ANZ Frequent Flyer credit card – Rates & Fees

Information verified correct on May 24th, 2016
ANZ Frequent Flyer Find out more Go to site

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Pros
  • Dual card meaning you get the benefit of greater points earning with AMEX, and the global acceptance benefits of VISA
Cons
  • Earn rate is lower than some other cards in the market
Overall

An excellent entry level frequent flyer credit card.

Receive 25,000 Qantas Points, earn points as you spend and save with a annual fee for the first year you use the ANZ Frequent Flyer card.

If you’re a frequent traveller then the ANZ Frequent Flyer credit card is ideal for you. You can earn up to 1 Qantas Points for every eligible $1 spent. New cardholders can also earn 25,000 Qantas points after you spend $2,500 on purchases within the first 3 months. Points are automatically added to your Qantas Frequent Flyer account each month and can be redeemed online with Qantas for flights, upgrades, hotel stays and much more.

You’ll also receive a reduced annual fee of for the first year, saving you $95.

There are three levels of ANZ Frequent Flyer credit cards – standard, platinum and black. This review will focus on the standard version. There are a number of similarities and differences between the types of Frequent Flyer cards from ANZ, so read on to find out more.

Product NameANZ Frequent Flyer
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)19.99% p.a.
Annual fee$0 p.a. annual fee for the first year ($95 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 44 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.
$1,000
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$15,000
Minimum Monthly Repayment2%
Minimum Income$15,000
Card TypeAmerican Express/Visa
Late Payment Fee$20
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (AMEX)3% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Income$15,000
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.
$1,000
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$15,000
Annual Fee$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Minimum Repayment2%
Late Payment Fee$20
Over Limit Fee$20
Cash Advance FeeThe greater of 2% of the cash advance amount or a minimum of $0
Overseas Cash Advance FeeThe greater of 2% of cash advance amount or a minimum of $4
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$4
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (AMEX)3% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$10 p.a.
Number of Additional Cardholders3
BPAYYes
ChequeYes
Direct DebitYes
Australia PostNo
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
Pros
  • Get 25,000 Qantas Points after you spend $2,500 on purchases within the first 3 months.
  • Enjoy $0 annual fee for the first year.
  • This credit account offers both Visa and American Express cards for customers to use in certain situations to maximise the amount of rewards they can earn on their everyday purchases.
Cons
  • There are only 44 days interest free when you have paid you balance off in full and make a purchase on your card.
  • Even with the combined Visa and American Express accounts, the rate of $1 : 1.00 Qantas Point is lower than some of the other rewards cards in the market that have comparable annual fees.
Rewards ProgramQantas Frequent Flyer
Bonus Points on Sign-up25,000
Rewards Points per $ (VISA/MC)0.5
Rewards Points per $ (AMEX)1
Rewards Points per $ (VISA/MC) Cap1,500
Rewards Points per $ (AMEX) Cap3,000
Points ExpiryNever

ANZ Frequent Flyer Credit Card review

Use the ANZ Frequent Flyer Credit Card to rack up rewards points as you spend and kickstart your points with a bonus 25,000 Qantas points on sign up if you spend $2,500 in the first 3 months. If you’re not already a Qantas Frequent Flyer, you’ll receive complimentary entry into the program and will need to notify ANZ of your membership number to earn points. You can look forward to savings with a  annual fee for the first year and up to 44 interest-free days on purchases when you pay your balance in full. The Platinum Frequent Flyer credit card is linked with a Visa and an American Express, giving you greater spending freedom.

If you’re after even more perks, the ANZ Frequent Flyer Platinum credit card could be of interest.

Benefits of the ANZ Frequent Flyer card

  • 25,000 bonus Qantas Points offer. Receive 25,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months of account activation. Eligible purchases exclude fees, cash, cash equivalent transactions, balance transfers and premiums paid for ANZ Credit Card Insurance.
  • Annual fee waived for the first year. Pay annual fee for the first year and save $95.
  • AMEX points earning. Earn 1 Qantas Point per $1 spent on AMEX (capped at 3,000 points per statement period).
  • Visa points earning. Earn 0.5 Qantas Point per $1 spent on Visa (capped at 1,500 points per statement period).
  • Eligible for Apple Pay. Make quick, secure, and convenient payments with just a touch of your finger using your iPhone via Apple’s Touch ID technology. Here’s how it works.

