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25,000 Spend $1,000 in first 3 months
ANZ Frequent Flyer Credit Card
ANZ Frequent Flyer Credit Card

ANZ Credit Cards

ANZ Frequent Flyer Credit Card

Updated 22 November 2021

A classic rewards credit card that currently offers 25,000 bonus Qantas Points when you spend $1,000 on eligible purchases in the first 3 months. Earn 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period, then 0.25 Qantas Points per $1 spent on eligible purchases.

New card. Limited time. Spend and eligibility criteria, T&Cs, fees and charges apply (including an annual fee of $95).

Points Earn Rate (per $1 spent)

0.5 points

Capped at $500, then 0.25 pts per $1 spent

Rewards Program

Qantas Frequent Flyer

Bonus Points

25,000 pts

Spend $1,000 in first 3 months

Pros and cons

  • 25,000 bonus Qantas Points when you spend $1,000 on eligible purchases in the first 3 months
  • Complimentary Qantas Frequent Flyer Membership (save $99.50)
  • Low rewards annual fee of $95
  • Earn 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period
  • Minimum credit limit of $1,000
  • ANZ Falcon fraud monitoring + ANZ Fraud Money Back Guarantee
  • Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay

  • 0.25 Qantas Points per $1 spent on eligible purchases above $500 per statement period.
  • Additional card holder $10 + Rewards membership $55

Creditcard.com.au review

Editor Review

ANZ Frequent Flyer 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 ANZ Frequent Flyer Credit Card

As a basic rewards credit card, the ANZ Frequent Flyer Credit Card offers an easy way to earn Qantas Points on everyday purchases, while keeping it simple elsewhere. As a cardholder, you can benefit from all the essential features you would expect from a credit card, with a very appealing introductory offer thrown in as well. Apply today and spend $1,000 on eligible purchases in the first 3 months, and you will have 25,000 bonus Qantas Points to play with.

What we love...

Want to know more about that bonus points offer? It’s pretty simple.

You need to be a new cardholder – which means you cannot have held an ANZ Frequent Flyer Black, ANZ Frequent Flyer Platinum, ANZ Frequent Flyer Gold or an ANZ Frequent Flyer credit card in your name in the past 12 months – and you need to spend $1,000 on eligible purchases in the first 3 months of account opening to be credited with 25,000 bonus Qantas Points.

Unlike some other cards’ bonus points offers, which stipulate a specific spend on the card in order to be eligible for the points, with the ANZ Frequent Flyer Credit Card you just have to use the card once. Most purchases are eligible, but do not include purchases that cover fees or cash withdrawals, or transactions for gaming or gambling. Check the terms and conditions for more.

Now, what is that 25,000 bonus points really worth? In terms of travel, you could fly from Brisbane to Denpasar for 18,000 Qantas Points, from Melbourne to Phuket for 21,500 Qantas Points, or from Sydney to Nadi for 18,000 Qantas Points. Giving you a nice little holiday, with a few points left over to cover some of the return journey.
Point calculations may be subject to change without notice. All routes may have additional taxes and charges.

Or, if you fancy a bit of shopping, you could redeem 19,010 Qantas Points for a $100 David Jones Physical gift card, 18,770 Qantas Points for a $100 Myer Digital gift card, or 20,730 Qantas Points for a $100 Big W Physical gift card. With the leftover points, you could easily pick up something nice from the vast array on offer at the Qantas Store.

What’s not so great...

For the most part, rewards cards are not ‘low rate’ credit cards. Unfortunately, the ANZ Frequent Flyer Credit Card joins its rewards cards brothers in having a relatively high rate of interest on both purchases and cash advances. Of course, this may not matter to you if you always pay your balance in full each month, but it’s worth bearing in mind.

As for the card’s annual fee, this is neither high nor low. What you need to think about as a cardholder is whether the annual fee you pay is less than the value of rewards you get in return. That means looking at the card’s earn rate, and how much it will allow you to earn with the type of spending you do most.

