Important disclosure
ANZ Frequent Flyer Black
Bonus Points
Earn 110,000 bonus Qantas Points and $100 back to your card when you spend $5,000 on eligible purchases in the first 3 months from approval.**New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425).
Purchase Rate
Purchase Rate
20.49%
p.a
Balance Transfer Rate
Balance Transfer Rate
21.99%
p.a
Purchase Rate
20.49%
p.a
Balance Transfer Rate
21.99%
p.a
Annual Fee
$425
Pros and cons
For Frequent Flyer Black
Benefits
- Rewards Available through Qantas Frequent Flyer (ANZ Frequent Flyer Black)
- Extra 110,000 points subject to eligibility conditions
- Apple Pay, Google Pay and Samsung Pay available
- Domestic travel insurance
- International travel insurance
- Extended warranty
- Concierge
- Special events
- Partner discounts
- Airport lounge
- Rental vehicle excess in Australia insurance
- Purchase protection insurance
Drawbacks
- Higher than average ongoing variable purchase rate
- Higher than average ongoing annual fee
- Does not offer free supplementary cards
ANZ Rate Credit card overview
For Frequent Flyer Black
Details
Card Level Premium | Card Type Visa |
Interest Free Days Interest Free Days 55 | Minimum monthly repayment 2% or $25 |
Minimum credit limit $15k | Maximum credit limit $75k |
Free supplementary cards | Instant Approval |
Target Market Determination Visit ANZ Banking Group Limited to view Target Market Determination. |
Fees
Annual Fee Annual Fee $425 | Annual Fee Spend Waiver |
Supplementary card annual fee $65 | Late Payment Fee $20 |
Over limit fee $20 | Duplicate statement fee $0 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 20.49% p.a |
Cash advance rate 21.99% p.a |
Cash advance fee 3% |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate 21.99% p.a |
Transfer Limit 95% of the approved credit limit |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee 3% on Visa |
Overseas charges Overseas charges $5 |
Estimated ATM Cost $14 for AU $300 withdrawal |
Rewards
Program name Qantas Frequent Flyer (ANZ Frequent Flyer Black) |
Rewards Available Cash Back, Domestic Flights, International Flights |
Eligibility
Minimum age 18 |
Minimum income |
Eligibility conditions Be an Australian or New Zealand citizen, permanent resident or have more than 9 months left on your visa |
Residency |
Earn Rates
| Rate | Card Type | Earns | Condition |
|---|---|---|---|
| 1 point for $1 spent | Visa | Up to $7.5k monthly | eligible purchases |
| 0.5 points for $1 spent | Visa | uncapped | eligible purchases |
Perks
- DOMESTIC TRAVEL INSURANCE
- INTERNATIONAL TRAVEL INSURANCE
- EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year.
- CONCIERGE
- SPECIAL EVENTS
- PARTNER DISCOUNTS
- AIRPORT LOUNGE
- RENTAL VEHICLE EXCESS IN AUSTRALIA INSURANCE
- PURCHASE PROTECTION INSURANCE Covers up to 90 days
- Bonus Points Earn 110,000 bonus Qantas Points and $100 back to your card when you spend $5,000 on eligible purchases in the first 3 months from approval.**New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425).
Other Restrictions
The Estimated ATM Cost when accessing money overseas is $18. T&Cs apply. Reward prgoram fee of $55.
How to apply
If you'd like to apply for this product or just get more information, follow the application process on ANZ.
