ANZ Frequent Flyer Black – Rates and Fees

Information verified correct on June 29th, 2016
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Earn a bonus 75,000 Qantas points bonus points after you make your first eligible purchase within three months of card approval.

The ANZ Frequent Flyer Black comes linked to the Qantas Frequent Flyer Program, giving cardholders the ability to earn Qantas points as they spend. New cardholders can earn 75,000 bonus points after their first eligible purchase is made within three months of card approval.

Cardholders can also take advantage of a number of travel benefits, including complimentary insurance cover and round-the-clock concierge services.

Product NameANZ Frequent Flyer Black
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)19.99% p.a.
Annual fee$425 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you dont have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.49% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$15,000
Minimum Income$75,000
Card TypeAmerican Express/Visa
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (MC)3% of transaction value
Foreign Currency Conversion Fee (AMEX)1.5% of transaction value
Complimentary Travel InsuranceYes
Complimentary Travel Insurance Cover6 months
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Income$75,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$15,000
Annual Fee$425 p.a.
Cash Advance Fee$0
Overseas Cash Advance Fee$4
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (MC)3% of transaction value
Foreign Currency Conversion Fee (AMEX)1.5% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$10 p.a.
Number of Additional Cardholders9
BPAYYes
ChequeYes
Direct DebitYes
Australia PostNo
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
Rewards ProgramQantas Frequent Flyer
Bonus Points on Sign-up75,000
Rewards Points per $ (VISA/MC)0.75
Rewards Points per $ (AMEX)1.5
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ (AMEX) CapUncapped
Points ExpiryNever

ANZ Frequent Flyer Black Card review

The ANZ Frequent Flyer Black Credit Card is best suited to regular globetrotters who are looking for a rewards card. This credit card is ANZ’s top tier frequent flyer offering, giving cardholders the ability to earn Qantas points faster. Travel rewards come in the form of complimentary Qantas Club lounge invitations, complimentary overseas airport lounge access, a Qantas Club membership special offer, and more.

Cardholders can make use of different complimentary travel and purchase insurance covers, and a 24/7 concierge service can assist them in more ways than one. The minimum credit limit of this card is $15,000, and ANZ requires that you earn at least $75,000 p.a. to qualify.

Benefits of using an ANZ Frequent Flyer Black Credit Card

In return for the annual fee that you have to pay for as long as you use this card, you can expect the following benefits:

  • Bonus points. If you’re a new cardholder, you can earn 75,000 bonus points after you make your first eligible purchase within three months of card approval.
  • Earn points as you spend. You earn Qantas points each time you use your ANZ Frequent Flyer Black Card to make an eligible purchase, in Australia and overseas. You can redeem your accumulated points through the ANZ Frequent Flyer Rewards Program or the Qantas Frequent Flyer Program, for flight tickets, ticket upgrades, hotel reservations, and a range of merchandise.
  • Travel benefits. You can look forward to two complimentary Qantas Club Lounge invitations every year. Through Veloce, you get unlimited access to participating international airport lounges. If you use your ANZ Frequent Flyer Black Card to pay for Qantas Club membership, you can save up to $475 in the first year. Membership to the Qantas Frequent Flyer program is free.
  • Make payments easier with Apple Pay. Tap and pay with your device and secure your transactions using the touch id feature. Learn more here.
  • Complimentary insurance covers. Best price guarantee scheme, 90-day purchase security insurance, and extended warranty cover the purchases you make with the card. When you use your card to make travel bookings, you can make use of transport accident cover, interstate flight inconvenience insurance, overseas travel and medical insurance, and rental excess cover.

