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ANZ Frequent Flyer Black Credit Card

10 reviews

Apply by 31 March 2019

points over 12 months Calculate your savings icon

Earn rate per $1

1 point
16.77% Complete (success)
Qantas Frequent Flyer

Bonus points

120,000 points
120,000% Complete (success)

Annual fee

$425
p.a.
425% Complete (success)

Pros

120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black when you spend $7,500 on eligible purchases in the first 3 months

Plus 75 bonus Status Credits when you book and travel on two new Qantas flights by 30 June 2019

Uncapped points earning

Complimentary Qantas Flyer program membership

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.

ANZ Falcon fraud monitoring + ANZ Fraud guarantee

Complimentary Premium insurance covers

Cons

Each additional card holder costs $10 + Rewards membership fee $55

ANZ Frequent Flyer Black Credit Card

Whether if you’re a frequent traveler for business, or for leisure, the ANZ Frequent Flyer Black card offers huge Qantas points earning plus 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black Card when you spend $7,500 on eligible purchases in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply. You can also receive 2 complimentary Qantas Club Lounge invitations per year upon request as well as unlimited access to participating airport lounges outside Australia. Plus 75 bonus Status Credits when you book and travel on two new Qantas flights by 30 June 2019. Additional travel perks include uncapped Qantas Points earning power so you can really reach those rewards you covet. The ANZ Frequent Flyer Black card allows you to 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. Offer ends 31 March 2019.

With Apple Pay®, Google Pay™ and Samsung Pay™, you can use your compatible device to tap and pay using your ANZ Frequent Flyer Black card.

Key features

  • 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black when you spend $7,500 on eligible purchases in the first 3 months
  • Plus 75 bonus Status Credits when you book and travel on two new Qantas flights by 30 June 2019
  • 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.
  • Uncapped points earning
  • Complimentary Qantas Flyer program membership
  • ANZ Falcon fraud monitoring + ANZ Fraud guarantee
  • Overseas travel and medical insurance
  • Extended warranty, 90 day purchase security insurance
  • Best price guarantee scheme
  • Concierge service
  • Minimum credit limit of $15,000
  • With Apple Pay®, Google Pay™ and Samsung Pay™, you can use your compatible device to tap and pay using your ANZ Frequent Flyer Black card.
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120,000 bonus Qantas Points plus $150 back

As a new cardholder you will be credited with 120,000 bonus Qantas Points and $150 back on your card when you spend $7,500 on eligible purchases in the first 3 months of card approval. Bonus points will be credited to your Qantas account within three months of the eligible criteria being met.

  • Rates
    41%
  • Fees
    66%
  • Rewards
    71%
  • Customer Service
    72%
  • Value
    62%
70% of customers who have rated this card would recommend it
Overall customer rating 62%
10 reviews

0% Visitor | 1 April 2017

GREAT CARD BUT IT TAKES 3 TO 4 DAYS TO REGISTER ON YOUR STATEMENT NOT GOOD ENOUGH THESE DAYS THE OTHER BANS CARDS REGISTER INSTANTLY

Does not recommend this card

Interest Rates
Purchase rate 19.99% p.a.
Cash advance rate 21.49% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $15,000
Maximum credit limit N/A
Fees & repayments
Annual fee $425 p.a.
Additional cardholder fee Up to 9 - $65 p.a. each
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $20
Credit card type Visa
Rewards program
Rewards program Qantas Frequent Flyer Qantas Frequent Flyer
Bonus points 120,000 Qantas points
Annual points cap uncapped
Bonus points spend criteria Spend $7,500 in first 3 months
Earning points with this card
Qantas points 1 point per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month Capped at $7500, then 0.5 pts per $1 spent
Complimentary insurance
Overseas travel insurance yes - up to months
Flight inconvenience insurance Yes
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover Yes
Extras
Two Qantas Club lounge access passes per year
75 Bonus Status Credits
$150 back on your card
Eligible with Apple Pay, Samsung Pay and Google Pay

The Big Review: ANZ Frequent Flyer Black Credit Card

Going big on its introductory offer of 120,000 bonus Qantas Points, the ANZ Frequent Flyer Black Card is a high-earning rewards card that offers an excellent selection of features, including discounted Qantas Club membership, two complimentary Qantas Club lounge invitations per year, complimentary travel and purchase insurance, and access to Exclusives by ANZ.

  • 120,000 bonus Qantas Points for new cardholders
  • $150 back on your card
  • Complimentary Qantas Frequent Flyer membership
  • Discounted Qantas Club membership
  • Two Qantas Club lounge invitations per year
  • Unlimited access to participating airport lounges outside Australia through Véloce World
  • Range of complimentary insurances
  • Access to Exclusives by ANZ
  • ANZ’s highest Qantas Points earning potential: Earn up to 1 Qantas Point per $1
  • 24/7 Personal Concierge
  • Up to 55 days interest free on purchases
  • Spend $7,500 on eligible purchases in the first 3 months to be eligible for bonus Qantas Points and $150 back on your card
  • $425 annual fee
  • Up to nine additional cardholders for an annual fee of $65 per additional cardholder after first year
  • Standard variable interest rate on purchases currently at 19.99% p.a.
  • Standard variable interest rate on balance transfers and cash advances currently at 21.49% p.a.
  • $15,000 minimum credit limit
  • Minimum annual income requirement of $75,000
  • Offer ends 31 March 2019

This Card: The Lowdown

Combining Black Card prestige with premium perks, the ANZ Frequent Flyer Black Card provides an abundance of features perfect for the frequent traveller who loves to earn big on the Qantas Frequent Flyer program.

With its current introductory offer, this card really packs a punch, offering 120,000 bonus Qantas Points to new cardholders.

Where could you go with 120,000 Qantas Points?

