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120,000 Spend $4,000 in first 3 months
ANZ Frequent Flyer Black Credit Card
ANZ Frequent Flyer Black Credit Card

ANZ Credit Cards

ANZ Frequent Flyer Black Credit Card

Updated 2 January 2020

Great Qantas points earning and a huge 120,000 bonus Qantas Points plus $275 back when you spend $4,000 on eligible purchases in the first 3 months. Receive 2 complimentary Qantas Club Lounge invitations per year.

Points Earn Rate (per $1 spent)

1 point

Capped at $7500, then 0.5 pts per $1 spent

Rewards Program

Qantas Frequent Flyer

Bonus Points

120,000 pts

Spend $4,000 in first 3 months

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 120,000 bonus Qantas Points and $275 back to your new ANZ Frequent Flyer Black when you spend $4,000 on eligible purchases in the first 3 months
  • Uncapped points earning
  • Complimentary Qantas Flyer program membership (save $99.50)
  • 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.
  • Complimentary International Travel Insurance
  • Two Qantas Club lounge invitations per year
  • ANZ Falcon fraud monitoring + ANZ Fraud 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

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

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 international travel insurance, and access to Exclusives by ANZ.

  • 120,000 bonus Qantas Points for new cardholders
  • $275 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 1 Qantas Point per $1
  • 24/7 Personal Concierge
  • Up to 55 days interest free on purchases
  • Spend $4,000 on eligible purchases in the first 3 months to be eligible for bonus Qantas Points and $275 back on your card
  • $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 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:

  • 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,
  • 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
  • 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 $4,000 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 $4,000 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 $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 45,930 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.

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 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 $275 back on your card, when you spend $4,000 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 120,000 bonus Qantas Points and $275 back on your card on the table.

User reviews

ANZ Frequent Flyer Black Credit Card ( based on 7 Creditcard.com.au user reviews )

84% rating based on 7 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 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 and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points 120,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $4,000 in first 3 months

Earning points with this card

Qantas Rewards points 1 point per $1 spent

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

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes

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

$275 back on your card

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 120,000 bonus Qantas Points and $275 back to your new ANZ Frequent Flyer Black Card when you spend $4,000 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. 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

  • 120,000 bonus Qantas Points and $275 back to your new ANZ Frequent Flyer Black when you spend $4,000 on eligible purchases in the first 3 months
  • 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 guarantee
  • International Travel Insurance
  • 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

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 Questions

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

210 questions (showing the latest 10 Q&As)

Glen

Glen

19 January 2020
How long is the contract for? Also, is there any cancellation fee? Thank you Glen
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 January 2020
    Hi Glen, there is no contract / requirement to keep the card open. Though you would want to keep it open at least until the bonus points are credited to your Qantas Frequent Flyer account. There is no cancellation fees.
Glen

Glen

19 January 2020
What are the costs involved and lock in contract with this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 January 2020
    Hi Glen, there is no lock in contract with any credit card. You can cancel anytime you can pay the balance to $0. The main costs, outside of interest, is the annual fee. This is $425. Though in the first year, if you meet the $4,000 spend requirement. ANZ will credit back $275 + put 120,000 Qantas points into your Frequent Flyer account.
Kirsty

Kirsty

10 January 2020
Hello, Just wondering if you have to keep this card open for 12 months. And also is there a wait period of being able to use the qantas points? And lastly what qualifies for the spending of the 4k initially? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 January 2020
    Hi Kirsty, you are not required to keep the account open for any minimum period. There is no wait period to use the points. Though the bonus points will be credited to your account. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions. For example fees, cash, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The bonus Qantas Points will be credited to your Qantas account and the $275 will be credited to your credit card account within three months of the eligible spend criteria being met.
Anna

Anna

2 January 2020
What is the salary expectation to be eligible for this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 January 2020
    Hi Anna, ANZ do not provide any guidance on this. In the past it has been around 75k minimum income to apply. Though if you have good credit and excess funds each month etc. Then I would think 50k minimum income should be enough.
Judy

Judy

1 January 2020
The two lunge access per year, is that a) only available to cardholder or can I nominate? b) if I nominate does that mean I will need to be travelling with him/her? c) Kids count as one access? And d) do I need to be travelling via Qantas flight to be able to use it? Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 January 2020
    Hi Judy, Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on qantas.com/qantasclub. From these terms, you can nominate, don't need to be traveling together, kids count it seems (but I am not completely sure - check with Qantas on this). And yes you need to be on a valid Qantas related flight to use.
Margie

Margie

31 December 2019
what are eligible purchases? Does this include groceries?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 January 2020
    Hi Margie, Yes groceries are included as are most things. Importantly its about when they don't happen. 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).
Michael

Michael

27 December 2019
If I use my card to pay my bills .. council rates , body corporate fees, car and house insurance, electricity bill, car rego, private health insurance, gym membership, will I earn qantas points ? Does it matter if I link all my bill to be direct debited from the card or can I BPay the bills ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 December 2019
    Hi Michael, have a read of this booklet - https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf. Grabbing a key part - 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).
Samuel

Samuel

27 December 2019
What is considered an 'eligible purchase' in this credit card scheme?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 December 2019
    Hi Samuel, its easier to look at what are not eligible purchases - bank fees, cash advances, gov spend or balance transfers the keys. Eligible would be shopping, travel, restaurants etc.
Dustin Skipworth

Dustin Skipworth

21 November 2019
I wanted to make sure that a purchase i am going to make on this credit card will be included in the “eligible purchases”? I’m buying some jewelry.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 November 2019
    Hi Dustin, yes this is an eligible purchase as long as not a cash advance to purchase.
Darren Rosd

Darren Rosd

17 November 2019
Do you do cards with QF frequent flyer points thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 November 2019
    Hi Darren, this ANZ Frequent Flyer Black directly earns Qantas points. Qantas Points Earn Rate (per $1 spent) 1 point. Capped at $7500 spend per month, then 0.5 pts per $1 spent after this.

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