ANZ Frequent Flyer Credit Card – Earn up to 1 Qantas Frequent Flyer Points per $1 spent

Take off on your next holiday sooner with ANZ Frequent Flyer

There are three levels of ANZ Frequent Flyer credit cards standard, gold and platinum, where the more prestigious American Express cards earn more points per dollar, and greater perks are offered on both the Visa and Amex card.

Interest Rates, Fees & Charges

Interest Rate on Purchases		19.89% p.a.
Annual Fee		$95
Interest Free Period		up to 44 days
Cash Advance Rate		20.99% p.a.
Card Type		Standard
Minimum Income Requirement		$15,000 p.a.
Credit Card Type		American Express/Visa
Rewards Program		Yes
Additional Cardholder Fee		$10 p.a.

Product Features:

• Get uncapped Qantas Frequent Flyer points²
• Points² earned are automatically credited to your Qantas Frequent Flyer account every month
• Up to 44 days interest free credit on purchases³
• Total annual fee of $95⁴
• 19.89% p.a. on purchases and 20.99% p.a. on cash advances ⁵.

Earn points faster with 2 cards, one account and only one Total Annual Fee:

The ANZ Frequent Flyer Credit Card account gives you combined earning power of two cards on one account.

ANZ Frequent Flyer has a number of bonus partners and your ability to earn bonus points is not limited. This allows you to boost your Qantas Frequent Flyer points balance quickly and easily. The ANZ Frequent Flyer website details the latest Bonus Partners and their special offers.

• Use your ANZ Frequent Flyer American Express® card whenever you can to pay for purchases like groceries, petrol and movies to earn the most points possible.
• Use your Visa everywhere else – accepted in 29 million locations worldwide.

What are the earn rates?

You can also receive up to 2 Bonus Points¹ for every dollar spent at ANZ Bonus Partners.

Visit the site to find out more about the ANZ Frequent Flyer credit card account. You don’t need to be an ANZ customer to apply.

Redeeming your points:

You don’t have to go to the trouble of converting your points with the ANZ Frequent Flyer credit cards. They will be automatically credited to your Qantas Frequent Flyer account.

Once there, your points can be used for not just flights, but for other travel features and at the Qantas Frequent Flyer shop.

The Qantas Frequent Flyer :

You should be aware that this ANZ rewards program requires that you be a member of the Qantas Frequent Flyer program if you want to earn Qantas Frequent Flyer points. A joining fee will apply and membership is subject to Terms & Conditions. If you are not yet a member of the Qantas Frequent Flyer program, you can join online by visiting their website or calling Qantas on the telephone.

Points cannot be allocated to your Qantas Frequent Flyer account if you have not supplied ANZ with your Qantas Frequent Flyer number. To make this possible, the customer should call ANZ and provide this information. Qantas Frequent Flyer membership must be in the same name as the account holder on the credit card account.

Loyalty newsletter and guide:

To keep up to date with the latest news and changes on your ANZ Frequent Flyer Visa Reward Program, there is a newsletter than can be read online or downloaded.

Fees and Charges

The base level ANZ Frequent Flyer credit card does have a minimum credit limit of $1,000 and charges an annual fee of $95.

If you pay your outstanding balance down to zero each month before the statement cycle date, then you could enjoy up to 44 days interest free credit on your purchases.

ANZ Frequent Flyer Platinum Credit Card

Upgrade even further to the ANZ Frequent Flyer Platinum credit card and you could receive Exclusive Platinum benefits and offers not available to other credit card customers. Your minimum credit limit for this credit card is $12,000.

The Platinum Frequent Flyer credit cards also come with a Visa card linked to an American Express card on the same credit limit and same statement. You’ll still only be charged the single annual fee of $295.

The points-earning potential is the highest with the ANZ Platinum Frequent Flyer cards, offering customers the benefit of earning 1.5 Frequent Flyer points for every $1 spent on the American Express card.

You’ll also enjoy up to 55 days interest free credit on purchases, as long as you clear your outstanding balance in full each month before the statement cycle date.

