ANZ Frequent Flyer Credit Cards – Earn up to 1 Qantas Frequent Flyer Points per $1 spent
Pros
- Uncapped points earning
- 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.
Related Products
Take off on your next holiday sooner with an ANZ Frequent Flyer card
There are two levels of ANZ Frequent Flyer credit cards – standard and platinum. There’s a number of similarities and differences between the standard and platinum Frequent Flyer cards from ANZ, so read on to find out more.
ANZ Frequent Flyer card- standard
| Product Name | ANZ Frequent Flyer | |
|---|---|---|
| Interest Rate on Purchases | 19.39% p.a. | |
| Offer end date | 30 June 2013 | |
| Annual Fee | $95 p.a. (which includes a $40 annual account fee and a $55 Rewards Program services fee) | |
| Interest Free Period | up to 44 days | |
| Interest Rate on Cash Advances | 20.99% p.a. | |
| Minimum 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 | $15,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | American Express/Visa | |
| Late Payment Fee | $20 | |
| Complimentary Travel Insurance | No | |
| Available to Temporary Residents | No | |
| Joint Application | No |
Product Features
- Earn uncapped Qantas Frequent Flyer points2
- Points earned are automatically credited to your Qantas Frequent Flyer account every month
- Up to 44 days interest free credit on purchases
- Total annual fee of $95 (which includes a $40 annual account fee and a $55 Rewards Program services fee)
- 19.39% p.a. on purchases and 20.99% p.a. on cash advances.
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?
| Card: | Amount Spent: | You Earn: |
|---|---|---|
| American Express Card | $1 dollar | 1.00 Qantas Frequent Flyer point |
| Visa Card | $1 dollar | 0.50 Qantas Frequent Flyer point |
You can also receive up to 2 Bonus Points 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 program:
You should be aware that this ANZ Frequent Flyer program requires that you be a member of the Qantas Frequent Flyer program if you want to earn Qantas Frequent Flyer points. ANZ provides Complimentary Qantas Frequent Flyer membership when customers apply for the membership via the Qantas web site.
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 advise ANZ of 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 (which includes a $40 annual account fee and a $55 Rewards Program services fee).
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 $6,000.
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 (which includes a $240 annual account fee and a $55 Rewards Program services fee).
ANZ Platinum Frequent Flyer earn rate
| Card: | Amount Spent: | You Earn: |
|---|---|---|
| American Express Card | $1 dollar | 1.50 Qantas Frequent Flyer point |
| Visa Card | $1 dollar | 0.50 Qantas Frequent Flyer point |
Other ANZ Platinum Frequent Flyer benefits
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 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, which is around 64,000 points plus surcharges and fees.
Tips for earning more Frequent Flyer Points
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 other 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 electronics and technology, kitchenware and cookware, clothing, wines, videogames 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.
Read the ANZ Frequent Flyer terms and conditions.
| Minimum Income | $15,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | No | |
| Credit Rating Requirement | 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 | $15,000 |
| Annual Fee | $95 p.a. (which includes a $40 annual account fee and a $55 Rewards Program services fee) | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $20 | |
| Over Limit Fee | $20 | |
| Overseas Emergency Replacement | $0 | |
| Overseas ATM Balance check | $0 | |
| Overseas ATM Withdrawal | $4 | |
| Foreign Currency Conversion Fee | 3% | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $10 | |
| Number of Additional Cardholders | 3 |
Pros
- 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.
- Points earning is uncapped.
Cons
- There are only 44 days interest free when you have paid you balance off in full and make a purchase on your card.
- The ANZ Rewards program requires that you become a member of the Qantas Frequent Flyer program in order to redeem rewards. Qantas Frequent Flyer membership costs $82.50.
- Even with the combined Visa and American Express accounts, the rate of $1 : 1.00 QFF point is lower than some of the other rewards cards in the market that have comparable annual fees.
Read the ANZ Frequent Flyer terms and conditions.
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28 Responses to ANZ Frequent Flyer Credit Cards – Earn up to 1 Qantas Frequent Flyer Points per $1 spent
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Does the card holder get access into the VIP lounges?
Hi Sheila
Thanks for your question
Qantas invites oneworld Emerald and Sapphire members to relax in the Qantas First and Business Lounges when travelling on qualifying flights.
If you hit this status level with the Qantas Frequent Flyer rewards program, then you would be eligible to access to lounges
Platinum & Gold Qantas Frequent Flyer cardholders also can gain access to the lounges
More info on the Qantas Lounges can be found here
Cheers
Jeremy
In the terms & conditions above, 1. states that “You must apply and be approved by June 5th 2011 to receive the 16,000 bonus Qantas Frequent Flyer points offer.”
The customer service operator I
spoke to when I signed up (after this date) said that I’d get these points. Is he mistaken?
Hi Giulan
The bonus frequent flyer points offer is currently available until the 16th July, 2011.
It is important to always check the terms and conditions prior to making a decision to apply for a credit card – so it was good that you did that!
Thanks,
Jeremy
Hello
What is the go with adding an additional card holder to the same a/c? Fees?
Thank you
Hi Gav
Thanks for your comment
Yes you can add up to three additional cardholders to the ANZ Frequent Flyer Credit card. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account.