  • Fly Melbourne to Rome for 60,000 Qantas Points
  • Fly Brisbane to Moscow for 65,000 Qantas Points
  • Fly Adelaide to Shanghai for 35,000 Qantas Points
  • Fly Darwin to Helsinki for 45,000 Qantas Points
  • Fly Canberra to Las Vegas for 45,000 Qantas Points
  • Fly Sydney to Istanbul for 55,000 Qantas Points
  • Fly Perth to Paris for 55,000 Qantas Points
  • Fly Hobart to Doha for 64,000 Qantas Points

Travel-related benefits on offer with the ANZ Frequent Flyer Black Card include:

  • 75 bonus Status Credits when you book and travel on two new Qantas flights by 30 June 2019
  • Discounted Qantas Club membership, saving you up to $497 in your first year if you purchase membership with your ANZ Frequent Flyer Black card,
  • Two complimentary Qantas Club lounge invitations per year, for use when flying on Qantas or Jetstar,
  • Unlimited access to participating airport lounges outside Australia through Véloce World,
  • Complimentary Qantas Frequent Flyer membership, saving you $89.50,
  • 24/7 Personal Concierge to assist with reservations and bookings,
  • Access to exclusive invitation-only events across Australia through Exclusives by ANZ.

Added protection on travel and retail purchases when using the ANZ Frequent Flyer Black Card includes:

  • Overseas Travel and Medical Insurance
  • Interstate Flight Inconvenience Insurance
  • Rental Excess Cover
  • Extended Warranty Insurance
  • Best Price Guarantee Scheme
  • 90-day Purchase Security Insurance

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the ANZ Frequent Flyer Black Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

As a Black Card, this card is obviously going to have more than its fair share of features and perks. But what’s it like as a rewards card? Fortunately, the ANZ Frequent Flyer Black Card also works well as a rewards card, offering ANZ’s highest Qantas Points earning potential.

  • Earn 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period.
  • Earn 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period.
  • You could also earn 1 additional point per $1 spent on selected Qantas products and services in Australia.

While it may have a spend cap on Qantas Points earned on the first $7,500 per statement period, the card has no overall points cap in place. That means you are free to earn as many points as you want within any given statement period.

As for those bonus points, as a new cardholder you will be credited with 120,000 bonus Qantas Points when you spend $7,500 on eligible purchases in the first 3 months of card approval. Bonus points will be credited to your Qantas account within three months of the eligible spend criteria being met.

Purchases that are described as ineligible and will not earn points include fees, cash, cash equivalent transactions, balance transfers, transactions for gambling or gaming purposes, and premiums paid for ANZ Credit Card Insurance.

If you are not a Qantas Frequent Flyer member, you can save on membership sign-up costs when you apply for this card. This can offer a saving of $89.50.

Once you have become a Qantas Frequent Flyer member, you can choose to redeem your bonus points and earned points in any number of ways. You could jet off on holiday, redeeming your points for a Classic Flight Reward or a Points Plus Pay Flight, or selecting an upgrade with Classic Upgrade Rewards or Bid Now Upgrades.

Or, you could use your Qantas Points to cover your Qantas Club Membership, to book car hire or accommodation with Qantas Hotels, to shop for premium wines and gourmet food with Qantas epiQure, or invest in extra protection with Qantas Insurance.

Alternatively, you could take those points on a shopping spree at the Qantas Store.

  • Love coffee? Invest in a DeLonghi Nespresso Inissia for 45,930 Qantas Points, or a Breville Nespresso Creatista for 118,220 Qantas Points.
  • Got a baby on the way? Pick up a Baby Jogger City Tour for 86,030 Qantas Points, an OIOI Carry All Nappy Bag for 39,090 Qantas Points, or a Babylove Cruiser Portable Cot for 27,600 Qantas Points.
  • Bit of a gadget geek? Pick up the Apple TV 4K for 43,930 Qantas Points, the Samsung Galaxy Tab S2 8” 4G for 117,610 Qantas Points, or the FitBit Surge Small for 70,590 Qantas Points.

(Points correct as of 30 March 2018)

This Card: As a Travel Rewards Card

Designed as a frequent flyer card, the ANZ Frequent Flyer Black Card offers lots of perks to frequent travellers, making all those long hours spent on aeroplanes and in airport lounges that much more bearable.

Qantas Club Lounge Access

As an ANZ Frequent Flyer Black cardholder, you can enjoy two complimentary Qantas Club lounge invitations each year, for use when flying on Qantas or Jetstar. To request your invitations, call the ANZ Personal Concierge on 1300 580 765, and the invitations will then be available via the Complimentary Invitations Portal.

Your invitations are valid for 12 months from the date of issue, and each invitation is valid for a single visit for one person when travelling on a Qantas or Jetstar flight with a QF or JQ flight number.

Invitations are valid for Qantas Club and Qantas-operated International Business Lounges only, and are not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld alliance airline, partner airline or associated lounges.

Alongside your two yearly Qantas Club lounge invitations, you will also have unlimited access to participating airport lounges outside Australia through Véloce World, at destinations that include London, Dubai, Singapore and Bangkok.

A full list of participating airport lounges can be found on veloceloungesoutlets.com. To gain access on arrival at the lounge, simply present your credit card and a current flight boarding pass in the same name.

Discount Qantas Club Membership

If you love your visits to the Qantas Club lounge and want access to that luxury whenever you want, you can invest in Qantas Club membership with the discounts on offer as an ANZ Frequent Flyer Black cardholder.

When you purchase a Qantas Club membership with your ANZ Frequent Flyer Black Card, you will benefit from a reduced Qantas Club annual fee of $464 (instead of $540), while also saving on the sizeable $399 joining fee, waived for Black Card holders.

24/7 Personal Concierge

With the ANZ Frequent Flyer Black Card in your wallet, you will have a personal concierge service on hand to assist with all manner of travel-related enquiries. Available 24 hours a day, this concierge service can assist with travel and hotel bookings, restaurant reservations and ticket sales, both at home and overseas.

Your personal concierge can even offer gift ideas and travel recommendations, letting you know where to go and what to do when you visit a new city. Call the Personal Concierge on 1300 580 765 in Australia or, if you are overseas +61 2 8987 1677.

This Card: Extras on Offer

Of course, the ANZ Frequent Flyer Black Card wouldn’t be a true Black Card without a few more tricks up its sleeve. Let’s take a look at some of the other perks on offer.

Access to Exclusives by ANZ

As a special treat to its cardholders, the ANZ Frequent Flyer Black Card provides access to exclusive invitation-only events through Exclusives by ANZ. As a cardholder, you can enjoy access to uniquely crafted, once-in-a lifetime-experiences within the world of sports and entertainment, food and lifestyle.

