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Up to 130k Spend $3,000 within the first 3 months (100,000 points), keep card for over 12 months (30,000 points)
ANZ Frequent Flyer Black Credit Card
ANZ Frequent Flyer Black Credit Card

ANZ Credit Cards

ANZ Frequent Flyer Black Credit Card

Updated 22 November 2021

Apply for a new ANZ Frequent Flyer Black credit card and enjoy great earning of Qantas points of up to 130,000 plus a cashback. Earn 100,000 bonus Qantas Points and $255 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval and an additional 30,000 Qantas Points when you keep your card for over 12 months. Two complimentary Qantas Club Lounge invitations per year.

New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $425).

Points Earn Rate (per $1 spent)

1 point

Capped at $7,500, then 0.5 pts per $1 spent

Rewards Program

Qantas Frequent Flyer

Bonus Points

Up to 130k pts

Spend $3,000 within the first 3 months (100,000 points), keep card for over 12 months (30,000 points)

Pros and cons

  • Earn 100,000 bonus Qantas Points and $255 back when you spend $3,000 on eligible purchases in the first 3 months from approval and an additional 30,000 Qantas Points when you keep your card for over 12 months. Available to new card members only
  • Earn 1 Qantas Point per $1 spent up to $7,500 per statement period, then 0.5 Qantas Points per $1 spent above $7,500 per statement period.
  • Uncapped points earning
  • Complimentary Qantas Flyer program membership (save $99.50)
  • Complimentary International Travel Insurance for trips up to 6 months
  • Two Qantas Club lounge invitations per year
  • ANZ Falcon fraud monitoring + ANZ Fraud Money Back Guarantee
  • Extended Warranty Insurance, Purchase Protection Insurance
  • Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

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

Creditcard.com.au review

Editor Review

ANZ Frequent Flyer Black Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt about this card.

The Big Review: ANZ Frequent Flyer Black Credit Card

Going big on its rare introductory combo offer of up to 130,000 bonus Qantas Points and a cashback, 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 international travel insurance, and access to Exclusives by ANZ.

  • Up to 130,000 bonus Qantas Points for new cardholders
  • $255 back on your card
  • Complimentary Qantas Frequent Flyer membership (save $99.50)
  • Discounted Qantas Club membership
  • Two Qantas Club lounge invitations per year
  • Range of complimentary insurances
  • Access to Exclusives by ANZ
  • ANZ’s highest Qantas Points earning potential: Earn up to 2 Qantas Points per $1. You could also earn 1 additional point per $1 spent on selected Qantas products and services in Australia
  • 24/7 Personal Concierge
  • Up to 55 days interest free on purchases
  • $425 annual fee
  • Up to nine additional cardholders for an annual fee of $65 per additional cardholder
  • Standard variable interest rate on purchases currently at 20.24% p.a.
  • Standard variable interest rate on balance transfers and cash advances currently at 20.24% p.a.
  • $15,000 minimum credit limit

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 up to 130,000 bonus Qantas Points to new cardholders plus $255 back.

Where could you go with 130,000 Qantas Points?

  • Fly Melbourne to Rome for 66,200 Qantas Points
  • Fly Brisbane to Moscow for 66,200 Qantas Points
  • Fly Darwin to Helsinki for 65,200 Qantas Points
  • Fly Canberra to Seoul for 53,000 Qantas Points
  • Fly Sydney to Istanbul for 61,500 Qantas Points
  • Fly Perth to Paris for 65,200 Qantas Points
  • Fly Hobart to Doha for 62,300 Qantas Points

Point calculations are accurate but may be subject to change without notice. All routes may have additional taxes and charges.

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

  • Discounted Qantas Club membership, saving you up to $256 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,
  • Complimentary Qantas Frequent Flyer membership, saving you $99.50,
  • 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:

  • International Travel Insurance for trips up to 6 months
  • Interstate Flight Inconvenience Insurance
  • Rental Vehicle Excess In Australia Insurance
  • Extended Warranty Insurance
  • Guaranteed Pricing Scheme
  • Purchase Protection 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 the rewards offer, as a new cardholder, you will be credited with up to 130,000 bonus Qantas Points plus cashback. Get 100,000 bonus Qantas Points and $255 back when you spend $3,000 on eligible purchases in the first three months from approval and an additional 30,000 Qantas Points when you keep your card for over 12 months. The 100,000 bonus Qantas Points and the $255 will be credited to your account within three months of the eligible spend criteria being met while the 30,000 bonus Qantas Points will be credited to your Qantas Points balance within 3 months from the first year of card approval and the annual fee is charged. Points will be deposited to your Qantas account while the cashback to your credit card account. The $255 credit will be utilized on purchases and does not constitute payments under your contract with ANZ.