Features of the ANZ Frequent Flyer card

  • Annual fee. Pay an annual fee of for the first year, reverting to $95 every year after (includes a $40 annual account fee and a $55 Rewards Program services fee).
  • Reward points earnings. You can earn up to 3,000 Qantas Points each statement period. Points earned are automatically credited to your Qantas Frequent Flyer account every month.
  • AMEX points earning. Earn 1 Qantas Point per $1 spent on AMEX (capped at 3,000 points per statement period).
  • Visa points earning. Earn 0.5 Qantas Point per $1 spent on Visa (capped at 1,500 points per statement period).
  • Complimentary Qantas Frequent Flyer membership. If you’re not already a member you will receive complimentary membership to the Qantas Frequent Flyer program (saving you $89.50).
  • Interest-free days. Up to 44 days interest-free credit on purchases when you pay your balance in full each month.
  • Competitive interest rates. 19.99% p.a. on purchases and 21.49% p.a. on cash advances.
  • Dual-card convenience. Linked American Express and Visa card so you can earn points faster.
  • Bonus partners. Cardholders can earn Qantas points faster when shopping with ANZ’s partners. The ANZ Frequent Flyer website details the latest Bonus Partners and the special offers available.
  • Visa availability. Use your Visa everywhere else – accepted in 29 million locations worldwide.
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How to apply for the ANZ Frequent Flyer Card

You don’t need to be an existing ANZ customer to apply for this card. Once approved, you can expect to receive your card in the mail within five business days. Please allow up to 15-30 minutes for your application. You’ll also receive a response in 60 seconds.

Eligibility criteria

Make sure you meet the following eligibility requirements before applying:

  • You must be at least 18 years of age.
  • You must have a good credit rating.
  • You must earn a minimum of $15,000 per annum.
  • You must be a permanent Australia resident or temporary resident with a 457 working visa (must be valid and have at least 9 months remaining from the date of application).

Required documents

You’ll need to provide the following documentation when you apply:

  • Australian driver’s license
  • Financial information
  • Your accountant’s contact details (if self employed)
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186 Responses to ANZ Frequent Flyer credit card – Rates & Fees

  1. Default Gravatar
    Gil | May 20, 2016

    Why do I need to have two credit cards when I want only one.

    • Staff
      May | May 23, 2016

      Hi Gil,

      Thanks for getting in touch.

      With ANZ Frequent Flyer credit cards, the benefits of Visa and AMEX are rolled into one account to give you the highest potential of earning Qantas points on your everyday purchases. This is especially if you’re after of earning them easily including the bonus points.

      Cheers,
      May

  2. Default Gravatar
    Sheila | May 13, 2016

    Required documents to apply for a Frequent Flyer Card includes accountant contact details if self employed. I am self employed but do not use an accountant. What alternative proofs do you require?

    • Staff
      Anndy | May 16, 2016

      Hi Sheila,

      Please note that finder.com.au is a financial comparison and information service and is not ANZ.

      Your accountant’s details are necessary when applying for a credit card as a self-employed because the bank needs proofs of your financial status. You could visit ANZ’s nearest branch or call their customer service to inquire if they accept alternative proofs.

      Cheers,
      Anndy

  3. Default Gravatar
    Tommy | March 21, 2016

    Hi,

    I’m looking at opening up an Account with ANZ for business purposes. I will need an everyday access account to pay staff a weekly wage but would like a linked Credit Card with Frequent Flyer rewards for when I pay for materials etc.. I will need an additional card for my business partner also. Is this something ANZ can help me with??

    • Staff
      Sharon | March 21, 2016

      Hi Tommy, thanks for your inquiry.

      Please note that you have come through finder.com.au, an online comparison website and is not directly connected to ANZ. We are not in the position to recommend specific products, issuers and services to you, as the best option will always depend on your individual financial needs and situation.

      You may compare ANZ Business credit cards on this page.

      I hope this helps.

      Sharon

  4. Default Gravatar
    glenn | March 4, 2016

    Hi
    What exactly is a statement period?
    I would be interested in going overseas, if I spend the equivalent money to earn 5000 points, is this all credited to my frequent flyer or only the 1500 visa / 3000 amex.