Previous events on offer include:

  • The Australian Open Ultimate Experience 2018, offering exclusive use of The Lounge within Rod Laver Arena, day session courtside Category 1 seats, and a Champagne Brunch with tennis legends Martina Navratilova and Dylan Alcott, including meet and greet and photos.
  • House of Dior: Exclusive Dinner & Exhibition Viewing, offering a sit down dinner of a bespoke Christian Dior menu and premium beverages set within a stunning dining room in the National Gallery of Victoria’s Garden Restaurant, exclusive after-hours viewing of The House of Dior: Seventy Years of Haute Couture exhibition, with a talk by an NGV Curator, entertainment by string trio Stringspace, and a take-home Dior gift.
  • The Ultimate Insider Experience at the 2017 Formula 1 Rolex Australian Grand Prix, offering access to the ANZ Paddock Club Suite located above Formula 1 team garages and Pit Lane, access to The Lounge and rooftop tiered viewing deck, morning and afternoon tea with Champagne, exclusive ‘behind the scenes’ Paddock Tour, access to Pit Lane Walk, meet and greet with David Coulthard, helicopter ride of Grand Prix Circuit, and access to the Formula One Paddock Club pamper room.

Complimentary Insurances

Offering you extra peace of mind as you travel and shop, the card provides a range of complimentary insurances.

  • Extended Warranty Insurance: Double the manufacturer's expressed Australian warranty on major personal and household purchases by up to an additional 12 months.
  • Best Price Guarantee Scheme: If you purchase personal goods in Australia and then find the same product advertised later in a printed catalogue at a cheaper price within 21 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is more than $75 and less than $300.
  • 90-day Purchase Security Insurance: Cover against loss, theft or accidental damage on most personal items purchased, three months from the date of purchase.
  • Overseas Travel and Medical Insurance: Provided by QBE Insurance, saving you as a couple/family up to $720 on a standard international annual multi-trip policy underwritten by QBE.
  • Interstate Flight Inconvenience Insurance: On interstate travel within Australia on holidays up to 14 days
  • Rental Excess Cover: Reduces the excess when you hire a car from a major car rental company in Australia, at no extra cost.

This Card: The Essentials

While it can be tempting to only pay attention to the best bits, when applying for a credit card, you should always check the small print to find out all the need-to-know info. When it comes to the ANZ Frequent Flyer Black Card, the annual fee is important.

New cardholders benefit from $150 back on your card, when you spend $7,500 on eligible purchases in the first 3 months. The annual card fee is $425 and that includes a $370 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders, an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account.

When it comes to big feature rewards cards, it’s also a good idea to check out the interest rate applied to purchases. On this card, the standard variable purchase rate is currently 19.99% p.a., which means you should always clear your balance before it starts accruing interest.

As for eligibility requirements, to apply for this card, you must be an Australian resident who is 18 or over, with a good credit rating and a minimum annual income of $75,000. If you are a non-Australian permanent resident with more than nine months remaining on your visa, earning a minimum annual income of $75,000, you may also apply.

Decision Time

Offering ANZ’s highest Qantas Point earn rate and plenty of excellent perks for frequent travellers, the ANZ Frequent Flyer Black Card could certainly be the card for you, especially with 120,000 bonus Qantas Points and $150 back on your card on the table.

180 questions (showing the latest 10 Q&As)

Sam

Sam

16 March 2019
If my husband gets an ANZ Frequent Flyer Black card and pays for me to have a second card, can we use the points to upgrade us both on the same flight? Also, can we both go into the lounges? And will travel insurance cover us both if both our tickets were bought with the same card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 March 2019
    Hi Sam, yes you can use Qantas points to upgrade your flights, subject to availability. With the Qantas lounge passes your husband can bring a guest/you if flying together. For the insurance, you would be covered as long as you are flying together. You need to be with the primary cardholder and met all eligibility to be covered.
Stacey

Stacey

11 March 2019
We opened an ANZ Frequent Flyer Black Card in February last year - it came with an offer of the first year annual fees waived. We called up and got a payout figure and closed the account over the phone and then a couple of weeks later they sent out a statement with the annual fee. The T&C's have been updated since then so I can't find anything on whether they would charge it if you closed the account before the 12months from opening?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 March 2019
    Hi Stacey, there would be no fees for closing within a period of time on any credit card. If you paid all the interest, balance and fees owing. You can close a credit card account at any time. If you close it before points are issues then this usually voids those points. I would call ANZ credit card customer service. Tell them of the issue that the annual fee was charged post the account being closed (if that was the case). Let me know how you go.
stephen

stephen

26 February 2019
points on overseas spend
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 February 2019
    Hi Stephen, the overseas earn rate is the same as the standard earn rate the Frequent Flyer Black credit card.
Thomas

Thomas

19 February 2019
Is "fees" bank fees or include school fees (tuition costs, etc)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 February 2019
    Hi Thomas, fees are banks fees. School fees would be an eligible purchase.
luke

luke

27 January 2019
Hi Roland I'm interested in the ANZ black frequent flyer. I would spend $4000 a month on it. Looking to travel overseas in about 18 months. Would you recommend this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 January 2019
    Hi Luke, I really like the bonus points with this card. That is what pushes it into the yes category. The status credits are also great if you can meet eligibility. With 1 point per $1 earning up to $7,500 per statement. You should be pretty much always on this earn rate. Overall I say have a go.
Bjorn

Bjorn

12 December 2018
Hi Just about to cancel my ANZ Black card had for year but as current user iit is a very bad deal but maybe reconsider leaving if i can get this deal?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 December 2018
    Hi Bjorn, as a current ANZ Black card holder you are not eligible for the bonus points with this Frequent Flyer Black offer. *Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Have a look at our bonus points credit card section. There are a range of cards offering some good bonus points. If you let me know how much a month you spend I can provide some suggestions.
Jennifer Prerau

Jennifer Prerau

15 November 2018
Can you please advise if this multi travel insurance policy can include up to 6 months travel for any trip?
Colin

Colin

5 October 2018
It mentions states "Bonus points will be credited to your Qantas account within three months of the eligible spend criteria being met." What is an eligible spend and what dollar value?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 October 2018
    Hi Colin, there is no defined spend amount so if you went and put petrol in the car with one transaction that would be it. Its just spending on the card within the first 3 months. Eligible purchases are just about everything except bank fees, transfers, cash advances and government spend.
Anita

