s highest Qantas Points-earning credit card.
- Signup bonus
- Up to 130,000 Qantas Points + $200 back to your new credit card, receive 90,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases in the first 3 months from approval and an additional 40,000 Qantas Points when you keep your card for over 12 months
- Points Earned
- Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period; Additional 1 Qantas Point per $1 spent on selected Qantas products and services in Australia
- Annual fee
- $425 p.a.
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Why we like the ANZ Frequent Flyer Black card
If you’re looking for a credit card in Australia with a high Qantas Points earning rate, look no further than the ANZ Frequent Flyer Black credit card.
You’ll earn 1 Qantas Point per dollar spent, capped at $7,500 per statement period. You’ll then earn an uncapped rate of 0.5 Qantas Points per $1 spend on eligible purchases above $7,500 for the remainder of your statement period.
You’ll also receive two Qantas Club lounge invitations per year, a discount on your first year of Qantas Club membership, plus complimentary overseas travel insurance and extended warranty on purchases.
Key Information & How to Apply
Key facts about this card
- Card type
- Visa
- Signup bonus
- Up to 130,000 Qantas Points + $200 back to your new credit card, receive 90,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases in the first 3 months from approval and an additional 40,000 Qantas Points when you keep your card for over 12 months
- Annual fee
- $425 p.a.
- Interest rate
- 20.99% p.a.
- Interest-free days
- Up to 55 days
- Minimum monthly repayment
- 2% of the outstanding balance or $25, whichever is higher
- Minimum credit limit
- $15000
- International transaction fee
- 3%
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- No history of bad debt or payment default
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Contents
Sign-up bonus
Earn up to 130,000 bonus Qantas Points plus $255 back to your card when you apply for an ANZ Frequent Flyer Black credit card!
The bonus is split into two parts, with the first 100,000 bonus Qantas Points and $250 back to be received after you spend $5,000 or more on eligible purchases within the first 3 months after card approval and an additional 30,000 bonus Qantas Points when you keep your card for over 12 months.
This offer is not available to existing customers who hold an ANZ Frequent Flyer credit card, or those who have closed an ANZ Frequent Flyer credit card within the previous 12 months.
However, if you currently hold an ANZ Rewards card – a different category to the ANZ Frequent Flyer cards – you would still be eligible for this offer.
To give you an idea of how to redeem Qantas Points, you could fly one-way from Singapore to Melbourne in Emirates First Class for 107,700 Qantas Points + taxes & carrier charges. Or, fly one-way from Sydney to Los Angeles, San Francisco or Vancouver in Qantas Business Class for 108,400 Qantas Points + taxes & carrier charges.
Travel benefits
The ANZ Frequent Flyer Black card includes a range of benefits to make your travels smoother. Here’s what to expect…
Lounge passes
Cardholders receive two single-entry Qantas Club lounge invitations per year. These are redeemable at domestic Qantas Club lounges in Australia or select Qantas-operated international Business Lounges when travelling with Qantas or Jetstar. Treat yourself twice, or transfer a pass to a travel companion so you can both enjoy the lounge.
Discounted Qantas Club membership
The ANZ Frequent Flyer Black credit card offers a discount on first-year Qantas Club membership. Instead of the usual $600 fee, cardholders will pay just $442 plus have the joining fee of $99 waived.
Qantas Club grants year-round access to an extensive domestic and international network of Qantas and partner lounges that you can access when flying with Qantas, Jetstar and selected partner airlines. This means that as long as you’ve got a Qantas Club membership, you don’t need to be flying in a premium cabin or hold status to enjoy a lounge before your flight.
Complimentary travel insurance
ANZ Frequent Flyer Black cardholders can enjoy complimentary overseas travel insurance underwritten by Allianz. To be eligible for the complimentary international travel insurance, you must:
- Reside in Australia,
- Spend at least $250 on prepaid travel costs on your ANZ Frequent Flyer Black credit card before leaving Australia,
- Have a return overseas travel ticket before leaving Australia, and
- Be under 81 years of age at the time you’re eligible for insurance and meet the conditions above.
Before using the complimentary travel insurance on your ANZ Frequent Flyer Black card, ensure you read the PDS here.