Cheers
Jeremy
do I earn points for Bpay payments
Hi,
Thanks for your question. The following text is taken from the ANZ credit card FAQ section of their website. “Bill payments from your credit card can be processed as either a purchase or a cash advance. This is dependent upon how the biller is set up with the BPAY® billing service. The biller has the option of accepting a credit card as a method of payment. If the biller chooses to accept, the bill payment is processed as a purchase. If the biller does not accept credit card payments, ANZ may allow you to make the payment from your credit card (when sufficient funds are available). If you choose to proceed with the payment, it will be processed as a cash advance. Relevant fees and interest will apply from the date of the cash advance.” A cash advance is not an eligible transaction and therefore you will not earn rewards points. Hope this has helped.
Cheers
Jeremy
Interested in ANZ Platinum card. Can I use for business expenses? If my spend is more than my credit limit can I put my account in credit and earn points on my money? or do I only earn points on my credit limit?
Hi Davina. Thanks for your question. Please see our business credit card comparison page for a list of cards that are open for businesses to apply for. The terms and conditions say nothing about not earning points if your card is in a positive balance – I’ve sent a copy to your email. Jacob.
Could I transfer my existing balance from ANZ Rewards Credit card to ANZ Frequent Flyer Credit Card.
Hi Arnel. Yes you can do this; however, you will not be eligible for the introductory balance transfer rate. This is because a balance transfer must be carried out between two non-related institutions to be eligible for the low intro rate. For a comparison of balance transfer credit cards please check our balance transfer credit cards page. Thanks for your question.
Do the qantas frequent flyer points we earn ever expire?? Also what does it mean by uncapped points earning?
Hi,
Thanks for your question. Qantas frequent flyer points do not expire as long as your an active member. An active member is someone who has some form of activity (earning or spending points etc.) in the past 18 months. Uncapped points earning means you can earn as many points as you like in a year. Some institutions place a cap on the number of points a cardholder can earn in a 12 month period.
Cheers
Jeremy
Hi Jeremy,
I applied for this card in late february 2012 and have been having problems with ANZ. They claim the offer of 10,000 bonus points was only 5000 and I am 100% certain it was 10,000…On your website here it still remains 10,000- do you have any documentation that I can use from period to prove my case??
Thank
Hi Marco. Sorry about hoe long it has taken us to get to your question, and by now, I guess the issue has probably been resolved; however, to explain: we don’t have access to customer’s applications. Probably the best course of action would be to quote your reference number and date you applied for the card. ANZ will have records of the offer we had on our site at that time. If they’re claiming that they’re correct, and you’re wrong – use the greatest power you have as a consumer: vote with your feet. Sorry we couldn’t be of more assistance. Jacob.
Why do you say “Get uncapped Qantas Frequent Flyer points2″ when the visa points are capped at 3750 ?
I have one and lose points often.
Hi Peter. Thanks for your question. According to our records, points are uncapped for the Visa Credit Card and the companion American Express Credit Card. ANZ customer assistance confirmed this for us. If your points are being capped by ANZ please contact them to resolve the issue. Cheers.
What is the best Credit card to obtain, that includes Travel Insurance? How comprehensive is the Travel Insurance? AL
Hi Allan. The travel insurance policies are all pretty much the same with exception to a few small features like car rental excess cover, which is included in some ANZ policies. The card that’s best for you will depend on your personal circumstances. Please check out platinum and frequent flyer pages for a comparison of cards that offer complimentary international travel insurance. Thanks for your question.
What is the travel insurance on the ANZ frequent flyer card please?
Hi Charlotte. Complimentary insurance is offered on the ANZ Frequent Flyer Platinum Card. Thanks for your question.
Hi
If I already have an old ANZ credit card but wish to close it and upgrade to a frequent flyer account. Am I still eligible for the 0% balance rollover for my existing debt? Or is this only for new customers?
Hi Kate. Thanks for your question. If you apply, and you’re accepted for a new card, you will be considered a new customer and will be eligible for the promotional balance transfer offer. However, please be aware that balance transfers will only be accepted if you’re bringing the debt from a non-ANZ credit or store card. Cheers.
Does the 44 days interest free credit on purchases apply to both the ANZ Frequent Flyer American Express card and the ANZ Frequent Flyer Visa card? In other words, if I pay the balance down to zero each month by the due date, do I still pay interest on the Visa purchases? This seems to be a trap with some banks.
Hi Daly. Thanks for your question. Both cards have interest free days and both cards are linked to the one account. So, a purchase on either card will count towards the main account, and when you pay the balance for the account, you’re effectively paying the balance of both cards. Hope this helps, let me know if you would like further clarification. Jacob.
If I buy air flight tickets with my ANZ frequent flyer Visa credit card, do I go to have medical insurance during my travel time ?
Thanks and regards
Luis
Hi Bautista. Thanks for your question. According to the policy document, to be eligible for the cover you have to meet the following eligibility requirements: ‘(a) be a current platinum cardholder at the date of any claimable event; and (b) be eighty (80) years of age or under; and (c) be a permanent resident of Australia; and (d) have purchased with your platinum card account a minimum of $250 (inclusive of taxes and other charges) of your pre-booked transport costs (airfares and/or cruise) and/or land content (tours, hire cars or other hired transport and accommodation) prior to the commencement of your trip. The payment must be debited to your platinum card account prior to your departure from Australia.; and (e) hold a ticket to return you to Australia. If you have satisfied all of the above criteria then you will be automatically considered to have activated cover. However, in the event of a claim, we require that you provide us with evidence that you met these criteria. If you have not met the above criteria you will not be eligible for cover under any section of this Travel Master Policy.’
I’ve sent the document to your email for your consideration.
Jacob.