Anita

3 September 2018
I have looked over the terms and conditions of the card in relation to rental car excess cover and am still not sure - can international rental car excesses be covered? We fit all the pre-conditions and have pre paid the rental car before the trip.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 September 2018
    Hi Anita, yes it can. You will still need to get basic car insurance overseas. Then in the event of a problem then the insurance would cover the excess up to the actual access of the policy. Typically you may be liable in Europe for a $3,000 EU access. This then would be reduced to $500 AU if this is the excess amount on your overseas travel insurance.
Matt

Matt

5 August 2018
I recall in May, this card was offered with $0 annual fee for the first year. Is this still available?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 August 2018
    Hi Matt, yeah the ANZ Frequent Flyer Black did have no annual fee first year. This offer is no longer in market and I am not sure when/if it will come back. For now the fee breaks on these types of offers are out of the market.
Kylie

Kylie

27 July 2018
If I was to pay an electricity or phone bill (for example) over the phone with my card (not using BPAY biller code but speaking with a consultant), is that an eligible purchase to gain rewards?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 July 2018
    Hi Kylie, yes I would consider both these eligible purchases. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes, will not earn Points. https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf
BAT

BAT

19 July 2018
The ANZ bank manager offered to upgrade me from the ANZ Platinum to the ANZ BLack and get 75,000 Qantas FF points. No mention of T&C's just spend $2500. I upgraded, now they will not honour their verbal commitment. So angry but where do I stand. The Bank Manager has tried and appears genuine but this is not very professional especially in this current banking review of bank practises.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 July 2018
    Hi Bat, yeah this stuff has happened to me also. Not with credit cards but a home loan. The manager said I could redraw on the home loan if I paid it down. I did, then when I tried to pull some money back they said I couldn't with that loan type. Naturally as you are, I was not happy. I don't think there is much you can do though. If the manager is genuine at least that is something. Many people in branch with banks know very little about the products themselves. Its best to use resources like my site with these types of queries. If you are not happy with your Black just pay it off and cancel it. There are competitor cards that have nice bonus points. If you interested in another card just let me know how much you spend a month. Then I can suggest something.
Callum

Callum

12 June 2018
Hi,I have never owned a credit card before, i earn approx $50,000 per annum. I was wondering in your professional opinion what credit card you would recommend in terms of rewards/frequent flyer/bonus points that would give me the best return for signing up with them. But also i dont want to get stiffed with high annual rates, so would settle a happy medium of a decent amount of points with decent rates, rather than say $100,000 bonus points but it meant i was paying $600 a year in fees.Appreciate your time,Callum
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 June 2018
    Hi Callum, a good mid-range card is the HSBC Platinum Qantas. You get some nice bonus points but the annual fee is a reasonable $199 for its class. The earn rate for the first $2,500 spent a month is great at 1 point per $1.
Daniele

Daniele

31 May 2018
Hello, I’ve ordered the Anz frequent flyer black card but just wondering what items like cash payments don’t reward me with qantas points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 June 2018
    Hi Danielle, Grabbing the exceptions for points earning from the PDF. Points will not accrue in relation to interest charges, premiums paid for ANZ Credit Card Insurance (ANZ Credit Card Insurance not available for new customers from March 17th, 2018), government charges, bank fees, payments made to the Australian Taxation Office, card account adjustments resulting from disputed transactions or otherwise, balance transfers, cash advance (as defined in the ANZ Credit Cards Conditions of Use). Check out the ANZ Frequent Flyer points earning PDF for full details - https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf.
nadia

nadia

24 May 2018
Quite displeased with the lounge access by veloce world - three currently LISTED airport lounges have refused us entry with our card. ANZ should take their relationship with veloce more seriously, or go with a more reputable lounge access as to not damage their reputation. Is there going to be more accountability for lounge access in the future?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 May 2018
    Hi Nadia, as not been the bank, I have no idea about ANZ Plans for future lounge access. It does sounds very disappointing that you were not allowed to enter listed lounge. I would speak with ANZ Black concierge and see what they can do 1300 580 765.
Mary

Mary

18 May 2018
Hi, I would like to know how to get the two Qantas Club Lounge invitations?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 May 2018
    Hi Mary, checking the terms for the ANZ Frequent Flyer Black - Account holders may request no more than two Qantas Club Complimentary Invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765.
Karen Edwards

Karen Edwards

9 May 2018
Do you earn points with this card for ATO payments? If so what is the earn rate please.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 May 2018
    Hi Karen, there are no points earning with the ATO. The only personal cards I am aware of are AMEX that earn points with the ATO @ 0.5 per $1. This is across the American express range. You could get even the no annual fee Qantas Discovery.
Mavis

Mavis

9 May 2018
Hi, can I use the points to buy tickets for my family members, or it can only be used for the card holder? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 May 2018
    Hi Mavis, yes you can use Qantas points to buy tickets for family members.
Mitch

Mitch

7 May 2018
How does ANZ confirm that you have spent 2500 and met the requirement for the bonus FF points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 May 2018
    Hi Mitch, as the bank, it has your details of the purchases you make on the card. When the purchases reach the $2,500 (within the first 3 months and your meeting other eligibility for the offer) then the spend requirement is met. The bonus points will be credited to your Qantas Frequent Flyer account within three months post this occuring.
tracey hickel

tracey hickel

2 May 2018
it the office of state revenue classified as the Australian taxation office I have just read points earning it is says payments to Australian taxation office not eligible - I believe ORS is not the Australia taxation office. looking forward to your reply
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 May 2018
    Hi Tracey, it mentions in the terms that government charges do not accrue points. The question then, is payments for land tax a government charge. Or does this government charge talked about just mean in regards to fees on your credit account. You can have a go. I always do when points earning are in question/possible. Then see if the points are delivered. I pay my land taxes myself through bpay so am not completely sure. Pay the tax on your card and see how it goes or confirm with ANZ credit card customer service. Though unfortunately customer service can sometimes have little detailed knowledge. I believe that there is a % charge when paying by credit card. Therefore you need to ensure that the points value gained exceeds any fees that you are hit with.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Permanent Australian resident or non-Australian permanent resident with more than 9 months remaining on your Visa
  • Minimum income of $75,000 p.a.
  • You have your personal details ready to complete the online application
ANZ Frequent Flyer Black Credit Card
ANZ Frequent Flyer Black Credit Card

ANZ Credit Cards

ANZ Frequent Flyer Black Credit Card

14 March 2019

Apply by 31 March 2019

Points Earn Rate (per $1 spent)

1

point

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

120,000 pts

Spend $7,500 in first 3 months

0 points over 12 months spend

My monthly card spend

ANZ Frequent Flyer Black Credit Card

Whether if you’re a frequent traveler for business, or for leisure, the ANZ Frequent Flyer Black card offers huge Qantas points earning plus 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black Card when you spend $7,500 on eligible purchases in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply. You can also receive 2 complimentary Qantas Club Lounge invitations per year upon request as well as unlimited access to participating airport lounges outside Australia. Plus 75 bonus Status Credits when you book and travel on two new Qantas flights by 30 June 2019. Additional travel perks include uncapped Qantas Points earning power so you can really reach those rewards you covet. The ANZ Frequent Flyer Black card allows you to 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. Offer ends 31 March 2019.

