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ANZ Frequent Flyer Platinum Credit Card Guide
The ANZ Frequent Flyer Platinum is a mid-tier credit card that earns 0.75 Qantas Points per $1 spent on eligible purchases and includes complimentary travel insurance.
- Signup bonus
- 75,000 Qantas Points, when you spend a minimum of $2,500 within the first 3 months of approval
- Points Earned
- Earn 0.75 Qantas Points per $1 spent on eligible purchases up to $3,000 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $3,000 per statement period
- Annual fee
- $295 p.a. ongoing
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 Platinum card
If you’re looking for a mid-tier credit card in Australia with a decent Qantas Points earning rate, look no further than the ANZ Frequent Flyer Platinum credit card!
You’ll earn 0.75 Qantas Points per dollar spent on eligible transactions. Most competitors offer similar cards that earn just 0.5 Qantas Points per $1, making the ANZ Frequent Flyer Platinum a great entry to mid-level credit card.
The full earn rate of 0.75 Qantas Points per $1 is capped at $3,000 per monthly statement period. Afterwards, you’ll continue to accrue 0.5 Qantas Points per $1 on eligible spend for the remainder of your statement period, with no cap.
When using the card to book flights directly with Qantas, you’ll earn one bonus point per dollar on top of the regular earn rate.
Key Information & How to Apply
Key facts about this card
- Card type
- Visa
- Signup bonus
- 75,000 Qantas Points, when you spend a minimum of $2,500 within the first 3 months of approval
- Annual fee
- $295 p.a. ongoing
- Interest rate
- 20.99% p.a.
- Interest-free days
- Up to 55 days
- Minimum monthly repayment
- 2% of outstanding balance or $25, whichever is higher
- Minimum credit limit
- No minimum credit limit specified
- 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.
Sign-up bonus
Earn 75,000 bonus Qantas Points plus $100 back when you apply for an ANZ Frequent Flyer Platinum credit card!
To be eligible for the bonus points, you would need to spend $2,500 or more on eligible purchases within the first 3 months of card approval.
If applying for this offer, you must not currently hold or have held an ANZ Frequent Flyer credit card within the last 12 months.
Customers who currently hold an ANZ Rewards card, which is categorised separately from ANZ Frequent Flyer cards, are eligible to take up this sign-up offer.
To give you an idea of the value of Qantas Points, you could fly from Melbourne to Jakarta one-way in Business Class with Qantas for 57,000 Qantas Points + approximately $195 in taxes & carrier charges. Or, you can experience Emirates First Class one-way from Sydney to Christchurch for just 68,500 Qantas Points + approximately $181 in taxes & carrier charges.
Travel benefits
The ANZ Frequent Flyer Platinum credit card does not come with additional travel benefits. If you would like extras such as lounge passes, you may want to consider the higher-tier ANZ Frequent Flyer Black credit card that offers Qantas lounge invitations and a discount on Qantas Club membership.
The card does include domestic and international travel insurance, which we cover more on below.
Complimentary travel insurance
To be eligible for the complimentary travel insurance benefit on your ANZ Frequent Flyer Platinum card, you must meet all of the following criteria:
- Reside in Australia,
- Spend at least $250 on prepaid travel costs on your ANZ Frequent Flyer Platinum 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.
Ensure you read the PDS here to determine if the complimentary travel insurance on your ANZ Frequent Flyer Platinum card suits your needs.
Earning points
With the ANZ Frequent Flyer Platinum credit card, you can earn Qantas Points at a rate of 0.75 points per $1 spent on eligible transactions. This excludes government payments.
There’s a cap of $3,000 per statement period to earn the full rate of 0.75 Qantas Points per $1. You’ll then continue to earn 0.5 Qantas Points per $1 uncapped on all eligible spend for the remainder of your statement period.
Additionally, you’ll earn one bonus Qantas Point per $1 when you purchase selected Qantas products and services in Australia, such as booking flights directly through Qantas and membership fees associated with Qantas Club. So if you fly with Qantas regularly, you could earn a generous 1.75 Qantas Points per $1 when booking your flights using your ANZ Frequent Flyer Platinum credit card. There’s no limit on how many bonus points you can earn per statement period.
Qantas Frequent Flyer points do not have a hard expiry. However, you will lose your points if there is no activity on your account for 18 months. Using a card that earns Qantas Points, like the ANZ Frequent Flyer Platinum, can ensure your account remains active even if you don’t fly regularly.
Earning points for ATO & government payments
You will be unable to earn Qantas Points when using your ANZ Frequent Flyer Platinum card to make payments to the Australian Tax Office (ATO) and other government bodies in Australia.
But you can use a bill payment service like pay.com.au to earn Qantas Points when paying taxes and bills using your credit card.
Using Qantas Points
The best value for your Qantas Points lies in redeeming them for Classic Flight Rewards. And you’re not limited to routes serviced by Qantas, either. Your Qantas Points can be redeemed for flights on other airlines that are members of the Oneworld alliance. This includes British Airways, American Airlines, Japan Airlines, Royal Jordanian, Malaysia Airlines and more, unlocking hundreds of destinations around the globe.
Plus, Qantas’ partnership with non-Oneworld members like Fiji Airways, China Airlines, Emirates, Air France and more means you can redeem Qantas Points over an extensive network.
Your points can also be redeemed for other parts of your holiday like accommodation, car rentals and train journeys on the Indian Pacific or Ghan.
On the non-travel-related front, you could also redeem Qantas Points for wine, gift cards, movie tickets or products from the Qantas Store. However, bear in mind you won’t receive the same value as you would from flights and upgrades.
Our overview of Qantas Frequent Flyer redemptions covers all you need to know about redeeming Qantas Points effectively.
Summary
Pros
- Decent points-earn rate for a mid-tier credit card
- Uncapped earn on points
- 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
- No complimentary lounge passes
- Overseas transaction fees apply
- Relatively high annual fee
- Full points-earning rate capped at $3,000 per statement period
- High interest rate on purchases (this is a potential issue if you think you’re unable to repay your balance in full each month)
- Signup bonus
- 75,000 Qantas Points, when you spend a minimum of $2,500 within the first 3 months of approval
- Points Earned
- Earn 0.75 Qantas Points per $1 spent on eligible purchases up to $3,000 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $3,000 per statement period
- Annual fee
- $295 p.a. ongoing
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 Platinum 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 $6,000.
Compared to the ANZ Frequent Flyer Platinum card, the ANZ Frequent Flyer Black is a high-tier credit card that offers greater benefits. It includes two complimentary lounge passes per year plus a discount on first-year Qantas Club membership. The ANZ Frequent Flyer Black credit card also has a higher points-earning rate of 1 Qantas Point per $1, capped at $7,500 per statement period.
Qantas Points do not expire unless there is no activity on your account in 18 months. To keep your account active, you could use a credit card that earns Qantas Points, like the ANZ Frequent Flyer Platinum.
Yes, the ANZ Frequent Flyer Platinum supports contactless payment solutions including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
Yes, up to nine additional cardholders can be added for an annual fee of $65 per additional cardholder. All Qantas Points earned by additional cardholders will be credited to the primary cardholder’s Qantas Frequent Flyer account.