ANZ Frequent Flyer Black features

If you’re considering applying for the ANZ Frequent Flyer Black Card, take some time to find out just what it offers:

  • Annual fee. This card has an annual fee of $425 of which $370 is an annual account fee and $55 goes towards a rewards program services fee.
  • Reward points. If you opt for the ANZ Frequent Flyer Black American Express card you earn 1.5 Qantas points for every dollar spent. If you get the ANZ Frequent Flyer Visa Black Card, every dollar you spend earn 0.75 Qantas points. There is no cap on the maximum number of points you can earn, and your points don’t expire as long as the account remains in good standing.
  • Visa or American Express. Choose between Visa and American Express variants. While the Visa card finds increased acceptance around the world, the American Express card gives you the ability to earn rewards even faster.
  • Interest-free days. You can make use of up to 55 interest-free days on purchases, provided you pay the account’s closing balance in full each month.
  • Card security. This microchip enabled card provides more protection against fraud when compared to cards that rely on magnetic strips. ANZ Falcon is in place to monitor your account for suspicious transactions 24/7.
  • Contactless payments. No matter whether you use the Visa or American Express Black card, you can make contactless payments for purchases less than $100.

How to apply for the ANZ Frequent Flyer Black Card

You can apply for the ANZ Frequent Flyer card by visiting any ANZ branch, you can initiate the process over the phone, or you can submit an online application. But before you apply, make sure that you meet the following eligibility criteria:

Eligibility criteria

  • You’re over 18 years of age
  • You’re an Australian citizen, a permanent Australian resident or a temporary resident holding a 457 working visa and have at least nine months remaining from the date of application.
  • Earn a taxable income of more than $75,000 p.a.
  • You have good creditworthiness.

Required documents

Before you begin with the application make sure you have the following handy so you don’t end up submitting an incomplete application:

  • Your complete name, residential address, phone number, and email address
  • Your marital status and number of dependents
  • Your Australian driver’s license number, if you have one
  • Your employer’s name and contact details
  • Details about your income, assets, expenses, and liabilities.

If you’re someone who travels from time to time, applying for the ANZ Frequent Flyer Black Card makes sense, given its range of travel benefits and complimentary insurance covers. As a result, consider your options well and compare a few cards before you make a decision.

Frequently asked questions

How quickly can I complete the application?

With all the information close at hand when you begin, you should be able to complete the application in around five minutes. You can expect a response within 60 seconds.

Can I get an additional card?

Yes, you can get up to 9 additional cards linked to your primary card, but you would have to pay an additional card fee for each, which includes $10 as additional card fees and $55 as rewards program services fees.

What can the concierge service help me with?

You can turn to this service for help in various matters like finding restaurants and making reservations, making travel arrangements, sending gifts, and arranging business meetings.

What is considered an eligible purchase?

Points are awarded for eligible purchases only. Eligible purchases do not include a number of transactions, like cash withdrawals from an ATM, paying some bills and paying credit card and government fees and charges. Refer to the terms and conditions for a full list of transactions that ineligible to earn Qantas Points.

I'm making an overseas transaction, what are the charges?

  • When using an ANZ Visa, ANZ MasterCard or ANZ PAYCARD, ANZ will charge 3% of the value of any foreign or Australian currency transaction charged to ANZ Visa, ANZ MasterCard or ANZ Visa PAYCARD credit card where the merchant or financial institution accepting the card is located outside of Australia. For an overseas ATM transaction the Overseas Transaction Fee is calculated on the value of the transaction and any ATM operator fee that you accept when you proceed with the transaction at the ATM.
  • For any ANZ American Express credit card, American Express will charge 1.5% of the value of any foreign or Australian currency transaction charged to your ANZ American Express credit card where the merchant or financial institution accepting the card is located outside of Australia.
    ANZ will also charge 1.5% of the value of any foreign or Australian currency transaction charged to your ANZ American Express credit card where the merchant or financial institution accepting the card is located outside of Australia. Important: Please note that the ANZ and American Express Overseas Transaction fees will be combined for each transaction and displayed as one fee on the statement. A charge that is made in a foreign currency other than US Dollars will, when the conversion is done by American Express, be converted into US Dollars before being converted into your billing currency.
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295 Responses to ANZ Frequent Flyer Black – Rates and Fees

  1. Default Gravatar
    Steve | June 6, 2016

    Question on Travel benefits. If you use your ANZ Frequent Flyer Black card to pay for Qantas Club membership, you can save up to $475 in the first year.