With Apple Pay®, Google Pay™ and Samsung Pay™, you can use your compatible device to tap and pay using your ANZ Frequent Flyer Black card.

Key features

  • 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black when you spend $7,500 on eligible purchases in the first 3 months
  • Plus 75 bonus Status Credits when you book and travel on two new Qantas flights by 30 June 2019
  • 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.
  • Uncapped points earning
  • Complimentary Qantas Flyer program membership
  • ANZ Falcon fraud monitoring + ANZ Fraud guarantee
  • Overseas travel and medical insurance
  • Extended warranty, 90 day purchase security insurance
  • Best price guarantee scheme
  • Concierge service
  • Minimum credit limit of $15,000
  • With Apple Pay®, Google Pay™ and Samsung Pay™, you can use your compatible device to tap and pay using your ANZ Frequent Flyer Black card.

Customer Reviews

ANZ Frequent Flyer Black Credit Card

62% rating based on 10 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates & Fees

Interest rates

Purchase rate 19.99% p.a.

Cash advance rate 21.49% p.a.

Interest free on purchases up to 55 days

Credit limits

Minimum credit limt $15,000

Maximum credit limit N/A

Fees & repayments

Annual fee $425 p.a.

Additional card holder fee Up to 9 - $65 p.a. each

Foreign transaction fee 3%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $20

Rewards & points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points 120,000 Qantas points

Annual points cap uncapped

Bonus points spend criteria Spend $7,500 in first 3 months

Earning points with this card

Qantas pointsQantas points 1 point per $1 spent

Points cap per month Capped at $7500, then 0.5 pts per $1 spent

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes

Flight inconvenience insurance Yes

Transport accident cover No

Smartphone Screen Insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover Yes

Extras

Two Qantas Club lounge access passes per year

75 Bonus Status Credits

$150 back on your card

Eligible with Apple Pay, Samsung Pay and Google Pay

Our Review

Editor Review

The Big Review: ANZ Frequent Flyer Black Credit Card

Going big on its introductory offer of 120,000 bonus Qantas Points, the ANZ Frequent Flyer Black Card is a high-earning rewards card that offers an excellent selection of features, including discounted Qantas Club membership, two complimentary Qantas Club lounge invitations per year, complimentary travel and purchase insurance, and access to Exclusives by ANZ.

  • 120,000 bonus Qantas Points for new cardholders
  • $150 back on your card
  • Complimentary Qantas Frequent Flyer membership
  • Discounted Qantas Club membership
  • Two Qantas Club lounge invitations per year
  • Unlimited access to participating airport lounges outside Australia through Véloce World
  • Range of complimentary insurances
  • Access to Exclusives by ANZ
  • ANZ’s highest Qantas Points earning potential: Earn up to 1 Qantas Point per $1
  • 24/7 Personal Concierge
  • Up to 55 days interest free on purchases
  • Spend $7,500 on eligible purchases in the first 3 months to be eligible for bonus Qantas Points and $150 back on your card
  • $425 annual fee
  • Up to nine additional cardholders for an annual fee of $65 per additional cardholder after first year
  • Standard variable interest rate on purchases currently at 19.99% p.a.
  • Standard variable interest rate on balance transfers and cash advances currently at 21.49% p.a.
  • $15,000 minimum credit limit
  • Minimum annual income requirement of $75,000
  • Offer ends 31 March 2019

This Card: The Lowdown

Combining Black Card prestige with premium perks, the ANZ Frequent Flyer Black Card provides an abundance of features perfect for the frequent traveller who loves to earn big on the Qantas Frequent Flyer program.

With its current introductory offer, this card really packs a punch, offering 120,000 bonus Qantas Points to new cardholders.

Where could you go with 120,000 Qantas Points?

  • Fly Melbourne to Rome for 60,000 Qantas Points
  • Fly Brisbane to Moscow for 65,000 Qantas Points
  • Fly Adelaide to Shanghai for 35,000 Qantas Points
  • Fly Darwin to Helsinki for 45,000 Qantas Points
  • Fly Canberra to Las Vegas for 45,000 Qantas Points
  • Fly Sydney to Istanbul for 55,000 Qantas Points
  • Fly Perth to Paris for 55,000 Qantas Points
  • Fly Hobart to Doha for 64,000 Qantas Points

Travel-related benefits on offer with the ANZ Frequent Flyer Black Card include:

  • 75 bonus Status Credits when you book and travel on two new Qantas flights by 30 June 2019
  • Discounted Qantas Club membership, saving you up to $497 in your first year if you purchase membership with your ANZ Frequent Flyer Black card,
  • Two complimentary Qantas Club lounge invitations per year, for use when flying on Qantas or Jetstar,
  • Unlimited access to participating airport lounges outside Australia through Véloce World,
  • Complimentary Qantas Frequent Flyer membership, saving you $89.50,
  • 24/7 Personal Concierge to assist with reservations and bookings,
  • Access to exclusive invitation-only events across Australia through Exclusives by ANZ.

Added protection on travel and retail purchases when using the ANZ Frequent Flyer Black Card includes:

  • Overseas Travel and Medical Insurance
  • Interstate Flight Inconvenience Insurance
  • Rental Excess Cover
  • Extended Warranty Insurance
  • Best Price Guarantee Scheme
  • 90-day Purchase Security Insurance

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the ANZ Frequent Flyer Black Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

As a Black Card, this card is obviously going to have more than its fair share of features and perks. But what’s it like as a rewards card? Fortunately, the ANZ Frequent Flyer Black Card also works well as a rewards card, offering ANZ’s highest Qantas Points earning potential.