Personal concierge service
ANZ’s 24/7 concierge service is available to Frequent Flyer Black cardholders. No matter where you are in the world, you can make a restaurant reservation, book hotels, receive travel recommendations and more with a quick phone call.
Earning points
With an ANZ Frequent Flyer Black credit card, you’ll earn Qantas Frequent Flyer points at a rate of 1 point per $1 spent on eligible transactions, excluding government payments.
The full points-earning rate is capped at $7,500 per month. After this, you’ll earn 0.5 Qantas Points per $1 spent for the remainder of your statement period, with no cap.
As an added benefit, cardholders can earn one additional Qantas Point per $1 spent on selected Qantas products and services in Australia. This includes Qantas flights booked directly through Qantas and Qantas Club membership fees.
Qantas Points do not expire as long as there is activity on your account at least once every 18 months. So if you don’t fly often, using a card that earns Qantas Points can prevent you from losing your hard-earned points.
Earning points for ATO & government payments
Qantas Points are not earned on direct payments to the Australian Tax Office (ATO) or other Australian government bodies.
However, you can use your ANZ Frequent Flyer Black card in conjunction with a payment service like pay.com.au to earn Qantas Points when paying taxes and other bills.
Using Qantas Points
Qantas Points are best redeemed for flights and upgrades. But they can also be redeemed for other elements of your holiday, like accommodation and car hire.
And given that Qantas is part of the Oneworld alliance, your points can be used to fly with a number of other member airlines like Cathay Pacific, Japan Airlines, British Airways, American Airlines or Finnair.
Qantas also partners with non-Oneworld airlines like Emirates, Fiji Airways, KLM and LATAM, opening up a wider network for you to redeem Qantas Points.
Aside from travel, Qantas Points can be put towards gift cards, movie tickets and merchandise from the Qantas Store, or a selection of beverages from Qantas Wine.
Find out more about redeeming Qantas Points in our overview of Qantas Frequent Flyer redemptions.
Summary
Pros
- ANZ’s highest Qantas Points earning potential on everyday purchases
- Uncapped earn on points
- Two Qantas Club lounge access passes per year
- Discounted first-year Qantas Club membership
- Complimentary international and domestic travel insurance, purchase protection insurance and extended warranty insurance
- Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
Cons
- Overseas transaction fees apply
- High annual fee
- Full points-earning rate capped at $7,500 per statement period
- High interest rate on purchases (this is a potential issue if you think you’ll be unable to repay your balance in full each month)
- Signup bonus
- Up to 130,000 Qantas Points + $200 back to your new credit card, receive 90,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases in the first 3 months from approval and an additional 40,000 Qantas Points when you keep your card for over 12 months
- Points Earned
- Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period; Additional 1 Qantas Point per $1 spent on selected Qantas products and services in Australia
- Annual fee
- $425 p.a.
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Frequently Asked Questions (FAQs)
To apply for an ANZ Frequent Flyer Black credit card, you would need to be aged 18 or over and an Australian citizen, permanent resident or long-term visa holder. You’ll also need a residential address in Australia and a verifiable Australian taxable income.
The minimum credit limit is $15,000.
The ANZ Frequent Flyer Black offers more benefits than the ANZ Frequent Flyer Platinum card. With the ANZ Frequent Flyer Black, you’ll earn one Qantas Point per $1 on eligible spend, capped at $7,500 per statement period. The Frequent Flyer Black card also includes two complimentary lounge passes and a discount on first-year Qantas Club membership. On the other hand, the ANZ Frequent Flyer Platinum earns 0.75 Qantas Points per $1 with a monthly cap of $3,000 and does not include lounge passes.
Qantas Points do not expire as long as there is activity on your account within an 18-month period. Using a credit card that earns Qantas Points, like the ANZ Frequent Flyer Black, can ensure points are dropping into your Qantas Frequent Flyer account regularly so it stays active.
Yes, the ANZ Frequent Flyer Black credit card is compatible with Apple Pay. The card also supports other contactless payment solutions, like Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
Yes, additional cardholders can be added for an annual fee of $65 per additional cardholder. Points accumulated by additional cardholders will be credited to the primary cardholder’s Qantas Frequent Flyer account.