    Is this paid as a credit back to the account, after I pay for the membership myself? Also is it an ongoing saving (subsequent years), or just for the first year?

    • Staff
      Anndy | June 6, 2016

      Hi Steve,

      Thanks for your comment.

      The $475 is the savings you can get (for the first year only) if you will use your ANZ Frequent Flyer Black card to pay for Qantas Club membership annual fee. This is offer is based upon a joining fee waiver and a discount to the standard one-year individual membership rate. Furthermore, the joining fee waiver is offered by ANZ and is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the Qantas website.

      If you already paid your Qantas membership prior to your card application and approval, I’m afraid that the $475 will not be credited back to your ANZ Frequent Flyer Black account.

      Cheers,
      Anndy

  2. Default Gravatar
    Mark | June 2, 2016

    Good afternoon.
    I am currently already a member of QFF.

    Will I be able to keep all points accumulated including the joining bonus of 75,000 points if I do not wish to keep my ANZ FF Black after one year?

    • Staff
      Anndy | June 2, 2016

      Hi Mark,

      Thanks for your comment.

      If you cancel or close this card, you will be able to keep your accumulated points, provided you adhere to the following ANZ Frequent Flyer terms and conditions:

      “…if ANZ or the Account Holder closes the Card account, Points will continue to be awarded under these terms and conditions in relation to transactions occurring prior to the date of closure, provided that ANZ receives notice of the transaction and the Account Holder’s Qantas Frequent Flyer membership number within 60 days after the date of closure. No Points will be awarded in relation to transactions notified to ANZ after that date. If ANZ does not receive the Account Holder’s Qantas Frequent Flyer membership number within 60 days after the date of closure, the Points in the Points Record in respect of the Card as at that date will be cancelled and may not be credited to a Qantas Frequent Flyer program account.”

      I hope this helps.

      Cheers,
      Anndy

  3. Default Gravatar
    Danny | June 2, 2016

    If I cancel card in first year of membership , do I pay any fees ?

    • Staff
      May | June 2, 2016

      Hi Danny, thanks for getting back!

      Just confirming, are you referring to the Qantas Club membership? If so, yes, you may, at any time, cancel your membership by providing written notice to Qantas. Upon receipt of a written notice, Qantas will cancel your membership and all accumulated Qantas Points in your account will immediately expire. There is also no fee to cancel.

      Cheers,
      May

    • Staff
      May | June 2, 2016

      Hi Danny,

      Thanks for your question.

      Yes, you can cancel or close this card at anytime so long you have paid off all the outstanding balance on the account. Cancellation is free of charge.

      Cheers,
      May

  4. Default Gravatar
    Chris | June 1, 2016

    Hi there,

    Just wondering if ANZ can supply BOTH the amex and visa rather than just one or the other? If not possible for the primary card holder, if I was to opt for a second card holder would I have the choice between the AMEX or VISA for that card?

    Cheers.

    • Staff
      May | June 6, 2016

      Hi Chris,

      Thanks for your question.

      The primary and the additional cardholder of ANZ Frequent Flyer Black credit card will receive both the AMEX and Visa cards.

      Hope this has answered your question.

      Cheers,
      May

  5. Default Gravatar
    Ben | May 26, 2016

    Hi there, I currently have a ANZ FF platinum card and was thinking about stepping up to the black, but I understand neither the points, nor annual fee benefits are available for existing cardholders:(

    My wife is a secondary cardholder on my current A/c – my question is if she applies as primary cardholder on the black will she get the points and fees waived? If not how long must we cancel our existing ANZ cards for until I will be eligible for the benefits? Thanks!