  • Earn 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period.
  • Earn 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period.
  • You could also earn 1 additional point per $1 spent on selected Qantas products and services in Australia.

While it may have a spend cap on Qantas Points earned on the first $7,500 per statement period, the card has no overall points cap in place. That means you are free to earn as many points as you want within any given statement period.

As for those bonus points, as a new cardholder you will be credited with 120,000 bonus Qantas Points when you spend $7,500 on eligible purchases in the first 3 months of card approval. Bonus points will be credited to your Qantas account within three months of the eligible spend criteria being met.

Purchases that are described as ineligible and will not earn points include fees, cash, cash equivalent transactions, balance transfers, transactions for gambling or gaming purposes, and premiums paid for ANZ Credit Card Insurance.

If you are not a Qantas Frequent Flyer member, you can save on membership sign-up costs when you apply for this card. This can offer a saving of $89.50.

Once you have become a Qantas Frequent Flyer member, you can choose to redeem your bonus points and earned points in any number of ways. You could jet off on holiday, redeeming your points for a Classic Flight Reward or a Points Plus Pay Flight, or selecting an upgrade with Classic Upgrade Rewards or Bid Now Upgrades.

Or, you could use your Qantas Points to cover your Qantas Club Membership, to book car hire or accommodation with Qantas Hotels, to shop for premium wines and gourmet food with Qantas epiQure, or invest in extra protection with Qantas Insurance.

Alternatively, you could take those points on a shopping spree at the Qantas Store.

  • Love coffee? Invest in a DeLonghi Nespresso Inissia for 45,930 Qantas Points, or a Breville Nespresso Creatista for 118,220 Qantas Points.
  • Got a baby on the way? Pick up a Baby Jogger City Tour for 86,030 Qantas Points, an OIOI Carry All Nappy Bag for 39,090 Qantas Points, or a Babylove Cruiser Portable Cot for 27,600 Qantas Points.
  • Bit of a gadget geek? Pick up the Apple TV 4K for 43,930 Qantas Points, the Samsung Galaxy Tab S2 8” 4G for 117,610 Qantas Points, or the FitBit Surge Small for 70,590 Qantas Points.

(Points correct as of 30 March 2018)

This Card: As a Travel Rewards Card

Designed as a frequent flyer card, the ANZ Frequent Flyer Black Card offers lots of perks to frequent travellers, making all those long hours spent on aeroplanes and in airport lounges that much more bearable.

Qantas Club Lounge Access

As an ANZ Frequent Flyer Black cardholder, you can enjoy two complimentary Qantas Club lounge invitations each year, for use when flying on Qantas or Jetstar. To request your invitations, call the ANZ Personal Concierge on 1300 580 765, and the invitations will then be available via the Complimentary Invitations Portal.

Your invitations are valid for 12 months from the date of issue, and each invitation is valid for a single visit for one person when travelling on a Qantas or Jetstar flight with a QF or JQ flight number.

Invitations are valid for Qantas Club and Qantas-operated International Business Lounges only, and are not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld alliance airline, partner airline or associated lounges.

Alongside your two yearly Qantas Club lounge invitations, you will also have unlimited access to participating airport lounges outside Australia through Véloce World, at destinations that include London, Dubai, Singapore and Bangkok.

A full list of participating airport lounges can be found on veloceloungesoutlets.com. To gain access on arrival at the lounge, simply present your credit card and a current flight boarding pass in the same name.

Discount Qantas Club Membership

If you love your visits to the Qantas Club lounge and want access to that luxury whenever you want, you can invest in Qantas Club membership with the discounts on offer as an ANZ Frequent Flyer Black cardholder.

When you purchase a Qantas Club membership with your ANZ Frequent Flyer Black Card, you will benefit from a reduced Qantas Club annual fee of $464 (instead of $540), while also saving on the sizeable $399 joining fee, waived for Black Card holders.

24/7 Personal Concierge

With the ANZ Frequent Flyer Black Card in your wallet, you will have a personal concierge service on hand to assist with all manner of travel-related enquiries. Available 24 hours a day, this concierge service can assist with travel and hotel bookings, restaurant reservations and ticket sales, both at home and overseas.

Your personal concierge can even offer gift ideas and travel recommendations, letting you know where to go and what to do when you visit a new city. Call the Personal Concierge on 1300 580 765 in Australia or, if you are overseas +61 2 8987 1677.

This Card: Extras on Offer

Of course, the ANZ Frequent Flyer Black Card wouldn’t be a true Black Card without a few more tricks up its sleeve. Let’s take a look at some of the other perks on offer.

Access to Exclusives by ANZ

As a special treat to its cardholders, the ANZ Frequent Flyer Black Card provides access to exclusive invitation-only events through Exclusives by ANZ. As a cardholder, you can enjoy access to uniquely crafted, once-in-a lifetime-experiences within the world of sports and entertainment, food and lifestyle.

Previous events on offer include:

  • The Australian Open Ultimate Experience 2018, offering exclusive use of The Lounge within Rod Laver Arena, day session courtside Category 1 seats, and a Champagne Brunch with tennis legends Martina Navratilova and Dylan Alcott, including meet and greet and photos.
  • House of Dior: Exclusive Dinner & Exhibition Viewing, offering a sit down dinner of a bespoke Christian Dior menu and premium beverages set within a stunning dining room in the National Gallery of Victoria’s Garden Restaurant, exclusive after-hours viewing of The House of Dior: Seventy Years of Haute Couture exhibition, with a talk by an NGV Curator, entertainment by string trio Stringspace, and a take-home Dior gift.
  • The Ultimate Insider Experience at the 2017 Formula 1 Rolex Australian Grand Prix, offering access to the ANZ Paddock Club Suite located above Formula 1 team garages and Pit Lane, access to The Lounge and rooftop tiered viewing deck, morning and afternoon tea with Champagne, exclusive ‘behind the scenes’ Paddock Tour, access to Pit Lane Walk, meet and greet with David Coulthard, helicopter ride of Grand Prix Circuit, and access to the Formula One Paddock Club pamper room.

Complimentary Insurances

Offering you extra peace of mind as you travel and shop, the card provides a range of complimentary insurances.

