ANZ Frequent Flyer Black – Rates and Fees

Information verified correct on August 30th, 2016
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Earn a bonus 75,000 Qantas 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 do not 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
Late Payment Fee$20
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (MC)3% of transaction value
Foreign Currency Conversion Fee (AMEX)3% 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.
Late Payment Fee$20
Over Limit Fee$20
Cash Advance Fee$0
Overseas Cash Advance Fee$4
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (MC)3% of transaction value
Foreign Currency Conversion Fee (AMEX)3% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$65 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.
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  • 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 $65 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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311 Responses to ANZ Frequent Flyer Black – Rates and Fees

  1. Default Gravatar
    | August 25, 2016

    I held an ANZ Qantas card but closed it in May 2015. If I take out an ANZ Frequent Flyer Black card now, am I still eligible for the 75,000 bonus QFF points?

    • Staff
      Sally | August 25, 2016

      Hi Iain,

      Thanks for your question.

      Unfortunately, the bonus points are only available to new ANZ customers. As you have been an ANZ cardholder within the last year or so, you might not be eligible. Just to double check, you might like to contact ANZ first and consider whether it has been long enough to consider you a new cardholder.

      Cheers,

      Sally

  2. Default Gravatar
    sarah | August 22, 2016

    Is it possible to get ANZ to waive the annual fee?

    • Staff
      May | August 23, 2016

      Hi Sarah,

      Thanks for your inquiry.

      I’m afraid that the annual fee for this high-end ANZ Frequent Flyer Black card will not be waived. If you want to know which ANZ credit card that has no annual fee, please check this page.

      I hope this helps.

      Cheers,
      May

  3. Default Gravatar
    stephen | August 16, 2016

    If a husband and wife separately apply for separate cards are they both eligible for 75,000 points?

    • Staff
      May | August 16, 2016

      Hi Stephen,

      Thanks for your question.

      So long that the husband and wife are new and approved applicants for the ANZ Frequent Flyer Black and have not held or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous twelve months, each of them will be eligible for the 75,000 Qantas bonus points.

      Cheers,
      May

  4. Default Gravatar
    | July 26, 2016

    Are the points capped per year?

    • Staff
      May | July 26, 2016

      Hi Michael,

      Thanks for your question.

      The Qantas points you can earn using your ANZ Frequent Flyer Black credit card are uncapped. You can earn as many points as you like with card.

      Cheers,
      May

  5. Default Gravatar
    Michael | July 23, 2016

    Can you open up the account in a business name?

    • Staff
      May | July 26, 2016

      Hi Michael,

      Thank you for your question.

      Unfortunately, the ANZ Frequent Flyer Black is a personal credit card, so this cannot be opened under a business name.

      Cheers,
      May

  6. Default Gravatar
    Rob | July 19, 2016

    I am already a Qantas club member – do I get any discount/refund if I use the card to pay for my renewal?

    • Staff
      May | July 19, 2016

      Hi Rob,

      Thanks for your question.

      Unfortunately, there is no discount/refund given to you if you will use your ANZ Frequent Flyer Black to pay for your Qantas Club membership renewal. The savings of $475 on Qantas club membership fee is for the joining fee waiver offered by ANZ to card new applicants who are not yet a member of Qantas Frequent Flyer program and who register at the Qantas website.

      Cheers,
      May

  7. Default Gravatar
    Cheryl | July 11, 2016

    Are the 2 Qantas Club Lounge invitations sent to eligible members or how does the QF club know that you have these 2 complementary passes when you wish to go in?

    • Staff
      May | July 11, 2016

      Hi Cheryl,

      Thanks for your question.

      The two Qantas Club Lounge invitations are provided courtesy of ANZ to ANZ Frequent Flyer Black account holders, conditions apply. This benefit is for Qantas Club and Qantas operated international Business Lounges only. You can request this benefit by calling ANZ Personal Concierge and you need to provide them with your current mailing address. You will receive the invitations within 4 weeks of the request and these are valid for 12 months from the date of the request.

      To gain complimentary access, you must present your credit card and a current flight boarding pass in the same name at the participating lounge.

      For your convenience, I’ve emailed you the contact details of ANZ Personal Concierge.

      I hope this is helpful.

      Cheers,
      May

  8. Default Gravatar
    Tony | July 2, 2016

    I obtained a ANZ Qantas Black Card in April and have made well over the qualifying purchases to obtain the 75k bonus points. When will the bonus points appear in my FF account ?

    • Staff
      Anndy | July 4, 2016

      Hi Tony,

      Thanks for your inquiry.

      Once you meet the spend criteria to earn the 75,000 bonus Qantas points, the points will be credited to your ANZ account within three months. Please note that if you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the bonus points are credited, you may become ineligible for these bonus Qantas Points.

      Cheers,
      Anndy

  9. 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

  10. 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

Credit Cards Comparison

Rates last updated August 30th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
9.99% p.a. $0 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 70,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
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. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. 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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