    • Staff
      Ysa | May 30, 2016

      Hi Ben,

      Thanks for your question.

      As long as your wife has not previously held any ANZ card or has been a primary cardholder within the past twelve months, then she should be eligible for the annual fee waiver and bonus points offer.

      I hope this has answered your question.

      Cheers,
      Ysa

  6. Default Gravatar
    Cambo | May 24, 2016

    I held an ANZ Qantas card about two years ago. If I take out the ANZ Frequent Flyer Black Card, will I receive the 75,000 QFF points?

    • Staff
      Anndy | May 24, 2016

      Hi Cambo,

      Thanks for your question.

      If you have closed or cancelled your old ANZ credit card for 2 years now, you will be eligible to receive the 75,000 bonus points provided you meet the other eligibility criteria for earning points.

      After your application has been approved and your credit card activated, you must make $2,500 worth of eligible purchases within three months of approval. Please note that the bonus offer applies only once per eligible customer.

      Cheers,
      Anndy

  7. Default Gravatar
    BB | May 24, 2016

    When traveling overseas, what is the QFF points earn rate for each of the cards?

    (understand in Oz it is 1.5 = Amex & .75 VC per dollar)

    • Staff
      May | May 24, 2016

      Hi BB,

      Thanks for your question.

      Yes, that’s correct. When making an eligible purchase using your ANZ Frequent Flyer Black Credit Card in Australia and overseas, for every dollar spent you’ll get 1.5 Qantas Points for AMEX and 0.75 Qantas Point for Visa.

      Cheers,
      May

  8. Default Gravatar
    Joel | May 24, 2016

    What is the minimum amount of time you need to hold the card. If I am not happy with the card can I cancel after 6 months?

    • Staff
      Anndy | May 24, 2016

      Hi Joel,

      Thanks for your comment.

      You can cancel your credit card at anytime as soon as you paid the balance in full, and this is true for most credit cards. You can find some tips on how to cancel a credit card here.

      I hope this helps.

      Cheers,
      Anndy

  9. Default Gravatar
    Rony | May 21, 2016

    Is it a requirement to pay for the Qantas Club membership to receive the 75k points and to have the fees waived and to receive the free lounge passes etc?

    • Staff
      May | May 23, 2016

      Hi Rony,

      Thanks for your question.

      Your payment for Qantas membership fee is not a requirement in order to get the 75k bonus points, but rather, you’ll need to use your ANZ Frequent Flyer Black card to make purchases of $2,500 or more within the first three months after approval to get the bonus points.

      Moreover, among the travel benefits offered by this card is your eligibility to get two complimentary Qantas Club Lounge invitations every year. Through Veloce, you get unlimited access to participating international airport lounges.

      In the meantime, you’ll need to be a member of Qantas Club so that you’ll be able to use your Qantas points. If you purchase your Qantas Club membership using your ANZ Frequent Flyer Black card, you could save up to $475 in the first year which is based upon a joining fee waiver and a discount to the standard one-year individual membership rate. You may contact Qantas Frequent Flyer Service Centre to take advantage of this joining fee savings / waiver. Please see your email that contains the contact details of Qantas.

      I hope this has answered your question.

      Cheers,
      May

  10. Default Gravatar
    Matt | May 13, 2016

    Hi There

    For this card to get the bonus points do you need to spend the minimum 3k on the AMEX card or the Visa Card?

    Also if you make payments to the ATO does this card provides points for this as well.

    • Staff
      Sharon | May 13, 2016

      Hi Matt,

      Thanks for your inquiry.

      You’ll get the 75,000 bonus points if your application for the ANZ Frequent Flyer Black card was approved, and provided that you use your card to make purchases of $2,500 or more within the first three months.

      The providers listed on this page are currently the only ones in Australia that allow cardholders to earn points on tax payments.

      I hope this helps.

      Thanks,

      Sharon

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HSBC Platinum Qantas Credit Card
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