  • Extended Warranty Insurance: Double the manufacturer's expressed Australian warranty on major personal and household purchases by up to an additional 12 months.
  • Best Price Guarantee Scheme: If you purchase personal goods in Australia and then find the same product advertised later in a printed catalogue at a cheaper price within 21 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is more than $75 and less than $300.
  • 90-day Purchase Security Insurance: Cover against loss, theft or accidental damage on most personal items purchased, three months from the date of purchase.
  • Overseas Travel and Medical Insurance: Provided by QBE Insurance, saving you as a couple/family up to $720 on a standard international annual multi-trip policy underwritten by QBE.
  • Interstate Flight Inconvenience Insurance: On interstate travel within Australia on holidays up to 14 days
  • Rental Excess Cover: Reduces the excess when you hire a car from a major car rental company in Australia, at no extra cost.

This Card: The Essentials

While it can be tempting to only pay attention to the best bits, when applying for a credit card, you should always check the small print to find out all the need-to-know info. When it comes to the ANZ Frequent Flyer Black Card, the annual fee is important.

New cardholders benefit from $150 back on your card, when you spend $7,500 on eligible purchases in the first 3 months. The annual card fee is $425 and that includes a $370 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders, an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account.

When it comes to big feature rewards cards, it’s also a good idea to check out the interest rate applied to purchases. On this card, the standard variable purchase rate is currently 19.99% p.a., which means you should always clear your balance before it starts accruing interest.

As for eligibility requirements, to apply for this card, you must be an Australian resident who is 18 or over, with a good credit rating and a minimum annual income of $75,000. If you are a non-Australian permanent resident with more than nine months remaining on your visa, earning a minimum annual income of $75,000, you may also apply.

Decision Time

Offering ANZ’s highest Qantas Point earn rate and plenty of excellent perks for frequent travellers, the ANZ Frequent Flyer Black Card could certainly be the card for you, especially with 120,000 bonus Qantas Points and $150 back on your card on the table.

Pros

  • 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black when you spend $7,500 on eligible purchases in the first 3 months
  • Plus 75 bonus Status Credits when you book and travel on two new Qantas flights by 30 June 2019
  • Uncapped points earning
  • Complimentary Qantas Flyer program membership
  • 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.
  • ANZ Falcon fraud monitoring + ANZ Fraud guarantee
  • Complimentary Premium insurance covers

Cons

  • Each additional card holder costs $10 + Rewards membership fee $55

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Australian resident or non-Australian permanent resident with more than 9 months remaining on your Visa

  • Minimum income of $75,000 p.a.

  • You have your personal details ready to complete the online application

Customer reviews

0%

CreditCard.com.au Visitor

1 April 2017

GREAT CARD BUT IT TAKES 3 TO 4 DAYS TO REGISTER ON YOUR STATEMENT NOT GOOD ENOUGH THESE DAYS THE OTHER BANS CARDS REGISTER INSTANTLY

Does not recommend this card
Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Question

Something you need to know about this card? Ask a our credit card expert a question.

180 questions (showing the latest 10 Q&As)

Sam

Sam

16 March 2019
If my husband gets an ANZ Frequent Flyer Black card and pays for me to have a second card, can we use the points to upgrade us both on the same flight? Also, can we both go into the lounges? And will travel insurance cover us both if both our tickets were bought with the same card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 March 2019
    Hi Sam, yes you can use Qantas points to upgrade your flights, subject to availability. With the Qantas lounge passes your husband can bring a guest/you if flying together. For the insurance, you would be covered as long as you are flying together. You need to be with the primary cardholder and met all eligibility to be covered.
Stacey

Stacey

11 March 2019
We opened an ANZ Frequent Flyer Black Card in February last year - it came with an offer of the first year annual fees waived. We called up and got a payout figure and closed the account over the phone and then a couple of weeks later they sent out a statement with the annual fee. The T&C's have been updated since then so I can't find anything on whether they would charge it if you closed the account before the 12months from opening?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 March 2019
    Hi Stacey, there would be no fees for closing within a period of time on any credit card. If you paid all the interest, balance and fees owing. You can close a credit card account at any time. If you close it before points are issues then this usually voids those points. I would call ANZ credit card customer service. Tell them of the issue that the annual fee was charged post the account being closed (if that was the case). Let me know how you go.
stephen

stephen

26 February 2019
points on overseas spend
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 February 2019
    Hi Stephen, the overseas earn rate is the same as the standard earn rate the Frequent Flyer Black credit card.
Thomas

Thomas

19 February 2019
Is "fees" bank fees or include school fees (tuition costs, etc)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 February 2019
    Hi Thomas, fees are banks fees. School fees would be an eligible purchase.
luke

luke

27 January 2019
Hi Roland I'm interested in the ANZ black frequent flyer. I would spend $4000 a month on it. Looking to travel overseas in about 18 months. Would you recommend this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 January 2019
    Hi Luke, I really like the bonus points with this card. That is what pushes it into the yes category. The status credits are also great if you can meet eligibility. With 1 point per $1 earning up to $7,500 per statement. You should be pretty much always on this earn rate. Overall I say have a go.
Bjorn

Bjorn

12 December 2018
Hi Just about to cancel my ANZ Black card had for year but as current user iit is a very bad deal but maybe reconsider leaving if i can get this deal?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 December 2018
    Hi Bjorn, as a current ANZ Black card holder you are not eligible for the bonus points with this Frequent Flyer Black offer. *Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Have a look at our bonus points credit card section. There are a range of cards offering some good bonus points. If you let me know how much a month you spend I can provide some suggestions.
Jennifer Prerau

Jennifer Prerau

15 November 2018
Can you please advise if this multi travel insurance policy can include up to 6 months travel for any trip?
Colin

Colin

5 October 2018
It mentions states "Bonus points will be credited to your Qantas account within three months of the eligible spend criteria being met." What is an eligible spend and what dollar value?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 October 2018
    Hi Colin, there is no defined spend amount so if you went and put petrol in the car with one transaction that would be it. Its just spending on the card within the first 3 months. Eligible purchases are just about everything except bank fees, transfers, cash advances and government spend.
Anita