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 $99.50.

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 45,040 Qantas Points, or a Breville Nespresso Creatista for 104,170 Qantas Points.
  • Got a baby on the way? Pick up a Baby Jogger City Tour for 72,910 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 100,690 Qantas Points, or the FitBit Surge Small for 70,590 Qantas Points.

(Points correct as of 3 February 2021)

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.

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 standard individual Qantas Club annual fee (instead of $600), while also saving on the sizeable $99 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 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.
  • Guaranteed Pricing 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.
  • Purchase Protection Insurance: Cover against loss, theft or accidental damage on most personal items purchased, three months from the date of purchase.
  • International Travel Insurance
  • Interstate Flight Inconvenience Insurance: On interstate travel within Australia on holidays up to 14 days
  • Rental Vehicle Excess In Australia Insurance: 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 $255 back on your card, when you spend $3,000 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 20.24% 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 permanent Australian resident who is 18 or over, with a good credit rating. Or if you are non-permanent resident, you need to have more than nine months remaining on your visa to 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 up to 130,000 bonus Qantas Points and $255 back on your card on the table.

User reviews

ANZ Frequent Flyer Black Credit Card ( based on 12 Creditcard.com.au user reviews )

64% rating based on 12 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.24% p.a.

Cash advance rate 20.24% p.a.

Interest free period on purchases up to 55 days

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

Foreign transaction fee 3%

Minimum repayment 2% or $25, whichever is greater

Cash advance fee Consumer: 2% or $4 whichever is greater (2% or waived for RTA); Commercial: 1.50% or $1.50 whichever is greater

Late payment fee $20

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points Up to 130k points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 within the first 3 months (100,000 points), keep card for over 12 months (30,000 points)

Earning points with this card

Qantas Rewards points 1 point per $1 spent

Points cap per month Capped at $7,500, then 0.5 pts per $1 spent

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Two Qantas Club lounge access passes per year

Complimentary Qantas Frequent Flyer membership (save $99.50)

Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Overview

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 up to 130,000 bonus Qantas Points and $255 back. Earn 100,000 bonus Qantas Points and $255 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval and an additional 30,000 Qantas Points when you keep your card for over 12 months. New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $425). You can also receive 2 complimentary Qantas Club Lounge invitations per year upon request. 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.

Key features

  • Earn 100,000 bonus Qantas Points and $255 back when you spend $3,000 on eligible purchases in the first 3 months from approval and an additional 30,000 Qantas Points when you keep your card for over 12 months. Available to new card members only
  • 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 (save $99.50)
  • Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
  • ANZ Falcon fraud monitoring + ANZ Fraud Money Back Guarantee
  • International Travel Insurance for trips up to 6 months
  • Extended Warranty Insurance, Purchase Protection Insurance
  • Guaranteed Pricing Scheme
  • Concierge service

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-permanent resident with more than 9 months remaining on your Visa

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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

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

292 questions (showing the latest 10 Q&As)

Leo

Leo

11 November 2021
Hi, when will this promotion end?
    Pauline - CreditCard.com.au

    Pauline

    12 November 2021
    Hi Leo, good question! ANZ has kept their cards close to their chest with their offer terms on this promotion. All we know is this is an offer that’s open for a limited time which may be removed or changed at any time. To take advantage of their current offer, you can click on the Go To Offer button at the top of this page. As with all products ensure you meet the card's eligibility criteria and read the TMDs before applying.
VINIT JHAVAR

VINIT JHAVAR

1 November 2021
How to go ahead with the application of Qantas frequent flyer black credit card
    Pauline - CreditCard.com.au

    Pauline

    2 November 2021
    Hi Vinit, you can click on the Go To Offer button at the top of this page to start your application. Make sure you meet the card’s eligibility first and check their TMDs before proceeding with your application.
Darren

