ANZ Frequent Flyer Black – Rates & Fees

Information verified correct on May 25th, 2016
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Earn a bonus 75,000 Qantas points with annual fee for the first year with the ANZ Frequent Flyer Black credit card

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, provided you use your card to make purchases of $2,500 or more within the first three months.

This card also waives the annual fee for the first year. 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$0 p.a. annual fee for the first year ($425 p.a. thereafter)
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$0 p.a. annual fee for the first year ($425 p.a. thereafter)
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, provided you use your card to make purchases of $2,500 or more within the first three months.
  • 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.

Features of the ANZ Frequent Flyer Black

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

  • Annual fee. Enjoy  annual fee for the first year. After the promotion this card attracts a total 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.
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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. While it offers a first year annual fee waiver, remember that you’ll have to start paying it from the second year on. As a result, consider your options well and compare a few cards before you make a decision.

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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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284 Responses to ANZ Frequent Flyer Black – Rates & Fees

  1. 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

  2. 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

  3. 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

  4. 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

  5. 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

  6. Default Gravatar
    Marci | May 11, 2016

    Hi,

    If I accumulate points (including the bonus Qantas FF points), but decide to cancel my credit card before I use them, would the points expire, or do you mean the FF account in the following statement: ‘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.’

    Thank you.

    • Staff
      May | May 11, 2016

      Hi Marci,

      Thanks for your question.

      The bonus Qantas Points will be credited to your ANZ account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points.

      Although the points do not have expiration and are not capped, as for cancellation of the card, the ANZ terms and conditions which state that ‘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’ve sent to your email the ANZ terms and conditions, for your reference.

      I hope this has answered your question.

      Cheers,
      May

  7. Default Gravatar
    Al | May 7, 2016

    Hi,

    Just wondering when this offer expires.
    Thanks

    • Staff
      Ysa | May 9, 2016

      Hi Al,

      Thanks for your question.

      At this point, we do not have a definite end date for the promotion. However, since this is a limited time offer, ANZ may withdraw or change the deal at their discretion.

      Cheers,
      Ysa

  8. Default Gravatar
    Tom | May 6, 2016

    Is this card available in a company name with additional cards on the account? If so is the offer still the same?

    • Staff
      May | May 6, 2016

      Hi Tom,

      Thanks for your question.

      ANZ Frequent Flyer Black is one of the personal credit card products offered by ANZ, so this card cannot be applied by a company or named under a company. Although this card, for personal applications, allows additional cardholders (up to 9) with an annual fee of $65 per additional cardholder.

      Moreover, this card is also linked to the Qantas frequent flyer program, which is also subject to Qantas’ terms and conditions. In the T&Cs of Qantas FF program, it states that membership of Qantas Frequent Flyer is open only to individuals and not open to families, groups, companies, etc.

      Cheers,
      May

  9. Default Gravatar
    Josh | May 4, 2016

    Would paying private school fees be considered an Eligible purchase?

    • Staff
      May | May 4, 2016

      Hi Josh,

      Thanks for your inquiry.

      If you pay the school fees through BPay, then it will be classified as a cash advance. But if the school direct debits your card, then, yes, it is classified as a purchase and you will receive points.

      Hope this answers your question.

      Cheers,
      May

  10. Default Gravatar
    LIEYA | April 28, 2016

    Hi,

    1. I’m not a Qantas frequent flyer member so will be applying for the ANZ frequent flyer black credit card automatically join me into the membership if my card is approved?

    2. I know I don’t need to pay an annual fee for the first year. If I activate my card in May 2016, when will the annual fee for the second year be charged?

    3. I know that the 75,000 bonus Qantas frequent flyer point will be in my account 3 months after the $2500 spent, will I be able to redeem the points as soon as they hit my account?

    Appreciate it. Thanks!

    • Staff
      May | May 4, 2016

      Hi Lieya,

      Thanks for your questions.

      1. In the ANZ Frequent Flyer Black page, it states that your Membership with Qantas Frequent Flyer is subject to the terms and conditions of Qantas FF program. And Qantas FF program T&Cs say that Membership is offered at the discretion of Qantas and they have the right to accept or reject any application for Membership. I’ve sent to your email the Qantas FF program T&Cs for your reference.

      2. If the card will be activated in May 2016, the first payment of the annual fee will be in May 2018.

      3. Yes, as soon as your points are already credited in to your account, that’s the time you can use or redeem your points.

      I hope these have answered your questions.

      Cheers,
      May

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Rates last updated May 25th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 0.99% p.a. for 4 months with a low annual fee.
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American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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