ANZ Frequent Flyer Credit Cards Guide

The ANZ Frequent Flyer credit card range offers customers plenty of options for boosting their Qantas Frequent Flyer points-earning potential at the same time as offering flexibility in the range of credit card choices to suit your financial situation.

ANZ Frequent Flyer Credit Card

ANZ Frequent Flyer Credit Card – Special Offer

The ANZ Frequent Flyer credit card comes with both an American Express card a VISA giving you the opportunity to maximise your Qantas Frequent Flyer points earning potential. Frequent flyer points are also uncapped so you can see your account grow each and every month.

• $95 annual fee
• 19.49% p.a. on purchases
• 2.9% p.a. for 12 months on balance transfers
• Cash Advance Rate of 20.74%

Click here to read the ANZ Frequent Flyer – Balance Transfer Option terms and conditions

The ANZ Frequent Flyer credit card offers customers an ANZ Visa Card linked to an ANZ American Express Card. While you may receive two cards, they are both part of the same account.

This means both cards share the same credit limit and the same statement, so you won’t have the hassle of two separate credit card facilities, yet you’ll have the convenience of using either card at millions of locations around the world.

Benefits and Features

On the basic level ANZ Frequent Flyer credit card, you will earn 1 Qantas Frequent Flyer point for every $1 you spend using your American Express card.

If you use your credit cards to pay for purchases through any of ANZ’s Bonus Partners, you could also earn bonus points, as well as the regular points you would have earned just for using your card.

Your points don’t ever expire, which can be a great benefit for many account holders. If you’re the type of customer who doesn’t use a credit card often, then you’ll always know your points are there waiting for you.

However, if you do use your card frequently to pay for purchases, then you have the benefit of being able to accumulate points for as long as you want before redeeming them for travel services or products. This could mean saving enough points for that special holiday you’ve always wanted, or waiting until you have enough points to pay for flights, accommodation and car hire costs.

Keep in mind that your frequent flyer points only accumulate when you make purchases using your ANZ Frequent Flyer credit card. Cash advances from your credit card won’t attract any points.

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 Gold Credit Card

ANZ Frequent Flyer Gold Credit Card – Special Offer

The ANZ Frequent Flyer Gold credit card gives you a higher points earning potential, allowing you to earn 1.25 Frequent Flyer points for every $1 spent on your American Express card, and 1 point for every $2 spent on your Visa.

• $195 annual fee
• 19.49% p.a. on purchases
• Cash Advance Rate of 20.74%

Click here to read the ANZ Frequent Flyer Gold American Express/Visa terms and conditions

Upgrade to the ANZ Frequent Flyer Gold credit card to access more features and benefits and a minimum credit limit of $5,000. You could receive commission free traveller’s cheques and the advantage of 90 day purchase security insurance to protect the items you buy against loss or damage.

The Gold Frequent Flyer credit cards also offer you two credit cards linked to the same account, but the points-structure is a little different. Despite having two cards, you’ll still only be charged one annual fee of $195.

You can earn 1.25 Qantas Frequent Flyer points for every $1 spent on your American Express card.

You can also enjoy up to 55 days interest free credit on purchases, as long as you pay your outstanding balance down to zero before each statement cycle.

ANZ Frequent Flyer Platinum Credit Card

ANZ Frequent Flyer Credit Card – Special Offer

The ANZ Frequent Flyer Platinum credit card gives you the highest earning potential of all ANZ Frequent Flyer credit cards, giving you the ability to earn 1.5 Frequent Flyer points for every $1 spent on your American Express card, and 1 point for every $2 spent on your Visa. Uncapped Frequent Flyer earnings.

• $295.00 annual fee
• 19.49% p.a. on purchases
• Cash Advance Rate of 20.74%

Click here to read the ANZ Frequent Flyer Platinum American Express/Visa terms and conditions

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 $295.00.

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.

• Comparison of Top 10 Credit Card Offers

Editor's Choice: Our Top Credit Cards

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0