Why should you choose this card?

If you want a simple credit card that allows you to earn points on the Qantas Frequent Flyer program, the ANZ Frequent Flyer Credit Card may just give you what you need. You can benefit from complimentary Qantas Frequent Flyer membership, giving you a saving of $99.50, and the following earn rate:

  • 0.5 Qantas Points per $1 spent up to $500 per statement period,
  • 0.25 Qantas Points per $1 thereafter,
  • 1 bonus Qantas Point per $1 spent on selected Qantas products and services,
  • Plus bonus points with ANZ’s Bonus Partners.

There is no limit on the number of bonus points you can earn in a statement period. Other features on offer include access to special offers through Visa Offers + Perks, up to 55 days interest free on purchases, and all the basics you generally find on credit cards.

Overall Rating

Offering essential features and the opportunity to earn Qantas Points on day-to-day spending, the ANZ Frequent Flyer Credit Card draws you in with 25,000 bonus Qantas Points, available when you spend $1,000 on eligible purchases within three months of account opening.

User reviews

ANZ Frequent Flyer Credit Card ( based on 6 Creditcard.com.au user reviews )

58% rating based on 6 reviews

Rates
Fees
Rewards
Customer Service
Value
65%

Karly

2 March 2016

Good card for an entry level card combo - shame that they advertise bonus points on Qantas Products, but then exclude Qantas Hotels.

Recommends this card
25%

Andrew Todds

8 November 2014

Capping of QANTAS is a major disincentive. Very disappointed.

Does not recommend this card
72%

Jarrod Davis

28 January 2013

This was my first delve into the world of rewards cards. I had a standard card before and was always happy, but then I started travelling more and wanted to get something back. This card has been easy to build up my points. Annual fee is not bad compared to other similar cards

Recommends this card

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 $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $95 p.a.

Additional cardholder fee Up to 3 - $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 25,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $1,000 in first 3 months

Earning points with this card

Qantas Rewards points 0.5 points per $1 spent

Points cap per month Capped at $500, then 0.25 pts per $1 spent

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Complimentary Qantas Frequent Flyer membership saving you $99.50 if you are not a member yet

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

Overview

ANZ Frequent Flyer Credit Card

If you spend more you should look at the ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black.

It’s easy to earn and redeem points. Points earned each month are automatically credited to your Qantas Frequent Flyer account, allowing you to check how many points you have and what can be redeemed. Cardholders can also enjoy complimentary Qantas Frequent Flyer membership (a saving of $99.50), a competitive annual fee, and up to 55 days interest free on purchases.

Key features

  • 25,000 bonus Qantas Points when you spend $1,000 on eligible purchases in the first 3 months. New card. Limited time. Spend and eligibility criteria, T&Cs, fees and charges apply (including an annual fee of $95)
  • Earn 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period, then 0.25 Qantas Points per $1 spent on eligible purchases above $500 per statement period
  • Complimentary Qantas Frequent Flyer Membership
  • Minimum credit limit of $1,000
  • ANZ Falcon fraud monitoring + ANZ Fraud Money Back Guarantee
  • Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay

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.

21 questions (showing the latest 10 Q&As)

Jeff Andrewartha

Jeff Andrewartha

7 July 2021
Roland I am an aged pensioner, married and own own residence. 18 mths ago a goose at ANZ dropped my credit limit from 18,000 to 6,000 when I was told I could get a qantas card and 50,000 points, he stuffed me up. OK I can manage with $6000 as the bank pays my card on the due date from my savings so no probs, but I really want a frequent flyer card as we like to travel and we purchase everything on credit. What can I do. Thx
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 July 2021
    Hi Jeff, thanks for writing in. There are a wide range of frequent flyer credit cards available in Australia. Generally speaking the minimum income for cards is around $35,000p.a. so when you’ve found a card you’re interested in, read our review and dig deeper into the details. You can use our handy comparison tool to view and compare frequent flyer cards. It will tell you information about earn rates, bonus points and perks. Best of luck!

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