Darren

1 November 2021
Hi, just a question around whether I can use this card in NZ? For more context, me and my partner are looking to return to NZ mid Jan. If I apply now, will I still be able to gain points whilst still in NZ and will that affect being eligible for the points?
    Pauline - CreditCard.com.au

    Pauline

    1 November 2021
    Hi Darren, the short answer is yes you will be able to use this card in New Zealand and still be able to earn points. It’s worth noting that you will be charged a 3% foreign transaction fee every time you use your card. If you’re looking for a rewards card with no FX fees from you could compare the ANZ Rewards Travel Adventures card or the CommBank Ultimate Awards Credit Card. Safe travels!
Kyle

Kyle

4 October 2021
Hi, If I return something, will I lose the points I have accumulated from that purchase.
Klodian

Klodian

4 October 2021
Hi, I often invest into crypto and use direct debit to transfer funds to my crypto exchange company so I can trade. Will this count as an everyday purchase and accumulate points ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 October 2021
    Hi Klodian, this is a bit of a tricky area and you should do you due diligence before signing up to any card to buy crypto. Especially as it is a highly volatile commodity. The ANZ terms and conditions state that you won't earn points on cash advances, so you’ll need to check whether your purchase is classed as a cash advance or not. If you have the option of using BPAY, you could be eligible to score some points. Let us know how you go!
Brenda

Brenda

28 September 2021
Hi, i am just wondering how long does it take usually for the credit card application to be approved and issued
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 September 2021
    Hi Brenda, usually it only takes about 5 minutes to apply online. For the approval process though, it actually depends on several factors. This includes your credit-worthiness, income, debt serviceability and the accuracy of your documents. Banks also have other criteria that they do not publish. Best of luck!
Tharun

Tharun

28 September 2021
I have previously owned a ANZ credit card. I just wanted to know, if I am currently eligible for this credit card and its points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 September 2021
    Hi Tharun, this actually depends on what ANZ card you had. Digging into their terms, this card’s bonus points offer is not available to those who currently hold or have closed any of their ANZ Frequent Flyer cards in the last 12 months. Let us know what card you have and we can help further!
Basil

Basil

19 September 2021
how much do I need to earn annually to be eligible for the ANZ black credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 September 2021
    Hi Basil, ANZ don't publish the income eligibility for this card. However, with a 15k minimum credit limit it's safe to assume that it's a higher threshold than other cards. It might be worth calling ANZ and asking their call centre. If you get an answer we'd love to know and publish it on the site. Thanks for writing in!
Dat

Dat

19 September 2021
Hi, If I cancel my credit card after the 1st year - do I keep my points? And do the points expire?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 September 2021
    Hi Dat, great question. This credit card is linked to the Qantas Rewards program, so as long as you keep your account open and continue to earn points your points won't expire. One easy way to keep your Qantas account active is if you link a Woolworths Rewards account to your Qantas account. This way you'll still be able to still points. Hope this has helped!
tamara

tamara

1 September 2021
hi i currently have an anz frequent flyer card but want to apply for the anz frequent flyer blac card. will i still be eligible for the points bonus?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 September 2021
    Hi Tamara, sorry to bear some bad news but as per ANZ’s terms, the bonus points offer is not available to those who currently hold a Basic, Gold, Platinum or Black Frequent Flyer versions of the card. This also applies if you have closed or qualified for bonus Qantas points or credit back on any of the said cards within the previous 12 months. If you’d like to compare frequent flyer offers, you can use our handy comparison tool.
Peter

Peter

24 August 2021
Please explain spend $3000.00 on eligible purchases in first 3 months from approval.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 August 2021
    Hi Peter, to get the bonus points offer, you need to use your card to make purchases or payments totalling of at least $3000 in the first 3 months from your card approval. Example, if you were approved 30-August, you have until 30-November to accumulate $3000 worth of transactions on eligible purchases. These are transactions you make everyday like payments made towards groceries, petrol, doctor's appointments, restaurants, etc. Hope this helps!
Thiru

Thiru

13 August 2021
Hi, With the ANZ Frequent Flyer Black credit Card, can the Qantas points expire? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 August 2021
    Hi Thiru, thanks for your question! We dug into this and checked the Qantas terms for you. The points do not expire provided that you earn and use your points through your Frequent Flyer account at least once every 18 months. If you use your points earning card to make everyday purchases, or have a Woolworths Everyday rewards account converting to Qantas Points you should be able to keep you account open.
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