    • Staff
      Jonathan | March 7, 2016

      Hi Glenn, thanks for your inquiry!

      The statement period will depend on when your account was opened. To request a change in your statement period please contact ANZ directly. I have sent these contact details to your email. Any eligible spending will accumulate points to your Qantas Frequent Flyer account.

      Cheers,

      Jonathan

  5. Default Gravatar
    Clyde | January 5, 2016

    Can the Cardholder has an additional card for their Partner?

    • Staff
      Ysa | January 6, 2016

      Hi Clyde,

      Thanks for your inquiry.

      You can add up to 3 additional cardholder to your ANZ Frequent Flyer account. Please note that an additional fee of $10 will also apply.
      To compare other credit cards with free additional cardholders, please go through this page.

      I hope this helps.

      Cheers,
      Ysa

  6. Default Gravatar
    Gil | October 8, 2015

    How can I find the balance owing on my ANZ FF Visa card at any given time? I do not have a bank account with ANZ.
    Gil

    • Staff
      Sally | October 9, 2015

      Hi Gil,

      Thank you for your inquiry.

      There are a few different ways you can check your account balance. You can use ANZ Internet Banking and phone or mobile banking. Make sure you have the copy of your Customer registration number (CRN), credit card, debit card or Access card number with you as these will be needed on checking your balance. Please refer to this page on how to manage your ANZ credit card.

      I hope this helps.

      Cheers,

      Sally

  7. Default Gravatar
    mike | October 6, 2015

    Have other ANZ Visa credit FF card customers who spent the $3000 in three months now been told they are not eligible for the 50,000 FF points because they already had an ANZ FF Visa Card?

    • Staff
      Sally | October 7, 2015

      Hi Mike,

      Thanks for your inquiry.

      As mentioned in the terms and conditions, “This offer is only available to new and approved applicants who apply for an ANZ Frequent Flyer credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold 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.”

      I hope this has helped.

      Cheers,

      Sally

  8. Default Gravatar
    Amy | September 27, 2015

    Hi there,
    Can you use this card to pay things like rent, utilities, direct debits for memberships etc?
    Also, can I cancel the card at any time with no obligations?
    Thanks

    • Staff
      Sally | September 28, 2015

      Hi Amy,

      Thank you for your question.

      Yes, you can use the ANZ Frequent Flyer credit card for these transactions. However, you’ll have to refer to the terms and conditions to confirm whether they’re considered eligible purchases that will accrue points.

      Yes, you should be able to cancel the card so long as you don’t have any outstanding balances. However, you’ll need to get in contact with ANZ directly to confirm the protocol for cancelling your card.

      I hope this has helped.

      Thanks,

      Sally

  9. Default Gravatar
    Helen | August 17, 2015

    I’m interested in applying for this cc to earn the 50,000 QFF points however the offer stipulates $3,000 spend within 3 months. My question is, this offer expires 20th Aug, does that mean I need to spend $3k by 20th Aug?

    • Staff
      Sally | August 18, 2015

      Hi Helen,

      Thanks for your inquiry.

      To receive the 50,000 bonus Qantas Points, you are required to apply by 20th of August 2015 and get your application approved. You must also activate the card and make $3,000 worth of eligible purchases within three months of approval. So if your card is approved by 20th August, you will have three months from the acceptance date to spend $3,000.

      The Qantas Points will be credited to your account within 60 days of the eligible spend criteria being met.

      I hope this has answered your question.

      Cheers,

      Sally

  10. Default Gravatar
    Nick | August 12, 2015

    I have 4 credit cards with total limit of $62000 and owe $0. Is this a negative towards my credit rating and will it affect my applications for credit cards or loans?

    • Staff
      Sally | August 13, 2015

      Hi Nick,

      Thanks for your question.

      Yes, securing multiple credit card applications can possibly affect your credit rating and chances of getting your credit card approved. Please note that whenever you make a credit card application, an inquiry is recorded in your file.

      You may want to check this page for more information regarding impacts on multiple applications.

      Cheers,

      Sally

Credit Cards Comparison

Rates last updated May 24th, 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.
0.99% p.a. for 4 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 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.
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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