The Exclusive Platinum benefits include overseas travel and medical insurance, which can represent a good cost saving, as well as transport accident cover. This insurance could cover you for any flight cancellations or additional travel expenses, loss of luggage or loss of income. Your Transport Accident Cover could cover you in the event of an accidental death up to $750,000, or up to $375,000 for a covered injury if you’re injured as a passenger in transit.

Platinum card holders also enjoy a dedicated concierge service. Your personal concierge is your own personal assistant, available to you 24/7. You can ask your concierge to locate convenient flights to wherever you want to go and then book restaurant reservations at a location somewhere close to your hotel before you get there.

How Far Can You Go With Your Qantas Frequent Flyer Points?

It’s much easier than you think to book flights to destinations further afield than you’d expect.

On an average monthly spending amount of $2,000 on your ANZ Frequent Flyer credit card, you’d accumulate approximately 24,000 points in a year if you were only earning 1 point per $1 spent. A return flight between Melbourne and Brisbane is 24,000 points, plus around $21.19 in surcharges, fees and taxes.

Or you might decide to redeem your points for a one-way trip from Melbourne to Auckland, NZ, for 18,000 points, plus the surcharges and fees.

If you upgrade your Frequent Flyer credit card and earn more than 1 single point per $1 spent, you could potentially increase the amount of points you accumulate very quickly.

For example, even if your average monthly spending amount on your Frequent Flyer credit card is still $2,000, but you are earning 1.5 points for every $1 spent, you’d earn a huge 36,000 points over 12 months.

You could easily afford to redeem your points for a one-way trip from Melbourne to Bangkok for 30,000 points or Melbourne to Singapore for 30,000 points, plus around $119.42 in surcharges, fees and taxes.

Consider if you’d saved your points for two years, accumulating at a rate of 36,000 points a year. That’s still only an average monthly spending amount on your credit card of $2,000, so that hasn’t changed.

However, by letting your points accumulate for a while, you could find that it takes you less than two years to earn enough points to pay for a one-way trip from Melbourne to London, England, which is around 64,000 points, plus surcharges and fees.

Tips For Earning More Frequent Flyer Points

Your ANZ Frequent Flyer credit card already gives you plenty of options for earning frequent flyer points, but you could increase the amount of points you earn easily. Consider upgrading to ANZ Frequent Flyer Gold or ANZ Frequent Flyer Platinum to increase your points-earning potential. Each of these cards offers a higher points-earning rate than the standard ANZ Frequent Flyer credit card.

If you remember to use your ANZ American Express card instead of the Visa card at major department stores, supermarkets and service stations, you’ll also be maximising the number of points you earn.

You can also earn more frequent flyer points when you purchase through ANZ Bonus Partners. These bonus partners include Qantas, which means you could earn bonus points for purchasing Qantas services and products, including flights, as well as earning the regular points for using your credit card to make the purchase.

Another way to maximise the amount of frequent flyer points you can earn using your credit card is to make sure you pay down the outstanding balance regularly. This gives you more of your credit limit available to purchase more items on a more regular basis, which keeps your points up and keeps your interest down as you keep the balance down.

Redeeming Your Qantas Frequent Flyer Points

Once you’ve accumulated enough points by using your ANZ Frequent Flyer credit cards for your purchases, you’re able to redeem your points for the things you want. Most people instantly think of redeeming their points for flights, but did you know you can access many more great products and services too?

While you can always redeem your points for flights, you might also consider using them for car hire, cruises, safaris or even accommodation.

Of course, Qantas Frequent Flyer points don’t have to be spend on travel items if you want to use them for something else.

For example, you might want to redeem your points for gift vouchers for department stores or boutiques, home-wares or furniture, healthy and beauty products or even sports and recreation.

Other great consumer items include plasma TVs, electronics and technology, kitchenware and cookware, clothing, wines, games and much more.

Remember, if you do use your ANZ Frequent Flyer credit card to purchase any products or services with Qantas, you could earn bonus points on top of the usual points you earned just for using your credit card.