Anita

3 September 2018
I have looked over the terms and conditions of the card in relation to rental car excess cover and am still not sure - can international rental car excesses be covered? We fit all the pre-conditions and have pre paid the rental car before the trip.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 September 2018
    Hi Anita, yes it can. You will still need to get basic car insurance overseas. Then in the event of a problem then the insurance would cover the excess up to the actual access of the policy. Typically you may be liable in Europe for a $3,000 EU access. This then would be reduced to $500 AU if this is the excess amount on your overseas travel insurance.
Matt

Matt

5 August 2018
I recall in May, this card was offered with $0 annual fee for the first year. Is this still available?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 August 2018
    Hi Matt, yeah the ANZ Frequent Flyer Black did have no annual fee first year. This offer is no longer in market and I am not sure when/if it will come back. For now the fee breaks on these types of offers are out of the market.
Kylie

Kylie

27 July 2018
If I was to pay an electricity or phone bill (for example) over the phone with my card (not using BPAY biller code but speaking with a consultant), is that an eligible purchase to gain rewards?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 July 2018
    Hi Kylie, yes I would consider both these eligible purchases. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes, will not earn Points. https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf
BAT

BAT

19 July 2018
The ANZ bank manager offered to upgrade me from the ANZ Platinum to the ANZ BLack and get 75,000 Qantas FF points. No mention of T&C's just spend $2500. I upgraded, now they will not honour their verbal commitment. So angry but where do I stand. The Bank Manager has tried and appears genuine but this is not very professional especially in this current banking review of bank practises.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 July 2018
    Hi Bat, yeah this stuff has happened to me also. Not with credit cards but a home loan. The manager said I could redraw on the home loan if I paid it down. I did, then when I tried to pull some money back they said I couldn't with that loan type. Naturally as you are, I was not happy. I don't think there is much you can do though. If the manager is genuine at least that is something. Many people in branch with banks know very little about the products themselves. Its best to use resources like my site with these types of queries. If you are not happy with your Black just pay it off and cancel it. There are competitor cards that have nice bonus points. If you interested in another card just let me know how much you spend a month. Then I can suggest something.
Callum

Callum

12 June 2018
Hi,I have never owned a credit card before, i earn approx $50,000 per annum. I was wondering in your professional opinion what credit card you would recommend in terms of rewards/frequent flyer/bonus points that would give me the best return for signing up with them. But also i dont want to get stiffed with high annual rates, so would settle a happy medium of a decent amount of points with decent rates, rather than say $100,000 bonus points but it meant i was paying $600 a year in fees.Appreciate your time,Callum
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 June 2018
    Hi Callum, a good mid-range card is the HSBC Platinum Qantas. You get some nice bonus points but the annual fee is a reasonable $199 for its class. The earn rate for the first $2,500 spent a month is great at 1 point per $1.
Daniele

Daniele

31 May 2018
Hello, I’ve ordered the Anz frequent flyer black card but just wondering what items like cash payments don’t reward me with qantas points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 June 2018
    Hi Danielle, Grabbing the exceptions for points earning from the PDF. Points will not accrue in relation to interest charges, premiums paid for ANZ Credit Card Insurance (ANZ Credit Card Insurance not available for new customers from March 17th, 2018), government charges, bank fees, payments made to the Australian Taxation Office, card account adjustments resulting from disputed transactions or otherwise, balance transfers, cash advance (as defined in the ANZ Credit Cards Conditions of Use). Check out the ANZ Frequent Flyer points earning PDF for full details - https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf.
nadia

nadia

24 May 2018
Quite displeased with the lounge access by veloce world - three currently LISTED airport lounges have refused us entry with our card. ANZ should take their relationship with veloce more seriously, or go with a more reputable lounge access as to not damage their reputation. Is there going to be more accountability for lounge access in the future?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 May 2018
    Hi Nadia, as not been the bank, I have no idea about ANZ Plans for future lounge access. It does sounds very disappointing that you were not allowed to enter listed lounge. I would speak with ANZ Black concierge and see what they can do 1300 580 765.
Mary

Mary

18 May 2018
Hi, I would like to know how to get the two Qantas Club Lounge invitations?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 May 2018
    Hi Mary, checking the terms for the ANZ Frequent Flyer Black - Account holders may request no more than two Qantas Club Complimentary Invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765.
Karen Edwards

Karen Edwards

9 May 2018
Do you earn points with this card for ATO payments? If so what is the earn rate please.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 May 2018
    Hi Karen, there are no points earning with the ATO. The only personal cards I am aware of are AMEX that earn points with the ATO @ 0.5 per $1. This is across the American express range. You could get even the no annual fee Qantas Discovery.
Mavis

Mavis

9 May 2018
Hi, can I use the points to buy tickets for my family members, or it can only be used for the card holder? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 May 2018
    Hi Mavis, yes you can use Qantas points to buy tickets for family members.
Mitch

Mitch

7 May 2018
How does ANZ confirm that you have spent 2500 and met the requirement for the bonus FF points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 May 2018
    Hi Mitch, as the bank, it has your details of the purchases you make on the card. When the purchases reach the $2,500 (within the first 3 months and your meeting other eligibility for the offer) then the spend requirement is met. The bonus points will be credited to your Qantas Frequent Flyer account within three months post this occuring.
tracey hickel

tracey hickel

2 May 2018
it the office of state revenue classified as the Australian taxation office I have just read points earning it is says payments to Australian taxation office not eligible - I believe ORS is not the Australia taxation office. looking forward to your reply
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 May 2018
    Hi Tracey, it mentions in the terms that government charges do not accrue points. The question then, is payments for land tax a government charge. Or does this government charge talked about just mean in regards to fees on your credit account. You can have a go. I always do when points earning are in question/possible. Then see if the points are delivered. I pay my land taxes myself through bpay so am not completely sure. Pay the tax on your card and see how it goes or confirm with ANZ credit card customer service. Though unfortunately customer service can sometimes have little detailed knowledge. I believe that there is a % charge when paying by credit card. Therefore you need to ensure that the points value gained exceeds any fees that you are hit with.

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31 reviews

Apply by 30 Apr 19

More info
points earned over 12 months
1 point
16.77% Complete (success)
Velocity Frequent Flyer
90,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$289
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

6 reviews
More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
25,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$95
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

4 reviews
More info
points earned over 12 months
0.75 points
16.77% Complete (success)
Qantas Frequent Flyer
75,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$295
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon
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